BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
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:
This is my fifth request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX & XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX {$9800.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX Inquiry : XXXX XXXX, 2021.

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 2023-05-25
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:
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 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 2023-06-13
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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-02-07
Company: JPMORGAN CHASE & CO.
State: CA
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:
I disputed a charge with Chase for a hotel room that was slum at the XXXX XXXX XXXX XX/XX/2022 for a family reunion. The pictures on the internet did not match the room they gave us for 4 people. Carpet filthy, broken lights, filthy bathroom, room too small to accommodate 4 people. I informed Chase I had pictures so they could compare our room to what posted on the internet, but they said it wasn't necessary. I spent a whole day looking for another hotel during peak season, not to mention, they ruined our family reunion.

I called Chase 1 week after this event happened and the agent did say they would support me with the dispute and that there would not be an issue doing a chargeback. This was a recorded call.

Several weeks later, no chargeback. When I called, Chase said there wasn't a claim and that I was 7 days past reporting. I asked them to find the recorded message for when I initially called and they would not come up with that. 
I escalated to my account XXXX, who managed to reopen the case. Chase again denied it and would only offer me {$100.00} out of the {$340.00} disputed amount. I accepted the {$100.00} on the premise that this is not a settlement for the dispute.

Chase was horrible to deal with REGARDLESS of the several years I have been a customer with them with no issues.

Chase has no ethics and horrible customer service!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} ; 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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 XXXX data breach and may have got into the hands of the wrong person.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 WAS AT THE BANK LOOKING TO BUY A HOME WHEN THE BANKER LET ME KNOW THAT I HAD ACCOUNTS, ADDRESSES, AND NAMES ON MY CREDIT REPORT THAT WAS NOT MY DOING THESE ITEMS ARE HURTING ME FROM BUYING A NEW HOUSE FOR MY FAMILY AND STOPPING MY BUSINESS.

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 2023-02-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an accounts passed on that should be taken out or blocked. I've proactively remembered this report from 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 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 2023-12-10
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX this year I submitted an online order to Sephora ( card provided by Comenity Bank, Bread Financial ), only to find out the card I had expired XX/XX/XXXX that I'd had since XXXX ). 

I called/ or emailed from my account to customer service in XXXX ( then in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX ), XXXX times since the card expired, and each time was told a " replacement '' card was to be mailed for the XXXX ( XXXX ) not received. 

I have gone to my local post office to advise the carrier of the situation. The local branch and the carrier have no evidence of ANY cards being received. I've also verified my address with the credit card company. 

NOT ONE CARD has been produced on any occasion that the credit card company SAY they mailed a new card. My box is in a series of locked boxes, and in contrast, another credit card company mailed a replacement after a small unknown charge on the card before. I received that one in 7 days!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX XXXXnd stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The checking account I had with JP Morgan Chase for the last 6 years has been closed by the bank without any specific reason and I was told that they decided to stop business with me. However, they closed the account without notice, restricted access to my funds, rejected ongoing payments and checks and their negligence caused tremendous trouble in payments for me. If a bank does not want business with me, I'm more than happy to switch to another one as there are hundreds of them in line but they should have some manners and manage the process properly. They never sent me a notice about their decision or warned me in advance so that I could arrange alternatives for my ongoing payments. I can't wait for future and decentralized finance where people will not need criminal banks as intermediary for financial transactions. When that day comes, I will watch Jp Morgan Chase going out of business in great joy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Concerning my XXXX XXXX XXXX They are in violation of 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( F ) ( ii ) ( I ) and FCRA 611 ( a ) 1 I was given accommodations verbally but never a written agreement for a forbearance/deferment of monthly payment for my XXXX account. Lateness for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lateness should be deleted from my account and never reported again. Please due this immediately!!!! All of these lateness were under the verbal forbearance/deferment agreement. These lateness were also during the National Emergency Pandemic relief period ( XX/XX/XXXX Thru XX/XX/XXXX ) XXXX card services offered me an unwritten verbal agreement for forbearance/deferment then reported me lateEven though I made good will payments. I requested that the forbearance/deferment agreement be in writing and no response was given from the creditor. Then they reported the information late even though the payments were protected by the National Emergencies Act ( 50 U.S.C. 1601 ). The national emergency act was enacted on XXXX XXXX XXXX and was in effect until XXXX XXXX XXXX. You never even told me when the forbearance/deferment was over. I was not required to make any payments and the ones I did make were counted as late! This is a violation of my rights. This violation has caused me great financial losses and is affecting my ability to gain employment. Please delete this account from my credit profile records immediately. 

I have initiated a dispute to XXXX XXXX XXXX XXXX on XX/XX/XXXX to remove these items due to the terms stated above but they have not acted, answered or replied. 

Not only has XXXX chosen not to respond, it is also past the XXXX period legally for them to do so. On top of that XXXX, Equifax, and XXXX has not replied also I sent them a dispute letter on XX/XX/XXXX as well. This is a violation of my rights. FCRA 611 ( a ) 1. Please permanently delete this record from my credit profile immediately! 

LETTERS SENT TO XXXX  XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO XXXX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX LETTERS SENT TO EQUIFAX XX/XX/XXXX CERTIFIED MAIL RECEIPT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. In accordance with the Fair Credit Act, I need the following accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$0.00}. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file.

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 2023-01-31
Company: EQUIFAX, 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 information incorrect

Complaint:
I HAVE ASKED XXXX, XXXX AND EQUIFAX MULTIPLE TIMES TO INVESTIGATE THE ITEMS THAT ARE REPORTING ON MY CREDIT REPORT AND IF UNABLE TO VERIFY TO DELETE. 

I recently submitted a dispute requesting that they remove the following inaccurate accounts ( or that you update the erroneous information ) and it was ignored. I asked for their method of verification and documentation to prove they performed an independent investigation. 

They did not send me any sort of information but instead, denied my dispute and just verified everything as accurate. 

I also noticed that are reporting the date of the last activity incorrectly on one and payment history is inaccurate on the others. How is this possible? 

These disputes were ignored : XXXX XXXX - delete this account for inaccuracy, the date of last activity states : [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment date is reporting at 30, 30, R. This is a violation. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment history is reporting in XXXX : 30, 60, 60, 60, 90, 60, 90, 90 this is a violation. 

I would like ALL of these accounts removed from my credit report as the bureaus DID NOT file an investigation nor did they provide me with the documentation asked in order to confirm their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: BMW Financial Services NA, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a car loan from BMW Financial, I was down two payments, they called an threaten repossession of the vehicle. I made arrangement to pay on two different dates, which I did. The last payment brought my account current. I am a few days late with my current payment, less than 30 days, yet everyday as early as XXXX XXXX  I received calls from BMW Financial. AT times 2- 3 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NJ
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {XXXX} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX}

Company response to consumer: Closed with non-monetary relief