BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: NAVY FEDERAL CREDIT UNION
State: IL
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:
I am trying to get my vehicle perfect payments back on my credit profile I noticed that it mysteriously disapeard after yelling out of anger at a Navy Federal repXXXX All I am requesting is that they ad the account back to my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: JPMORGAN CHASE & CO.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I received fake wiring instructions to have my client XXXX XXXX wire funds to a XXXX XXXX XXXX, XXXX XXXX. The wire directed my client to forward those funds to XXXX XXXX XXXX XXXX XXXX. I forwarded these instructions to my client who wired {$34000.00} to JP Morgan Chase with this name on the account and account number XXXX. This account was actually in the name of XXXX XXXX XXXX, not the XXXX XXXX name. Those funds went to the XXXX account instead of the Trustee and XXXX subsequently closed the account. JP Morgan Chase refuses to discuss the issue and I subpoened the deposit account information which I am attaching. They have no one to speak to and have stonewalled my requests to speak to their in house counsel. I have had to reimburse my client for the funds fraudulent stolen from him. The bank should never had deposited the funds in an account that did not match the name on the wiring instructions. They have refused to do anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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: Account information incorrect

Complaint:
I contacted XXXX regarding the misinformation that is currently reporting to my account. They assured me that they are reporting info from their records to the reporting agencies. I am uploading documents showing proof of the inaccuracies that are affecting my credit. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account # : XXXX and 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 an 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.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit went from. Good to poor, due to identity theft, in last 8 months. All federal XXXX XXXX, loan, and ssdi 'missing ', and it seems like XXXX XXXX  would prefer I XXXX  rather than help me- just judging from their continual XXXX of my supposed character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
There are XXXX erroronus, dismissed XXXX XXXX bankruptcies being reported on my XXXX, XXXX and TransUnion credit files. The bankruptcies were filed on XX/XX/21 ( filing # XXXX ) and XX/XX/21 ( filing # XXXX ). I have disputed these bankruptcies with XXXX, XXXX and TransUnion multiple times and they have responded " verifying '' the bankruptcies through the bankruptcy court and also through the third-party vendor, XXXX. Since, I have reached out directly to the bankruptcy court and they responded with a letter stating that the BANKRUPTCY COURT DOES NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. Please review the attached letter from the court. Then how could they have verified the bankruptcy through the court? The letter sent by the credit bureaus also states that they receive public records information through the third-party vendor, XXXX. So I disputed the bankruptcies with XXXX and they responded by removing both bankruptcies from my XXXX file. Please see the attached Letter from XXXX and also a copy of my new XXXX Report. These bankruptcy have severely damaged my credit with my credit score dropping over 200 points and also having ALL of my credit cards terminated. This has been a nightmare!! The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted 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 2021-05-27
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2021, I initiated a dispute for the amount of {$89.00} for products I purchased at XXXX XXXX in XXXX, NY. Approximately two weeks later, I attempted to return the purchased merchandise for the stated value above. The merchant declined to refund my purchase, even though the merchant 's refund policy clearly stated that full refunds were possible up until 30 days since purchase. This return policy can be found at the following website : XXXX XXXX XXXX XXXXXXXX & XXXX & XXXX : XXXX & XXXX & XXXX Citibank says they have investigated this dispute and marked the dispute as closed on XX/XX/2021. Citibank then reversed the disputed {$89.00} credit that they had temporarily given me. They have not provided me any reasoning or rationale for the reversal of the credit. When trying to access any documentation about the dispute, I am unable to locate anything. I have reached out to customer service to inquire about this, but unable to get any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit went from. Good to poor, due to identity theft, in last 8 months. All federal Pell grant, loan, and ssdi 'missing ', and it seems like XXXX XXXX would prefer I XXXX  rather than help me- just judging from their continual XXXX of my supposed character.

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 2022-12-06
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/22 I obtained my credit report from XXXX. I noticed that there are XXXX fradualent inquiries on my credit report. I contacted XXXX  to have these fradulent inquiries removed but they have not done so. I am asking that the consumer protection agency office assist me in getting these fradulaent inquiries removed. The fradulent inquiries have resulted in me being denied credit for a new auto loan and a apartment.

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 2023-06-21
Company: EQUIFAX, 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:
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  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 an 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 2022-10-16
Company: Experian Information Solutions Inc.
State: NJ
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:
This is a repeat of Complaint XXXX, which Experian did not completely respond to... 

I have attempted to correct this FALSE information for two years, with eight written requests. 

See the LARGE numbers of FRAUDULENT information that is still on my report. The number of fraudulent items to be REMOVED from my credit report are listed after each item below ( X ). 

Fraudulent information on my credit report is still present ( see attachments to this complaint ; ALL incorrect information is marked with an X ) : -- Hard ( XXXX ) and Soft Inquiries XXXX XXXX XXXX that only pertain to the fraudulent information that was supposed to be removed. 
-- A large amount of personal & other information that is not mine : Names ( XXXX ), addresses ( XXXX ), social security numbers ( XXXX ), birth date, telephone numbers ( XXXX ), Spouse/co-applicant ( XXXX ), Former/Current employers ( XXXX ) and Notices ( XXXX ). 

ALSO : Security questions to verify my identity on XXXX are fraudulent- they are from account information that Experian stated they have removed, per the complaint number above. 

NOTE : I have only had a single legal name in my lifetime, and have lived at my current address for XXXX XXXXs, and only have a single social security number. 

NOTE : I have opted out of remediation for dispute resolution, per written notice to Experian in 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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my formal complaint to Transunion I sent a letter last XX/XX/2022, to them regarding the unauthorized inquiries reflecting on my credit report and I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-05-10
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: Account status incorrect

Complaint:
XXXX XXXX XXXX told my ex husband that I would be removed as a co-signer from his mortgage when he modified the loan without me post divorce. He waited per their request to submit the finalized divorce paperwork along with the modification so that he could stay in the house on his own as he was previously. I was removed from the mortgage ( attached ) and I was removed from the deed. XXXX, however continues to keep their account on my credit illegally. Nothing has my name on it any longer and I have no responsibility to the home anymore. XXXX has refused to offer any assistance and continues to report as an open account on my credit causing me additional financial harm and emotional distress. I consulted an attorney and I was told that it was a mistake and they need to correct it. I have attached all the paperwork I have.

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 2022-12-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving repetitive calls from THE DELEGATES GROUP to collect dept that has been already paid. They have called my family and my empllyer to obtain information. They are rude and very pushy on the phone not even introducing themselves professionally. When I asked for a debt collection request through mail they refused to provided it. On multiple occassions they said they have Comenity bank on the other line but never connected me with them. They ask personal questions that a debt collector should not be asking. When I asked that they do not bother me while I am at work they were rude and refused to call after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Trans Union, XXXX  and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2023-06-06
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: Old information reappears or never goes away

Complaint:
I have contacted Transunion to remove XXXX XXXX XXXX collection from my credit report because of the FDCR LAW passed by congress and 15 U.S. code 1666B,15 U.S. code 1666, 15 U.S. code 1681B and 15 U.S. code 16681A. or provide proof that this account is mine. Transunion or XXXX XXXX XXXX failed to do so therefore this closed, written off account should be removed from my Transunion credit report immediately. 
Thank you.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 U.S.C. 1681. 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. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section2 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 and 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 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 2023-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive a validation letter or any other communication from the collection company XXXX XXXX XXXX and yet I just found out on my credit report that I have a major derogatory mark as of XX/XX/2023 because XXXX XXXX XXXX reported to credit reporting agencies as a Debt Buyer of {$1000.00} which I had no opportunity to dispute since I was not contacted by the XXXX XXXX XXXX and now it is marked on my credit report as overdue for two months ( XX/XX/2023 and XX/XX/2023 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022, I received a text message from ph # XXXX advising that Chime was having sweepstakes and to kindly send Yes to confirm Chime Bonus. I did and was immediately locked out of my account. I contacted Chime immediately at XXXX and worked with a rep to reset my password. It was reset and I used my card. I thought everything was fine, so I transferred {$100.00} to my checking account with Chime from my XXXX  XXXX XXXX account as I do every month. 
When Chime received the payment on XX/XX/XXXX, they immediately locked me out of my account and advised me that I needed to send them my driver 's license, front & back, and a selfie showing me holding my ID and a piece of paper with the date, XX/XX/2022 I sent it. They sent me an email that they needed another pic, with the date written/ not typed on paper with a selfie. I did. They rejected that and told me to take another pic, because it wasn't clear. I tried calling the XXXX number, and someone answered, but just held onto the phone, not speaking. I hung up and contacted them on XXXX. They reached out and asked for the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of anxiety, and I kindly request that you address it promptly.

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