BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX account # 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.

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 2023-04-19
Company: EQUIFAX, INC.
State: VA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX AND XXXX CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX 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
Consumer complaint received 2023-12-08
Company: JPMORGAN CHASE & CO.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a coupon for Chase email with an offer for {$300.00} for opening a Chase Total Checking account, {$200.00} for opening a savings account, and {$900.00} for doing both. I opted to do the {$300.00} checking acct. The green button said Open an acct and states Coupon code applied when you click open an account. For the {$300.00} checking offer it asked for any direct deposit to be added to the account. I signed up XX/XX/24 and made a direct deposit XXXX, XXXX, and XXXX XXXX. I reached out to support starting XX/XX/XXXX as I did not receive a bonus for the first deposit XX/XX/XXXX. The representative stated the code was not on my acct and could not be added after 21 days. This is not true because the link stated coupon code was automatically applied when going through the link. 
I then called the chase telephone line and the representative stated they can see the coupon but i'm not a new customer and escalated to his supervisor. The supervisor confirmed that is not true as I have not had a checking account over 2 years and that I was eligible as a new customer and had made proper direct deposits and that they would escalate. A representative called back XX/XX/XXXX and inquired about the account and I gave info about not being customer over 2 years and said he will escalate and call back. No one called back. I reached out the next week and an agent said the ticket was open and to just wait. I followed up again today because no one has called and the agent said the agent closed the ticket XX/XX/XXXX even though he said he was working on it and would escalate still because I had not been a member and was looked at as a new member. 

Used {$300.00} Checking promotion/ Satisfied direct deposit Have not had a checking acct over 2 years Chase is not holding up on their part of the deal to pay bonus. I was mislead with opening acct. I was told by the supervisor I was in the right from Chase because I was a new customer because of time since last closed account, I used the promo. and made a direct deposit. They have since lied to me and not honoring agreement set.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-01-05
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: Investigation took more than 30 days

Complaint:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Im accordance with the fair credit reporting act, this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-02-25
Company: EQUIFAX, INC.
State: CA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that they items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: PA
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 submitted a dispute for the inquiries on my credit report. The inquiries were removed, however my credit score was not addressed. The inquiries which were removed had a negative impact on to my credit score, therefore their removal should have a positive impact to my credit score.

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 2023-07-25
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:
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. 
( XXXX. XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX. XXXX XXXX - XX/XX/XXXX ) ( XXXX. XXXX XXXX - XX/XX/XXXX ) ( XXXX. XXXX XXXX - XX/XX/XXXX ) Has violated my rights ( Noted ) all of the above Accounts have been negatively closed. 
15 USC 1681 A. section 2 : states I have the right to privacy.

15 USC 1681, section 60 for a section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report in 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 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if The I can person knows, or has reasonable calls to believe that the information is in accurate.

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 2022-10-11
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$440.00} ; XXXX SELF-REPORTED XXXX Balance : {$140.00} ; XXXX SELF-REPORTED XXXX Balance : {$50.00} ; UTILITY SELF-REPORTED XXXX Balance : {$490.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
XXXX XXXX XXXX XXXX Bank : XXXX Please review the attached document about mileage at vehicle turn in. Compare the signature to my signature sample and you will see as any judge or court would see, the signature is NOT mine. Also note the signature on the Lessors line. It does not match the name of the Lessor. This document is fraudulent! I never signed this document and even turned the vehicle earlier than the date they have on the document It was not me who signed this document, the other signature is fraudulent as well. I am not playing any games or lying. This is seriously NOT my signature and NOT my document. This document is NOT legally binding and therefore you must delete the inaccurate info you keep reporting to the credit reporting companies. 

XXXX Bank, This tactic you are using is against FDCPA and is deliberate. You all are violating my rights and fraudulent methods you are using can not be used.

Credit Reporting Company. You now know the claims of XXXX Bank are false and they keep sending you verified reports. FCRA requires you to delete these records from my credit report since this data furnisher is fraudulent and not able to provide accurate reporting. They are clearly an abusive predatory lender attacking my credit report to extort money from me that they are not entitled to. Please stop showing bias and favor to what you get back in XXXX from the data furnisher. You are supposed to investigate not just publish what they say! Its a dispute and you are supposed to perform proper investigation considering the fact that the information they provide can be inaccurate thats how you ensure maximum accuracy. This document that they are providing you is proven false and I have made a police report about it! Please delete.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Months ago, I have sent a letter to the three credit bureausasking 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following : XXXXXXXX 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

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 2021-01-05
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-01-05
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company called me threating repeatedly about a debt that does not belong to me. I informed them on that and they still were persistently making false accusations. I noticed they applied an account that is not mine to my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account 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 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 2020-12-30
Company: Experian Information Solutions Inc.
State: CT
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: Was not notified of investigation status or results

Complaint:
i have not received letters replaying to my concern regarding to inaccurate information been report in my credit profile i requested on XX/XX/2020 with follow ups on XX/XX/2020, and 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 2020-08-30
Company: JPMORGAN CHASE & CO.
State: CA
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've reached out to Chase multiple times regarding this matter. My first letter to Chase, I requested the original consumer contract on XXXX XXXX. On the letter I sent my social security number, address, drivers license and account number. Chase responded asking for more information regarding this account which I don't have. Chase have yet to send me the original consumer contract.

Company response to consumer: Closed with explanation