BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: JPMORGAN CHASE & CO.
State: NV
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:
Chase marriot bonvoy card have been advised immediately, regarding scam made and charged to my credit card in the amount of {$200.00}. We need to register with XXXX XXXX XXXX XXXX and provide proof of registration. We submitted thru internet all informations required. At the end, we did not get the required proof, however my credit card was charged {$200.00} ( {$100.00} each my wife and I ). 
This happened last XX/XX/2022. After so many exchanges of communications, the company said their investigation found the billing to be valid. I disagree with their investigation for the following reason : We can't contact the vendor, no contact info. The transaction was done thru internet. 
Invalid charged because the product purchased was not delivered. 
The invalid charge was reported immediately to Chase. 
In view thereof, I canceled the card and did not pay the balance of {$200.00}. 
As a result, my credit rating was reduced from XXXX to XXXX as of this month. 
Please help. I can't support scammers. 

Thank you XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: DC
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Today XX/XX/22, I called Citibank and spoke with a supervisor XXXX in Florida. I requested that o ask for interest charges to be reversed. I have never asked for this before nor have I been late. I have been a customer for over 5 years and they were not willing to work with me. I was just a couple of days after the due date and paid off my balance as I always do. I just want to say that this is disheartening that a bank could be so cold. The hardship of living in this new norm along with the high price of inflation hasn't made it any easier on us. This is so wrong that Citibank is unforgiving and not willing to ease the financial crunch in our lives.

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 2022-11-08
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX, XXXX and XXXX XXXX accounts on my credit reports should be listed as paid, however they are being listed as charge offs. I have contacted the credit bureaus to resolve this issue however the issue still hasnt been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2022-03-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I logged into my HSBC USA account to make a credit card bill payment. I have XXXX cards with the bank, one I use regularly the other I use minimally. Upon logging in I noticed the balance on the card I use minimally had a balance of {$2700.00} cleared charges and multiple pending charges. The cleared charges were clearly made at businesses outside of the United States and were made during an 11 day duration. They also surpassed the credit lime on the card by {$20.00} or so. HSBC Bank claims to have an automatic fraud alert system that notifies customers via text or email when suspicious charges are made yet I received absolutely nothing. I reported the issue to the bank immediately. I was told the balance on the card would be reported to the credit bureaus as fraud and that my score would not be affected as I am actively looking to purchase my first home and my rates and purchase price are primarily based on my credit score being excellent. HSBC reported the balance to the bureaus but failed to identify them as fraudulent. Having a such a high balance in addition to it being over my credit limit caused my XXXX score to drop by XXXX points and my XXXX to drop by XXXX points. My XXXX score has not been updated as of XX/XX/XXXX but is sure to. I immediately called HSBC to inquire about the fact they didn't specify the charges being fraudulent on the reports and they had no reasoning nor could they explain why I was not notified via text, email, or phone call about suspicious activity on my account. Due to all of this I am unable to purchase a home until everything is resolved which, according to HSBC and my lender, could take up to 60 days. This leaves me in a position of losing opportunities to buy a home within my price range because of prices rising but also forces me to lose the opportunity to take advantage of low interest rates due to them skyrocketing. This will, in the end, cause me to spend hundreds of thousands of dollars over the years. It has left me emotionally and mentally distressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on 08/18/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions 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:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

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 2022-03-25
Company: Auto Trakk, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I have disputed several times through credit reporting the incorrect reporting on my credit they reporting me as 90 days past due they are reporting the incorrect date of last payment I am asking for the information to be updated or removed from my credit report immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
credit bureau is consistently reporting the wrong personal information. I have faxed over ss card, ID, bills, etc to get information corrected nonetheless they are continuing to report incorrect information. The incorrect reporting is hindering me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting Act. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It 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. 

This account has already been verified as INNACCURATE AND REMOVED from XXXX and XXXX. Transunion is still reporting this inaccurate account. I formally request this account be removed from my consumer report immediately due to this account being inaccurate. These are the responsibilities of furnishers of information to consumer reporting agencies to maintain accurate information. The account has inaccuracy for the term duration and never provided original written contract between myself and XXXX XXXX XXXX. I attached my updated consumer reports from both XXXX and XXXX showing that it has been removed as well as the dispute results from XXXX showing that it has been removed.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX has been paid and closed since XXXX  but on my report, this is still showing. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX XXXX TransUnion is violating my federally protected consumer rightsXXXX XXXXXXXX & TransUnion is furnishing a consumer report that claims I have 2 separate accounts from XXXX XXXX XXXX , opened XX/XX/XXXX and XX/XX/XXXX. Neither of these are reporting any sort of account number whatsoever, yet they are showing up as negative information on my consumer report and are severely harming my personal reputation. These reports are inaccurate and are not in accordance with 15 USC 1681e ( b ), which clarifies that maximum reporting accuracy is imperative. These accounts do not exist without valid account numbers. They need to be removed from my consumer report. 
-Also, XXXX XXXX XXXX XXXX TransUnion never provided a clear and conspicuous opt out form in accordance with 12 C.F.R. 1016.7a.-If they continue to furnish this information after I am now clearly opting out and revoking my consent for this information to be furnished, this report will now also be a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates.

-Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d )
( 2 ) ( A ) ( i ) .-XXXX, XXXX & TransUnion is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a
) ( 5 ), they are not allowed to post this information.-It is clear that XXXX, XXXX & TransUnion has violated many of my federally protected rights by furnishing this information on my consumer report.

-According to 15 U.S.C 1681n ( a ) ( 1 XXXX XXXX XXXX XXXX & TransUnion is liable to compensate me {$1000.00} per violation, totaling several thousand dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system. 
XXXX, XXXX XXXX TRANSUNION MUST IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CONSUMER 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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below.

i have already disputed with each bureau on XXXX XXXX XXXX,

but they did not remove these items. Sec. 602 States I have a right to privacy. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This was my 3rd submission of complaint through CFPB, and today this complaint was directed towards XXXX and TransUnion Credit Bureaus. As when I recently updated my 3 Credit Reports I found that the XXXX XXXX had wonderfully removed all the stated items that I requested them to remove. And today I only have some remaining issues in my XXXX and TransUnion XXXX XXXX. So, I am once more respectfully asking XXXX and TransUnion Credit Bureaus to please remove these remaining items that I listed in these complaint : XXXX : XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} TRANSUNION : XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 never applied for a credit card with XXXX XXXX This report on my credit file is incorrect

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 2023-03-11
Company: ALLY FINANCIAL INC.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Existing complaint with ally bank. They have STILL not processed my bonus that was due on XXXX XXXX, XXXX. They have my recoded phone call stating that they would pay a {$500.00} bonus, along with getting my account opened and the request to transfer my money to their bank. They also have my messages in their system directing them to transfer {$50000.00} from my XXXX XXXX XXXX XXXX checking account to open an ally bank savings account. I wonder how many other customers they are not paying a bonus to for THEIR failure to transfer in their funds? Every time I have to contact them, AGAIN, or to contact you, the punitive damages for their failure to properly transfer my funds and to pay me the promised bonus should be increased.

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 2022-03-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
on XX/XX/XXXX i placed an order for delivery by XX/XX/XXXX XXXX on XX/XX/XXXX they advised me the shipment was delayed and would arrive on XX/XX/XXXX when i will be out of town so i canceled the order. on XX/XX/XXXX i received another e mail telling me this canceled order would be delivered on XX/XX/XXXX. i then canceled the order online again and attempted to call them after XXXX minutes they system said goodbye with me ever reaching a human. I then attempted to call citi bank which is the issuer of said card. they were at least able to give me the correct number to call. i called and canceled said card however i no longer trust wayfair to do anything correctly and believe them to be playing fast a loose with the rules

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: NY
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 never applied for a credit card with XXXX XXXX  This report on my credit file is incorrect

Company response to consumer: Closed with explanation