BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a dispute to Transunion in XXXX of XXXX The dispute included a XXXX XXXX XXXX Account. The dispute was in regards to the balance being incorrectly reported. The balance should be {$0.00}. I even sent proof of the {$0.00} balance for the account. However, after disputing the balance of the XXXX XXXX XXXX account. Transunion replied with the dispute results via mail. The response did not even acknowledge or give results specifically for the XXXX XXXX XXXX account. Transunion failed to investigate the dispute properly. 

I have attached the dispute I sent in XXXX of XXXX. 
I have attached proof of the {$0.00} balance for XXXX XXXX XXXX. 
I have attached Transunion 's response which fails to acknowledge the dispute for 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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-26
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Hello.Im contacting you in regards to my Direct Express Company.Im XXXX  on Supplemental Security Income and i get my check deposited every month with this bank On XX/XX/2023 i contact Direct Express customer service in regards to my card being lock they said that the wrong pin was entered a few times so they locked the card, they could not help me because i changed cell number and could remember my old number because the new cell did not match the records on file, so on XX/XX/2023 i send Direct Express proof of identity my ID and birth certificate, again they refuse to help me, they said to call the SSA and maybe they could help and this was the third time calling my local SSA office but SSA told me i have to deal with Direct Express directly, i will be going on 3 months now not being able to pay my bills and dealing with late fees.Please contact me in regards to this serious matter, Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX XXXX acct # XXXX, also XXXX XXXX XXXX XXXX 30 day late payment, and XXXX XXXX 30 60 and 120 day late payments has violated my rights. 

15 U.S.C. 1681 section 602 A. It also 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 withiut my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: JPMORGAN CHASE & CO.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 JPMorgan Chase Bank Consumer Relations Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Unauthorized Hard Inquiries on My Credit Reports Dear Sir/Madam of Chase , I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit reports, which I believe to be fraudulent and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that JPMorgan Chase Bank ( JPMCB ) promptly remove these inquiries from all three of my credit reports. 

Upon reviewing my credit reports, I discovered that two hard inquiries were made on XX/XX/2023, and XX/XX/2023, respectively. I would like to emphasize that I did not authorize these inquiries, nor did I have any prior knowledge of them. These unauthorized inquiries not only impact my credit score but also raise concerns regarding potential fraudulent activity. 

As evidence of these unauthorized inquiries, I have attached screenshots of my credit reports clearly showing the details of the inquiries. I kindly request that you thoroughly review the attachments to understand the unauthorized nature of these inquiries. 

Under the FCRA, consumers have the right to dispute any inaccurate or unauthorized information on their credit reports. According to Section 1681b of the FCRA, entities seeking access to an individual 's credit report must obtain the consumer 's written consent before pulling their credit records. As I did not provide authorization for these inquiries, I believe they are in violation of this provision. 

I kindly request that JPMCB immediately investigate this matter and take appropriate action to remove the unauthorized hard inquiries from all three of my credit reports. I also request that you provide me with a written confirmation once the inquiries have been removed. 

I trust that you will handle this matter promptly and in accordance with the law. If necessary, I am prepared to take further action to protect my rights under the FCRA. 

I look forward to your prompt attention to this matter. Please contact me at your earliest convenience to discuss the steps being taken to resolve this issue. Thank you for your cooperation. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
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:
My information was involved in a data breach via Equifax, and XXXX. I filed the proper affidavits, police reports etc., and submitted this information to all three consumer reporting agencies, however they refused to remove the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company, Capital One, reported me late for a fraudulent charge in XX/XX/2020. The company has since reversed the charges but has not corrected the issue with the credit bureaus. This is a problem and I need it corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
So, this is my second complaint about Chase Bank in 2 months. Same issue, same mistake on their end. Last time I was nice, was able to resolve myself with Social Security and I let Chase off hook, today I am livid. My 2nd stimulus was due. Now the IRS website did not become functional until XX/XX/2021. I checked, saw my stimulus check was sent to Chase XX/XX/2021 to a closed account. I immediately called Chase claims however they were closed and it was not even XXXX MST. I called first thing on the XXXX, XXXX sharp. I told the woman right up front in XXXX I opened a similar claim for a Social Security check and the claim was filed incorrectly. No worries she told me, she knew what to do. She saw the transaction, told me {$1200.00}, she got the trace number, it was rejecting, no problem opened the claim noted what account it would be deposited into, said give it a day, if any questions I would be called. I checked all day, nothing ever showed pending. On XXXX/2021/not seeing it in my account, I called Chase to see what happened. Well, they screwed up again and returned the {$1200.00} to the IRS. I could not believe this happened AGAIN. Im no stranger to banking, I worked for Chase for 26-1/2 years. I work for another financial institution now. I know the funds reject morning after and thats when the money needs moved to the other account. I called the Executive office, spoke with XXXX, what a joke, patronizing as XXXX. THEN I get an email alert with a letter advising as discussed nothing was done with the claim, funds returned to the IRS are you kidding me? As discussed my XXXX. Now maybe {$1200.00} isnt much to someone like XXXX XXXX but to me it was a lot. I am the sole provider right now for XXXX of us. My daughter lost her job due to COVID and her and my XXXX grandchildren came home to live with me. My oldest son has been quarantined 3 times, thats 30 days due to COVID exposure at his work. My youngest son is currently quarantined. We have experienced XXXX 4 times within my own family, brother, his wife, kids. You get the point. I contacted the IRS and maybe I will get a check, depends they need all this done by XX/XX/XXXX otherwise I can take as tax credit. A lot of good that will due. I divorced this year taxes are iffy and which one can claim it even though only I worked but he could beat me to it then I am SOL. So in the meantime I have {$200.00} in NSF fees, Big Bad Chase needs that money. Heck they probably got PPL. The rich get richer, the middle class is hanging by a thread. In addition to this complaint I am taking this to the news station. Once I can overlook, twice is incompetence. Time to clean house, maybe start with the head and go down, bit XXXX XXXX is too busy on XXXX XXXX to care about the peons..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07
Company: Aldous & Associates, PLLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was originally owed to XXXX XXXX and Alduos and Associates bought it. The amount owed was {$270.00}. On XX/XX/2020 I paid {$50.00}. On XX/XX/2020 I paid {$40.00}. On XX/XX/2020 I paid {$180.00} making this account paid in full. On XX/XX/2020 I called to ask for proof/receipt of my debt paid in full. XXXX said he would send that over. He sent an email with one payment missing. I called again and they said they would send an accurate one. They never did. My credit has not been updated and the balance actually went up even though they verbally verified it was paid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: TN
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 respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: VA
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 has reported I owe them money in the amount of $ XXXX.I do not know this company. I have never done any business with XXXX XXXX XXXX. This company does not have a contract with my signature. I would like to be provided documents showing my signature stating we have a business agreement to these terms in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 604 Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI 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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 kindly request a revision to my credit report, particularly the removal of the existing public record. I have enclosed the necessary documents to support this appeal. Your assistance is greatly valued

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 2018-07-04
Company: SECURITY FINANCE CORP
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2018 XX/XX/2018 XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX RAN MY CREDIT WITHOUT MY PERMISSION 4 TIMES AND I DIDN'T KNOW THAT THEY DID BECAUSE I'M JUST NOW ABLE TO SEE MY XXXX  REPORT AND IT DID NOT SHOW UP ON MY XXXX I ONLY INQUIRED WITH THEM ONE TIME AND THAT WAS LAST YEAR AND NOW THEY HAVE MY INFORMATION AND SEEM TO USE IT AS THEY PLEASE AND I AM NOT COMFORTABLE OR HAPPY ABOUT IT THAT IS NOT VERY PROFESSIONAL AND I WANT THIS TO BE HANDLED 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 2022-12-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: MD
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 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 non-monetary relief
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 filed a notarized identity theft affidavit to support my request. These accounts listed in my affidavit of fraudulent application do not belong to me and need to be removed.

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 2022-10-11
Company: DISCOVER BANK
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022 I was alerted that someone made an inquiry on my credit. I contacted support and told them it was a fraud. The company than started an investigation on it. On XX/XX/2022 the company reached out and stated that someone open an account under my name and SSC. The company on my behave explain the situation, flag the account, and are in the process of closing it. After speaking to the representative I was told to submit a fraud case through FTC.GOV. Somewhere in between I was redirected to Cfpb page, and now I'm typing this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
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:
When checking my credit report I have noticed that XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX or the company that they are collecting for. I disputed this debt with Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Transunion has failed to validate this Debt and continues to knowingly violated FCRA. Transunion gives me know options on their website to re dispute this debt as not mine. I recently received a response to a dispute on approximately XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation with XXXX. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this CFPB complaint. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

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