BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

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 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 2023-08-12
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card and pin information were compromised on XX/XX/2023. A police report was filed ( XXXX ) on XX/XX/2023. The tracking number is XXXX. All my money from my bank account was stolen through ATM transactions, E-Checks, and an in-person purchase at a jewelry store. There were three ( 3 ) ATM charges for {$210.00}, {$190.00}, and {$100.00}. There were three ( 3 ) check withdrawals for {$1500.00}, {$1000.00}, and {$3000.00}. There was one ( 1 ) {$660.00} charge for an in-person purchase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. All these transactions were made on XX/XX/2023. I called Chase immediately and reported fraud on XX/XX/2023. They opened two ( 2 ) claims on my behalf for the debit card transactions and the E-Checks. I received temporary credit for the debit card transactions on XX/XX/2023. My claim was approved regarding the check withdrawals. I received a statement from Chase on XX/XX/2023, notifying me that they found the transaction was processed according to the information you provided or was authorized. The Chase Claims Department representative told me that the claim was denied because there were no pin errors during the transaction. Im confused as to why the investigation didnt entail camera footage of the ATMs when the transactions were processed or camera footage from the direct location provided on the statement showing the date of purchase from the jewelry store. I also dont understand how a second form of identification wasnt asked for when three ( 3 ) checks totaling {$5500.00} were withdrawn from my account. The Chase Claims Representative told me there is nothing they could do. I feel like my money is not safe banking with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: MN
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:
15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT. 
I did not give permission to use my consumer credit. I never had any contract with XXXX XXXX XXXX, Nor do I recognize this account. 
My rights are being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: PA
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 explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I file a dispute for unauthorized charges on my account in the amount of XXXX claim no XXXX. 
After I filed this claim I found other unauthorized charges XXXX from this same merchant/ person and I filed a second claim on those charges claim no XXXX. Two days after I filed this second claim they automatically denied my claim- they didnt even look at it or investigate because it was just like the original- and they approved the original because it was legit fraud charges. Now Im back and forth through emails everyday fighting with them to give me my XXXX from the second claim and they keep giving me the run around. Its been over a month now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: SC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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: 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
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 consumer XXXX XXXX, received a consumer report from TransUnion and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent account is inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received a letter from Dynamic Recovery Solution regarding a past payment due to a medical bill from XXXX XXXX XXXX. My XXXX ID # is XXXX and supplemental health insurance XXXX XXXX XXXX Policy # XXXX should completely cover the costs of my medical treatments and hospitals. 
If you have any questions please contact me at XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: MD
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 several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$570.00}

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 2020-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account with Capital One Bank. 
The account was charged off, and a company called XXXX XXXX XXXX claims to have purchased the debt. 
I subsequently paid back Capital one Bank Directly for this debt. I have attached the proofs of payment. 
XXXX XXXX refuses to remove the tradeline from my credit report or update it as paid to capital one in full. 
I have sent portfolio recovery two separate written letters asking for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Verified First, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
So I was applying for a job with this company XXXX XXXX and their security company named XXXX XXXX did my criminal background check. The criminal background check came in and I was sent a copy and so was the company. I looked at the information on their report and they have my social security number in XXXX NV, XXXX and I have never lived nor have I ever been to XXXX NV. So someone in XXXX NV has got my social security card number and they are using it for illegal and criminal activities and they are misusing and misrepresentation of me when I was born and raised in XXXX XXXX NC. I live in XXXX NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: GA
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 USC 1681. 
Accounts are XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX XXXX  ACCT # XXXX DEPT OF ED ACCT # XXXX / XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX DEPT OF ED ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX US DEPT OF EDUCATIONXXXX 1 OF 2 DEPT OF EDUCATION/XXXX-OPENED XX/XX/2014 ACCT # XXXX 2 OF 2 DEPT OF EDUCATIONXXXXOPENED XX/XX/2014 ACCT # XXXX XXXX XXXX XXXX ACCT # 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 2016-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently having an issue with Bank of America regarding a modification that was processed without my permission or signature. I have contacted them but I am not receiving any assistance and they have not returned my call. I was at time of origination the primary borrower. The home was awarded to my spouse via divorce decree and I was told upon signing a release deed that was prepared the loan would be modified and my name removed. I was not provided a copy of the modification for review or signature. Upon. A recent credit check I am now aware m name is still on the mortgage and I have been told my the account rep from Bank of America that their policy does not require all responsible parties to sign the modification. My understanding is that any change in original repayment terms require all responsible parties to sign and acknowledge. Can you help 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 2023-05-02
Company: EQUIFAX, 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 submitting this CFPB Complaint to dispute the remaining fraudulent accounts and information that has been reported on my Credit File by the Credit Reporting Agencies. Under the Fair Credit Reporting Act section 605b, I am demanding the Credit Reporting Agencies to remove the disputed fraudulent items off of my Credit File as soon as possible. Despite my previous attempts to have the fraudulent items removed from my Credit File, the disputed items are still being reported in violation of the FCRA section 605b. I do not own these accounts neither did I authorized anyone to open these accounts on my behalf. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). I need the following items removed from my Credit File without further delay : XXXXXXXX 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 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 As we are undoubtedly aware, under Section 611 of the FCRA, it is the Credit Bureaus responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to the Credit Bureaus attention. It is now the Credit Bureaus obligation to investigate and remove these errors within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I disputed an " adverse account '' with multiple errors to Transunion numerous times & they refuse to revise/correct the errors. This has caused 8 or more credit denials, hard inquiries & has harmed my creditworthiness/ reputation. On XX/XX/XXXX I paid XXXX XXXX   Hospital {$600.00} for XXXX & exam of my dog, XXXX. This left a balance of {$570.00}. I returned to XXXX XXXX Hospital with XXXX for emergency XXXX on XX/XX/XXXX. I was forced to pay {$900.00} ( half of the estimate of XXXX ) on XX/XX/XXXX before emergency XXXX to remove XXXX XXXX XXXX, which had started to XXXX. XXXX applied the {$900.00} to my {$570.00} balance from XX/XX/XXXX, leaving a CREDIT of {$320.00} on my account. I paid an additional {$900.00} on XX/XX/XXXX when XXXX was released from XXXX XXXX Hospital. There were 3 additional credit adjustments on my account as well, on XX/XX/XXXX. ( Please see attachments for the statements and proof of payments and adjustments ). My balance ( with the {$320.00} credit ) should be {$900.00}. XXXX has NEVER applied the {$320.00} credit to my account. Instead, they report as IN COLLECTIONS/ ATTY from XX/XX/XXXX - XX/XX/XXXX. I have NEVER been contacted by a collection agency or atty! From XX/XX/XXXX - XX/XX/XXXX, without notification, XXXX began reporting a monthly balance of {$1200.00} and payments of XXXX. This makes it look like I have been late monthly to creditors. I have paid {$2400.00} none of which is being reported by XXXX. I have pointed this out to Transunion via many disputes and they never change a thing on 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 explanation
Consumer complaint received 2022-11-22
Company: Affirm Holdings, Inc
State: SC
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 was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with AFFIRM INC for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had a listing up on XXXX XXXX for a fish tank and a lady messaged me on XX/XX/2022 at around XXXX saying she wanted to buy it. It was {$20.00} and she said that she wanted to use XXXX, which I agreed to since I used it before and had no problems with it. I got an email saying that it was put on hold because she sent it with a business account and I had a personal account so it asked her to send {$250.00} to meet the requirement. I haven't used XXXX much so I thought that it was true and went with it. She sent me the money and afterwards, XXXX emailed me again to refund the money to her. I did and sent her {$250.00}. I got a 3rd email saying that I had to pay a {$300.00} fee and that's when I got suspicious and confronted the lady. She blocked me so I have no way to get her to send me the money and Chase said that they can't because I authorized the payment ( which, I didn't. I tried to send another message saying no but it did nothing. )

Company response to consumer: Closed with explanation