BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, 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:
I purchased a XXXX XXXX from XXXX XXXX also known as XXXX XXXX XXXX on XX/XX/XXXX. I specifically instructed them to use XXXX because I already had a line of credit with XXXX. Instead of doing as I requested they send several different companies my credit reports and scores without my consent. Once again I specified XXXX only. I checked my hard inquiries and Transunion shows one hard inquiry against me that I do not recognize. It states : XXXX To Inquiry from XX/XX/XXXX Automotive This inquiry could stay on your report untilXX/XX/XXXX. 


See an error? 
Find out how to dispute a hard inquiry Institution Information XX/XX/XXXX To XXXX, TN XXXX ( XXXX ) XXXX " I have tried contacting this number and it says the number has been disconnected or is no longer in service. '' I want to know why XXXX XXXX sent inquiries to companies without my permission because I stated XX/XX/XXXX only. This one inquiry isn't even legit because I can't contact them and by law I am lawfully given the right to contact or have an address and phone number. Thank you and I hope you can help me. These hard inquiries stay on my credit reports for up to 2 years, which drops my credit score with each hard inquiry. 

XXXX Inquiry from XX/XX/XXXX- Finance This inquiry could stay on your report untilXX/XX/XXXX. 


See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX   XXXX, TX XXXX ( XXXX ) XXXX " This is XXXX  XXXX, which I would never do any business with them ever. '' I did call them and was told XXXX XXXX could have this removed from my credit reports by sending them a letter stating it was by mistake. Also no information is given on this report or inquiry. 

XXXX XXXX, XXXX Inquiry from XX/XX/XXXX- Automobile Dealers, New This inquiry could stay on your report until XX/XX/XXXX. 

See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. This dealer goes by the name : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX!!! I also received a letter today XX/XX/XXXX from XX/XX/XXXX XXXX XXXX   with a hard inquiry from XXXX ! I did not give consent or did not want financing from XXXX  XXXX XXXX, specified XXXX only. That should have been the only financial institution used to finance the 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 2023-06-22
Company: Experian Information Solutions Inc.
State: NY
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. 
Account name : XXXX # XXXX, Account name : 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 explanation
Consumer complaint received 2021-12-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX, XXXX of The XXXX XXXX XXXX XXXX in XXXX, FL I am a JP Morgan Chase business customer for over three years. They began sending me emails marketing a new product called " XXXX '' & " XXXX XXXX  '' to take credit card payments. I read the disclosures and signed up for the service. I then took payments from some customers using the app. My money was held for over a week while they supposedly reviewed the transactions. I was assured verbally by one of Chase 's reps that once this was over that future transactions would fund the same night. 
Yesterday I accepted payment from two customers totaling {$240.00}. Chase immediately put a " review '' on my transactions and is once again holding the money. This bank is restricting my ability to conduct commerce. This bank should be brought up on charges and fined for this flagrant behavior. This is a form of legalized theft. I mentioned to the rep that I was considering retaining an attorney for a possible Class Action LawSuit. Now when I call to get answers on where my money is they tell me that they can't speak with me because I mentioned LawSuit. This bank is in violation of Federal banking laws and needs to be fined and punished for this behavior. They are stealing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
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:
A month ago, I sent the XXXXhree credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: GA
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:
I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. 3 ) Please send me a complete and current credit report, free of charge, per the Fair Credit Reporting Act, Section 612 ( c ) ( 3 ).

4 ) Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : I am seeking your assistance with the following items : XXXX. XXXX XXXX {$11000.00} Acc # XXXX XX/XX/XXXX XXXX XXXX XXXX {$22000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$22000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$33000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$12000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$29000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$12000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$2300.00} Acc # XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Experian Information Solutions Inc.
State: CO
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:
On the Experian credit report Dated   XXXX   XXXX   XXXX  , it lists a previous address as  XXXX   XXXX   XXXX   XXXX  in  XXXX  SC  XXXX .Geographic code  XXXX , Address identification ID #  XXXX . There was an application (  XXXX  ) put in for a  XXXX   XXXX  Credit Card at this location earlier this year that  XXXX   XXXX  contacted us on   XXXX   XXXX   XXXX  . We denied applying for this credit card. We had identity theft on our Colorado  XXXX   XXXX   XXXX  for  XXXX . We have never lived or visited South Carolina. This is identity fraud. This is also the origin of our Colorado  XXXX  tax fraud.

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 2017-05-03
Company: Equitable Acceptance Corp
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
-they falsified my application ( family size  ) -they m isinformed me about program -they misinformed me about how it would report on my credit ( showing as a credit card maxed out ) -they did not make me aware that they were outsourcing my fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
ACCORDING TO 15 USC 1681 THIS ACCOUNT SHOULD BE DELETED. THIS IS A DEFAMATION TO MY CHARACTER. I AM TRYING TO PURCHASE A HOME AND THIS IS EXTREMELY DETRIMENTAL TO MY PROGRESS. TRANSUNION ALREADY HAS A POLICE REPORT ON FILE RELATED TO THIS DISPUTE.

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 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion is damaging my reputation and credit worthiness. Not only are they reporting an account that is passed the statue of limitation they are reporting inaccurate unverified information on my credit report. I have reached out to XXXX & XXXX XXXX several times with no help and send out letters. There is an inconsistency of reporting even just the account number, date opened, terms, payment status, date last reported, DOLA, DOLP, and payment history grid among other aspects question validity of 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 2018-08-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
After having cards on my American Express account issued to two people, I have begun getting solicitations via USPS from XXXX XXXX and others. 


To expand : I've expressed concern to AMEX that my information was being sold on a mailing list on two separate occasions. The service representative at AMEX stated that they do not sell my information. In both instances, I was assured a return call within 24 hours. 

AMEX will not return my calls. 

I worry about the security of my identity when things like this happen and AMEX isn't helping the matter by behaving as if they have something to hide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Experian Information Solutions Inc.
State: GA
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:
This is a fraud account. I have a police report regarding this account. It has been deem fraud and deleted. Somehow another debt collector has the same report and now they are reporting. It was deleted when it was receivable performance now the same debt is being reported by XXXX XXXX. This is fraud and needs to be removed imeditally.

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 2023-06-16
Company: EQUIFAX, INC.
State: GA
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:
This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Good Afternoon, I hope your day is going well. I am submitting this Complaint to inform CFPB that I have been a victim of an Investment Fraud Scheme and would like to File an Official Complaint on this Broker with your Organization. On XX/XX/XXXX, I connected with a XXXX XXXX XXXX by checking the XXXX. The XXXX name is XXXX XXXX XXXX. Her CRD # is XXXX. XXXX provided information that she is currently employed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX and their CRD # is XXXX. Also, licensed as an Investment Advisor with XXXX Personal and Workplace AdvisorsXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX and their CRD # is XXXX. She has a XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX and I started conversing through XXXX XXXX. Her XXXX XXXX contact number is XXXX. Her email address is XXXX. We started conversing on XX/XX/XXXX up until XX/XX/XXXX. She sent me an XXXX XXXX. She stated that she trades for clients and takes XXXX percent of the profits she makes for her clients and clients can take their profits at any given time or she would advise re-invest. She advised me to set up a XXXX account. I had never used XXXX  or ever did any kind of Investing. Therefore, when it came time for me to take the profits, she informed me of another party that needed funds in order to get the profits. I have been de-frauded out of a total of {$110000.00} which is all of my savings. I havent been able to eat nor sleep since my last communication with her on the XXXX XXXX on XX/XX/XXXX. I have all documentation that was involved with this broker. Please see below in reference to the breakdown of the monetary values involved. I have my bank JP Morgan Chase involved in investigating the Scam as well. Please help to stop this broker from taking advantage of others now and in the future. PleasePlease.Please. I look forward to speaking with someone soon in reference to this issue. 
XXXX $ XXXX XXXX $ XXXX Transfer XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX Also, as an FYIplease note that this Broker is still at these games. On XX/XX/XXXX @ XXXX XXXX  and because she has blocked me from contacting her through the XXXX XXXX. I had my son contact her acting like he wants to be a potential client and she responded to him. PLEASE HELP!!!! 

I reached out to XXXX XXXX XXXX XXXX and their Employee Relations Fraud Division returned my call on XX/XX/XXXX to Confirm that XXXX XXXX XXXX is an Active Employee as a Licensed Broker with XXXX XXXX XXXX XXXX but they were aware that a Fraudster was Impersonating XXXX XXXX XXXX. She stated that I was not the first person that this XXXX has done this too and they are aware of this Issue. 

As a Consumer, I would like to see that the XXXX  Website will include some kind of Alert that someone is impersonating this Broker as XXXX XXXX XXXX and to be Warned of a Potential Scam Alert. 

Sincerely, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I tried a couple of months ago to get the daily APR reduced on my Chase credit card because the fees equaled a monthly credit card payment. No luck. Skip forward to today, I fell behind two months and absorbed a tremendous amount of interest plus late fees. I talked to a service representative on XX/XX/2023 and he got the two months of late fees reversed but he said the request to get the interest fees reversed were declined. I checked my account this morning and found that a little amount of interest had been reversed. I have been told that interest charges can not be reversed or refunded but that is a lie. Chase is one of the worst banks to work with and should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: SUNTRUST BANKS, INC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX I signed a loan for a XXXX program in XX/XX/XXXX I was charged partially for a RN program. I signed and went to the school when it was XXXX XXXX XXXX. I was only able to retain the one loan sheet, for the fact I never agreed for a RN program. The loan was sold for XXXX. The amount has remained at XXXX since XX/XX/XXXX. There also appear to be duplicate charges for the XXXX program.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$940.00}

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 2023-05-20
Company: WELLS FARGO & COMPANY
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Wells Fargo bounced a {$300.00} paycheck. The money was taken from the sending account and I was charged returned fees as well as {$300.00}, the amount of the check. I never saw the check and was charged {$300.00} plus fees, on top of the original {$300.00} disappearing.

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 2023-01-25
Company: EQUIFAX, INC.
State: WA
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:
I have been violated and have not been able to get credit. This has caused me very much hardship in my daily life because of this reporting. according to 15 USC 1681a to exclusion a credit report does not include report containing Solely transaction and experience between the consumer and the person making the report. 15USC 1666b also states that if a open ended consumer credit plan provides a time within which an obligor may repay any portion of the credit extended without incurring an additional finance charge such additional finance charge or penalties may not be imposed. 1026.13 also states that a reflection on or with a periodic statement of a extension of a credit is not made to the consumer or to the who has actual implied or apparent authority to use the consumers credit card or open ended credit plan. Please update the following accounts to PAID AS AGREED or I will be forced to seek legal action with remedy of {$1000.00} per violation XXXX XXXX XXXX XXXX  XXXX XXXX Both of these accounts are showing misleading info and needs to be updated

Company response to consumer: Closed with explanation