BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
this Person ( XXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to. Also, they have violated FDCPA unfair Practices and by law are liable to pay up to {$1000.00} for each violation under Civil liability.

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 2023-12-04
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The apartment community for my daughter reported a debt not owed to collections. I was advised they they had already asked that it be deleted from both our credit reports. I called collections and was told that they already sent the request to delete it fromour reports. The credit reporting agencies are still showing it on our reports. This is the account in question : XXXX XXXX Reported : XXXX XXXX XXXX  {$340.00} XXXX noticed the following unauthorized inquires are showing as hard inquires on my personal report : I also noticed the following unauthorized inquires : XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: AL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
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:
This Person ( XXXX XXXX XXXX XXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: TX
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:
i went to get a new car and the dealership put too many inquiries on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was in administrative forbearance from XX/XX/XXXX to XX/XX/XXXX. Fedloans forgot to apply it and then when I called in XXXX they put it retroactive But they submitted a late payment En XX/XX/XXXX and damage my credit. I send letters and they state we reported you before we apply the forbearance. And even when u forbearance was approved previously in XXXX, we cant fix the credit report. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I transferred {$50.00} via XXXX to obtain the facial services. However, the merchant provided the fake address. I chat XXXX to assist me to dispute the transaction. XXXX had me to contact my financial institution JP Morgan Chase. On XX/XX/2023, JP Morgan Chase gave me temporary credit {$50.00} while they were investigating the transaction. On XX/XX/2023, JP Morgan Chase reversed the {$50.00} and I called JP Morgan Chase that this was a fraud transaction because the merchant gave me a fake service address. JP Morgan Chase said that Chase doesnt offer assistance for XXXX transactions. On the other hand, XXXX told me that for transaction $ dispute, I should contact my financial institution. Thereforethis brought me to file the complaint via CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: VT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XXXX, I received an email from XXXX XXXX informing me of a significant hit to my credit score. I called my new lender to inquire as to the payments due. Upon investigation, I discovered that a loan I had applied for on XX/XX/XXXXXXXX  had not been finalized due to misunderstandings - we had thought it was completed and were waiting for our first loan payment through our new lender. 

I reached out to Chase JP Morgan to inquire and was informed that I was 3 months behind on payments. 

The overdue amount, including late fees, were paid promptly ( Tuesday, XX/XX/XXXXXXXX  ). However, our credit scores decreased by over XXXX points, each ( my spouse and I ). 

As both borrower and co-borrower ( spouse ), neither of us received any mail, e-mails, or phone calls informing us of late, or missed, payments until receiving a letter today ( XX/XX/XXXXXXXX  ), dated Monday XX/XX/XXXX. 

Had we been informed, by Chase, that we had missed the first payment, we would have immediately paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: JPMORGAN CHASE & CO.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear CFPB, I am writing to file a complaint against Chase Bank for failing to issue me a full refund for a fraudulent charge from XXXX. 

On XX/XX/2023, I was charged {$110.00} by XXXX for an item that I did not order. I immediately disputed the charge with Chase Bank. 

On XX/XX/2023, Chase Bank issued me a partial refund of {$19.00}. They claimed that the remaining {$100.00} of the charge was not fraudulent. 

I contacted Chase Bank again to dispute their decision. I provided them with evidence that the charge was fraudulent, including screenshots of the XXXX website showing that I did not order the item. 

On XX/XX/2023, Chase Bank called me and said that they had reviewed my case again and decided to issue me a full refund. However, I have not yet received the refund. 

I checked my Chase Bank account online and on my XX/XX/2023 billing statement, and I do not see any sign of a refund. I also called Chase Bank customer service and they confirmed that I have not yet been refunded. 

I am very disappointed with Chase Bank 's handling of this matter. They have failed to issue me a full refund for a fraudulent charge, and they have not been responsive to my requests for help. 

I am filing this complaint with the CFPB in hopes that you will investigate this matter and take action against Chase Bank. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received notification on XXXX XXXX that my account was closed. I called them on the same day, they said that it was likely a bug to be resolved within 48-72 hours. 
I called them about 5 days later, they said it was a bug and would resolve it. 
About 2 days after I called again and they said it was showing that it was due to a charge that had previously bounced - however that charge was related to a corporate/business account that bounced when XXXX collapsed and the company had to move accounts from XXXX. 
Also the account that bounced was for the business cards which AMEX left open, however, they decided to use that as an excuse to close my personal account. I have not heard back from them till date despite multiple promises to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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.

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 2021-09-22
Company: Synovus Bank
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I 'm not swayed that XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX. I sent in a loan payoff in XX/XX/2020. XXXX confirmed receipt but never paid off my loan. The funds were not applied to the loan balance. I called customer service numerous times as I was still receiving statements in XX/XX/2020 & letters with a mortgage balance. It is now XXXX & after numerous calls to customer service, I received an update on my credit history showing that XXXX reported a delinquent account. How can I be delinquent when the loan was paid off in XX/XX/2020? XXXX failed to process the loan payoff in XXXX. My credit needs to be corrected & I want evidence/confirmation that XXXX corrected it. I have excellent credit - over XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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 started a dispute early last year. I have postal documentation showing another dispute was received by the company on XXXX XX/XX/XXXX and ( Transunion and XXXX  ) XX/XX/XXXX. I received no response other than verified. I called Transunion on XX/XX/XXXX and spoke with XXXX at XXXX requesting further investigation under FCRA section 611. I spoke with XXXX at XXXX on XX/XX/XXXX at XXXX XXXX. I spoke with 3 reps ( ( XXXX, XXXX XXXX ) and was ultimately transferred to XXXX in special department at XXXX XXXX on XX/XX/XXXX. I asked for details other than just verified because there were still discrepancies for the XXXX XXXX XXXX account that was deleted on XX/XX/XXXX and reinserted without notice, XXXX, XXXX XXXX and XXXX XXXX. None of these accounts have been investigated properly. I asked for further investigation and received no response. It has been well past the timeframe allotted to update/modify or delete the accounts after a reasonable reinvestigation into the discrepancies.

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 2021-09-22
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-03
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXAcct XXXX XXXXXXXX, 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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
These are the companies that have inquiries on my credit report in which I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, Resident Verify- XX/XX/XXXX, Resident Verify- XX/XX/XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, US Department of Education-08/16/2022, US Department of EducationXXXX 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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX, XXXX. XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2021-11-14
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I have a fake inquiry on my report and I've contacted both the burea and company who did the inquiry and was told it was removed but it was somehow placed back on my report. Also there's items incorrectly reporting on my credit that aren't mines they were from a divorce they were removed from my report then somehow added back on, is there any way possible to look into this and see why these items were removed then somehow added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: DE
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 currently have this account under investigation this company is not following the CFPB rule and Guidelines, Truth In Lending Act rules and Guidelines, The U.S.Codes and or XXXX XXXX under Title 6. They have Committed fraud willingly and knowingly with XXXX XXXX XXXX. Attached are what they have done in depth. As this account is under investigation/ dispute this company is still reporting to the CRA and are still sending me Fraudulent Statements. This company disclosed nothing to me. This company has no License to do business in my state ( DE ). They are not backed by any government agency in the USA.

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