BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$260.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Balance : {$490.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$940.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXK XXXX XXXX XXXX ) Balance : {$490.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Unauthorized and unrecognized hard inquiries on TransUnion credit report for activity dated XX/XX/2021. I have requested validation of authorization from TransUnion. 

Multiple request to have inquiries removed submitted to TransUnion. I requested validation via producing document with signature authorizing said transaction for each company.

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 2022-01-14
Company: LEXISNEXIS
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:
On XX/XX/2021, I sent a certified letter to LexisNexis Consumer Reporting agency. The letter included my personal dispute with the bankruptcy information that they are reporting. Included with my personal dispute, was a letter from the US Bankruptcy Court of Northern Illinois. The letter states the US Bankruptcy Court of Northern Illinois, does not report any information to any consumer reporting agencies or any consumer monitoring companies. I submitted these findings to LexisNexis, and they sent me a letter stating that they verified the information that they are reporting as accurate. This is a violation of my consumer rights and a violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text message at XXXX XXXX from the phone number ( XXXX ) XXXX : " Chase Alerts : Did you attempt to send a wire transfer for the amount of {$4500.00} Reply XXXX or XXXX. STOP to end. '' I received a phone call that my caller ID labeled as Chase ( XXXX ) XXXX. The caller identified himself as a member of JP Morgan Chase 's wire fraud team. He asked me if I authorized any wire transfers or if I knew anyone by the name of XXXX XXXX. I replied I did not. I was then guided through my online account to submit what he referred to as wire transfer reversals. My husband verified that they were calling from actual chase bank numbers. We trusted them. I submitted two wire transfers one for {$12000.00} to XXXX XXXX and the second for {$9100.00} to XXXX XXXX. They had me enter my name into the return account so I assumed it would be returned to me. 

When I realized this wasn't right it was to late. The wire transfers were completed. My banking institution told me I was likely not going to get these funds returned. They filed a claim but told me that they were going to deny it since I was the one that made the transactions. Even though I was fraudulently led to believe it was my bank and their information was indeed compromised as well. 

So I am filing this with hopes that corrections can be made and I can get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX I made a final payment on my account for the full amount I was shown I owed. 
A few days later when I checked my account it was showing a small payment of {$60.00} so I made that payment. 
about 2 weeks later I got a call from my mortgage company and they said I had over paid and they revered the payment of {$60.00} and said my account was paid off. 
In XXXX I got a notification that there was an account placed at 30 days past due, and when I checked it was my mortgage company. 
I called my mortgage company and got told I owed {$1800.00}, {$2900.00}, and {$2300.00} by the same person I spoke with. 
Every time I called in I was told my account was showing paid in full, but I owed corporate advances. 
After disputing them, my mortgage company closed my account and listed it paid in full in XXXX of XXXX. 
A few weeks later I received a notification again on my credit report of an account being charged off. 
Upon checking my report I noticed it was my mortgage company and they said I was charged off for a total of {$3.00}. 
I have contacted them and was told everything is correct and that they would not removed the negative remarks. 
I am requesting that my credit report be fixed back to XXXX of XXXX and my account to reflect that it was paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of XXXX, I was notified by XXXX XXXX that there was a change in my credit history. I found the Comenity Bank- the processor for XXXX ) listed my account as delinquent. I had never received a statement from Comenity. I called and found that while they said my account was delinquent, and in order to waive the late charges I need to pay the balance in full that day - XX/XX/XXXX, which I did. 

Now in XXXX, XXXX, I received a statement from Comenity indicating that I was delinquent with {$44.00} in late charges and interest due on a balance of {$1.00} that they said that I had not paid in XXXX. In order to reduce the late charges, I was again told that I needed to make a payment of {$20.00} to pay the account in full. I think that it is obvious that I would not have left a balance of {$1.00} on the account. 

I do not believe that I should have had to pay {$20.00} on the account when I was told in XXXX what my balance was to pay in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-23
Company: TRUIST FINANCIAL CORPORATION
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:
I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 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 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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 2022-04-19
Company: DISCOVER BANK
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
im behind on my discover card because they are trying to charge me XXXX after I paid everything off and im not paying them again. so its past do everyday at XXXX they call ive blocked one number that called me 4 times a day and they started calling me from another numbe and its every day so far I have it blocked too. automated voice mails. ive already tried fixing this with them and they refuse so I dont answer and im not paying there corruption on trying to get me to pay another payment after I paid everything off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I submitted a dispute to Equifax about a late payment form my XXXX account on my consumer report that according to the laws should not be reporting being that the late payment was not properly investigated by Equifax and proven to be late before they reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For the last 3 months I have been charged a Past Due Fee and for months before. I would be late by an hour or hours or even 1 day. Capital One can not waive multiple fees even though my account is in good standing. They have waived 1 month out of the x theyve charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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: Information belongs to someone else

Complaint:
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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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. XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX COLLECT XXXX Date Opened : XX/XX/19 Balance : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: MN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Onward Credit Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX, I took out an online loan with Onward Credit. The line of credit was {$550.00}, as I paid the loan off, I was given an increase limit as of XX/XX/XXXX to {$1100.00}. I did take out the advances however on more than one occasion I had asked to close the account to avoid paying enormous fees. The interest rate is at 359.1 % and the average amount taken out of my bank account is about {$250.00} every 3 weeks. I have paid onward credit over {$1500.00} and still have a remaining balance of {$420.00}. There seems like that there is no relief insight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to XXXX 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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:
I am a human being, Citizen of the United States. I found numerous errors in my credit report. I have rights under 15 USC 1681 XXXX, Equifax, and XXXX is govern by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts in this report be removed, according to 15 USC 1681 I have rights to privacy and I did not give XXXX, XXXX, and Equifax written permission to furnish these accounts they placed on my credit report. I repeat, I never opened these accounts, nor did I sign anything, or documents. I never have spoken to anyone in reference to these accounts. No email, nor phone call. I repeat these accounts are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX inquiry XX/XX/XXXX I have a fraud alert on account but allowed inquiry. 

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 2018-04-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX THESE ACCOUNTS ARE REPORTING BALANCES AND PER FCRA THEY MUST BE DELETED WHEN REPORTING INNACURATE AND THIS BUREAU HAS DONT NOTHING ABOUT IT. 

INCORRECT NAME OF XXXX XXXX REMAINS ON MY REPORT INCORRECT ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
account XXXX XXXX  reported false information t 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 2023-05-09
Company: EQUIFAX, INC.
State: TX
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:
Im a victim of identity theft there are 14 hard inquiries on my report Im asking yall nicely to have them removed cause I didnt allow them dont know anything about them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the middle of XX/XX/XXXX I tried to apply for a home mortgage and was notified that I had this collection account reporting on two of my credit reports. XXXX and XXXX. I sent XXXX XXXX XXXX two validation letters and they did not respond to the 1st or 2nd letter. 

The first dispute letter I sent out on XX/XX/XXXX ( I have attached a certified mail receipt ) They received the letter on XX/XX/XXXX. Instead of them validating this debt they sent me a collection letter dated XX/XX/XXXX. ( I have attached the letter they sent me ). They did not stop collection activity until they validated the debt. Which is a voliation of the FDCPA. 

I sent the 2nd validation letter on XX/XX/XXXX and still I have yet to receive a validation of this debt XXXX XXXX XXXX. I did dispute with XXXX and XXXX, XXXX deleted the Debt ( I have attached the copy of the result ) XXXX said verified. How is this when XXXX XXXX XXXX  didn't validate the Debt with me. They have show their blatant voilation of the FDCPA by not validate this debt with 100 % verifible proof of this debt. 

Please please please help me in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation