BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : The following account is not mine : XXXX XXXX XXXX, Account Number : XXXX Please remove it from my credit report. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

Thank you,

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 2018-03-03
Company: Informative Research
State: CA
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:
Hello, I have hard inquires on my credit report I would like to get removed I have not received loans by any lenders and I have not authorized these things please help me remove my inquires as far as my credit report. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit 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:
I was taken advantage of because I have a learning XXXX and a physical XXXX and now have to speak to this phone to write that someone has stolen and use my card to multiple place and I do not know who. Some people come to help me out sometimes to clean and to general help me out. all of the charges are not mine this is the second time and American Express is discriminating against me because of my learning XXXX and XXXX by refuse to help me. Please just help me. Im tired of people taken advantage of me. I didnt never authorize no one. The lady I speak did not even do anything to fix my balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. Kindly assistance

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 2023-10-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Hi I have ran into a problem on more than one occasion most recently being XX/XX/2023 at citizens bank located in XXXX XXXX XXXX XXXX XXXX XXXX My weeks pay generally arrives late by mail on XXXX  so I go to bank that does businesswith my employer so I can cash the check. When attemptingto do so the teller refuses to cash the check and tells me that I'm doingnothing wrong on my end and that my employer needs to do something in order for me to cash the check. I reply so what am i supposed to tell my employer to do because I can not let this happen again in the future. The teller explains to me that work will know what needs to be done on there end but she can not share that information with me to share with them. I then replied that I was upset with the process I also let her know the last time this happened all I did too fix it was go to a different Citizens bank to cash the check and why she was unable to do so. Her next answer did not make sense either. On this day I also went to differentcitizens branch and was able to cash same check that was deny cashing 20 mins earlier at said location. Im notsure if this a work issue a bank issue or both. But i am sure this is not a fraud issue i am in the bank every week they are aware I am there to cash a check and have no interest in opening an account. I provide ID and hand them a signed check issued from my employer city of XXXX and there bank please help fix this mess thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Credit Karma, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XXXX XXXX I was trying to pay my car note and car insurance bill and my card kept declining. I had over enough to cover the charges. I called the customer number for Credit Karma spend account, and was advised that my card account had been locked by the system. The customer service department told me they could not tell me why. The rep told me that they send a help ticket to the tier one team. They also advised me that it usually takes 24 hours to get a answer. I have continued to email, call and speak with supervisors and still have not been given a answer as to why my account is locked. My account has currently been locked for 5 days now. I have not received a call back, email, or mailed notice as to why my account is locked. The number provided to me as the customer service number says they can not give me a answer and the only thing they are allowed to do is make a email request for me. Im reaching out for your assistance because I cant get any answers on why my account is locked and I have not received a resolution to my many complaints to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
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.

has violated my rights. Or list of inquiries 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 a 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 non-monetary relief
Consumer complaint received 2023-10-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXX, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, that I have never received nor used any credit cards, for the purchases of merchandise, services or for any other purpose. No Purchases or uses have been authorized by or with my consent or knowledge, and no benefit or value has been or will be received by me as a result of such transactions. Furthermore, I have never signed any application requesting the issuance of any said credit card, nor did I authorize any person to use a duplicate credit card issued under the above account number. I declare under penalty of perjury that the foregoing is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
I am filing this CFPB, complaint concerning inquiries placed on my consumer credit files. I was made aware of the inquiries back in XX/XX/2022. When I was sen a letter of denial for credit. On a vehicle loan application. 

From XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX all made on XX/XX/2022. At the time these inquiries were made I was out of town attending a funeral. I did not find out about the inquiries until a week later. 

It was at this time I found out that the loans inquiries were made on the same date. I immediately contacted all three companies and advised them that I did not do a loan inquiry with their companies for vehicle loans. 

I started a complaint with both XXXX, and XXXX XXXX, and XXXX XXXX XXXX XXXX and they advised me that they would do an investigation. I assumed that they would investigate and remove the inquiries. I filed FTC complaints and forwarded it to the companies. And sent a copy to all three major credit bureaus. 

I reeived a copy of my Equifax Information Credit Report today. As, I was checking it I saw that the three inquiries were still on my report. I then called XXXX, spoke with the customer finace in vehicle loans departmenmt. I was advised that they did not see a loan of application for a vehicle. 

Nor, did they see any inquiries with my name for a line of credit. And did not know why a inquiry from XXXX was on my credit report. Infact, they did not even have my name in their systems at all for any line of credit. 

I also contacted XXXX XXXX, and XXXX XXXX XXXX XXXX also. No company could provide me with any application information for a vehible loan at all. Therefore, that this was a result of fraudulent activities. 

I am demanding that this complaint be sent to all three companies. XXXX XXXX, and XXXX, and XXXX XXXX XXXX XXXX XXXX to remove these inquiries from my credit files. Last year I was advised that the fraudulent inquiries would be removed. 

But, apparently were not removed and could not give any infomation as to why they were on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute the accuracy of the information reported by XXXX XXXX on my credit report, specifically regarding the account with the account number XXXX. According to my records and my understanding of my financial obligations, there are significant inaccuracies in the way this account is being reported. 

XXXX XXXX has reported this account as a " charge-off, '' indicating that they have written off the debt as uncollectible. However, the account is still being reported with a balance, which is not in alignment with the definition of a charge-off. A charge-off typically implies that the debt has been deemed uncollectible and has been closed or settled. 

I am formally requesting that the reported account be immediately deleted from my credit report for the following reasons : Inaccuracy of Reporting : As per the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information to credit reporting agencies. Reporting a charge-off account with an outstanding balance is misleading and does not accurately reflect the current status of the debt.

Violation of FCRA : The reporting of this account with an outstanding balance may be in violation of the FCRA, which requires that information reported to credit bureaus is both accurate and complete. Inaccurate reporting can have a significant adverse impact on my creditworthiness.

Impact on Credit Score : The inaccurate reporting of this account negatively affects my credit score, making it difficult for me to secure credit, obtain favorable interest rates, or access various financial opportunities. 

I kindly request that you investigate this matter promptly and remove the inaccurately reported account from my credit report. Please provide written confirmation of the deletion to my address mentioned above. 

Additionally, I request that you notify XXXX XXXX of my dispute and request that they update their reporting to accurately reflect the status of the account as a charge-off with a XXXX balance. 

I appreciate your prompt attention to this matter and your assistance in resolving this dispute. Please find enclosed copies of relevant documents that support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a handyman and work for myself. I fell behind on my mortgage during the XXXX pandemic due to a decrease in income as people were not hiring contractors to come into their homes. I requested a modification and sent in my information. I use my personal bank account for work. I received a denial stating that my income was below {$1500.00} a month and that I did not have the income to support the loan. I then appealed as my income is in excess of $ XXXX  monthly. I then called my lender to check on my appeal and I was told that my loan was no longer eligible for review. I was told I am unable to appeal the denial decision which is inaccurate. I do not think this is fair. I was under the impression that lenders were not supposed to put you into foreclosure if you had a XXXX hardship. I am in foreclosure now and my lender will not listen to me even when I send in proof they calculated the incorrect income. I would like a fair review with the correct income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
During the XXXX Pandemic Credit acceptance was reporting late payments on all three credit bureaus, when it was stated that creditors were not to report late payments due to XXXX  XXXX hardship. I was paying XXXX every XXXX weeks on time not knowing that credit acceptance was still marking me as late. I have XXXX late payments on my account that needs to be removed to help my score increase. my score went down tremendously because of all these late payments that were not suppose to have been reported.

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 monetary relief
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/ I was robbed by 2 suspects that stole my ATM card, and the female was behind me close enough to get my PIN information. They then went on to different bank branches and stole a total of {$8000.00} from my accounts. 

The bank only returned {$3000.00} of the {$8000.00} that was stolen. 

I filed a police report with XXXX XXXXXXXX XXXX - Case : XXXX I have gone into the branch and spoke to the Vice President several times to open up claims, but have not had any resolution since XXXX. 

I went into the bank on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bank refuses to address my claim or return the stolen money back to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29
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: Account information incorrect

Complaint:
My information with XXXX was breached. 
Here is the proof and they refused to delete theee accounts. 
XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : Bankruptcy XXXX. XXXX, XXXX - {$0.00} XXXX XXXX Please remove these accounts immediately as I was a custom of this data breach.

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