BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code
1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/, I made an online purchase from XXXX XXXX XXXX XXXX It was a transmission that totaled $ XXXX discovered that there were two {$1300.00} taken out of my account totaling $ XXXX notified my local Chase Bank that there XXXX XXXX {$1300.00} taken out of my account that I did not authorize. On XX/XX/2023, Chase refunded me the {$1300.00} that was taken from my account which was not authorized. On XX/XX/2023XXXX XXXX XXXX XXXX XXXX XXXX  notified me that they could not find the transmission that I ordered from them and gave me back the {$1300.00} refund. On XX/XX/2023, Chase Bank saw that XXXX XXXX XXXX XXXX gave me the refund because they didn't have the part deducted {$1300.00} from my account forgetting that Chase was refunding me for the unauthorized {$1300.00} that was taken out of my account.I called the bank about the matter of Chase was paying for the unauthorized {$1300.00} taken from my account and was told there was nothing they could do about the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I called because my account had some unauthorized or unrecognized transactions. I could barley understand the rep so I told her I'd call back the next day. Well she then disputed every transaction to which they ended up juet closing my account and sending me a check for XXXX they completely forgot and kept about XXXX of that. Previously in the last two weeks of my account a person was reassigned the phone number I had for 20 years. They were logging into my banks, school, cashapp, irs, using two step verification. I tried to explain that to chime and they sent me several emails stating they're sending my remaining money via check, only it was missing about XXXX grand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a loan with TOWER LOAN/XXXX XXXX in XXXX LA XXXX on XX/XX/XXXX ... .I am constantly trying to make payments each month and this company is REFUSING MY PAYMENTS IF THEY ARE PARTIAL!! I spoke with the management XXXX XXXX on XX/XX/XXXX in the office. I told her I CAN meet the payments they have in place ON TIME by DEBIT CARD over the phone each month. The manager stated to me they can ONLY ACCEPT PARTIAL PAYMENTS IN CASH AND IN THE OFFICE IN PERSON!! THEY WOULD NOT TAKE MY PAYMENT FROM MY DEBIT OR CREDIT CARD UNLESS IT WAS THE AMOUNT THEY WANTED!! I asked her to place this in writing please, she refused to do so and told me the company would not allow it..She offered to come to my home and collect any payments I had but they had to be IN CASH ONLY SHE SAID OTHERWISE SHE COULD NOT ACCEPT!! I have XXXX XXXX children and I can not continually go to their office and make payments because they REFUSE MY PARTIAL PAYMENTS OVER THE PHONE!! She stated to me on XX/XX/XXXX that the the SYSTEM WILL NOT ALLOW HER TO TAKE ANY PARTIAL PAYMENT FROM ME THAT WAS NOT IN PURE CASH!! I asked her if she would place this in writing as well... she refused this also and stated there is no point and the company would not allow it. I am trying to keep my account current but I am being charged COUNTLESS LATE FEES MONTHLY because they WILL NOT ACCEPT MY PARTIAL PAYMENTS!!! I can not travel to get cash each month to give this company due to XXXX of my children XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. BUT I CAN PAY OVER THE PHONE!!!! I explained this to this company thoroughly and she refused to assist me in any way further. She told me it was my responsibility to get to their office WITH THOSE XXXX  CHILDREN!!!! They also called me and my family a told of 42 times in 1 month repeatedly!!!! I asked on XX/XX/XXXX that this company would stop the excessive calls to myself and third parties on the application because it is beginning to become harassment. The manager refused and stated this is what has to be in order to collect payments. I asked if calls were being documented because the company even calls BEFORE DUE DATES ... the manager stated calls ARE BEING DOCUMENTED!!!! Including all calls total to third parties as well..this company has called a total of 68 times in 1 month!! I have each date and time to each person they have called!! It's ridiculous and causing me financial stress and strain!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to FCRA my rights have been VIOLATED. 

15 USC 1681 602a section 4 says I have a right to privacy.

15 USC 604a section 2 says to furnish consumer reports in accord with written instructions of the consumer XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
An account which should have been deleted is still showing up on my Experian report. I tried to submit a dispute, but I do not believe they properly looked at the evidence that I submitted to them. This debt was originally held by XXXX XXXX XXXX XXXX, I sent them a debt dispute letter with the following terms with a certified letter " If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased ''. In the attached PDF they admitted that they never responded nor validated the debt, and so this account should have been completely deleted, and never sold to another company. This new debt collection company XXXX is basically trying to collect on a debt that XXXXXXXX XXXX  XXXX XXXX agreed to close.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I asked for my southwest airlines cc to be closed. Upon making my request, I was told recurring charges could still be made on my closed account!!! How is that possible?!! When I asked additional questions regarding charges on a closed cc I was transferred to southwest airlines!! Chase card services are horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: DISCOVER BANK
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Regarding Case # XXXX Laptop, cell phone, and wallet were stolen from a local college library. As a result, there are '4 ' fraudulent charges on the credit cards in my wallet at the time of this breach ( accounts and charges are outlined in this affi davit ). Additionally, credit card accounts have been hacked and the address changed to one I have no association with ( XXXX XXXX XXXX, XXXX XXXX, MI XXXX ). Lastly, I reviewed my XXXX credit report and found the fraudulent address listed in addition to XXXX ' unauthorized inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). As a result of the unauthorized activity, I locked and placed a fraud alert with each credit bureau on XX/XX/2023. 

I am attaching the following documentation to this complaint : 1 ) Police Report ( Complaint # XXXX ) XXXX ) FTC Identity Theft Affidavit ( FTC Report XXXX XXXX ) XXXX ) XXXX  Invoice showing a different name ( XXXX XXXX XXXX XXXX XXXX and address XXXX ) Signed letter from the person who authorized the charge without my knowledge and an acknowledgement that I personally received no benefit as a result of this transaction Additionally, I have asked multiple representatives for instructions on asserting Claims and Defenses and I have not received the information I explicitly asked for. Federal law ( 15 US Code 1666, 1666i, and 1640 ( e ) and in 12 Code of Federal Regulations 226.12 ( c ) and 226.13 govern the regulations for Claims and Defenses. As a result, the unauthorized charge of {$1100.00} is now listed on my XXXX credit report and will become a delinquent account if no action is taken. 

Lastly, I have contacted the Connecticut Attorney General 's office ( XXXX ) and plan on filing an official complaint if this matter is not resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Square Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XX/XX/2021, I received via US Postal Service a Cash App Visa debit card issued by XXXX XXXX. The debit card and underlying Cash App account are fraudulent, as I did not open either. 

On XXXX XX/XX/2021, I contacted XXXX XXXX via telephone to request the debit card be canceled. However, my attempts to contact Cash App, an online banking application by Square , Inc, to cancel the underlying account were unsuccessful as Cash App offers no means to report fraud via its website or telephone. Cash App only provides a generic mailing address for unspecified purpose. 

I suspect Square, Inc. has purposely structured Cash App in this manner to avoid the administrative burden of handling consumer complaints. I believe Square, Inc. thereby cynically facilitates criminal financial activity by frustrating consumer fraud reporting. I request you examine this issue and hold Square, Inc. accountable for allowing this abuse of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Global Lending Services LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
All XXXX credit bureaus ( XXXX, Equifax and XXXX ) have reported a XXXX  XXXX bankruptcy on my credit report as a result of identity theft. I did not file bankruptcy. Also, the name on the bankruptcy does not match my full legal name : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are things on my Experian credit report that are either incorrect, wrong or need to be removed. Please see the list below : Addresses : XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX A XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX XXXX XXXX Social Security Number : Listed twice : XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXncorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Soft Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I mailed three separate disputes to Experian credit reporting agency in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to dispute the validity of certain accounts listed on my credit report. Furthermore, I also disputed the reporting of late payments of certain companies on my report where payments were not late. I requested they verify the inaccurate information with companies who provided them this information. I also requested on all three occasions that they provide me with the method of verification and proof of how the said reported accounts were reported as belonging to me as under Section 609 & 611 of the FCRA. In all three instances, the company has failed to provide me with the method of verification and proof received from the companies to support their reports of disputed accounts as belonging to me and late payments as being accurate on my report. According to the law they are required to provide this to me and to only report information that they themselves ( not via a third party ) have validated as accurate through a copy of the original creditors documentation that they must maintain on file. Additionally, my second and third requests to have them verify the accuracy of the information and to provide me proof of the verification, which I have never received, was denied and reported as information was already verified. This original documentation and verifiable proof is required to be on file and should not be of difficulty to provide by Experian as they reported that the errors on my report were validated. I am seeking next steps towards Experian for their failure to properly investigate errors on my credit report and for failure to comply with Section 611 ( a ) ( 7 ), 611 ( 5 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 609 ( a ) ( 1 ) ( A ) of the FCRA and violation of my consumer and fair credit reporting rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: SUNCOAST CREDIT UNION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX  takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Explanation of item being disputed : XXXX XXXX XXXX has reported incorrect information on my credit report. XXXX XXXX XXXX has listed that I am Derogatory as of XX/XX/XXXX on XXXX  YET Experian and XXXX  both show paid and current but have different close dates and years, as seen above. XXXX XXXX also failed to delete this file from my repost as agreed upon in XXXX. Being that this information provided by XXXX XXXX is inaccurate I want to request that this file be deleted for my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief