BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A credit card from JP Morgan Chase was opened in my name and I did not apply for it. I contacted them in their Fraud Services Division and their representative named XXXX said that it will be canceled. I also reported it to XXXX credit reports and declared it as a fraudulent credit card. The account was opened on XXXX XXXX, 2023 for the amount of {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Date Opened : XX/XX/2021 Balance : {$5800.00}

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2022-12-06
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:
The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some items is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
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 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 2019-06-14
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In speaking with Union Bank about refinancing, I was only information gathering. A few weeks later, I decided to move forward but with a different agent. The first one, XXXX XXXX, in their XXXX, AZ office, I felt was pressuring me to commit very quickly ; I now believe it was because she was trying to commit me to a 4 % loan just days before the rates dramatically lowered. When I then spoke with someone in XXXX, CA, he told me she had locked in that rate and there was nothing they could do for 90 days!! I did not agree to a rate lock. I did not authorize this girl to do so and now they were claiming because she did there " is nothing we can do. '' A couple days later I started getting calls/emails from 3 people ( XXXX XXXX and XXXX XXXX in XXXX ) and XXXX XXXX in the XXXX office. XXXX admitted in an email that this girl locked in this rate with no authority or consent, but all 3 have refused to apologize or quote me anything better than this horrible rate. Then I got a call supposedly from someone from the " office of the president '' but the president was not identified. I returned that call, got voicemail and no one returned the call. 

All in all, I feel Union Bank was clearly committing fraud and using deceptive practices and when they were found out, they refused to apologize and make good. Truly a horrible, horrible bank.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: NJ
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:
Obtaining a copy of my consumer report, it has come to my attention that Experian is not maintaining accurate and fair reporting according to FCRA 15 usc 1681 Experian is in violation of the FCRA 15 usc 1681a ( 2 ) Exclusions- Except as provided by in paragraph ( 3 ), the term " consumer report '' does NOT INCLUDE ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 usc 1681c- Information EXCLUDED from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed FOR COLLECTION OR CHARGED to profit and LOSS which antedate the report by more than seven years.

( 5 ) Any other Adverse item of information, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES which antedates the report by more than seven years Reporting charge offs are a violation of the INTERNAL REVENUE CODE 26 usc 6050p I should have received copy 1099 C From XXXX XXXX XXXX  when they charged off the debt on XX/XX/2022, but instead XXXX XXXX XXXX sold the alleged debt to XXXX XXXX XXXX XXXX, this is a violation of XXXX XXXX XXXX interference with XXXX XXXX. the XXXX c that was supposed to be provided by XXXX XXXX XXXX  was to be file on a XXXX irs form as income... but XXXX XXXXXXXX XXXX  is with hold copy B of the 1099 C and in bad faith Sold income as a debt to XXXX XXXX XXXX. and EXPERIAN is commiting misprison of a Felony watching this felony take place. 

I am demanding that 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 2023-10-11
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
To whom it may concern : When applying to two apartments I received two notices saying I could not be approved due to a debt I owed an apartment complex. Upon further investigation ( and wasting hundreds of dollars applying to apartments ) I found out the Owner of the Rental Property was XXXX. I tried to reach out to XXXX and they informed me they could tell me nothing of the matter? I tried repeatedly and they finally referred me to a Company Called Hunter Warfield. They said they had sold " debt '' to them. 
I finally got ahold of Hunter Warfield. They told me I owed XXXX {$4800.00} in rent and fees and that I owed them {$800.00} in interest. I am not sure how they worded it but they said something of the nature that they themselves would be pressing charges or that XXXX would be if I did not pay them in a timely fashion. This was after I told the representative at Hunter Warfield I would prefer to communicate by email rather than phone. I paid my rent on time before leaving and even informed the manager there that due to a work-live-in situation I would be exiting the lease. I let him know this weeks before the start of the new month XXXX XX/XX/2018 ). 
There was another individual on the lease as well, XXXX XXXX. About the same time I was going to leave for my live-in-work he was given orders to move back into Housing on the Naval Base. By the looks of the balance they did not search for a renter to fill our apartment till months after we left. In addition due to the size of balance it seems that they allocated its entirety to me and not the other individual on the lease? I have since tried to email Hunter Warfield and have gotten no response. 
If you could help me resolve this issue I would be very appreciative. 
Sincerely, Renter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT
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 have contacted through dispute letter and vocal communication multiple times, both First Interstate Bank and XXXX. both blame each other for being unable to remove errors or delete incorrect accounts. First Interstate Bank has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an XXXX report which has been verified by First Interstate Bank. The XXXX Report is dated XX/XX/XXXX. The Confirmation # XXXX. The account from First Interstate Bank reported in the XXXX report is Account Number is XXXX. I contacted First Interstate Bank to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX ( 11 years ago ). There are many errors on this account. The account is missing High Credit and is blank ( Error 1 ). The Credit Limit is also blank and missing information ( Error 2 ). The Terms Duration is missing information and blank ( Error 3 ). The Months Revd is XXXX which for this loan is Incorrect ( Error 4 ). Amount Past Due is blank and missing information ( Error 5 ). The Date of Last Activity is Reported as XX/XX/XXXX, This is Incorrect The date of Last Payment is XX/XX/XXXX ( 34 months later ) ( Error 6 ). The Actual Payment Amount is Missing ( Error 7 ). The Scheduled Payment information is missing ( Error 8 ). Date of 1st Delinquency is blank ( Error 9 ). Date XXXX XXXX 1st reported is missing information ( Error 10 ). This account according to First Interstate Bank was opened XX/XX/XXXX with the last payment reported XXXX ( 7 years later ), Yet there is no payment history. The payment history is missing ( Error 11 ). by law FCRA Sections 609 and 611 require creditors and credit reporting companies to report information accurately and correctly. The account is to be deleted from the consumers report. This report has many mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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:
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. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Remove the inaccurate information on my credit file that are fraudulent which are posted on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; AR CHILD SUPPORT SER XXXX  Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; AR OFF OF CHILDSPRT ENFO XXXX Opened XXXX. XXXX, XXXX Balance {$3400.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: SC
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:
The list of accounts below is reported inaccurate on my Equifax consumer report. 
As mandated in 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I get sometimes XXXX calls a day from a company who states they are from Amazon, advising me someone from Ohio made a {$720.00} purchase on my Amazon card. When I advise them I did not make any purchase they state I have to go to some website to cancel the transaction, or else the transaction will be approved. This is an obvious scam since every time someone calls with the same message it's a different phone number. one of the most recent was XXXX and the caller ID showed XXXX XXXX Rental. One of the calls the ID was XXXX XXXX. I have spoken to a representative and asked them to stop calling but the calls continue. 

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 2023-05-10
Company: M&T BANK CORPORATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
i was forced to file bankruptcy to save my home when i tried every avenue just because my mortgage company wanted my home by stop sending me my monthly statements for a year since back in XXXX i have been under bankruptcy since XXXX with no help or assistance and no where to turn

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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX XXXX, l initiated a dispute with TransUnion about XXXX XXXX XXXX XXXXXXXX XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX about reporting inaccurate information on my credit report by this credit card company. This account was open on XX/XX/18 closed and charged off and sold to third party collection agency or debt buyer. After TransUnion investigation, their finding was this account was verified as accurate but sold but no other party listed to who it was sold too .and it is not accurate. TransUnion updated credit report send to me stating that XXXX  XXXX XXXX  verified this account info as true not inaccurate information. But they are not telling the truth because this account was paid in full after it was charged off to third party collection agency. I have written XXXX  XXXX XXXX  several certified letters asking them to send me and all three credit bureaus who the account was sold to like name of collection agency and their contact info.XXXX  XXXX  XXXX  never responded back to me but supposedly responded back to credit bureaus. The credit report has another collection agency listed credit report but when l called this collection agency they told me it was transferred to another collection agency after a few calls l finally found who account transfer to them and l paid them in full. That collection agency agreed to pay for deletion and l paid them. They provide me with a pay for deletion letter to send to credit bureaus and the credit bureau refuse to delete this account because they said, XXXX  XXXX XXXX  has to send them updated info like who owns or who this account was transferred to. I been working and waiting on this new info or update for two years now But every time l send in dispute credit bureau saying this info is verified and accurate because it is not accurate because they are saying it is sold but to whom it say it not listed or given in comment area of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: ALLY FINANCIAL INC.
State: CT
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 did not authorize or apply for anything from Ally Financial I called them and they also acknowledged that I did not apply this company is on my credit report not once but twice.. why would a person reapply at a place if they were denied once already it is clearly a error

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 2023-09-29
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-10-10
Company: EQUIFAX, INC.
State: CA
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 request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, XXXX XXXX XXXX XXXX credit card accounts were opened, but I only authorized XXXX. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: NC
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:
Accounts are showing on credit report, that I did not authorize. Tried contacting accounts and credit bureaus, but no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX 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