BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The sale of personal information to collection agencies and bureaus dark pattern that is hurting my credit.

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 2022-03-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I logged into my Chase checking account. I discovered over $ XXXX in unauthorized transactions going back to XX/XX/XXXX. They were all listed as XXXX transfers and instant transfers, none of which were mine, ranging in value from {$1.00} up to almost {$500.00} per transaction, usually 2-4 charges at a time of the same amount. I never once had received any alert from Chase as to this unusual activity on my account. The transactions were not through my XXXX account, but evidently a " guest account ''. Chase bank says they will only reimburse for the 1st 60 days since the first transaction was made, claiming I should have been looking at my statements. In writing, they responded : " We will not be crediting certain transactions because you are responsible for any transactions that occur more than 60 days after we send the first statement on which these transactions appear, which was XX/XX/XXXX. '' With a XXXX XXXX XXXX husband who is also in the XXXX XXXX XXXX XXXX and a child struggling with remote learning over XXXX, the last thing I had/have been thinking about over the last year was monitoring my checking account. I fully expected to receive alerts if there was unusual activity. I repeated reached out to Chase to help from XXXX, but to them, I am " just a statistic '', as my Chase Private Banker told me, with condolences. 
Likewise, XXXX has been terrible to work with, from filing inaccurate claims with only 1 transaction included that was an authorized transaction, then denying the claim and closing the case, to providing me with fake case id numbers, to sending me from one department to another, only to be told that they are not responsible for this activity.

I hope that Consumer Finance can publicize Chase 's unethical treatment of their client, and hold them responsible for reimbursing us the {$11000.00} that was hacked from our checking account. Additionally, I hope that you can publicize XXXX 's irresponsible mishandling of my complaint and data leak.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions 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:
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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 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 2023-12-04
Company: EQUIFAX, 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: OR
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 called the 3 Credit Bureaus after I purchased a credit report with IdentityIQ on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that this account will be corrected. 


XXXX XXXX Balance : {$0.00}

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 2021-02-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX  has lost 3 police reports but nothing else. I now misplaced the reports they admit loading. The police reports weren't even needed but they lie and don't change nothing until you have one. So they deleted some hard inquiereys but there were 2 if each. So they deleted the first date off report but now they can't find it. It is 3rd time I sent two reports the police hated doing because this is fraud happening but not police fraud. I also used the FAIR CREDIT REPORTING ACT. They have my laws and what I asked for? They didn't do any of it and there 45 days are up. They lie and say the fair reporting agency doesn't apply to them. Probably because they are located in XXXX. Anyways they had their time and I sent them these small items but they refuse even with reports they used but now list. They do have my fcra sections 609,623 and 604. But they say they laws don't apply. I want the 5 hard inquiries that my ex put on my report off, the 2 late payments on XXXX XXXX  and XXXX credit cards that were mistakes off and the 7 year old fraud case of XXXX dollars somebody got card and took all of it out in cash. The credit can't company didn't inform me or the credit butesus. I we antbthst off like the 2 other agencies took off.

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 2022-04-14
Company: RFNA, LP
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It was said that in the event of not paying the loan, the auto that was used to secure the loan ( collateral ) would satisfy the debt ( personal loan ) .The vehicle was voluntarily surrendered to Republic Finance LLC . There is no knowledge of the vehicle being sold or auctioned off. No correspondence has been received nor did they deduct anything from the balance owed. All that I am seeing on my consumer report is interest being added to this account every month. Inaccurate information has been reported on this account since being in collection/ charged off. Disputes have been made with updates only. Republic Finance LLC should be held accountable for reporting false, inaccurate, information on my consumer file. This account has been inaccurate since XXXX. The following laws have been violated : 1681s-2 ( a ) ( 1 ) ( a ), 1681s- ( 2 ( b ) ( i ) 1692d ( 1 ), 1692e ( 2 ) ( a ), 1681b ( a ) ( 2 ). Amount owed {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had got notification that a td beyond checking account was opened in my name on XX/XX/. I never went in or asked anyone to open an account in my name. I was calling the given number to get this issue corrected. Only thing I got was automated voice. Today I decided to go to any Td bank to find out what was going on. First I went to the TD bank in XXXX XXXXXXXX. I ask the service guy about the account and that I did not open one up. I then showed my id and social and asked him could he give me a printout. When I received the printout it had an outdated address. He refered me to one of the managers, I talked to him for awhile. He told me where the account was opened up at. I was told the TD bank on XXXX XXXX in XXXX XXXX. I asked him should I go talk to them. Hw said yes, he gave me the address. I went to the XXXX XXXX branch location calm and collected. Since I walked through the door I was treated like I wasn't welcomed. The young lady ask me what I was there for, I told her I was there because it was fraudulent activity on a account with my name on it that I never physically open up. The young lady had I guess an attitude she said I would have to go to the police station and file a report, which I did. The officer gave me a card with a case number on it. He told me to tell the bank to call him, it would be handled. I drove back to the bank location and handed the young lady the card after waiting for 25 minutes while both bank teller was talking to a customer about football. Notice I am a minority, was or did I feel discrimination existed? Of course but that is besides the point. I asked the lady numerous times could I get a printout of transactions, she gave me the runaround with tons of excuses. I left got home and called the Branch Manager, which got even more awkward. He act like he didn't care. I told him I went to the station. I was trying to see who open these accounts and how could someone come in their branch with my identity, even though I did have my id, and social security card stolen a while back during an home invasion it's all documented and reported. How can someone open an account who does NOT!!! LOOK LIKE ME? I tried to reason with these people but they act like they are hiding something or getting high. I want to know exactly who open the account in my name and I would definitely like to pursue charges. They branch manager lied and said a family member opened up an account in my name. Why would he say that? Why they been didn't say anything. Also if that was the case which it isn't. Why would they let anyone open an account in person without me? Sounds suspicious. He was like the account closed, that's not good enough I want to know who is opening accounts in my name and why

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX  XXXX XXXX   XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-04-21
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was offered 11.95 % at the the time of application. They generally honored it until recently. Late in XXXX I was bullied by feeling over pressured by a representative by the company asking my permission to increase rates. I politely said " no '' by explanation that I was offered the rate and it was why I applied. She mentioned something about don't I want to increase my limit. I said I haven't applied for it because of the threat of the increase in rates. She asked again. I politely explained " no '' in a certain way. She rebuttaled another thing ... This is upsetting because someone told me she broke the law by continuing to ask but I have a XXXX XXXX and it was not explained to me that I have a choice. My rate should be lower. I still have the same limit. The limit isn't the problem. It is the interest rate. I will now stress myself out to pay it off each month if it gets high when as before I would just be willing to pay it. I don't deserve this. I haven't been charged interest on the new rate but as it stands I don't intend to...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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:
There are several accounts that are reporting inaccurately on my credit file. The following accounts are reporting inaccurately for the following reasons : Incorrect Personal Information : Names : XXXX XXXX ( XXXX ) Names : XXXX XXXX   ( XXXX and XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & XXXX ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  & Equifax ) Address : XXXX XXXX XXXX XXXX XXXX Equifax ) Inaccurate Late Payments reporting on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : XXXX. I was never late ( Equifax, XXXX, XXXX  ) Identity Theft or Fraud Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : XXXX. I was never late. ( XXXX & Equifax ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$1600.00} ( XXXX  ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2900.00} ( XXXX  ) XXXX XXXX - Date Open XX/XX/XXXX ( XXXX  ) ; Date Open ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$18000.00} XXXX  ( Equifax, XXXX, XXXX  ) Unauthorized Inquiries : XXXX  - XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX  XXXX  XXXX   XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ( 4 TIMES ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
discover card was open without my consent of the amount of {$1000.00} need this matter closed and be taken from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: JPMORGAN CHASE & CO.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX JPMCB  HL XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: KY
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:
The following accounts does not belong to me and I'm respectfully requesting that these unauthorized accounts be removed. I've requested a Method of Verification for this investigation, I've requested physical documentation all to no prevail. The credit bureaus can not relay on electronic verification, nor shall they ignore a consumer inwhom identity has been compromised. And before these credit reporting agencies report accounts to a file they must be thoroughly and physical verified. I'm asking that these accounts be blocked and removed immediately. 

1 ) XXXX  XXXX {$470.00} 2 ) XXXX/ XXXX 3 ) XXXX XXXX {$610.00} 4 ) XXXX XXXX {$10000.00} 5 ) Dept of ED/XXXX {$4500.00} 6 ) Dept of ED/XXXX {$3500.00} 7 ) Dept of ED/XXXX  {$2200.00} 8 ) Dept of ED/XXXX {$2100.00} 9 ) Dept of ED/XXXX {$2000.00} 10 ) Dept of ED/XXXX {$1800.00} 11 ) Dept of ED/XXXX  {$1700.00} 12 ) Dept of ED/XXXX {$1300.00} 13 ) Dept of ED/XXXX  {$1000.00} 14 ) Dept of ED/XXXX {$1000.00}

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 2022-08-07
Company: Experian Information Solutions 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:
This is NOT a duplicate! This is a complaint regarding the investigation done by both the creditor and EXPERIAN. I am representing myself. I am NOT a third party. I have also attached a utility bill and a photo of my social security card for proof of identity. 

XXXX XXXX is reporting XXXX late payments with XXXX and XXXX but XXXX is reporting I have a late payment with Experian. This is a violation and there was NOT a proper investigation done either. 

On XXXX XXXX I submitted a complaint for the account with XXXX XXXX XXXX XXXX XXXX XXXX *Complaint details are attached for proof* According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's 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. 

They stated my account was accurate but, how is that possible if they did NOT do a proper investigation according to the law? And again, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. Lastly, Experian says the complaint was submitted on the XXXX of XXXX which is FALSE. The complaint was submitted through the CFPB on the XXXX of 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 2023-09-19
Company: Experian Information Solutions 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:
This is my first endeavor to tell you that 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. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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