BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I received two emails from XXXX on Friday, XX/XX/XXXX, that stated I had two credit card inquiry on my credit report. I signed on to my XXXX account and noticed two hard inquiries from JPMCB back and XXXX XXXX XXXXXXXX. I did not apply or attempt to open any new credit cards. I called XXXX on Saturday, XX/XX/XXXX and was told to call back on Monday since there fraud department is closed on weekends. I Called XXXX on Monday, XX/XX/XXXX, they advised me to file a report on the FTC website, as well as, call both creditors, JPMCB and XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$0.00}

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 2022-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: MO
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 am writing to dispute and request an investigation into the charge-off accounts listed on my credit report. I recently obtained a copy of my credit report, and upon reviewing it, I noticed that there are several accounts that have been charged off. These entries are negatively impacting my credit score, making it difficult for me to secure loans or credit on reasonable terms. 

I believe that these charge-off accounts are not accurate and are unfairly damaging my credit profile. I request your assistance in investigating these accounts and, if they are found to be inaccurate, I request their removal from my credit report. 

I am disputing these charge-off accounts on the grounds that : I believe that the information reported is inaccurate or incomplete. I have attached any supporting documents that can help rectify the inaccuracies. 

I request that the credit bureau verifies the validity of these charge-off accounts with the respective creditors. 

Outdated Information : If any of these accounts are more than XXXX years old, I request their removal as they should not be reported according to the Fair Credit Reporting Act. 

Enclosed with this letter, you will find copies of the supporting documents that I have gathered to validate my dispute. These documents include [ list any documents you are including, such as payment records, correspondence with the creditor, or other evidence ]. 

I kindly request that you conduct a thorough investigation into these accounts as per the Fair Credit Reporting Act and respond to this dispute within the XXXX period stipulated by law. Additionally, please provide me with a free copy of my updated credit report after the investigation is complete. Please hepl me remove the following accoutns in my credit file XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3800.00}.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it 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 2022-06-16
Company: Bakkt Opco Holdings, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
https : //www.bakkt.com/ ( Using the bakkt app on XXXX. ) After submitting personal information ( such as SSN, address, etc. ), linking a bank account and initiating a withdrawal, my account was locked. Worried the company may be fraudulent or have fraudulent intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/16 I submitted a complaint regarding late payments being reported on my account I received notification stating that the information was updated. Nothing has been updated I am submitting another complaint for each account Individually so that no information will be missed or miscommunicated. I am attaching proof that each account was paid as agreed upon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was a customer with BridgeCrest from XX/XX/XXXX - XX/XX/XXXX. I had an auto loan with them. I was reported late twice on all 3 of my credit reports by BridgeCrest and this is inaccurate. In XX/XX/XXXX I refinanced the loan. The new loan company sent Bridgecrest a certified check for the payoff prior to my next payment being due. Bridgecrest has a policy of a minimum 10 day hold for document verification. Bridgecrest held the check until XX/XX/XXXX and gave me a 30 day late on my credit report. Please look at my XXXX  report they gave me a OK for XX/XX/XXXX. NR ( Not Rated ) for XX/XX/XXXX and a 30 day late for XX/XX/XXXX. I asked them several times to adjust my 3 bureaus and they refuse. 

On my XXXX  Bureau they marked me 60 days late XX/XX/XXXX. I was current in XX/XX/XXXX and current on XX/XX/XXXX. Therefore I could not be 60 days past due. I pointed out this error and they refused to adjust it. 

Please review the attachment XXXX XXXX XXXX Page 1 & 2. This is the company that refinanced the Bridgecrest loan. As you can see the account was opened in XX/XX/XXXX along with a payment reported for XXXX. The same month Bridgecrest is reporting me late for on XXXX. 

On XX/XX/XXXX I was involved in a fatal accident and lost a loved one. I was medically incapacitated. I asked Bridgecrest for mercy and to waive the 30 day late and they refused. However, I have read comments of customers on this site stating Bridgecrest agreed to adjust their late marks on their credit reports due to COVID-19. Why am I being discriminated against because my medical issue was not COVID-19 related? I had an unforeseen occurrence due to no fault of mine and Bridgecrest refused to offer any assistance. Public relations has nothing to do with decency. Had someone been rejected because of COVID-19. The court of public opinion would render a verdict. However we both suffered difficulty and mercy was needed. I was denied. 

I did file a XXXX  complaint on Bridgecrest. I was very disheartened to see the representative from Bridgecrest being misinformed stating that for the life of loan I was 17 times 30 days past due on my payments. This is 100 % not true as shown by my 3 credit reports I uploaded.

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 2023-10-27
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: In progress
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: GA
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 Account 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 intrusions. 
XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. 
XXXX. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. 5. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. DEPTEDXXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account 8.DEPTEDXXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate 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 2023-06-06
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted Mohela on XX/XX/XXXX via email to request reimbursement of payments I made during COVID. I made XXXX payments : XX/XX/XXXX paid {$1000.00}, XX/XX/XXXX paid {$6500.00}, and XX/XX/XXXX paid {$7500.00}. I did not receive any response to this email. I also mailed a letter to follow up and never received a response. I began calling in XXXX of XXXX. Initially I was told they would reopen my loan ( it had been discharged through the PSLF program ) before refunding my payments. I was told this process would take 90 days. After 90 days, I called again and was told nothing had been noted on my account so the process had not even begun. They began this process in XXXX, and I was again told it would take 90 days. Most recently, on XX/XX/XXXX, when I called to follow up I was told they were issuing a reimbursement in the amount of {$5400.00} but they were not able to explain to me why they were refunding this amount and not {$15000.00}. In addition, my current principal/payoff amount is now reading as {$23000.00} and no one can explain that amount either. Each time I call I am on hold for hours. Today when I called asking to speak with XXXX in the Resolutions Department and provided her extension that she had given to me, I was not able to speak with her and waited on hold for XXXX minutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: U.S. BANCORP
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have tried to transfer funds several times from my us bank reliacard to my bank account. I have called customer service, they could not see any reason for the transfer failure and was told that my issue was being escalated and I would receive a call. I have not received that call in over 24 hours. I was notified by text that the money was available in the account XX/XX/.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Yes! 

I submitted ( 2 ) letters to ALL THREE credit bureaus on XX/XX/XXXX. One letter was to validate ( 3 ) accounts and the other letter was to validate the late payments for my ( 6 ) student loans accounts.

I only heard back from XXXX  for the ( 6 ) student loan accounts.

I then submitted a NO RESPONSE letter for the other ( 6 ) student loan accounts for the other ( 2 ) credit bureaus and for the ( 3 ) accounts for all credit bureaus because I didn't get a response. This was done on XX/XX/XXXX. To be safe, I sent the SAME set of the above letters on XX/XX/XXXX. 

I haven't heard back from the bureaus for any of this!!! 

I called up to the credit bureaus and XXXX  and Transunion BOTH conveniently stated that they only received one letter. ONE LETTER!! 

Of ALL the letters I've sent, they only received ONE LETTER! I just don't believe that. And Transunion didn't even investigate the late payments ... they investigated the balance!! Thats not what I asked!! 

I can clearly see that this information on my credit report is reporting INACCURATELY and on top of that, no investigation has been done after numerous attempts. 

THIS IS A VIOLATION OF MY RIGHTS!!! I demand an investigation and deletion of this inaccurate information!! 

Thank 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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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 U.S.C 1681. ACCOUNT Name : XXXX CARD XXXX, XXXX CARD XXXX, and XXXX CARD XXXX. 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 XXXX 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 2023-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hackers created a new account under my BOFA account and they transferred money from my real account in CA to the fake account then they tried to withdrow the money from PA by a fake debit card. Banks should not open new accounts online because this is the window for the hackers to get our money.

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 monetary relief
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Once again I'm sending a complaint in for Experian Information Solutions about reporting on my consumer credit report without my consent. On XX/XX/2021 I reported improper use on my credit report by Experian Information Solutions to the CFPB, they responded back saying it's a unauthorized third party on XX/XX/2021. I am the consumer XXXX XXXX sending these unlawful practice information being use by Experian Information Solutions. Please remove all XXXX XXXX account from consumer credit report information. According to FDPCA, Experian Information Solutions violated 15 U.S.C 1692 ( c ).

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 2023-11-11
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:
XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX, XXXX and Experian, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXXXXXX XXXX Acct # : XXXX Unauthorized Credit Inquiries to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
n accordance with the Fair Credit Reporting act 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

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