BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is 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 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 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 2022-12-12
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX  account XXXX is reporting as paid and closed. Account was recently updated, and is now reporting negatively which caused a XXXX point decrease in my credit score with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
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:
XXXX XXXX XXXX XXXX ( XXXX ), a credit company that I have had an account with in good standing with since XXXX, recently ( XX/XX/XXXX ) reduced my available credit by almost 50 % without notice to me, and apparently based its determination on its unauthorized review of one of three credit reports, despite that all reports for me indicate, that as I have with XXXX, I have paid all credit bills timely and sufficiently. 

More alarmingly, it reduced my available credit after I made a large payment toward the bill ( from XXXX to XXXX ). This is a predatory practice that I imagine they are implementing broadly at this time. It needs to be reviewed immediately. The pure lack of notice is enough to suggest the predatory illegal nature of its actions. When I spoke with the company today (XX/XX/XXXX ), they explained to me that they accessed one of my credit reports, and due to my high use of credit available ratio, they unilaterally reduced my credit as soon as I paid 1/2 of my bill off. This is going to go down with the predatory loans made for mortgages if it's allowed to continue. Notice.

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 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2023-09-12
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
TD Finance works with XXXX to provide financing for XXXX purchases. XXXX XXXX has failed to inform the consumer of an internal policy that states any payment made over {$500.00} will have an extended hold of 15 days. After a review of the disclosures provided and attached, it does not display this information. A payment I made for {$1200.00} was on hold after the funds were withdrawn from my checking account. TD received the funds but did not update the available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim ofidentity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation andapply their company policy to treat this as a dispute. In fact, when I called them, they stated that theirpolicy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block thereporting of any information in the file of a consumer that the consumer identifies as information thatresulted from alleged identity theft, not later than 4 business days after the date receipt by such agencyof- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) theidentification of such information by the consumer, and ( 4 ) a statement by the consumer that theinformation is not information relating to any transaction by the consumer. I submitted proof that mysocial security number, fingerprints, birthdate, addresses, and other identifying information wereaffected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all therequired documents per 15usc1681c and yet the CRA has failed to block this information and it has beenover 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX, TX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX : {$150.00} XXXX  XXXX Balance Owed : {$380.00} XXXX  XX/XX/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 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 A VICTIM OF ID THEFT. THESE INQUIRIES ARE ASSOCIATED WITH SOMEONE ATTEMPTING TO RECEIVE CREDIT OR OTHER SERVICES IN MY NAME.

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 2023-01-17
Company: NAVY FEDERAL CREDIT UNION
State: MO
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:
From XX/XX/XXXX- XX/XX/XXXX I applied for a loan with navy fcu they filed a hard inquiry This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: FIRST HORIZON BANK
State: TN
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: Their investigation did not fix an error on your report

Complaint:
First Horizon has made two entries on My consumer report XXXX and others that are false. After disputing the information and making payment that settled the debts, the reported information shows no update that reflects the settled account debts. When settled First Horizon agreed to remove the items. Most importantly the false accusation entered as suspected fraud is baseless, it was not properly investigated, and the character of the debt being associated to fraud violates my consumer rights and it's damaging. I accepted a a third party payroll check from a past associate that was placed on hold and released by the bank, there was no issues with it's validity. After, the overdraft of my account for unrelated unforeseen charges the bank reviewed my account discovery the mistake of the bank whom stated that my account did not allow third party deposits and reversed the credits solely based on the mistake of the bank. The bank decided to prematurely close the account and notate two falsely characterized occurrences of one incidents when submitting the occurrences separately on my consumer reports. The amounts has been settled which the entries do not reflect settlement, and the entries make false claims related to and described as fraud and account abuse which is retaliatory in nature for reason of the bank having to disassociate from it's actual mistake made on the account, further in an attempt to secure it's position without being subject to legal remedy it inflated the infraction, and the bank did not accept any statement from myself or the owner of the check which is failure to properly investigate the incident and allowing the bank to take the level action which is faulty business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian is reporting an inaccurate account on my credit. Experian is reporting an account with XXXX XXXX XXXX I have never done any business with this company, I have never signed any contract or received any services or products from this company. The other two reporting agencies XXXX and XXXX do not list this account on my credit report. Experian is inaccurately reporting this account on my credit report and it is causing my undue financial hardship. I have contacted Experian since 2021 to remove this account and have provided a copy of that communication with Experian.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: PA
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:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates my rights as a federal protected consumer NO CONSENT IS IDENTITY. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2019-06-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased from XXXX for tickets to XXXX XXXX XXXX XXXX on XX/XX/XXXX while on vacation for 4 families for {$650.00} using Chase Freedom credit card. I went online at XXXX XXXX to purchase the XXXX adults and XXXX children tickets. We didn't leave XXXX CA until XXXX XXXX  and I still haven't received my tickets. As we drove down there, I continued to monitor my email inbox and junk mail and still don't see any confirmation email. We stop to get gas, and I try to call XXXX at XXXX XXXX. The wait was long, so I leave a call back number. We went to the zoo to meet up with the other families. As we wait in line to get the ticket since I think there is something is wrong with there system because I bought tickets from them before and got it instantly. They did not give me a call back until we were already in the park at XXXX XXXX. As I spoke with customer service on the phone, I ask if I can cancel it because I'm already in the park, and it was their system error. She told me the ticket is final, but I try to tell her that I'm on vacation and doesn't live in XXXX XXXX, CA. At XXXX XXXX, she sends me the ticket. I call Chase the same date to put in a dispute, but they unable to do it since it's pending. 
I call Chase again on XX/XX/XXXX to put in the dispute and explain the same as the above. They told me that since the website mention all sale is final, so the ticket is valid. This is the second time I have a similar issue with Chase. The previous was luckily resolve by XXXX  stepping in to help because of the seller using deceptive description. I felt that all my consumer right using the credit card is gone since they put a phrase of " All Sale are Final '', and I can't use the dispute quality good/service for online. 
I have attached the call and the time I bought the ticket at the location and the call history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: MD
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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2020-09-15
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.

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 2018-10-22
Company: Experian Information Solutions 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:
XXXX XXXX at XXXX shows a loan for XXXX i filed a police report number XXXX with the XXXX police dept, also a report with the ftc. the ftc informed me of my rights. the XXXX XXXX must show documentation that i obtained this loan, i did not. this item showing on all three credit companies. a fraud a lert was placed the same week of this identity theft!

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 2022-12-12
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 XXXX Account XXXX, XXXX # XXXX Account XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish 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 2020-04-10
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I did not even have knowledge of this account until i started doing some research. But with hours of research it appears the account was overpaid. Also it has negatively affected my credit score very drastically. And it also appears that they accepted a payment after they already closed the account. Isnt that illegal? Please see the attached images i have sent for proof. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TD BANK US HOLDING COMPANY
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:
XXXX XXXX has an account open under my name and social, that i never requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
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:
XXXX XXXX at XXXX shows a loan for XXXX i filed a police report number XXXX with the XXXX police dept, also a report with the ftc. the ftc informed me of my rights. the XXXX XXXX must show documentation that i obtained this loan, i did not. this item showing on all three credit companies. a fraud a lert was placed the same week of this identity theft!

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 2023-07-26
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home equity loan with my credit union XXXX   Employees credit union and got a letter of approval for {$33000.00}. I waited 33 days for the loan to be assigned to a processor and today they called me stating my income ratio is not enough to cover the loan and they counter offer me only {$10000.00}. I talked to the supervisor and he said that XXXX car loans under my name are my responsibility. I explained that I'm not doing the payments for the loans and I'm just the cosigner and if they need proof of that I can give them whatever they need. I also told him that why are only taking XXXX of my other income in consideration and not the full amount? And he was saying that they look for income on the next 3 years. It was a whole bunch of running around and he couldn't explained to me where in their written policy says that?! I thing I was discriminated base on my gender and marital status. Please do something about this cause if it was for married couples the approval is faster. Also my credit score is not bad at all.

Company response to consumer: Closed with explanation