BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The Credit Bureaus never did a proper investigation according to the FCRA. 

The terms investigative consumer report means a consumer report or portion of there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also they have violated my rights even more In accordance with Fair credit reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active inaccurate and the date last reported is not accurate. This ground for removal. 

They also violated the because according to 15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2020-09-20
Company: Paypal Holdings, Inc
State: IL
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've been the victim of identity theft, a paypal debit card was established in my name fraudulently. I received the card in the mail and have a account that I did not establish. Paypal customer service lines will not pick up phone calls ever it will always go to a line that hangs up ; and using their chat service I've gotten no resolution to identifying the fraudulent account to close it. I've been told to cut up the card, and have been given other non-answers to fix fraudulent charges on my account which is not resolving the issue of fraud at all. I've been trying to resolve this issue for over a week and it has not been handled appropriately. At this point the customer service has not taken any information to identify and close the fraudulently created account. I'm raising this issue because their customer service is not taking the issue of fraud and identify theft seriously by ignoring my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A dispute was sent to Equifax regarding an alleged XXXXXXXX XXXX charge off account XXXX. Equifax did not verify and update the account as " disputed '' on my credit report. 

This is a violation of the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Delete the inaccurate information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: JPMORGAN CHASE & CO.
State: NY
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:
Chase has stolen my money and is doing very little to return it in a timely fashion. 

I mailed a check for {$55000.00} to XXXX & XXXX XXXX. Someone took the check from the mail, deposited it into a personal account at XXXX XXXX XXXX XXXX  flagged it, held and cancelled/stopped payment on the check. Chase Bank released the funds to XXXX XXXX and is telling me 120 days to get payment back. XXXX XXXX has told me they will expedite returning the funds as soon as they get a claim from XXXX, and I have even provided the contact information to the rep at XXXX XXXX XXXX to help move things along as a small business needs to be paid for the work they completed. I do not have another $ XXXX sitting around to cut another check while I wait for my money to be returned at the mercy of Chases poor and unorganized process. 

I have filed a claim with the Fraud department at Chase at which they have misplaced paperwork, sent a claim to XXXX XXXX without confirmation that it would be received and according to their process does not follow-up. Chase has done everything to impede the process, slow it down or take no responsibility on behalf of their customer when they are responsible for releasing funds for a check that was never processed. 

I requested a copy of the claim they sent to XXXX XXXX at that point Chase told me I need to take legal action against them and subpoena them for a copy of my own claims record. 

This is a horrific banking experience to know that Chase cares little to protect their customers, releases funds for checks that never cleared, and loses personal information sent in to them to process claims. My executive office claim at Chase is : XXXX, the claim to XXXX XXXX  ( which Chase refuses to confirm was even received ) is # XXXX XXXX. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 USC 1681 im in the process of buying a house and this credit report is defamation to my character and livelihood for this credit report be inaccurate. i noticed unauthorized inquiries on my credit report that i would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 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 XXXX XXXXXXXX, TN child sup has incorrect information on my credit report that also is causing damage to my livelihood. I've been denied careers and business opportunity due to inaccurate credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: FL
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 second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Balance Owed : {$2500.00}, XXXX  XXXX Balance Owed : {$880.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: MD
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 recently reviewed my credit report and have noticed some items that I did not authorize. I have done some research and have supplied you with all the documents necessary to have these accounts and inquiries removed from my consumer report. Please view the attachments and investigate these accounts thoroughly.

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 2023-08-18
Company: EQUIFAX, INC.
State: AR
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:
In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX  Balance {$3000.00} ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX an account was opened in my name under false pretense by someone using fraudulent information. The person took the money and ran. I reached out to bank for assistance in getting resolve but they were only concerned about getting paid. In fact their only solution was to put me on a repayment plan with a higher interest rate until the debt was paid. They knew about the scam because of other victims but never offered to help. In XXXX a judgment was awarded against me. At the same time the bank was suing the person who scammed me for the same loan. In XXXX the scammer plead guilty but NFCU still came after me for the money. All of my attempts for resolve were forwarded to their attorney who only allowed for a repayment plan. Today I still suffer from the effects of this mentally and financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-08-18
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX Equifax mortgage XXXXXXXX XXXX have put credit hard inquiries on my credit report that I gave no permission to and not responsible for. EQUIFAX REPORT XXXX XXXX Has put a credit inquiry on my XXXX REPORT IM NOT RESPONSIBLE FOR XXXX  XXXX XXXX and XXXX XXXX XXXX Has put inquiries on my account Im not responsible for I ask all be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. TransUnion has received 90+ requests for these XXXX records in the past 188 days. Upon phoning XXXX XX/XX/21 TransUnion 's agent XXXX  employee # XXXX confirmed the existence of verified records ( lease document, etc. ) provided by XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX but refused provision of these business records relating to transactions and accounts. Please ASAP, without further obstruction, email XXXX these XXXX records XXXX verified existed.

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 2023-08-18
Company: EQUIFAX, INC.
State: MD
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 am doing a follow up notifying the XXXX and Equifax that I was a victim of identity theft, and this is another request to block and remove these inquiries from my credit file resulting from alleged identity theft. Again, Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this items in my identity theft report in my previous letter & I am including it again. Also, I found another unauthorized inquiry in my XXXX Credit Report, and I know that this inquiry was opened without my permission. Please see below the inquiries that I urgently needed the 3 Bureaus to remove : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/22, I notified each of the consumer reporting agencies, the secondary reporting agencies, XXXX card and XXXX  that several of my rights as a consumer had been violated. Both of these companies furnished accounts on my credit file without my written permission. I am also a victim of identity theft. It is required under 605 b of the Fair Credit Reporting Act that these accounts be removed and blocked from my credit file within 4 business days. I am demanding that these accounts follow 15 1692 c and cease and desist all conveying of information directly or indirectly to any person through any medium regarding these fraudulent accounts. Also XXXX and XXXX are committing tax fraud by reporting a charge off to my file. They are also reporting information that is not accurate or true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, I am done fighting with Synchrony Bank. This company has lied to me more times then necessary. Synchrony Bank 's customer care team told me a refund check for my account ending in XXXX was mailed on XX/XX/2022 and would be received within 7-15 business days which would have been by XX/XX/2022. I am sick and tired of this company lying to me. I even called and the person I spoke with on the phone confirmed and verified that check was mailed to my address and would be received. I am no longer going to put up with this business lying to me. I am now requesting to be protected to fight for what this business has been leading me on about. I was informed by multiple agents within Synchrony Bank 's customer service team a refund was processed and was mailed to my address on my account .I am now requesting assistance in obtaining the refund check I was promised would be mailed by this business. The amount of the refund check was for {$4500.00}. 


Thank you, 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 2018-09-13
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX  had multiple inaccurate information on my credit report as I spent 3 years attempting for them to get it right, It was fixed and my score was XXXX. I also am going threw identity theft for over 10 years And had a unknown inquiry from a creditor that I already had so I disputed the inquiry ... XXXX Theyvremoved the 6 years of payment history and left the Hard inquiry I never gave permission for. They also let the fraudulent activity happen when this persons runs my credit while I have made a police report, Identity theft reports, credit freezes and locks. I now have nothing on my report with XXXX  and am showing as deceased. I have been waiting for the right time to get a auto loan and Am getting extreamly high rates due to no history. I had 100 % on time payments with 3 credit cards and the longest was 6 years. I sent them their own credit reports showing they have reported the acct for years and they refuse to fix it now my score is below 650 and the other credit reporting agencies are receiving the same information I have never been late on anything. I was at XXXX with all 3 beuours and XXXX fico score with all 3. I assumed i would of gotten the beat rates for a auto loan for which i could afford but now all 3 agencies have dropped my score all due to XXXX deleting my 3 credit cards which had a perfect history. Now i have multiple inquiries due to the fact i went into a dealership telling them my scores and getting a monthly payment within my families means and walked out in tears, I've been going threw this for years and they can not keep my credit at the score it deserves No matter what attempts I do to prevent it and how many times I have to dispute it. It comes back. I have made multiple complaints threw your agency as well .All XXXX , XXXX , and experian just refuse to Make my report right even though I have sent them proof of there of their own reports. I have 3 cards XXXX, XXXX and XXXX XXXX No inquiries except for the recent car loans I had no doubt I would of got a great deal.

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 2022-11-21
Company: A.R.M. Solutions, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The descriptions I had to chose from didn't really accurately apply. Here is my explanation of what I experienced : I received a false collection letter that I owed money on a newspaper subscription that was overdue and that instead of collecting the balance amount of {$36.00}, they would accept an " Authorized Settlement Amount '' in the amount of {$27.00}. The bogus balance was from the XXXX XXXX XXXX where I have had an account for some time. I knew this was untrue, so I called the XXXX XXXXXXXX XXXX and they informed me that my account was good until the first week in XXXX and that they did not use a firm in California to collect debts. I cancelled my account with them, since I obviously am not the only one that has access to their subscriber 's information and contacted you. The name of this fraudulent deb collecting company is : A., R.M. Solutions, XXXX XXXX XXXX, XXXX, CA XXXX XXXX I am sure people less skeptical than I have already handed over XXXX 's to them. Please stop them before they can do anymore harm than they already have.

Company response to consumer: Closed with explanation