BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Last month, I received a notice from JPMorgan Chase that the interest rate on my credit card that I have had since XX/XX/XXXX would increase. This increase they state would align the interest rate with other comparable credit cards that the firm offers. This is the product that is now called the XXXX XXXX card. When I opened this account, I was an employee of the XXXX and the XXXX solicited the card to all employees with an employee interest rate that remained at 9-10 %. They allowed balance transfers over the year. Naturally I moved balances to this card and do carry a balance because it had the lower rate. Starting end of XX/XX/XXXX, any future charges will assess the higher rate. As I was forced into retirement by the XXXX after more than 40+ years employed with them, I find that first they changed two conditions not just one condition. They only communicated the change around the interest rate and did not communicate the condition that the employee rate would no longer be honored. I can no longer use this card due to the increase in the interest rate now and I feel JPMorgan Chase did not communicate to those that have had the card for a very long time under the initial card agreement and that the card no longer is an employee discounted rate credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 of 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 2022-11-30
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

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 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 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted disputes with Transunion, XXXX, and XXXX about balances and incorrect reporting of student loans and also student loans that do not have contracts. XXXX  and Transunion has refused to dispute these items and did not validate or verify information with the companies but stated that they were valid and updated while none of the accounts were updated or valid. Upon asking for re investigation it was denied although the accounts were never investigated. XXXX investigated the accounts and deleted them because there are no contracts and and are also reported incorrectly/open close dates/amounts/ balances/etc. I am seeking the method of verification from transunion and XXXX as they are not valid and there are no contracts for these accounts. I am adding the disputes so that they can be re investigated validated and deleted immediately. The Credit reporting bureaus Refuses to investigate items but will state in dispute letters that it has been investigated upon contacting the company the companies state that they have not validated or verified any information with the credit reporting bureaus. I have attached the dispute to this complaint

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 2023-04-01
Company: EQUIFAX, INC.
State: AL
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Kriya Capital, LLC
State: GA
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:
XXXX XXXX has wrongful information about my account XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 explanation
Consumer complaint received 2018-06-29
Company: Riverwalk Financial Corporation
State: TX
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:
XX/XX/2018 XXXX XXXX XXXX brought account from XXXX XXXX XXXX. 
XX/XX/2018 I have contact XXXX XXXX XXXX to request documentation as of XX/XX/2018 I have not received documentation. I have received XXXX dispute result indicating information has certified to XXXX the information is accurate and remains. XX/XX/2018 I contact XXXX XXXX XXXX spoken with XXXX @ XXXX, XXXX XXXX and XXXX XXXX XXXX Each representative have informed me XXXX XXXX XXXX do not have documents on file to verify the account. Please assist with getting account removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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: Personal information incorrect

Complaint:
Third Party Supplemental Information File Number # XXXX Date issued XX/XX/2023 Page 11 of 11 Rent to own I have not applied or applied for any rent to own. 
Transunion/the third party needs to provide by who of said application or lease to own contract of the legal entity of the said rent to own as on my credit file by the third party and the legal name of the third party inn regards of the said inquiry last 6 months Rent to own inquires all 6,9,12,24 months need to be removed or provide the said documents of the lender or private company to finance company documents of the said false information of the third party by them stating there legal name and address and phone number of such claims.

I'm filing a complaint with the US Attorney to this actions of third party with no info or address phone number or legal entity of the said third party as on my credit file in which Transunion is held accountable by listing this third party on my credit file with no address phone number or the provider of the said Rent to on or documents of legal binding contract by the third party/Transunion.

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 2022-03-01
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: Account status incorrect

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and I am formally requesting that these be investigated properly with immediacy. The account information listed below Is inaccurate. 

On XX/XX/XXXX I settled with XXXX for XXXX. 
I was informed that they would report my account Accurate and as Paid. 
I have found several inaccuracies with Experian, XXXX and XXXX. 

This account as of XX/XX/XXXX reports as follows : 3 Different payment Status reporting -Reporting as a Current Collection -Experian has payment status as : Legally paid in full for less than the full balance -XXXX has payment status as : Paid XXXX has NO payment status XXXX is reporting this account as open

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to dispute certain inquiries listed on my recent credit report, which I obtained from your agency. After carefully reviewing the report, I have identified several inquiries that I believe should not be included in my credit history. 
Below are the details of the disputed inquiries XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX I understand that credit inquiries can impact my credit score, and I am concerned about the negative effects these inquiries may have on my financial profile. I have not authorized any of the above inquiries and believe they are inaccurate or unauthorized. 

I kindly request that you investigate these inquiries and provide a response as soon as possible. If these inquiries can not be verified as legitimate, I request that they be removed from my credit report to ensure the accuracy of my credit history. 
If you require any further information from me to expedite this process, please do not hesitate to contact me at

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 2022-11-30
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: 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. 

Account name : XXXX XXXX XXXX. Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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 is missing that should be on the report

Complaint:
I have asked the credit bureau to remove the inaccurate addresses that are on my credit report because they are not mine. I do not receive any mail from the postal service at these addresses and this is in violation of my rights. Please remove the listed addresses. 

Prepared For XXXX XXXX Report Number XXXX Date Generated XX/XX/2022 Disputing personal information XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 my wife drew a {$5000.00} check, no. XXXX, payable to XXXX for my life insurance policy premium, and drawn on our joint checking account at JPMorgan Chase Bank , N.A . ( Chase ) XXXX XXXX XXXX, XXXX XXXX  NY XXXX. My wife mailed this check to XXXX that same day, but the check was apparently stolen from the mail. 
We were unaware of any problem with this check until we received a XX/XX/2022 letter from XXXX to me, advising that We have not received your annual premium payment that was due on XX/XX/2022 and that my life insurance policy had therefore lapsed. I verified that check no. XXXX, including an image of the front of the check only, did appear on our most recent Chase statement, but XXXX insisted that it had not received payment. 
I therefore ordered a front-and-back image of check no. XXXX from Chase. On receiving a copy of both sides of the check, I noticed that the back was endorsed with a scarcely legible signature, XXXX XXXX XXXX, or something close to that. It was not endorsed to the payee on the front of the check, XXXX. 
I showed check no. XXXX to Chase XXXX  XXXX XXXX XXXX, at the branch at XXXX XXXX XXXX, XXXX XXXX  NY XXXX, on XX/XX/2022. XXXX XXXX agreed that the endorsement was a bad forgery and added that he did not understand how the check was ever accepted in the first place. He said I would receive credit within 90 to 120 days and asked me to fill out a Declaration of Unauthorized Endorsement or Altered Item, which I did. 
It has now been 120 days but I have received no credit, and only further evasion, from Chase. XXXX  a XXXX from Chase at XXXX ext. XXXX told me, falsely, that Chase was not liable for the check and that my only remedy was against the depositary bank, reportedly XXXX XXXX  in California. He also told me that Chase was pursuing XXXX XXXX, and asked me to wait another 90 to 120 days while it did so. XXXX admitted that he could not tell me when, or whether, I would receive credit for the altered check. 
Chase has no excuse for debiting my account for a stolen check that was not endorsed by the payee or even in the name of the payee. Ultimate liability for the stolen check may be with XXXX XXXX  but Chase is liable to me for the {$5000.00}, with interest. I respectfully request that the CFPB order Chase to pay me this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an account at Bank of America that I made in XX/XX/2022 that got closed in early XX/XX/2022. I had approximately {$12000.00} in my bank account when it got closed. I have been trying since then to get my funds but they have been holding and not sending me the funds.

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 2023-04-01
Company: EQUIFAX, INC.
State: IA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried numerous of times to block the following inquiries from fraudulently reporting on my credit report. My next step after this will to be filing a law suit on the companies as well as the agencies that's reporting the following inquiries, XXXX XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), and 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 explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, 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:
I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 asked Transunion to verify that the Bankruptcy was accurate and how and whom did the verification, the sent me a letter saying it was verified and accurate. They never stated the method of verification which I asked them to supply. I never gave them permission to report anything g on my credit file. I also sent a letter from the bankruptcy court stating they do not report to the credit agency you. a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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