BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: Open Dealer Exchange, LLC
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:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have called XXXX XXXX on multiple occasions and they are always telling me that they cant pull up any information about a account for me..This account was fully settled but reports getting XXXX around by everyone who was involved with this account.It seems that none of the credit bureaus are doing a proper investigation on this account because every time I call XXXX XXXX   they cant even pull up an account for me.My disputes are always coming back as VERIFIED but by whom because all I get from XXXX XXXX is I cant pull up the account. Somebody somewhere is not doing their JOB correctly and I have had enough of the XXXX THIS IS AN ACCOUNT THAT I PUT UP MY OWN MONEY TO OPEN AND MY CREDIT REPORT IS BEING RUINED BECAUSE EVERYONE INVOLVED SEEMS TO JUST DONT CARE..

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible. 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 2018-03-11
Company: CITIBANK, N.A.
State: OH
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:
Hello, My Citibank credit card was charged {$290.00} on XX/XX/XXXX by an Internet merchant named SP XXXX XXXX XXXX. I notified Citi on XX/XX/XXXX this transaction was unauthorized. On XX/XX/XXXX, Citi provided documentation from the merchant alleging merchandise was shipped to my home address and the transaction was deemed valid and applied to my account. I assured Citi I neither ordered from this merchant, nor received any merchandise. Also, the email address on the order is unknown to me ( XXXX ) and the IP address indicated the transaction was from Michigan. I was nowhere close to Michigan. I reassert I did not participate in this transaction nor did I authorize anyone. I urged Citi to obtain the carrier information to support my claim. Are you able to assist as I believe the merchant has falsified documentation in order to avoid a chargeback?

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 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called Capital One to close my account in late XXXX because we did not want to incur the annual fee of {$150.00}. I originally asked to waive the fee, but they would not do that. Capital One would not close my card and told me I had to wait until the fee was charged and that then, once it posted, I had 40 days to close my account to avoid the fee of {$150.00}. 

In early XXXX, I inquired again about having the fee waived or closing the account. Capital One told me that they would not waive the fee and that I had until XX/XX/XXXX to close the account to have the fee refunded. 

I closed the account on XX/XX/XXXX with a Capital One agent who confirmed I was within the 40 day window to have the fee refunded and that I should pay my full balance less the {$150.00}. She said that within XXXX to XXXX  days the fee would be refunded. She said that she could not apply the reversal of the fee at the time I closed the account. 

It's been nearly one month since I closed the account and Capital One is now charging me interest on top of the {$150.00} that they promised to refund me. Other than that the account is paid in full and has never been late. 

Tonight, I spoke with a supervisor who said he would not refund the fee and now says I closed the account outside of the XXXX window and there is nothing he can do to reverse the fee. 

I'm extremely frustrated as I followed the rules and confirmed all of this on a recorded line on all the phone calls. The agents I spoke with said they documented each call in the notes. 

We want the fee revered and the account will then be at a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
CHASE SAPPHIRE RESERVE CARD TRAVEL INSURANCE IS FRAUD Chase markets a credit card called Chase Sapphire Reserve with an annual fee of {$550.00}. One of the benefits I pay for is insurance for trips. Ive worked with Chase surrounding a claim in excess of {$400.00} and for 6 months have been given the runaround. 

1. ) Claim was originally rejected after 5 months of waiting 2. ) Rejection stated was the delay was not caused by weather - even though I submitted prove of a blizzard at the connecting airport and a statement from the airline indicating the delay was caused by weather 3. ) I have sent over 20 follow up emails inquiring on status 4. ) 3 months later, no update on appeal 5. ) System says its rejected, no return calls to discuss Chase has committed fraud by marketing the card to offer travel insurance yet makes it extremely difficult to receive any compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: ID Analytics, Inc.
State: OH
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:
My credit report was provided by SageStream to XXXX XXXX ( hereinafter " XXXX '' ) on XX/XX/2019. This report was used by XXXX to deny my application for a credit account with XXXX. A credit rejection letter was generated by XXXX XXXX  on XX/XX/2019. This rejection letter indicated that my SageStream credit score was XXXX. 
At the time of this rejection my FICO score was XXXX. 
I requested and eventually received my SageStream credit report. This report contains my name, address, phone numbers, SSN, DOB, e-mail addresses, and the names of several creditor grantors that requested my report. 
This report contains no information whatsoever upon which SageStream could generate a credit score. There is no information at all about any account or payment history that I have with any creditor. 
In spite of the above, the credit rejection letter listed that I have too few revolving accounts, too few bankcard accounts, and too many serious derogatory items. 
It is my legal opinion as an attorney that the CFPB should investigate SageStream for violations of the FCRA and for fraud. It's highly likely that many more people have been harmed by credit scores having no basis in fact and by willfully erroneous reporting generated by SageStream.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
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:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a Checking account with Chase. I've been receiving checks from XXXX XXXX of the XXXX due to an injury at work. On Friday XX/XX/XXXX, I deposited XXXX different checks with the same amount of {$1300.00} and cash in the amount of {$240.00}. On Monday XX/XX/XXXX. I noticed a hold on my entire account. I could not access any of my funds. I immediately gave Chase a call and they informed me that they couldn't verify the checks I had deposited. They insisted they need a registered phone number of the company to call and verify the checks even though the checks were cleared by Bank XXXX XXXX and the issuer. Chase put a restriction on my account, and I was not allowed to use any of my funds, not even the cash I had deposited nor my existing balance prior to the deposit made on XX/XX/XXXX. I explained I have bills to pay and asked if I could use my existing balance to pay my bills online. They denied my access and was told to wait for the checks to bounce back, so I could regain access. I have been trying to resolve this issue with them for the past XXXX weeks. I've called the XXXXnsurance Company to ask them about this and I was told this was the first time they heard about something like this. The Insurance company has given me several phone numbers for Chase to run in their system, Chase denied all of them, Chase refused to do any research on their own and continued telling me their system would not validate any number. Today XX/XX/XXXX, I noticed my checking account was zeroed out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: Tulsa Adjustment Bureau
State: OK
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX I recently obtained a copy of credit report and XXXX is reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I have requested that they allow me to validate the alleged debt. To provide me a breakdown of all charges, dates of service, and procedures given including fees associated. 
Addictionally, I am allowed under the HIPPA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my requested is twofold and as follows ; Validation of Debt and Hippa Authorization -Please provide a breakdown of fees including any collection cost and medical charges. 

-Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me To send this information to my mailing address listed above and accept this letter as my formal validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt be HIPPA complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I requested FULL documentation of what they received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute : TAB SERVICES THANKS

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Thank you and bless you so much. The XXXX XXXX credit card company XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. Reported that my XXXX  card is 85 percent ratio usege.according to what I have up on the monitoring wall my balances should not be 85 percent high. I don't miss any payments on the card and I call in the payments every month. Because of this recent XX/XX/XXXX reporting to Experian my score dropped 5 points. I believe that I could have been wrongly singled out and that my good credit worthy trust by XXXX was not placed into any consideration. My last name is XXXX. I believe that this is unfair and can seriously damage my future lending journey since it even hurt my good credit score. I don't know what's going on. All I know is that I had filled A complant with you a couple weeks ago regarding this category. Please help me.i am hurt over this because I take my credit worthy Ness seriously. Bless you and thank you too. I am a moral responsible person and I do not miss payments.

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 2023-02-21
Company: Eastern Account Systems of Connecticut, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm one of the owners of XXXX XXXX, we sell printers and plotters here in Michigan. We purchased a large plotter from XXXX XXXX XXXX in XXXX XXXX XXXX. We contracted with XXXX XXXX to pickup the plotter and deliver it to us as per their quote price. They were told what our loading bay was like and we told them that our hi-lo was broken so we would have to have liftgate delivery which is an addtional charge. We expected that they would back up to our standard bay and unload the machine into our warehouse. Instead they dropped it off in the parking lot and then using a pallet jack, rolled it into our warehouse. This is nothing unusual, happens frequently. At some point we get a message from them saying that there we extra charges involved. I contacted XXXX XXXX and they said that there was an additional charge of {$96.00} to have the driver roll the machine into the warehouse. The driver never mentioned that there would be an additional charge or we would have moved it ourselves. Since we are dealer for this equipment, we have technicians and pallet jacks to move this equipment around. XXXX XXXX said they would appeal the extra charge with their carrier which of course was denied. We then disputed the extra charge with XXXX and they ended up refunding the charge back to our corporate XXXX card, we thought that was the end of it.. 
In XXXX XXXX XXXXXXXX I became aware that my personal credit score dropped dramatically. On investigation I found that XXXX XXXX had Eastern Account Systems file a collection on me personally. I never personally had anything to do with this transaction and, in fact the only thing they had was my name relating to XXXX XXXX XXXX XXXX They improperly and illegally obatained my personal information including my home address, social security number, etc., I never provided them with any of this information and they have no signed agreement where I personally guaranteed to pay anyting related to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: NE
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
please review my letters cause the last time i sent you your dispute you said you did not understand it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Home Imp Loan Payment summary 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 CO PAYMENT HISTORY LEGEND Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXX 258 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

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 2023-05-04
Company: DISCOVER BANK
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:
In accordance with Fair Credit Reporting Act XXXX Account # XXXX. DISCOVER BANK Secured Credit Card Charge-Off, 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.

Company response to consumer: Closed with explanation