BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
In accordance with the Fair Credit Reporting act 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another 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 2023-10-30
Company: Experian Information Solutions Inc.
State: LA
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:
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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

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 2023-07-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
These accounts do not belong to me and are fraud. I have included the identity theft report as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Went to Santander bank 's website ( https : //www.santanderbank.comXXXX ) to see what's available, I called customer service to verify possibility to have a checking account. After given a positive response I proceed to fill in my personal information and make the required initial deposit, a healthy {$500.00}. After welcome to your application email, was only followed by a " Denied '' second email. When calling to the provided phone number the representative told me to do it a second time due to my VPN because they were not able to see that I am in USA. In  doing so for second time without VPN I encounter the same outcome, " denied ''. Called a second time and the representative said : '' oh let me see with the person in charge of new accounts and we will call you back in a couple of hours '' ( NEVER happened!, all a lie! ) So now in speaking to customer service again ( third time ) :, Contacting Santander over the phone : the representative stated that Santander was unable/unwilling to provide a reason as to not opening the above mention account on line. 

The email says : " We are sorry, but we are unable to open your Simply Right Checking account online, since we were unable to verify some of the information on your application. 

We may be able to open your account in person at a Santander branch. '' So I offer them to send a certified letter/note with my DL copy and Passport because is so far away from me -- but the representative/supervisor stated there are still no guarantees that they would open an account. 

This is not good business sense and extremely poor customer service! And very poor untrained personnel, ( they all have a different response or don't know how to help you )

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 2023-07-17
Company: EQUIFAX, INC.
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, 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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX loans used to be serviced by XXXX. In XXXX of 2023, I was informed the loans would be transferred to XXXX. And indeed they were transferred and my XXXX account shows a balance of {$0.00} and a payment in full on XX/XX/2023. Since this time, XXXX has been servicing my loans with no issue. 

However, XXXX continues to report all of loans to TransUnion credit report. I have disputed the issue twice with XXXX and twice to TransUnion. As a result, my credit report shows a nearly double student loan balance ( because XXXX rightfully reports their balance but XXXX continues to report a balance owed on all of the loans despite the transfer, full payment, XXXX balance ).

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 2023-01-19
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I wish this to reflect that it is about Comenity XXXX XXXX. I have always paid this account on time every time. My bank sent a check to this credit card company to be received XXXX XXXX XXXX the XXXX on a bill that was due XXXX the XXXX. Thamount of {$22.00} was to pay the account in full. They claim they did not receive that chat which was due to be received by them XXXX the XXXX until 13 days later On XX/XX/XXXX. That just happened to be the closing date for them to mail out my statement. They arevthe only ones in control of honestly or fasely stating when they received payment. Apparently my check laid around their office until they decided to send out my statement. So I was charged {$22.00} plus {$2.00} interest For not having paid the bill by the XXXX period thus I'm being penalized {$24.00} for their tardiness in posting my my payment. It is UN reasonable that it took them 13 days to receive the check that was mailed by the bank. I have never had a payment be late when it was timely mail by my bank I contested this issue so I have been TEMPORARILY credited with this amount. However their letter of XX/XX/XXXX indicates if this issue is found in their favor ( which only they have control over, so of course they decide in their favor ) I will still owe this a mile plus interest and penalty for possibly up to 3 months, 90 days. if they say it will take them to " investigate ''. Therefore to avoid them coming back and Charging more money I tried to pay the {$22.00} contested. But they will not let me. Therefore at the end of this period I could owe them the {$22.00} + no telling what penalties they will add. They are In complete control and can say a payment sent by the bank takes 13 days to be received all the time. First time ever for me.Obviously this is an unfair business practice that if they do this to enough people, they could benefit quite handsomely. I believe more scrutiny should be made of this kind of billing practice that Prevents a person from not owing more than the contested amount. I am quite willing to pay it today if they will refund it when a decision is made. However they would not let me by phone and the online account will not let me. Then they can come back in 90 days and say I owe them more? They would not let me speak with anyone today to resolve this today, even with me making payment of the amount in dispute. So I have this hanging over my head for 90 days. As a patient in XXXX XXXX, I do not need this worry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02
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: Old information reappears or never goes away

Complaint:
My student loans are forgiven and asking for them to be removed off all three credit reports.

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 2019-10-17
Company: EQUIFAX, INC.
State: NV
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 refuses to remove invalid creditors from my credit report which has decreased my credit score the creditors in my credit report not mine and has been placed on my acount incorrectly and invlid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
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:
XXXX XXXX - Hard Inquiry Identified a wire transfer to being improper, this was done by a person who authorized the transfer into my account. Now this hard inquiry is being held until XXXX. This wasnt my fault and I was being held accountable for a wire transfer made into my account by the approved partner. Realizing they were trying to negate their claims, XXXX XXXX has since been able to report any updates or issues from then on.

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 2023-05-13
Company: Sentry Credit, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When I moved out of the complex there was never an amount owed. I never received a call, mail, or anything from the original debt collect nor the collection agency regarding this matter. The apartment complex never reported to my credit. The first time knowing about this debt was because I got a notification from XXXX XXXX saying a collection had been placed on my account. I originally went to solve the matter with the apartment complex but they stated that they didnt have any paperwork to acknowledge the debt and that I should dispute it with the collection agency. The collection agency never reached out to me regarding this matter before attacking my credit report with false information. The collection agency is Sentry Credit and when asked to send documentation nothing was never received to prove that this debt belonged to me and that I owed them or signed any paperwork with this company stating that I would pay them any funds. I also went through the credit bureau to dispute this matter to see if they would send them the paperwork to prove this matter nothing happened. I feel this account should be removed from my credit report it is making it hard for me to take care of my family and have a roof over our heads. Sentry Credit there address is XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
About half a year ago Chase bank decided to close my checking account without providing any reason for doing so. However I still have business account with Chase. Half a year later I reopened personal account because Im sure its a mistake. 
Today I got mail that my personal account is being closed, as well as my business! credit card, without any explanation. My business checking account is not involved in this closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Byrider Franchising, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Attention JD BYRIDER, My name is XXXX XXXX And I BROUGHT a XXXX XXXX XXXX and have been making monthly payments direct deposit TO CNAC and I made the Payment for XXXX, XXXX and XXXX and CNAC employee claims that XXXX XXXX XXXX didnt pay CNAC And I have my bank statement as proof I paid my vehicle and told me my car I DRIVE could get repo and this is an internal JD BYRIDER SCAM and my XXXX XXXX XXXX bank statement will prove this for 3 payments of {$430.00} paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX from the beginning of this Sale the Saleswomen sold me a Lemon and the SUV had a Bad Computer system and Catalytic Converter and bad brakes with a state inspection sticker. I want this sale non-void and Nullify and invalidate this Criminal Sale of a used car and tricky me to buy the XXXX XXXX XXXX XXXX with full Knowledge of the Vehicles condition and just made this Lemon Sale to me and charging me {$430.00} a month for A worthless SUV. the Vehicle is still with a Malfunction of the SUV computer system and no brakes and now the SUV Transmission is slipping to top off the Lemon Deal and I mainly use my Vehicle Purchased with VA Compensation Funds and use the SUV to go to all My VA appointments  because I am XXXX XXXX XXXX and I explained this situation To the Saleswomen and I have been Ripped off by JD BYRIDER AND CNAC Company and I demand my money back. 

I Remain, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Notice to Agent is notice to principal notice to principal is notice to agent. 


On XX/XX/2023 you received my dispute regarding some transactions and late payments that you and XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Please update this account and transaction from my consumer reports : Never Late ( PAANL ) : 1 ) XXXX ( Account Number XXXX ) - XX/XX/2023, Your truly 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 2022-12-27
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:
This is my NUMEROUS 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 listed below : ( Original Creditor : 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 2022-12-27
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting 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 Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX : XXXXXXXX XXXX  XXXX XXXX : RESIDENT VERIFY XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another 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 explanation
Consumer complaint received 2023-05-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I originally opened my account in XXXX but kept same account when I moved to AZ. I have two checking and one savings account at Chase. I recently sold my home and buying a condo requiring cash. I received an ACH transfer from my title company using the same routing number as on my checks. No problem, that transfer went thru smoothly. However my brokerage also sent an ACH on XX/XX/XXXX and I/we keep getting the runaround from Chase ACH support services. Ive called every day. First they told me on Tuesday that they found the payment and would post by XXXX. No! So called again on Wednesday, no record of transfer! Called again today on a 3-way call and were told because the amount was over {$100000.00} it would not be released until XX/XX/XXXX following investigation! Please help, we are only reaching XXXX support who then texts someone else for guidance. They said there is no XXXX contact for Chase ACH accounts.

Company response to consumer: Closed with explanation