BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I request a credit report from a different bureau every 4 months. I was unable to receive one from Equifax. On XX/XX/2021 I sent a letter to XXXX XXXX at the address listed on your " contact us '' web page explaining this issue. This letter was returned as undeliverable. The Post Office confirmed to me in person that this address does not exist. Please view attached documents for detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX 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 2023-07-20
Company: EQUIFAX, INC.
State: NC
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 personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed belong to a family member but I myself never resided at the following addresses : XXXX XXXX  XXXX XXXX XXXX XXXX OH, XXXX, XXXX  XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX CT XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX  XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX. 
I found incorrect spellings of my name on my credit file. My name is spelled XXXX XXXX XXXX please remove any other spelling or variations of my name they are not correct.

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 2023-08-17
Company: EQUIFAX, 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:
My credit report is showing late payments on 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. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The Chase Credit Card Company is running a scam! They overcharged me {$820.00} this month, and when I went to check my charges ( like I do every couple weeks ), I caught this. Last Monday I submitted a request to get this refunded back into my bank account, and they said I have to accept an email that will arrive in 48-72 hours... I set an alarm on my phone to check everyday, and after almost a week of not seeing anything, I checked one last time today, and sure enough they sent it at XXXX last night, with an expiration to accept the money by midnight TONIGHT or I wouldn't be refunded!!! This is an unacceptable solution to a mistake THEY made. If I didn't check my email between XXXX ( like they were probably hoping I would forget ), I wouldn't get my money back! I also spoke to a customer service representative today before checking my email one last time, and he said to just keep checking this week ( knowing that there's an expiration/time-limit to receiving this email )! This is WRONG. How many other people are they doing this to?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: NY
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 name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX 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 explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2020-03-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I deposited a check for {$4300.00} at my ( Chase ) bank 's ATM. I normally would have taken a check that size into the bank branch but we are supposed to be practicing " social distancing '' due to the coronavirus pandemic. Since I have never bounced a check or overdrafted my account AND the same person had written me a check 10 days before that had cleared - I assumed that there would be no problem. I was notified that a hold would be put on the check until XX/XX/XXXX. The check was from an account at a local bank. 
On XX/XX/XXXX, I was notified that the check was on hold until XX/XX/XXXX. 
I contacted the client who had written the check to see if the check had cleared her bank. 
She confirmed that the check had cleared and the funds had been withdrawn from her account on XX/XX/XXXX. 
I called Chase Bank on the morning of XX/XX/XXXX. I was put on hold for over an hour. 
When I finally spoke to a customer service representative, I was told to go to my local Chase branch to sort it out. However, I live in Michigan and the Governor had just issued lock down orders for the entire state so my bank branch was closed. I explained this. I explained that the funds had already been released to Chase by the local bank from which the check had been written. Chase had the full {$4300.00}. 
I was told that Chase was holding the funds for a " secondary review ''. The representative refused to explain why. I was told that I would not get my money until the following week. 
That leaves me with {$140.00} to pay my bills and buy food for the foreseeable future - I am not confident that the money will be released at all at this point since there was no reason to extend the hold order in the first place. 
Let me repeat : the check had already cleared the other bank and Chase was in possession of the funds with no reason given as to why I could not access the money other than some vague reference to a " secondary review ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2020-12-28
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/2020 I went to the BB & T Branch located at XXXX XXXX XXXX, XXXX XXXX, SC XXXX. I was instructed by the coordinator at XXXX XXXX to make a deposit payment in the amount of {$4200.00} for an upcoming XXXX on XX/XX/2020. While trying to make the deposit into the account number that was given at the time, I was told by the teller that that particular account could not take deposits at the time. I had a personal check for part of the payment and then a cash, I was then told that because I didn't have an account there I was not able to make a cash deposit. So for the remainder I had to go to my bank which was XXXX XXXX and get a cashiers check in the amount of {$2800.00}. I still had problems when I got back so the branch manager XXXX XXXX called the owner of the account and told her that I was trying to commit fraud on her account so she then instructed her to close out that account ( which this was after I had already made the deposit into her account ) and get a new one, I had Seduction on the phone with me while I was there. so once payment was made the company kept saying I sent it to the wrong account which I sent it where they told me to. so not hearing back I called my bank to stop payment on the checks and was told I could only stop payment on the personal check and not the cashiers check. Now XXXX XXXX has my {$2800.00} and keeps saying that she never received it, which the branch manager said that she received the money into her account. Had it not been for XXXX XXXX being prejudice and pre judging the transaction, none of this would have happened. XXXX XXXX XXXX made her think I was a fraudster and I'm the one now without XXXX and money back. I feel that BB & T branch manager XXXX XXXX should talk to her so that she can return my money because she knows it was put into her 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 2023-08-17
Company: EQUIFAX, INC.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I applied for a credit limit increase with AMEX and was not notified of a decision until I contacted them via phone on XX/XX/XXXX. I was informed by a customer service representative that according to the notes, I had been denied due to XXXX or more of my accounts or loans being in a debt relief program. I told her that was not true because I'd never participated in a debt relief program and I didn't have any loans either. She said they pulled my XXXX credit report and upon purchasing all XXXX credit reports after the call I found out that AMEX never pulled my credit to approve me for the credit limit increase. When asked how that could be I was given the run around for XXXX hours being placed on hold and transferred from supervisor to supervisor still not getting a resolution. I was also told by a supervisor that they were not credit report experts and they were not allowed to give me that info over the phone and he could not further assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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:
The Equifax breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. XXXX XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. Bank XXXX XXXX XXXX XXXX violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/XXXX I woke to find my car had been vandalized. Stolen from my vehicle was personal property and my wallet. upon finding my wallet was stolen I made appropriate steps to get a duplicate license and cancel my bank cards. Fast forward to XX/XX/XXXX I was summonsed to court about a credit debt that I knew nothing about. I called the courthouses and Midland credit in an effort to ascertain anything that said I opened the account. XXXX XXXX  claimed the account was opened on XX/XX/XXXX but when I asked for something with my signature on it they said the no longer have the information as it was passed on. I then called Midland Funding who could not provide that either that the courts had it, so I contacted the courts and they don't have it either. I was also told that a payment was last made on XX/XX/XXXX so I asked for any information on the payment ( ie check, bank etc ) and nothing could be provided as well. I do not remember opening this account and simply have asked for any proof that it is mine. No one could provide any of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-10-18
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a low income minority customer. I went to XXXX XXXX XXXX in XXXX XXXX, CA. They high pressure steered me into a XXXX  XXXX XXXX, which was worth $ XXXX at best. They had me finance $ XXXX. 
Here 's the problem : I make {$15.00} an hour and they lied on my credit application and said that I make $ XXXX per year in order to get me approved for a 25 % interest subprime loan with Santander Bank XXXX Yes, the dealership lied about my income to get me approved for a loan. On top of that, turns out Santander is in on the whole scheme. Santander 's business model revolves around issuing predatory auto loans that their own data shows 70 % of customers will default on. Their own data shows they are ruining the lives of minority customers. Santander is fully aware that dealers routinely lie about their customer 's income to get them approved for these fraudulent loans. 
Both the dealership and Santander are engaging in abusive harmful practices. The CFPB must act and shut Santander down and sue these car dealers that are pushing their customers into abusive and fraudulent auto loans.

Company response to consumer: Closed with explanation