BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be 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 explanation
Consumer complaint received 2020-12-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase offered discounts on certain products to purchase using rewards points earned on credit card. Over a month and the order is still not received. Customer Service was rude and unapologetic for the lack of coordination with Chase 's vendor to fulfill orders. Information about the status and communication of the status was not readily available and difficult to ascertain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I'm on XXXX XXXX but for some reason you won't let me dispute the problems directly on the website but there are multiple issues 1. )  XXXX XXXX XXXX says I owe {$360.00} says original creditor is XXXX but I've never had a XXXX card as you can see there is no XXXX cards listed on my credit report I was a victim of identity theft a few years ago I don't know if this has anything to do with it or not but this account with this collection agency does not belong to me and if XXXX thinks that I owe money than they need to contact me I'm requesting this be removed from my credit report as soon as possible 2. ) There are two XXXX XXXX  XXXX  one says I owe {$2400.00} the second one says I owe {$6600.00} these were part of  the identity theft that happened back in XX/XX/2016 for the life of me I do not know why they're still being reported the accounts didn't belong to me whenever they were opened and they still don't belong to me they need to be removed from my credit report immediately unless you have some proof that they belong to me if you don't have any proof then remove them please as soon as possible 3. ) There is a closed XXXX  XXXX XXXX account says that I owe {$5200.00} this was also part of the identity theft every other bank realizes that this account was not mine and it's been removed I do not know why it keeps getting reported so far at the bank has not been able to provide any evidence any signatures anything concrete that proves the account is mine everything they have is circumstantial doesn't really prove anything they have account statements well yes whoever the thief was was using the card of course you have account statements unless you have some proof I want this removed immediately even the police are aware that back in XX/XX/2016 I was a victim of identity theft everybody was aware of it we're going on three years later and you still haven't fixed this I'm not going away until it gets fixed this account does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: Home Loan Center, Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
While on the lendingtree.com web page i was seeking an installment loan, I was re-directed to XXXX, who presented itsself as a genuine loan company. I followed the procedure,, then XXXX wanted my bank rt # and acct # to proceed, i supplied them with the information, believing they were the financial co that would be processing my loan, only to find out that i will need to supply them with my credit score from a credit resource they are affiliated with, for absolutely no cost, When i get to the XXXX  XXXX XXXX XXXX i find out i can not proceed with my loan request untill i submit my credit card info and pay {$1.00} for the credit report, i submit the required {$1.00}, I see the report an then am put into a forced agreement telling me that i have now purchased a {$39.00} per mo credit XXXX product and the only way out is to phone them within 7 days to cancel. I immediately stay on the site and search for the telephone # to cancel. after A WHILE ii find it and cancel. so now i have no credit report, my banking information was fraudlentuly required by XXXX. and u don't have a clue why they require it, a waste of multiple hours, leaving myself open to identity theft. and I want Lending Tree to change their policy 's concerning, where customers are directed to when they think they are dealing with a reputable company represented by Lending Tree. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent an email giving transfer information into my bank at Chase.com someone intercepted the message .... changed my email by adding an s to the end of it. my correct email is XXXX scam email was XXXX. added s to end they sent the email below to my recipient and then tried to change the bank info and account info. 

My team was smart enough not to do the transaction without contacting me. BUT THIS WAS OVER a {$100000.00} transfer!!!! 

From : XXXX XXXX XXXX Sent : Monday, XX/XX/2019 XXXX XXXX To : XXXX XXXX XXXX Cc : XXXX XXXX XXXX Subject : Re : FW :  One wire was returned XXXX, Sorry i did not inform you earlier XXXX XXXX and myself had a joint account and there has been projects going on which funds will be needed in the provided account. 



I just talked to XXXX, He informed my name should be able to receive funds but due to the bank delay with upgrade XXXX XXXX has to be the account name. Currently i am not at the best place to be reached, But i will do all i can tomorrow to confirm this, If i cant i will send an email. 



Thank you, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: IN
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:
Account was paid XX/XX/2022. XXXX XXXX ( XXXX ) reports negative payment history until XX/XX/2022. 

Account was paid XX/XX/2022. XXXX XXXX XXXX ( XXXX XXXX reports it as a charge off in the payment status section. 

I disputed this with them 3 times and they said that they will not change the charge-off because its a charged off account but the correct place to indicate the account is a charged off account is in the ACCOUNT TYPE section which it currently does. But they want it also in the the PAYMENT STATUS section which is what Im disputing because since the account is paid it should show PAID. To have charge off in the payment status indicates that this account was never paid off and it is a violation of my FCRA rights to report it this way. XXXX XXXX  ( XXXX ) tried to get around this by putting paid in the notes section of the account but I lost 40+ points due to them updating the payment status and payment history with incorrect information. So just like they changed those sections to report NEGATIVELY, they should be able to go in and undo the inaccurate NEGATIVE information so it can have a positive effect on my score. PAYMENT STATUS SHOULD SHOW PAID! And PAYMENT HISTORY SHOULD NOT SHOW NEGATIVE HISTORY PAST XX/XX/2022 since I paid it XX/XX/2022. XXXX XXXX ( XXXX ) has to update the actual report not just add notes onto the account because i lose points based on whats in the payment history and payment status section NOT whats in the notes section on the account. They are being lazy and are not doing bc the due diligence to correct this. They have sent me correspondence that verifies everything Im saying but when they resolve the matter all they do is add a note to the account they do not change the inaccurate information. 

If they are reporting the right information then equifax is not up updating it correctly but I dont think thats the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
I reached out to the bureaus months ago in regards to improper reporting on my credit profile. I still have not received any results or paperwork in regards to the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries 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 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  Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 CHIME closed my checking account for no reason. My account had XXXX in it that I can not access and I can't get back. Where I was supposed to sign in there was a notice for me to contact customer service for further information. Time does not have anyone who answers their XXXX number all they have is an email where you can contact support I went back and forth with support for 3 months sending in about 40 different forms of verification of my identity and eventually I was sent a check beginning of XXXX the checks dated for XX/XX/XXXX. I went to XXXXhree different places and then the bank where the check says it was issued from all three places told me to contact the issuer and the bank said that the check had never even been issued it all is that it was invalid it wasn't popping up in the computers they couldn't find it. So I contacted time again now they're telling me do I have to give them another email address the one I'm using is on fire live use the same email address for the entire conversation with them all the way back in XXXX I don't even use another email address and they're just trying not to give me my money I have pictures of the check in the entire conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
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:
This is reported with inaccuracies. It's been reported 3 times. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence. I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. This is an inaccurate address. 

According to the Fair Credit Report Address : XXXX XXXX XXXX XXXX TX XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 








XXXX XXXX XXXX XXXX TX XXXX XXXX Single family XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy ( there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy, 15 usc 1681 section 604a sec 2 consumer reporting agency can not furnish an account without my written permission 15 usc1666b a creditor can not treat a payment on a credit card account under an open end consumer plan as late with any purpose.

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 2023-09-16
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 2021-09-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
It's been more then 90 days since I send out letter with no response until much later date. 
I have been trying to take care of the account but can not do it online nor over the phone. So there seem to be no way to make the payment. They make it very difficult to take of this account. And it's affecting my credit all this time. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain 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 mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: PA
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:
Inquiry date XX/XX/21 - XXXX XXXX - DID NOT AUTHORIZE Inquiry Date XX/XX/21- XXXX - DID NOT AUTHORIZE Inquiry Date XX/XX/21 - XXXXT XXXXXXXX XXXX XXXX DID NOT AUTHORIZE Inquiry Date XX/XX/21 - XXXX Of XXXX - DID NOT AUTHORIZE Inquiry Date XXXX XXXX  XXXX - DID NOT AUTHORIZE

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 2020-02-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i received a threatening letter in the mall from HRRG for a medical bill related to my XXXX  son. I have XXXX and PAY NO MEDICAL BILLS at all. These service dates are associated with the XXXX of my son, which was XX/XX/2019. 

I called the number included in the letter and was rudely handled then hung up on one of the female agents. I called back and requested a supervisor. The young lady who answered claimed she is the supervisor. Her name was XXXX. I recorded the call to send to the news, the FL attorney general, the US attorney general, as well as filed a complaint with the CFPB, FCC and FTC as well as a Florida XXXX Complaint. 

You all are attempting to collect a debt not owed and has been taken care of by state of florida XXXX  program.

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 2023-01-16
Company: EQUIFAX, INC.
State: ID
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 uploaded and sent, fax, information under law about the fair act with the credit bureaus and the information is incorrect of accounts and inquiries that are not mines. And they haven't removed nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 : XXXX XXXX XXXX - account number : XXXX Account name : XXXX XXXX XXXX - account number : XXXX Account name : XXXX XXXX XXXX - account number : XXXX Account name : XXXX XXXX XXXX XXXX account number : XXXX Account name : XXXX. XXXX, XXXX - account number : XXXX Account name : XXXX XXXX  XXXX account number : XXXX Account name : XXXX XXXX XXXX - account number : XXXX Account name : DEPT OF ED/XXXX  - account number : XXXX Account name : XXXX  - account number : XXXX These accounts have violated my rights.

15 U.S.C 1681 Section 602 A. States I have right to privacy. 

15 U.S.C Section 604 A Section 2 : It also states 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 for 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