BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 company reported hard inquiries that dont belong 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 2022-06-13
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, XXXX XXXX Consumer and natural person, am aware of all rights that I have and which are protected by the congress under the fair credit reporting act ( FCRA ). The list of Accounts Below has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name- XXXX XXXX Account Number- XXXX 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 report agency can not furnish A account without MY WRITTEN instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XXXX, I sent dispute letters to Transunion, XXXX, and XXXX XXXX about inaccurate and incomplete items reported on my credit report. I sent it USPS certified mail # XXXX XXXX XXXX XXXX XXXX for Transunion, XXXX XXXX XXXX XXXX XXXX for XXXX, and I need assistance in this matter.I will attach copies of the letters below for your reference.

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 2023-05-09
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
seen this brandsource card could buy something from there stores and make payments they send a card all i could see was brandsource thought they were the finance company thats how it sounds bought a mattress from a local store missed a payment didnt know it was citi bank so i get a email from brand source but was actually from citi ok i paid it and ask for a copy of this agreement that i signed with citi they sent me there type up card agreement with no authorization any where from me into a contract with citi XXXX so my complaint is how do i have a contract with XXXX bank for something i never asked them for and they have never granted me anything from XXXX ever and there letter says they consider this matter resolved very shady brand source never mentioned XXXX i thought my account was with them you have to sign in and be approved for brand source as far as i know i signed nothing with XXXX or brandsource if that matters

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 2022-06-13
Company: JPMORGAN CHASE & CO.
State: NV
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 have hard inquiry appearing on my XXXX Credit report that I didn't authorize on XXXX/XXXX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXXBalance {$22000.00} XXXX XXXXBalance {$440.00} XXXX XXXXBalance {$1100.00} XXXXXXXX XXXX XXXX**Balance {$2400.00} XXXX XXXXXXXXXXXXXXXXX****Balance {$15000.00} XXXX XXXX XXXX*Balance {$0.00} XXXX XXXX XXXXBalance {$820.00} XXXX***Balance {$0.00} XXXX***Balance {$0.00} XXXX XXXXXXXXXXXXXXXXX****Balance {$15000.00} XXXX XXXX-XXXXXXXXXXXXX****Balance {$22000.00} XXXX XXXX XXXXBalance {$1400.00} XXXXBalance {$0.00} TXXXX****Balance {$0.00} XXXXBalance {$560.00} XXXXBalance {$750.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX**Balance {$1400.00} XXXX XXXX XXXXXXXXBalance {$910.00} XXXX XXXX XXXXXXXX***Balance {$340.00} XXXX XXXXXXXXXXXX*Balance {$1700.00XXXX XXXXXXXX***Balance {$1200.00} XXXXBalance {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
During the early morning of XX/XX/XXXX I was robbed, my phone stolen from, locked out of my apple account and left helpless by Apple as someone racked up thousands of dollars on my apple card via tap to pay at Apple stores. 

I initially submitted a claim to dispute these charges back in XXXX of XXXX, and my claims were denied in XXXX. In XXXX I then reasserted the disputes, and this time submitted the police report I filed the day of my robbery. 

On Thursday XX/XX/XXXX, XXXX large charges placed ( charges made on XX/XX/XXXX ) using my phone at an apple store were correctly reversed, but on Tuesday XX/XX/XXXX a charge for XXXX was deemed not fraudulent, with the investigation concluding that no billing error occurred. All XXXX of these charges were made at XXXX stores in a short period of time after I was robbed on the morning of XX/XX/XXXX. 

The charge ( XXXX ) I reasserted this week is another fraudulent charge in a string of fraudulent charges on my apple card that have been correctly reversed. 

On XX/XX/XXXX, XXXX concluded that my XXXX was stolen and honored the theft protection on my XXXX that was used to make these fraudulent purchases ( Claim # XXXX ). I could not have charged XXXX ( XXXX ) to my apple card via an XXXX I no longer had possession over. 

I ask you to please review this charge ( XXXX ) again as I did not make it and would like it reversed, attached below are pieces of information I am submitting as evidence I did not make this purchase. 

XXXX ruled again on XX/XX/XXXX this charge for XXXX was not fraudulent. It occurred at the apple store in XXXX New York on XXXX XXXX. I have reasserted the charge as of XX/XX/XXXX. The new dispute case number for this XXXX charge is : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Discover credit card and received a denial notice. I tried calling however no rep was available. The Equal Credit Opportunity Act states that credit is the right granted. Me being denied is viewed as discrimination and defamation of character because this is placed on my credit account as being denied, I received a hard inquiry that has negatively impacted my score as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been getting false credit report from all three credit reports companies. My name has been mixed up with another persons credit history. I was not able to get any loans or credit card because of this. It is also very hard for me to get an apartment for this very reason. For years I have been trying to get loans and credit card but failed because of wrongful 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 2019-07-12
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I WAS SCAMMED BY A COMPANY CALLED XXXX XXXX XXXX PHONE # XXXX. I PAID THIS COMPANY {$XXXX} 2 DIFFRENT TIMES. {$XXXX} ON XXXX-19 USING MY XXXX XXXX CARD AND {$XXXX} USING MY CHASE XXXX CARD. THIS COMPANY DID NOTHING FOR ME AND THEY WON'T RESPOND. I TRIED TO DO FRAUD ON THIS COMPANY AND UNABLE TO GET A REFUND. I REALLY NEED THIS MONEY AND NOBODY IS TRYING TO HELP RESOLVE THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Is Equifax just crazy or incompetent? I've tried to get assistance and they keep responding saying they've fixed something I'M NOT COMPLAINING ABOUT!! I WILL TRY ONE MORE TIME, then I will sue. This is the some complaint I opened previously. They have not fixed it. They responded that I need to provide info to access my account. Ive done that EXACTLY 37 times. In XX/XX/2018, after experiencing some identity theft, I signed up for XXXX XXXX XXXX through Equifax. Through some sort of technical glitch, I was locked out of my online credit report. I opened numerous tickets with them from XX/XX/2018 until XX/XX/2018 to no avail. I have tried many times over the past 5 years to resolve it but they can not fix it or are unable to resolve it. I basically gave up until about 6 months ago when I was working to clean up my credit before I applied for a mortgage. I've had tremendous success with XXXX and XXXX, but my credit report is still locked with Equifax, to the point that it can't even be pulled for the 3 credit reporting agency report. It still has old addresses and fraudulent information and is hurting my credit. I have called Equifax 6 times, opened 6 tickets and each time they try the same thing over and over on the phone and then have to " escalate '' to their technical team and I'm supposed to hear back from them in 7-14 days. That's where the issue dies. NOT ONCE has anyone emailed me that they are working on the issue. The latest ticket number is XXXX and no one has called me after 21 days. They don't seem to know what the issue is and it's like they have just given up. I've spoken to at least 12 Customer Service Agents that try the same things but they have no clue as to the problem. They can't even recreate an account for me or unlock it. I need to get into my account and I've been LOCKED OUT FOR 5 YEARS. I have way too many emails and notes on the issue, but they haven't responded to me via email in 5 years. I've included a screenshot of the original emails that went NOWHERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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:
I am making a complaint concerning Inquiries that are reporting on my account. I have contacted XXXX, XXXX and Equifax about unauthorized Inquires. My rights are being violated and I am being ignored, after several attempts trying to solve this issue. According to code : 15 U.S. Code 1666- Correction of billing area, the Bureaus above are breaking the law. 

I have not received any Verification showing I authorized accounts. Sending me letters saying verified does not verify that the accounts are legally and lawfully reporting. Pleae delete all inquiries that are not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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: Account information incorrect

Complaint:
I contacted XXXX regarding the misinformation that is currently reporting to my account. They assured me that they are reporting info from their records to the reporting agencies. I am uploading documents showing proof of the inaccuracies that are affecting my credit. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account # : XXXX and 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. 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 2019-05-08
Company: BB&T CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My bank BBT is hitting me daily with extended over draft fees and charges, the latest was again this morning! I spent 2 hours on the phone with them yesterday trying to resolve the problem and make the charges end, but then was told that they can't help me. 
I have been making deposit after deposit to try and stop the cycle but they will not let my deposits post until after they have charged me more and more fees, therefore I can't catch up and make the account clear. I am interested in a class action lawsuit against this! I want all of the charges and fees returned to me. I am on XXXX, I cant even purchase my daily medication that I need because of all of this. And I intend for my family to sue them if I do not make it through all of this stress and XXXX it is causing 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 2023-03-28
Company: RGS Financial, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent multiple letters and proof to XXXX XXXX XXXX that the transactions on my XXXX XXXX XXXX were not mine. 

Disputed transactions : XX/XX/22- {$100.00} XX/XX/22- {$510.00} XX/XX/22 - {$360.00} XX/XX/22- {$44.00} I have written XXXX XXXX XXXX a formal letter on XX/XX/22 disputing the above transactions but they have ignored my dispute only calling me more and without explanation or proof from their investigators as to why they believe it was me and have referred it to RGS financial to collect the debt whom I have also written a letter to on XX/XX/22. They have continued to call and request this money although I have clear evidence that it was not I or anyone I know who made these transactions. I am extremely frustrated with XXXX and how poorly and unprofessionally they have handled this case and how they have treated me. 

Attached are my formal letters, correspondence I've received and my card purchases and payments I've knowingly made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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 agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

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 2021-12-24
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello about a month ago I tried to refinance my mortgage with Navy Federal and the process was so unfair Navy Fed lead me to believe I was going to be able to Complete the process it was a told nightmare. They gave me the complete run around I complied with everything Submit it all documentation All the way to the end of the process to be denied due to debt to ratio I issued that they was will Aware of .I honestly feel I was discriminated against Navy Fed made sure that my appraisal came in on the lower end so that I would need to bring more money to closings the reason for refinancing was to do the debt consolidation. So I was treated so unfairly because Navy Federal already know my financial situation they change my closing cost amount because three times Thought I would have no other choice but to back out Bring that higher amount to closing GLB Act Explains how that is against the law to do something like that. I am currently going through a horrible experience with XXXX current mortgage lender Navy Fed is treating me Even worst : And also The first gentleman that I was dealing with me Cause I was XXXX So he send me to someone elsec

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief