BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: OneMain Finance Corporation
State: VA
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 noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX One Main Financial XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: EQUIFAX, INC.
State: CA
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 sent another dispute to the bureau regarding unvalidated, inaccurate accounts ( XXXX XXXX CARD SERVICES XXXX and XXXX/XXXX XXXX ) on my report that has many inconsistencies. I also demanded that they validate the accounts but they didn't do it. I haven't received any documents that shows that the creditors validated the accounts to me. According to 15 U.S. Code 1681i the bureau must do a reinvestigation of the disputed item within 30 days and if the item is inaccurate they must delete! I can not keep dealing with this issue as it keeps causing me a lot of stress and wasted time. I have attached my Driver 's License, Social Security Card, the info that shows the inaccurate accounts and all the discrepencies. I will be forced to file with the FTC if these inaccurate accounts don't get deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy under confidentiality under 15 USC 1681 XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15USC1681 section 604 a section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more then seven years 15 USC 1681subsection 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 2023-03-16
Company: Experian Information Solutions Inc.
State: CT
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 in accordance to the Fair Credit Reporting Act. XXXX account XXXX and XXXX XXXX XXXX account XXXX. 

15 USC 1681 602A I have a right to privacy.

15 USC 1681 604a sec 2 states 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 explanation
Consumer complaint received 2018-12-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I already submitted a complaint # : XXXX for JPMORGAN CHASE BANK. This complaint does not show on your website anymore. So I have to start over again. 
I have my house for sale in escrow. On the Preliminary report, Title shows a second loan mortgage # :XXXX of {$65000.00} which it was merged to my first loan mortgage # :XXXX with Washington Mutual/Chase Bank on a Loan Modification in XX/XX/XXXX. In other words, I do have only one mortgage with Chase ending # : XXXX. 
On XX/XX/XXXX, through my escrow officer I request demand and Reconveyance to Chase-JP Morgan Chase Bank/Washington Mutual Bank. 
On XX/XX/XXXX, my escrow requested by second to Chase/WaMu Banks time by fax ( XXXX ) XXXX a full reconveyance on the second loan, the bank did not answer. 
On XX/XX/XXXX, a third request was emailed to lien.release.customer.researmych@jpmchase.com through the Broker who represents me on the sale. All three requests have been sent with my Authorization Letter signed and dated authorizing XXXX XXXX XXXX, Broker XXXX XXXX, and my Agent XXXX XXXX to speak on my behalf ; a copy of Deed of Trust, Preliminary Title Report. All requests including my complain to your CFPB had been very specific, I NEED A COPY OF THE EXECUTED FULL RECONVEYANCE ON LOAN # : XXXX. 
I have been talking to the Chase Customer Client every day, always with different person. Attached is a letter from Chase saying a specialist XXXX XXXX was assigned to help me. I've never been able to talk to this person I left her many messages with no answers. On XX/XX/XXXX, I received from Chase a copy of the loan modification # : XXXX that I did not request. Today, XX/XX/XXXX, I received the pay off of the same loan that I do not need either. I repeat once again that the only thing I keep asking for is A COPY OF THE EXECUTED FULL RECONVEYANCE ON LOAN # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my car was broken into and thieves stole my wallet, keys and phone. The thieves purchased over {$15000.00} of goods on my credit cards at stores I never frequent. Chase approved all of those charges. 

I returned to my car that same day and noticed the theft and reported the card stolen immediately- I also called the police and filed a police report. 

Initially Chase resolved the claims and didn't charge me. About 20 days later they put {$11000.00} back on my account with no explanation. When I called them they informed me that since the " customer received goods or services '' and that " I approved the charges via text. '' I was liable for the purchases. 

I was a victim of fraud and had my phone stolen. I informed them on the call that I couldn't haven't approved the charges since I didn't have my phone at the time, which is documented in the police report. 

Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I'm " XXXX XXXX XXXX, '' and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00}

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 2020-12-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is a follow-up complaint to complaint # XXXX, which was improperly addressed by Chase bank. This is concerning Chase claim # XXXX. The claim was incorrectly denied by Chase on two different occasions, on XX/XX/2020 and XX/XX/2020, based on false information received by the airlines. I provided chase with documentation stating that the airlines canceled the ticket and allegedly issued a refund, but all employees at Chase, including this XXXX person who was handling the original complaint, refused to review any information, even after I left several voicemails asking for a callback. 

I sum, this is where I am standing : 1 ) Chase claims that the airlines has verified he transaction as correct, and referred me to the airline for a resolution 2 ) The airline claims that the ticket was cancelled and a refund issued, however, no refund has ever posted to my account and ; referred me to Chase for a resolution. 


At this point I am in limbo and dealing with two incompetent companies, all the while I am out of {$350.00} during very tough financial times. I have tried my best to resolve this issue with Chase amicably since XXXX when that reservation was cancelled but I have reached my limit. Should this claim not be processed correctly and that transaction reversed as it should be because the airline never issued the refund they were supposed to issue, I will bring legal action against Chase and Visa in the New York Superior court, and will also get the media involved. This is my mother 's money and she is XXXX and frail. I am attaching the last email from XXXX XXXX stating that the ticket was revoked, that refund should be expected, and that I should contact my bank for further resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I received the results of a re-investigation of a public record on my Transunion Credit report. The re-investigation is reporting a XXXX  XXXX Bankruptcy as 100 % accurate. I have requested the credit bureau investigate the legal name, address, birth date and full social security number of the debt that is reporting as the debt is being report fraudulently. On XX/XX/2023, I called Transunion 's dispute line and spoke with XXXX who refused to tell me the method of the verification of this debt. I asked if it was a third-party and if so, if he can give me the details so that I may contact them. XXXX told me the public record is solely verified through the US Bankruptcy Court. I was given the phone number XXXX to call and challenge the record. The court system has verified that they did not and do not verify any information with the credit bureau. Therefore, a full investigation of my legal name, full social security number, birthdate and legal address could not be fully confirmed according to 15 USC 1681. 

My rights to privacy are clearly being violated. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They have violated my rights numerous times. 

Transunion has violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOCIATES LLC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with thisrequirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOCIATES LLC this account was already disputed with another collections agency that in turn sold it to PORTFOLIO, THEN failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOCIATES LLCis held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PORTFOLIO RECOVERY ASSOCIATES LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
To whom it may concern : I received notice that you verified certain tradelines on my credit report from the following companies : XXXX XXXX XXXX acct # XXXX, XXXX  XXXX bank # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please tell me how you did XXXX.Who did you talk to at the origi al credit grantoror did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address / phone number on my report? The FCRA says you have 15 days and dont give me the generic response of how you various methods. With the person full name you spoke too. 
ALSO WHAT IS THE DATE OF THE COMMENCEMENT OF DELIQUENCY? THE ORIGINAL CREDITOR IS REQUIRED TO GIVE THAT TO YOU.AND WHEN WILL THESE TRADELINES BE PAST REPORTING TIMEFRAME NOT THE GENERIC ANSWER LISTED ON THE LAST RESPONSE.TELL ME SPECIFICALLY AND WHEN WILL THEY BE REMOVED.MAJORITY OF THEM REPORTING CHARGE OFF AS WELL AS BEING INCLUDED AS LATE PAYMENTS .WHICH ONE IS IT?

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 2022-12-07
Company: Experian Information Solutions 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 sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$33000.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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