BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my XXXX  well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was trying to buy a house and I realized I had damaged on my credit report. According to the 15 USC 1681 law, I should not have any damage on my credit report it is a defamation to my character. I have all these hard inquiries on my accounts. I also tried to dispute collects on closed accounts that was not up to my knowledge. I have sent in many letters and have not been helped.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Social security number is XXXX On experian theirs XXXX negative items the negative items are credit collection and the other negative item is 60 day late both items are fraud they supposed to be removed from my experian credit report I filed a federal trade commission identity theft report on and on XXXX theirs only XXXX negative item s that's 60 days late it supposed to be removed from my XXXX Credit report and XXXX XXXX theirs XXXX negative items that are charged off they are fraud please have XXXX XXXX also removed all the fraud credit hard inquiries

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 2023-12-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed complaints about false information appearing on my credit report with XXXX, Equifax, and XXXX. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than sixty days. Copies of every letter sent are attached below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: In progress
Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The month of XXXX JPMORGAN CHASE did not pay my mortgage. I used their bill pay on my app. It has been set to automatically pay my mortgage on the XXXX of every month. However, there was some sort of malfunction and they missed paying it in XXXX, but managed to make XXXX payments in XXXX ( XXXX and XXXX ). I reached out to JPMORGAN chase in XXXX when I discovered a drop in my credit score. After several transfers from department to department a representative told me they would send a letter to me correcting the problem. Unfortunately, I never received a written letter and when I called back a few months later they said they don't send letters. This was the first lack of truth. I filed a complaint with the XXXX XXXX XXXX and someone from the " escalation " team reached out. Her name is XXXX and she sent me a letter stating there was no malfunction and no letter of acknowledgement would be sent to me. I am a XXXX  who depend on technology for my independence. I have used this function on their application for years. I find it absurd to send a letter stating there was no malfunction or they didn't send out letters. I didn't reset or create any other requests for the bill, yet it continued to pay correctly the following months of XXXX and XXXX. This is a classic example of XXXX vs XXXX. My credit health is poor due to their negligence and refusal to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: In progress
Consumer complaint received 2023-11-28
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a deposit of XXXX from the VA Treasury to my CHIME checking account # XXXX. There are no transfer rules. I then tried to transfer to m CHIME credit account. The app refused to do it and instead told me to save money. It flashed a message that was illegal and it was telling me not to transfer it and instead save it. I was trying to pay my rent when the app made 7 errors and kept telling me to save it in my checking instead of transfer it making it hard for me to pay my rent. I called customer service and they could not fix it and said someone at the bank was trying tosiphon is the word he used XXXX from my checking instead of allowing me to transfer it. He waited in the phone and told me to uninstall the Chime app then told me to reinstall and the app refused to move the money as requested. He then hung up on me when he noticed it would not move.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: FinCo Services Inc DBA Current
State: PA
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:
have had numerous unauthorized charges come out of my current account over the last XXXX weeks, due to someone I worked with taking my phone when I wasnt paying attention and getting my card numbers. I have filed XXXX disputes, XXXX on XX/XX/XXXX totaling XXXX} ( which is still under review ), XXXX on XX/XX/XXXX totaling XXXX  ( which was denied XXXX days later ) XXXX on XX/XX/XXXX totaling XXXX XXXX which was also denied XXXX  days later ) and then XXXX more filed on XX/XX/XXXX totaling XXXX  ( which is still in review except for XXXX of the charges were already denied ). Now, I have emailed and chatted with your rude customer service reps and emailed this so called dispute team more times then I can count asking for whatever information you used to deny my disputes and I have yet to receive any of the documents. I have contacted the merchants explaining the situation to them and they have told me that current never even tried to contact them about any disputes I filed. Every merchant advised me to have currents dispute team call them while Im on the phone so that I would know that they did in fact verify that all the charges I disputed were fraudulent, but obviously theres no way I can do that when you people wont even return phone calls but just go ahead a deny disputes XXXX after they were filed and then not give the customer the documents you used to deny the claims. 
Someone needs to reopen my closed denied disputes and contact the XXXX merchant so that I can get my money back asap!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16
Company: GLA Collection Company, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
GLA calls and leaves numerous messages for me to speak to someone named XXXX. I do not know what they are trying to collect money for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Atlanticus Services Corporation
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/23 I paid my fortiva XXXX XXXX credit card bill 3 days before it was due by checking account. The company ignored the payment even after giving me proof of payment confirmation They then made me pay it again after they marked it as late intentionally when I paid it XX/XX/23.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Aldous & Associates, PLLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have identified instances of identity theft on my consumer report, which I believe are clear violations of both state and federal laws, particularly 15 U.S. Code 1681c-2. I did not explicitly consent to the reporting of these accounts, nor was I informed when initiating these transactions that they would be reported. This infringes upon my right to privacy. My securities and XXXX  number have not been identified with the account listed. If the agency declines to remove this account, please provide evidence that you are not an affiliated, for-profit organization potentially profiting from the reporting of these private transactions. Since I have not granted permission for reporting, these accounts should be removed immediately. No verification or validation is required, and I do not consent to communication with the accounts I am requesting to be removed. Accuracy is not the concern, as the accounts belong to me. These violations stem from unauthorized transactions executed without my explicit consent, resulting in the disclosure of highly personal information to third parties. The credit reporting agency has also failed to provide clear and conspicuous information regarding the reporting of certain accounts, as mandated by the Gramm-Leach-Bliley Act. Additionally, I was not notified when a consumer report was being generated on my behalf or when an investigative report was requested, which I believe is a violation of 15 U.S. Code 1681d. Identity theft occurs when information is obtained and shared without express written consent, as in this case. The credit reporting agency lacks evidence demonstrating my consent for the reporting of these private transactions and accounts, as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I sent my XXXX verification letters on XX/XX/2023 here are my tracking number for all XXXX credit bureaus : # 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 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 XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-20
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
A family member who was staying in our home made an unauthorized account with XXXX under my fiance 's name. My fiance and I have a joint account. He illegally spent over {$8000.00} from my checking account while I was out of town for work. 

I contacted both XXXX and opened a dispute with Bank of America. Bank of America investigated for a full 5 days and closed the claim not refunding my {$8000.00} that was unauthorized and stolen from me. 

The family member admitted to his actions and I filed a police report. Bank of America will not return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX opened XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose update late payments for following dates to current or delete account from credit report. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute Experian, over the phone and had the worse experience trying to have old addresses, and names that I don't us because I am not married and have not use at least XXXX of those names in over 15 years. I am being informed that they can't remove the old addresses. Can I please get assistance with this issue. I am aware of the lawsuit concerning a similar issue with Experian. 

These addresses and names are no longer associated with me.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am writing to report inaccurate information on my credit report. The Fair Credit Reporting Act states that by law I can dispute and challenge any inaccurate information on my credit report.15 U.S.C . Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX deleted. I contacted the XXXX major bureaus to investigate every piece of information on the account listed below and I still have not had an investigation launched. 

In addition, in accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX and XXXX XXXX XXXX violated my rights. 

1.15 U.S.C 1681 section 602 A, states I have the right to privacy:15 U.S.C. 1681 Section 1681 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 2.15 U.S. Code 1692b - Acquisition of location information : Anydebtcollector communicating with any person other than theconsumerfor the purpose of acquiringlocation informationabout theconsumershall ( 2 ) notstatethat suchconsumerowes anydebt ; ( 5 ) not use any language or symbol on any envelope or in the contents of anycommunicationeffected by the mails or telegram that indicates that thedebtcollector is in thedebtcollection business or that thecommunicationrelates to the collection of adebt ; and15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally without the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with aconsumerin connection with the collection of anydebt 3.15 U.S. Code 1692d - Harassment or abuseAdebtcollector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of adebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.According to the FCRA the term, investigative consumer report means a consumer report of portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of liking with other with whom he is acquainted or who may have knowledge concerning any such items of information. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. 

Once again, I demanding this account be deleted.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 mine 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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I XXXX XXXX currently have a XXXX account and unauthorized inquiries appearing on my credit report. 

Account XXXX XXXX XXXX XXXX {$160.00} Inquiries XXXX. XXXX vall Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/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