BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: GA
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:
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 : 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 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 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 2019-02-12
Company: EQUIFAX, INC.
State: MA
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:
First, I am a victim of identity theft. On XXXX I sent a notarized personal statement to XXXX XXXX/Executive Office listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XXXX I received an Equifax credit file. This credit file still shows 1 fraudulent address ( XXXX XXXX XXXX , XXXX, MA XXXX ), 1 fraudulent account ( XXXX XXXX XXXX XXXX # XXXX ) and 1 fraudulent contact/phone number ( XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XXXX ) which means your Equifax is in violation of the Fair Credit Reporting Act. 

Second, on XXXX I sent a letter to XXXX XXXX /Executive Office requesting to have the extended fraud alert removed from credit file. I attached a paystub with my complete SSN to satisfy identification and a utility bill with current service address to satisfy current address. On XXXX I received a letter from Equifax stating : " We're unable to locate a credit file in our database with the identification information you provided. In order to further assist you, we will need additional documents to verify your identification. Please provide your complete Name, Current and Former Addresses, Social Security Number and Date of Birth. We ask that you please send us a copy of two different items - one from each of the two categories listed below.One to verify your identity and the other will verify your current address. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this matter several times. Your efforts in resolving my problem were ineffectual. What else should I do for you to give thorough attention to my dilemma? I believe there may be an error in the reporting, and I am seeking your assistance in rectifying this issue. 
XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand the importance of maintaining an accurate credit history, and I am committed to ensuring that my credit report reflects my financial behavior accurately. However, I am concerned that these late payments are negatively impacting my credit score and my ability to access favorable financial opportunities.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to inaccurate information I saw on my credit file. I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to continual retaliation against me for filing a CFPB complaint against Trans Union . Inaccuracies on my report are being monetized by Trans Union against my will. This company has admitted to defaming my name and is continually and daily committing this federal violation. Trans Union is sharing my nonpublic information with people didn't authorize. Trans Union is giving access to my social security number for monetary gain. Trans Union is conspiring to commit RICO violations and does so KNOWINGLY and WILLINGLY.

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 2023-09-04
Company: Chime Financial Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Chime 's Reference # XXXX On XX/XX/2023, I communicated with six individuals, and the issue remains unresolved. Why? On XX/XX/2023 at XXXX XXXX I transferred {$25.00} to XXXX ( XXXX ) XXXX. According to XXXX XXXX she did NOT receive the {$25.00}. However, she sent me {$1.00} and I returned the {$1.00} ; that account was identified as XXXX XXXX The other account involving the {$25.00} is identified as XXXX XXXX. 
Muliple times I requested proof of the name and telephone number associated with the account where my {$25.00} went. 

Chime does NOT have an option to cancel a transaction nor do the app provide the name and telephone number associated with accounts as other mobile money apps. 

All of my efforts have been fruitless, but I refuse to allow Chime and its associates to deny me the documentation needed to substantiate where my money went. 

Chime refuses to refund my money; and I was informed that the company is legally obligated to provide information regarding this transaction, in an effort to have my money refunded. Please note I will continue to pursue all available resources to receive my {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPT OF ED/XXXX : XXXX, {$20000.00}, XX/XX/XXXX ; DEPT OF EDXXXX : XXXX, {$20000.00}, XX/XX/XXXX ; DEPT OF ED/XXXX : XXXX, {$10000.00}, XX/XX/XXXX ; XXXXI : XXXX, {$1000.00}, XX/XX/XXXX ; XXXX  - CARD SERVICE : XXXX, {$12000.00}, XX/XX/XXXX ; XXXX  - CARD SERVICE : XXXX, {$2000.00}, XX/XX/XXXX ; XXXX XXXX  : XXXX, {$2500.00}, XX/XX/XXXX ; XXXX XXXX MOR : XXXX, {$220000.00} XXXX XX/XX/XXXX ; XXXX XXXX : XXXX {$5500.00}, XX/XX/XXXX ; XXXX XXXX XXXX : XXXX, {$10000.00} XXXX XX/XX/XXXX ; XXXX XXXX : XXXX, {$12000.00}, XX/XX/XXXX ; XXXX XXXX XXXX : XXXX, {$7500.00} XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX, XXXX : XXXX, {$9500.00} XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XXXX, {$16000.00} XXXX XX/XX/XXXX ; XXXX XXXX : XXXX, {$6000.00}, XX/XX/XXXX ; XXXX XXXX XXXX : XXXX, {$9400.00}, XX/XX/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 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 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Good Afternoon! 

I have attempted to contact Transunion to remove unauthorized inquiries to no avail. I have reached out via email, mail, and by telephone with no assistance at all. I advised them over the last year, there were a total of 32 inquiries on my report. XXXX  has shared the fraud details to Transunion yet they refuse to remove them. I need help. Please!!!!!!!!! This is ruining my credit. Also, the details associated with my bankruptcy is not correct. They did not check with the courts because the courts do not verify.

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 2023-07-23
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: 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 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 2023-10-05
Company: Experian Information Solutions Inc.
State: NC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

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

Company 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 2019-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Last year around this time I paid bank America XXXX they said I was behind and five month later I received a check from them forXXXX they found my pay meant now they are saying I old themXXXX so I went to the ban I deal with and I send bank America paper that they cash the check  no respond.so now I ask them how I old u all this money went and I just gave u all XXXX back inXX/XX/XXXX so I call them and I was told I will be get a reinstatement calculation  letter so I talk to bank American back in XX/XX/XXXX so I waited a week has pass no letter so to day I went to the post office I received to different reinstatement so I call bank of American and they said they did not send to letter out so I fax them both copy of the letter .and them I was to to call the attorney that is Handel the paper and so I call them and I was told the erase the. Reinstatement went up because the file some thing in the court and I ask went it was filed so the man from the attorney office said it was filed since XX/XX/XXXX and I replied no way because the one date is good until XX/XX/XXXX so u are contradict your self and the fee wasXXXX and not even three week later another letter can out for XXXX    but I received bother letter on XX/XX/XXXX and both envelopes has the same post mark something is wrong with this picture so all this time they never send the letter out and just send both of then together and the attorney fee went fromXXXX   toXXXX  this is a rip of this is andXXXXrip of this is just a big get over on I.JUST think how many more people these company got over on I been in my home 18 year and I don’t no why mortgage company with unit u all most finished paying for your home to put these kind of tricks.but yes I do no why .so u can lose u home and they can resell and make another big profit

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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 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 2018-07-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened up a certificate of deposit XX/XX/XXXX which was a 4 month CD at the interest rate of 4.88 % and stated automatically renewable meaning it just rolls over. I contacted JP Morgan Chase bank regarding this CD and I was told by XXXX from the executive office that CHASE CLOSED MY CD account sent the funds to RETENTION and they can't find my money. XXXX from Chase executive office is handling this and also told me that CHASE CLOSED my account and the last time the CD was listed on my statements was XX/XX/XXXX. The money is NOT IN RETENTION, It's not been forwarded to the State Of Illinois as unclaimed money. They asked me to locate my XX/XX/XXXX-XX/XX/XXXX tax return to see if I filed an amount from a XXXX. Well the XX/XX/XXXX-XX/XX/XXXX tax return on my computer states its a corrupt file. XXXX only goes back to XX/XX/XXXX to get copies. I can vget copies thru the IRS at a cost of {$50.00} per tax return. Mind you CHASE closed my account without authorization and without any notification oif such. I told XXXX to send me XXXX so I can get those tax returns and she's yet to call me back. I want my CD money which was opened with {$10000.00} with all accumilated interest at the rate of 4.88 % from the time I opned the CD till the day I recieve the accumilated interest. This is CRIMINAL FRAUD AND THEFT. I included a copy of the certificate of deposit and the reciept for opening up such

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During XXXX XXXX  I bought a XXXX XXXX Financing was done through XXXX XXXX. However, the offer provided required direct debit for monthly payments. Debits were to be done at my XXXX XXXX personal account. Therefore, since my XXXX XXXX XXXX account always had enough balance to make this car loan payments, nothing was required from my end for the loan to be paid on time. Nevertheless, since I did not find the corresponding debits of XXXX and XX/XX/ XXXX I called XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, who explained to me that the loan had not been originated. Hence, he suggested that I pay directly to the dealer until XXXX XXXX could completed the due process, and I did. Since there was no active loan, I gave him a two-month payment in favor of the XXXX XXXX XXXX 

I believe that since XXXXXXXX XXXX had the lowest car loan interest rate at that time, the XXXXXXXX XXXX official in charge of the transaction was too busy at the moment and had to delay the due process. In fact, my credit report shows a credit request from XXXXXXXX XXXX  during XX/XX/2019, which I authorized, and another during XX/XX/, which I did not authorized. Therefore, since the car loan paperwork was done during XXXX XXXX  first payment was due in XX/XX/. Therefore, no payment delays apply. Moreover, I gave a two-month payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, hence, there was no payment delayed. In addition, I was never notified by letter or e-mail by XXXX XXXX of the payments delayed, because there was none! There was no active loan. How can I be delayed in a loan that does not exist and has direct debit? It is absurd! It was a direct account debit payment and XXXXXXXX XXXX couldnt proceed accordingly because there was a delay in loan origination. How can I be responsible for XXXXXXXX XXXX  official due process delay? 

You can contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and he will confirm these information.

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 2022-07-22
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA 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 2024-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America decided to close my account today, XX/XX/XXXX for no reason, no explanation, no info requested, no attempt to communicate with me the owner in case they noticed something uncommon.

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