BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Notified that on XX/XX/23 and inquiry was made by Chase to my credit report. I called Chase XX/XX/23 and they confirmed an application for a XXXX credit card was made. I did not make this application. The customer service agent went ahead and cancelled and deleted the application. I asked for further details that were submitted on the application and the agent has referred me to a different place on their website to ask for this information through their identity theft process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Over the past few months I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. It has become clear that you are being willfully negligent in rectifying my affairs. 

These accounts could not be verified nor validated with XXXX. Therefore XXXX deleted it from my credit report. If this account is from the same creditor how are you able to verify and validate information that the other bureaus could not? By Federal law these accounts should be reporting consistent across all three bureaus, which it is NOT. Proof you have NOT done a proper investigation, FAILED to protect my consumer rights. You refused to correct this information which is a direct violation of FCRA 15 U.S.C 1681. According to Fair Credit Reporting Act ( FCRA ) everything on my credit profile must be accurate, verifiable, and if not that information must be deleted.

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 2020-03-19
Company: Experian Information Solutions Inc.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Exprian has disregarded my attempts to correct my report, ive paid off all of my credit cards in full and spoke with the company an verified that they have reported it to exprian, upon opening a dispute i called an was hastly told there is nothing i can do and that it will update when it updates, this was extremely unprofessional and rude. 
The same day i received a email saying the accounts were verified with my card company and that the reports will stay the same that is simple not yhe truth.

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 2023-09-02
Company: EQUIFAX, INC.
State: CA
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:
Hello I have tried to fix the issue with XXXX and as well as all the credit Bureaus.. and No one has helped me with this issue.. 
The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and the last date active is inaccurate, and the date last reported is not accurate. this is grounds for removal they also violated my rights under. 

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

15 U.S.C 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 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. 

I have evidence of 11 different violations from XXXX, XXXX, and Equifax. That I will provide in docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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 fraudulent accounts on my credit report, which I reported to XXXX XXXX  XXXX, yet XXXX XXXX XXXX is not removing this fraudulent account. BANK XXXX XXXX has no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX  has refused to do this. The followings are the fraudulent account : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} and XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} that were opened at an address which I have never lived at and it has nothing to do with me. 
The fraud address is the following : XXXX XXXX XXXX UXXXX XXXX XXXX XXXX XXXX CA 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 2023-05-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ] XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Collection Account - Violation of FCRA Laws in South Carolina Dear Sir/Madam, I am writing to formally dispute the collection accounts associated with my credit profile that your agency has reported. I believe that these accounts are in violation of the Fair Credit Reporting Act ( FCRA ) laws in the state of South Carolina. I request that you investigate the matter and take appropriate actions to correct these inaccuracies and violations. 
Repossession Dispute : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 

According to the FCRA, all information reported to credit bureaus must be fair, accurate, and substantiated. I request that you provide me with detailed documentation regarding the repossession, including : Documentation showing the repossession process adhered to all legal requirements and notice provisions as mandated by South Carolina law. 
15USC6802a 15USC6802b 15USC6802c 15USC6092c ( c ) I would also like to bring your attention to the fact that the FCRA requires collection agencies to inform consumers about their rights to dispute inaccurate information. I request that you provide me with the following : Written confirmation that you have initiated an investigation into the accuracy of the repossession account. 
A copy of the results of your investigation once it is complete. 
If the repossession is found to be inaccurate or unverifiable, please provide written confirmation that the account will be removed from my credit reports.

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 2020-03-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XX/XX/XXXX, being XXXX years old, I filed for chapter XXXX bankruptcy for the first time in my life, after losing my job with XXXX XXXX in XX/XX/XXXX due to illness, which I was finally approved for Social Security XXXX in XXXX, retroactive back to when I lost my XXXX XXXX XXXX. 
Just prior to losing my job, I bought a new XXXX XXXX XXXX on XX/XX/XXXX, financed by XXXX  XXXX XXXX. I have continued to make my {$550.00} per month payments on time. Since XX/XX/XXXX, XXXX XXXX XXXX removed my online access to my car loan account, and stopped reporting my on time monthly payments to the 3 credit reporting bureaus. I have called XXXX  XXXX XXXX bankruptcy customer support 3-4 times since my chapter XXXX bankruptcy was discharged in XX/XX/XXXX, although my XXXX  was never included in the bankruptcy filing. 
Even though my chapter XXXX was discharged in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX still refuses to reinstate my online loan access, and even more importantly, reporting my monthly on time vehicle loan installment payments. XX/XX/XXXXXXXX XXXX also still has my account misclassified with the credit bureaus, as chapter XXXX and closed.

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 2023-09-03
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX noticed an authorized inquiry on my credit report delete immediately. I have attached supporting documents. 1. XXXX XXXX Date of inquiry : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to you requesting that you remove FCO from my credit report. FCO is a third-party collection agency. Furthermore, I never lived in XXXX XXXX. I lived in XXXX, which XXXX XXXX purchased ; by the time XXXX bought XXXX, I had already moved out. XXXX XXXX sold the debt because they could not pursue something not owed to them. Also, this rent occurred during covid, which was not that amount ; They inflated it. I am asking the CFPB to look into this, as I feel it needs to be investigated.FCO is a third-party collection! The state of New Jersey does not allow Covid rent debt to be sold to third-party collections XXXX was going to pay the balance to XXXX, but I moved before they could because the landlord kept pressuring me to move, and once you move, XXXX would not pay it off. This should not be on my report. 

XXXX XXXX XXXX  Respectfully, 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 2023-05-28
Company: Experian Information Solutions Inc.
State: MD
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 was examining my consumer report and saw an account of US DEPT OF EDXXXX with informing the law in pursuant to 15usc1681a ( d ) ( 2 ) ( ii ) if the account is being verified as accurate from the 3rd party debt collection agency then there had to have been communication involved which is prohibited from consumer report. This is a violation of the fair credit reporting act, any communication from this account from other 3rd party corporations is in violations of the fair credit reporting act and is in violation of my privacy. I also see Experian is censoring me by not allowing me to dispute this account any further through online. I can not trust Experian enough to dispute through phone call because they could be misconstruing my words incorrectly. Please remove this account from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2020-03-18
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Sam 's credit card- Sam 's has lowered my credit limit on my card without giving me any reason. I have never missed a payment and recently got the card and had a XXXX dollar credit limit which they lowered to XXXX and now I have other creditors giving me small credit limits of XXXX and XXXX dollars. This is not good for my debt to ratio. My credit limit was in the 700 hundreds and now has dropped do to this fact. I need my credit card especially during this time with this virus in America.

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 2022-03-27
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
This company is sending me email about some promo offers. I do not want these offers. I feel this company is trying to trick me into spending money and using their site. I've unsubscribed from these emails MULTIPLE times. I do not want these. I am still getting them. I have attempted to email the company to have them remove me from these harassing emails, and those emails have been ignored. 
All I want is for these harassing scam emails to stop from this company like I have requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit reports : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank closed my accounts stating that I missed payments, I have my account since 2014 and was always on autopay, one time I changed bank institutions and one time the auto payment was rejected, I fixed that right away but they decided to close my account, my payment history has no missing payments since those years, I think they have an alternative motive to close customers accounts

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 2020-03-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I received emails from paypal alerting me of two transactions ( {$140.00} USD each ), I made no such transactions. Knowing that my paypal account is compromised, I called paypal customer service right away and submitted my appeal for these two fraud transactions. 
On XX/XX/XXXX, I also notice that the hacker has changed my primary payment method to be my checking accout, and I got a large number of random emails, which I guess now that it's from the hacker trying to flood my email inbox. 
On XX/XX/XXXX, paypal sent me back an email claiming that without enough evidence. they deemed these two transactions are valid, and let the payment go thru successfully. 
On XX/XX/XXXX, I called customer service again ( since I couldn't get to an agent the day before ) and appealed one more time that these two transactions are fraudulent and not by me. I also mentioned to them I think this appeal process is not reasonable. If paypal doesn't have evidence, and the account owner submitted a dispute, shouldn't the action be to cancel the transactions, at least have them pending. 
On XX/XX/XXXX, I also called XXXX XXXX, which is what the transaction is made to. Apparently, the thief/hacker bought two pairs of shoes from XXXX XXXX, and sent it to my old address from 2 years ago ( I haven't lived there for 2 years, it's in a different state half way across the US. ). I asked XXXX representative to find these two transactions and maybe cancel them from his side. But he couldn't look the orders up with my email or phone number ( which are the only two ways for XXXX to track their orders ). Maybe it's some hacking that made it seem like the money went to XXXX and in reality the money went to the hacker somehow. 
on XX/XX/XXXX, I get a notification from paypal that they have deemed my transactions to be unauthorized transactions.thinking that they have resolved the issue, I wait till the money get refunded to my bank account. 
On XX/XX/XXXX, I checked my bank account and no refund still. So I went to check paypal 's resolution center and see that actually they deemed these two transactions as valid transactions, and deemed my appeal to be an invalid one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-09
Company: Ditech Financial LLC
State: ID
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:
I had a foreclosure on my home in XXXX. Ditech reported it on my credit in XXXX XXXX. The charge-off is past the statute of limitations. We tried to purchase a home a year ago, but could not. XXXX XXXX XXXX contacted Ditech telling them this debt ( charge-off of {$35000.00} ) was too old and needed to be removed. They refused to remove it, stating we had made payments in XXXX, XXXX and XXXX of that year ( XXXX ). We were unable to purchase a home due to their fraudulent claims. <P/>I disputed it with XXXX and thankfully they removed it. I have tried to dispute with XXXX ( XXXX XXXX ), but  Ditech reported we never missed a payment from XXXX to XXXX and we make payments on the loan every 3-4 months. They have not reported to XXXX any payments received by me, but the total amount is still on that report. <P/>We have received settlement opportunities from Ditech in the mail with the original amount of {$35000.00}, with a settlement offer of {$30000.00}. If they have reported we paid faithfully from XXXX, how is the loan the same amount? Clearly, we have not made any payments whatsoever to them since the foreclosure. I have documentation through my banking that no payments have been made to them. Since there are too many bank statements in a 7-year period to upload for this claim, we are asking that Ditech show " proof '' of my supposed payments to them. <P/>At this point, we are going to have to seek out legal counsel, which would be a hardship to do. But, this has prevented us from purchasing a home, paying high rental rates to rent a home and higher interest rates on everything unnecessarily for the past 3 years. This has been so frustrating and devastating to our family not to be able to own a home after 10 years. We are asking to please offer any kind of solution on how to get this resolved as quickly as possible. <P/>Thank you so much for your time with this sensitive matter. We would greatly appreciate any help. <P/>Sincerely, XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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