BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been a victim of several data breaches and I ended up having inaccurate and unauthorized accounts listed on my credit report. Therefore, I submitted an FTC report to each of the bureaus listing all accounts that didn't belong to me. some accounts were removed but others weren't and the bureaus failed to notify me of the investigation results. I also sent in a letter asking for the steps they took to verify the accounts and they failed to respond. I feel like im being taking advantage of and this is severely ruining my life because these accounts are inaccurate nor do they belong to. I need all of these accounts removed 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 non-monetary relief
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Id like to file a complaint against TransUnion for violating section 611 Of the FCRA. I filed a complaint with TransUnion for reporting inaccurate information. TransUnion verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both TransUnion and all the data furnishers listed below the required letters & I have not received anything from any of the companies. Ive further sent TransUnion request to remove these items for lack of response & theyd ignored my requests to remove the tradelines which I know are inaccurate. TransUnion is now violating section 611, 609 & 623 & Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation. 
DEPTEDXXXX  XXXX Balance {$6800.00} DEPTEDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX. XXXX, XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX BANKRUPTCY DISMISSED Reference Number XXXX Filing Date XX/XX/XXXX XXXX  XXXX BANKRUPTCY DISCHARGED Reference Number XXXX Filing Date XX/XX/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 2023-10-20
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was on athletic Scholarship for basketball everything paid for I didnt take out no loan for books school supplies nothing I did and got all my info studying online and I finished the school and didnt fail no class when I finished they still charged my XXXX on my credit report that I dont owe and its messing up my credit score and not being able to get funding for my business and llc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/22, there were 18 fraudulent withdrawals made on my savings account from two Chase branch ATMS ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) 8 withdrawals of {$20.00} each 4 withdrawals of {$40.00} each 4 withdrawals of {$100.00} each 1 withdrawal of {$200.00} 1 withdrawal of {$500.00} Total : {$1400.00} I immediately reported these transactions as fraud to Chase that same day ( I am a customer ) I also filed a police report with the XXXX Police Department. Chase denied my claim, as according to their records, the transactions are listed as coming from the XXXX XXXX on my phone. I was home that entire day with my phone and debit card and have never lost or had my debit card or phone stolen, nor have I knowingly given anyone else the log in credentials to my phone or debit card info. 

I have worked with Chases complaint escalation department and they continue to refuse to refund this money. I have also gone into the branch at XXXX XXXX XXXX XXXX and had the branch manager speak with them. Chase has also have refused to review the surveillance footage ( that they own ) from their ATMs where this theft occurred. They have told me I need to work externally to get access to this. If they reviewed the surveillance footage they would see that it wasnt me who made these transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear LEXIS NEXIS, I have previously disputed a public record with your company. after the investigation your company, Lexis Nexis remove the item from my profile, However I have disputed the item with XXXX several times and each time I am told that Lexis Nexis certified this item is verified as correct. I have attached Response 1 and Response 2 from lexis Nexis showing the removal of the items, but I'm continuously told by XXXX that Lexis Nexis is confirming that this item should be on my credit file. Please communicate with XXXX letting them know of the removal from prior your investigations into this matter. 

Please Ensure my name reads as ( XXXX XXXX ). 

*For some reason in your second response you have my name misspelled ( XXXX XXXX XXXX XXXX ( XXXX XXXX ) - Account in question. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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:
I filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US Dept of EdXXXX 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 2023-10-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
Dear Sir/Madam Recently, we went to Truest bank and worked with XXXX XXXX XXXX XXXX a HELOC. She gave us information on rates, types of different information on the loan, and the information she required of us. We shared with her that we were going to sell our home and use the money and the money we were borrowing to build a new home. Never did She mention that there was a pre-payment fee if we close on it before three years. Never did she share that that fee was {$4900.00}. We are not stupid people though we are in our XXXX, we would not have opened that XXXX had we known it would be required of us to keep it for three years. At the closing XXXX went over each page and never told us about the pre-payment penalty. We were given a loan, which we did not use, and began building our home. We also put our present home on the market for sale by owner, and sold it in approximately 10 days. Shortly there after my husband spoke with the manager of the XXXX Florida branch of XXXX about dunning notices for an insurance policy they wanted placed on the home on which we had had the HELOC. We ended up sending them 4 letters explaining we no longer owned a home and did not need homeowners insurance. The manager of the XXXX branch then told my husband that we were now responsible for up to {$8000.00} because we sold it in less than three years. Hearing that we went to XXXX XXXX, XXXX over XXXX XXXX, and asked if that was so. She told us that yes we were responsible for {$4900.00}. We explained that we were never told that. We also told her about the XXXX department that was threatening to buy insurance on the home we no longer own if we did not buy it immediately. They did buy the insurance as a matter of fact, and we had to complain to her again after we had already 1 Closed the loan 2. Filed a request to lower the penalty for selling our home early because we did not know about the penalty XXXX. Paid the {$4900.00} for. 4.Offered to open a HELOC on the home we had moved into while we built. They did actually charge us for a homeowners insurance but it was finally removed. They never told us they had done that we found it out when we opened our mail. We are writing to you to request your intervention and make XXXX return our {$4900.00}. We feel we are entitled to this refund for the following reasons : Number XXXX we were never informed about the penalty, despite at least XXXX trips to the bank to set up the XXXX Two as you can see, there was poor communication between XXXX departments which contributed to the mistakes that cost us money. 
XXXX at no time was XXXX XXXX made available to us to discuss her error. 
XXXX at no time was our problem addressed by the corporate branch though we ask that that be done.

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 2022-10-12
Company: Fidelity National Information Services, Inc. (FNIS)
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX hello my name is XXXX XXXX XX/XX/XXXX I just received a letter in the mail from Chex systems stating that I owe XXXXXX/XX/XXXX{$4100.00} unpaid and have humiliated me when applying for 47 banks and being denied this is truly defamation. just got off the phone with XX/XX/XXXXXXXX they said they don't have a transaction record showing me withdrawling a dime out of a check deposit of {$4100.00}, but is listed as account abuse and unpaid I need to be compensated for the humiliation and denials and traveling to and from banks getting denied I can't even co-sign for my XXXX son Please help I'm asking this be removed from my Chex systems report Sec. 623. ( A ) Reporting information with actual knowledge of errors.A person shall not furnish any information relating to 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 2021-01-07
Company: Keynote Consulting, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT.

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 2021-01-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Chase Bank Financing. I spoke with a Chase  rep on XX/XX/XXXX who offered me until XX/XX/XXXX ( car note due date ) to make a payment on my loan which would have made me eligible for a forbearance where the 2 missed payments are placed on the back of my loan. She stated the payment must be made on the XXXX otherwise it would roll over into next month 's payment and the forbearance would not apply. She acknowledged I had good history with making my car payments until recent. I agreed to make a {$370.00} payment on XX/XX/XXXX via online payment to qualify for the forbearance. Instead, on XX/XX/XXXX, I received a notice that Chase had accelerated the loan and was demanding full payment. On XX/XX/XXXX Chase locked my loan account so no payments could be made online and it remains locked to this day. They demanded full pymt via a branch or XXXX XXXX which is ludicrous considering Covid. I have a recording of the call which Im sure Chase does as well. 

Not sure if this was suppose to be a scare tactic but it is very aggressive and shady behavior which may also be motivated by prejudices against minority customers. Chase is attempting to force a repossession instead of following through with special lending options meant for all debtors. I should not carry the burden of the Chase representative giving misleading or bad advice ( if that was the case ). 

Please note : no correspondence from Chase provides a full accoumt number but I have provided a notice with some PII to search my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
VENMO BANKING SCAM- NOW ATTACHED IN BOTH EMAILS HERE ARE ABOUT 20 DOCS THAT SHOW VENMO ROBBED ME- MISPLACED MY MONEY - PUT IT IN THE WRONG BANK AND THEN, WITHOUT AUTHORIZATION, {$1400.00} OF MY MONEY FROM A XXXX XXXX CREDIT CARD - LINKED TO MY BANK ACCOUNT - AND THEY SENT IT TO XXXX XXXX WITHOUT MY CONSENT. I ALWAYS PAID XXXX XXXX THROUGH CHECKING- I HAVE NEVER PAID A BILL THROUGH MY BILL PAY BY WAY OF ANY CREDIT CARD IN THE HISTORY OF MY LIFE. THIS WAS A DELIBERATE AND ILLEGAL INVASION OF MY ACCOUNT - BECAUSE IT WAS LINKED. 

SORRY - FOR ALL CAPS But I am XXXX. 

So, now I have {$1400.00} my XXXX XXXX XXXX  's Checking account and have called VENMO and told them to fix it ASAP - they have put the money into the wrong checking account. It's in the wrong account and I have a landlord who lives in XXXX! Since VENMO had wrongfully taken {$1400.00} from my XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Credit CARD on file - WITH XXXX XXXX- NOT- I REPEAT- NOT with VENMO. THEY ACCESSED THIS XXXX XXXX CREDIT CARD THROUGH MY XXXX XXXX  CHECKING - WITHOUT PERMISSION and just charged {$1400.00} on it. So I took the money they put in my XXXX XXXX account and paid it ALL to XXXX XXXX XXXX- the card THEY USED without my permission for this exact amount. 

Now Venmo tells me I owe them - XXXX. I try to call them over a dozen times. They refused to answer and out of 12 calls I was purposely disconnected nine times. They are trained to hang up on the customers- under the idea that these people will give up and just go away. I texted them in CHAT dozens of times and only kept the attached conversations, but I went crazy. They dragged this out for months and harrassed me via MULTIPLE texts- OVER 100 OF THEM- but would not respond with a single human being. They ran me in circles and refused to close my account. 

Now they are well KNOWN FOR THIS KIND OF theft - taking money repeatedly from people I know- and then telling those people they can not get their money back- they say I have it. I do not have it. It's in a locked account that these criminals are making interest on every day. 

They have no intention of making right on what they did. Two of my clients, XXXX XXXX XXXX ( PhD head of Covid research in XXXX, and XXXX  from XXXX, XXXX XXXX XXXX have both had their MONEY TAKEN BY XXXX STOLEN XXXX XXXX XXXX then sent {$700.00} to my Venmo Account 2 months ago and they stole this money too. They REFUSED to give it back to XXXX XXXX and refused to release the money to me. They refuse to even answer a phone call or respond to anything in their chats. They have driven me to the point of rage, depression and they have financially destroyed me with both of the these malicious acts of outright theft. 

NOTE : This is a XXXX owned bank and they should not be able to do business in XXXX. They are targeting and robbing the American people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I financed my car originally through my bank, XXXX XXXXXXXX XXXX. I dont know why my car loan history has dropped off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I financed my car originally through my bank, XXXX XXXXXXXX XXXX. I dont know why my car loan history has dropped off my credit.

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 2021-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed bankruptcy in XX/XX/XXXX in which Capital One was included as a part of my debt. The bankruptcy has been discharged, but Capital One has continued to report on my credit report as late, it was reported to XXXX as late on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. That information if not correct, they should have no longer been reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: TX
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:
I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
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: 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 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 2021-01-07
Company: Advantage Collection Professionals, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a complaint against the XXXX company, they say they sent the validation letter in 2020, but so far there is no letter that their legal department will be in charge. Are they suggesting that they will send me to court? 
In the absence of validation and violation of the FCR, remove this account from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Rocket Mortgage, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2021 i talked to an agent which promised to provide you me with a loan using soft inquiry on my credit report. once i handed him my information they ran my credit and they never gave me the type of mortage i wanted to for a home or so. i tried contanting the company XXXXROCKET MORTGAGE L XXXX and they didn't wanted to help me remove the inquiry on my credit report even when i told the agent that i never allowed the agent to run a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
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:
I have sent my dispute letter to TransUnion and XXXX Informing them of the inaccurate information being reported. I have never given my permission to furish the company on my Credit Report. PLEASE REMOVE immediately 1 ) XXXX XXXX / XXXX XXXXXXXX XXXX XXXX Account # 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 2023-10-07
Company: EQUIFAX, INC.
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation