BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-11
Company: JPMORGAN CHASE & CO.
State: WI
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:
There is an inquiry on my credit report from JPMCB from XX/XX/2019. I did not apply for any new credit around that time nor did i authorize for anyone to run an inquiry. I have never done business with JPMCB and have written the company directly on several occasions to remedy to situation, they have failed to respond. When i call customer service they require this in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: SYNCHRONY FINANCIAL
State: CA
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:
My cards were charged and the company Paypal and Synchrony stopped taking my payments. They were charging inactive bank account during the fraudulent activity. One card was paid on time and still being paid on time and still being marked late, collection. Still being charged {$34.00} a month without my consent. Can not cancel the accounts or continuous charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: AR
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 submitted a complaint and received information back on XX/XX/XXXX that possibly a third party is involved, so the case was closed. I find that was extremely unfair that I must resubmit the complaint again. I am competent to submit this claim for myself and to explain what is going on with my account myself without the need of a third party. I do expect to get results this time since Im clarifying that I AM XXXX XXXX. I spoke with XXXX at CFPB, who told me to just submit a new complaint. 

Several accounts show that the dispute I submitted as updated, but nothing ever happens on the actual account. I dispute all of the accounts each time, but its not documented as such. These accounts arent being investigated or they would have been corrected or deleted by now. I never received a letter about the disputes, as Im sure youre aware, this itself is a violation of the FCRA. I got this information from the Experian app under alerts. XXXX Open : XX/XX/XXXX Balance updated : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Open : XX/XX/XXXX Status : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  Open date and status dates are the same : XX/XX/XXXX Balance updated : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Status : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  Open date and status dates are the same : XX/XX/XXXX Updated balance : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by XXXX XXXX XXXX XXXX. This account has reached its statutes of limitations because it is over XXXX XXXX XXXX. I want this account removed off all three credit reporting agencies XXXX, XXXX, and Equifax immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern ; Please be advised that as of XX/XX/XXXX XXXX as listed on my most recently reviewed credit report there is an inaccurate account still listed. Over the past few months I have made subsequent attempts to have this 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. The company XXXX XXXX XXXX is reporting an account that is NOT mine. 

This account can not be validated in accordance with the Fair Debt Collections Practice Act. Also, this 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.

According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ). Please remove the following accounts immediately from my credit 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 non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: VA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a debt collection I have been paying since XXXX. The debt should be about fully paid or within a few XXXX to be paid. 

I have been contacting them since XX/XX/XXXX. Every representative I have talked to either has hung up on me, or told me that they can not find my account. Prior to this I have never had an issue going over my account with a representative or them giving me a balance or updated details. 

They contacted my paralegal telling them I have defaulted on my loan agreements when I have repeatedly been contacting them to receive my balance to see if my account is paid in full. Back in XXXX I made a XXXX payment and some months I made more than the 200 monthly amount which should have me just about paid off. They are threatening to sue for the remainder of the amount. I find this ghosting as I pay off my account a way to purposely default my loan to receive more than the settled amount. These are illegal and unethical business practices. 

the debt collector is Patenaude & Felix XXXX XXXX XXXX the account number is XXXX Also, my cosigners grandmother was harassment for months. My cosinger moved to XXXX. But the company put down the I moved to XXXX. I never moved out of the country. And they repeated harassment his family members and gave my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-02-17
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my 7th endeavor 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$300.00} XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2020-06-12
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Still waiting to receive unemployment benefits when I choose to use the unemployment debit card the ReliaCard on the screen that pops up I had already been issued an unemployment card on a previous account and that's where my payments would be issued an. And also told me to call the number immediately and I did and the lady I spoke with said I didn't have a card issued to me ever so I need to either they figure out what the previous account was and closed it cuz I've never gotten unemployment benefits before this is my first time and reapply for a new one or something.

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 2023-09-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have spent over a year, going back and forth with the credit agency and half a year as of this year; going back and forth with the furnisher. The furnisher is stating that they have advised XXXX, Equifax and XXXX to close and remove the account. The only one to has listen was XXXX. Instead of removing the account XXXX and Equifax decides to TRY and update it as my consolidator who is NOT reporting to my credit report as of today. Another false verified updated from the credit agency. 

Not only that ; the information reporting is inaccurate and constantly violates my rights! I ask for compensation but what I get is rude customer service when I called and accounts as update. How can incorrect information be verified updated when the other agency are not reporting it. I have active memberships with all three bureaus and they NOT saying the same thing but yet. Information is verified. I have sent letters in the mail, they mail me a report back. I am mentally drained from the back and forth, I need this resolved or they can hear from a lawyer next with the violation of the law. 

15 U.S. Code 1681i section 602a- I have the right to privacy.

15 U.S. Code 1681i section 604a- I must provide written consent for any accounts.

15 USC 1681 ( a ) ( 4 ) - Please Review this law 15 USC 1681a. ( e ) - 15 USC 1681b. ( a ) ( 2 ) - Please Review this law 15 USC 1681i. ( 5 ) ( A ) ( i ) - 15 USC 1681a. ( c ) 6. A States that I may seek compensation for violation damages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: AZ
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: LA
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Block, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I've been charged XXXX a month every month since XXXX of 2022 to XXXX XXXX XXXX  When I noticed all the charges I did a dispute with a cash app on these charges as invalid. I was denied. I did another dispute and provided proof that I had canceled this back in XXXX of 2022. I was again denied. At this point I don't know what else to do. This is the second complaint I have submitted to cfpb against cash app. I don't know what else to do at this point. They're actively aiding in fraud being committed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account is negative due to a charge off account XX/XX/XXXX never received notice of this account. The banker was very rude and mishandled my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: CCF Intermediate Holdings LLC
State: TN
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 A COUPLE OF HARD INQUIRIES ON MY CREDIT REPPRT THAT I DID NOT AUTHORIZE I DID NOT GIVE PERMISSION FOR MY CREDIT TO BE RAN AND I WOULD LIKE THEM TO BE DELETED IMMEDIATLEY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Thrift Investment Corp.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The account has been an issue for several years. We have tried ( husband and wife ) to work out payment plans and get a comprehensive accounting of our account. What the company has sent to us is a print out that has codes that we do not understand and nobody has taken the time to explain. When asked how much we need to pay they gave us 3 different amounts within days apart. When we requested a print out because of the confusion on the amount they repossessed the vehicle and the company they hired for the repossession caused damage to the garage of the home we are temporarily staying at. Both companies have refused to provide us with the insurance company of the repossession company. The company has harassed us, threatened us, and violated our rights by not giving us proper documentation. They forced us into another loan which added more money onto the original loan. We have numerous text messages, and recorded conversations with the car loan company and the repossession company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: VA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I sent a complaint ( # XXXX ) to the CFPB because I could not close my TD Bank credit card and, subsequently, fraudulent charges appeared. On XX/XX/XXXX, TC Bank sent a letter ( attached ) indicating that my account had been blocked and that I would receive a credit for the fraudulent charges. This letter referenced my inability to close my account, and by mentioning the account was blocked, lead me to believe that no further charges could occur on this account. On XX/XX/XXXX, I received an email from TD Bank indicating that a new charge appeared on the account that I requested be closed. I never approved the opening of a new account and very clearly indicated that I wanted my account closed. Not only do I believe that this new charge is fraudulent, but I believe that opening this account was fraudulent since it was clearly against my previously stated wishes. On XX/XX/XXXX at XXXX CT, I called TD Bank to attempt to resolve this issue, but the customer service representative I was speaking with hung up on me and no one called me back. I want TD Bank to permanently close any and all accounts associated with me and remove any associated charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-08
Company: Williams & Fudge, Inc
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I attended XXXX XXXX XXXX - to mid XXXX. I was using FASFA and other student aid that covered my tuition balanced. Fall / Winter of XXXX my school location XXXX XXXX was closed. XXXX XXXX filled for bankruptcy which caused multiple campuses to close down. Due to the school closing and only being a semester away from obtaining my degree I could not and did not receive my XXXX from XXXX. On the FASA / STUDENT AID websites has laws and forms stating that if a school closes before obtaining a degree you do not have to pay your student loans back. This summer of XXXX Ive been contact and harassed by WILLIAM & FUDGE saying that I owe them money. Apparently XXXX sold my account balance or they bought out my balance ( that I do not owe ). When I explained to them why I shouldnt owe a balance I was accused of lying and acting immature. 

Being told by an employee of WILLIAM & FUDGE you need to stop acting immature and figure out how youre going to pay us our money ~ XXXX XXXX. 

Well, thats not true youre lying because XXXX XXXX is obviously still opened ~ XXXX XXXX Not only am I being harassed but the two phone calls that Ive received from them their behavior was disgustingly out of line. Also, being accused of lying and saying that I agreed to pay which I never agreed to. I have no choice to believe that WILLIAM & FUDGE is apart of the politics that are currently against my family. There is no reason on how I owe the Art Instiute money when I have documentation on my FASFA that my tuition was covered. I also received a grant from the XXXX XXXX that covered my art materials. There is no such thing as me owing a personal balance if there was no personal charge to begin with. Even in the document that was emailed to me the numbers did not make sense. I went to go review the document again and it appears as unavailable. It seems very suspicious and I believe they are messing with numbers. There is no way my account should have a charge or balance. Also, if I owed a balance to AI I should not have ever received my official transcripts from them. 

This file contains my document that was emailed to me about my balances that is now no longer available. I cant even see my balance for myself. I do not trust this company at all! Seems very suspicious. Its no way I owe my school money at all. 

These are also the reviews about WILLIAM & Fudge. Other people have experience this same tacky behavior and believe they are also suspicious.

Company response to consumer: Closed with explanation