BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: Thaxton Investment Corporation
State: IL
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under any open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Incorrect information on 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 2019-09-11
Company: JPMORGAN CHASE & CO.
State: MO
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:
Good morning, On XX/XX/XXXX we bought 4 airplane tickets for a trip to XXXX for XX/XX/XXXX but we were given 3 tickets + XXXX infant on lap ticket. 
XX/XX/XXXX - XX/XX/XXXX : we have tried to fix this issue with the travel website to no avail ( proof phone records and multiple emails ). 
XX/XX/XXXX : we wanted to dispute the charge and XXXX, one of the Chase employees told us to travel like this and then dispute. 
We had asked the travel website about canceling and we were told we had to submit certain paperwork. We DID NOT submit any cancellation paperwork XX/XX/XXXX : we faxed in our dispute and the documents proving we were not going to receive the 4th ticket. 
End of XX/XX/XXXX : we bought new tickets with a different company XX/XX/XXXX : travel website sent email they are willing to work with us and admit their error if we do not dispute the charge XX/XX/XXXX : credit card company requested us to fill out forms and reply to the documents sent by the travel website. One of the forms asked if we had cancelled the tickets. We said yes, since on XX/XX/XXXX we had replied to the travel website that we will not be using their tickets. We have never submitted the required paperwork for cancellation. We have also provided the email with the travel website admitting we were given 3 tickets + infant instead of 4. 

XX/XX/XXXX XXXX, Chase customer service representative told us we can't dispute the charge since the travel website was willing to work with us a few days prior to your departure date. He also said that 3/ 4 tickets were correct therefore the purchase was correct. How long should we have waited for the travel agency to fix this? They only acknowledged their error 6 days prior to our trip and even then we had no guarantees. XXXX said we had only contacted the travel website once even though we had provided 4 emails already to Chse. After the phone conversation we sent the credit company multiple other emails showing our prior attempts at reconciling this. 
XX/XX/XXXX the charge was reinstated with the explanation that we had cancelled the tickets even though the tickets were non-refundable. We have replied that we disputed the charge because we had paid for 4 tickets but had only gotten 3 and XXXX lap infant ticket. We had never filled out the cancellation paperwork and asked the credit company to provide a valid explanation as to why the charge was reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
DUE TO BEING A VICTIM OF INDENTITY THEFT, BECAUSE OF** EQUIFAX DATA BREACH ( CCRA ) **. I SWEAR TO TELL THE TRUTH AND NOTHING BUT THE TRUTH IN REGARDS TO THIS MATTER. I HAVE BEEN SUFFERING FROM THIS BREACH. //// MAKING POLICE REPORTS//// HAVING TO FREEZE MY ACCOUNTS.//// MY MAILBOX HAS BEEN BROKEN INTO, CHECKS HAVE BEEN STOLEN AND CASHED. {$10000.00} MONEY ORDERS TOO AND ON OR AROUND XX/XX/2020, SOMEONE USED MY IDENTITY BECAUSE OF THIS BREACH, TO PURCHASE XXXX XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX IN THE AMOUNT OF {$8700.00} I HAVE SPENT HUNDREDS OF DOLLARS, TRYING TO CORRECT THIS MATTER IN GAS/ MILEAGE/COPYS/ FAXES/ POST OFFICE MAILING I ASK OF YOU IN YOUR CAPACITY, TO HELP ME ALLOCATE MY EXISTING PROBLEMS AND DILEMMA OF FURTHER LIABILITY,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Self Financial Inc.
State: MI
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:
Self is now in violation of copyright infringement laws by misusing my copyrighted commercial property which is my name. I have owned all rights of my intellectual property known as XXXX XXXX XXXX XXXX XXXX since XX/XX/. Self does not have my permission to use my name in ANY capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've been trying to fix my credit, the three credit reporting companies have been showing me a higher score then what its been sending to people that inquire. as of right now XX/XX/2023 my XXXX  shows XXXX and when I tried to refinance my auto loan through XXXX  XXXX on XX/XX/2023 they pulled a XXXX from XXXX, but used an XXXX  pull for my when my wife tried to do the same. 
I have been paying 30 % interest on an auto loan for about two years and can't get a better rate because of all the inconsistencies with the reporting bureau 's and the choice to use on instead of the other is causing me to pay an outrageous fee to own a vehicle.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$970.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 noticed some fraudulent inquiries on my credit report that i did not authorize. Please remove them 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 non-monetary relief
Consumer complaint received 2022-03-04
Company: ALLIANT CREDIT UNION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid alliant credit Union {$600.00} on the XXXX of XXXX, they denied the process was not a bank issue my payment was due on the XXXX which they did not accept on the XXXX and now they hit me for a 30-day late charge and 30-day credit hit. I have plenty of money in my bank account but yet they're the ones that denied the {$600.00} my phone number is XXXX I also have documentation of the payment date and the refusal email on the payment which was dated for after the payment date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have multiple fraudulent accounts opened in my name according to my credit report that I have absolutely no idea about. Below are the list of the fraudulent accounts in my name along with the dates opened and the outstanding balances on them. 
Fraudulent Accounts XXXX. Account Name : [ XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : [ XXXX ] - **Date Opened** : [ XX/XX/XXXX ] - **Outstanding Balance** : [ {$930.00} ] XXXX. Account Name : [ XXXX ] - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX - Account Number : [ XXXX ] - Date Opened : [ XXXX XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX XXXX Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$0.00} ] XXXX. Account Name : XXXX - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$900.00} ] XXXX. Account Name : XXXX - Account Number : [ XXXX ] - Date Opened : [ XX/XX/XXXX ] - Outstanding Balance : [ {$850.00} ] I have written a dispute letter that will be sent to the bureau agencys also

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX  account # XXXX  have 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 states : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse items of information other, than records of conviction of crimes which antedates the report by more than seven years.

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 2023-06-30
Company: WELLS FARGO & COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Wells Fargo sent a credit product, to the wrong address ; the bank denies wrong-doing. Please assume jurisdiction.

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 2023-07-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: CA
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:
I recently checked my credit report and noticed many inquiries that was made without my knowledge. I am requesting once again to have all these fraudulent inquiries removed from my credit report : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX  XXXX XXXX Inquiry XXXX : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : Miscellaneous XXXX Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Reason XXXX Miscellaneous XXXX Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX : Miscellaneous

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 2023-08-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/23 while attempting to purchase items from a gas station, my phone and other personal items were stolen. My phone wadny locked at the time. The thief completed 2 transactions before I could disable to device. One for {$1.00}, followed by a second for {$1900.00} ( clearly fraud ) which emptied my account. I filed a claim with Chase bank. However the claim was denied. When I asked what specific evidence I'd need to appeal, they could not provide me with specific info. I've submitted info from XXXX as well as my Police report. They refuse to reopen my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Convergent Resources, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I just filled this out.. 
XXXX.. This is what I mean.. 
A woman XXXX XXXX is using my Ss # and I pay my bills and everything on time. 
I've contacted everyone that I'm supposed to.. 
But my credit score is getting worse and worse every day. 
I know about this woman because of XXXX. 
And I was in XXXX for 3 years...

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 2021-11-04
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: Investigation took more than 30 days

Complaint:
The attached documents show XXXX failed to live up to the terms of the XXXX for my Private Student Loans they acquired from XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX response to CFPB ( page 17 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 14 of the attached doc ( p. 4/6 of XXXX ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) XXXX  was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 23 - 24 ) Thus, XXXX improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order 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 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
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:
These accounts are reported incorrectly and do not belong to me, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit report has delinquent marks on my account while mortgage relief applications during the XXXX pandemic were being processed and I have been approved for {$23000.00} + and XXXX XXXX received funds. I am searching for other options but I am told about the info and I can't be helped at this time. Originally My mortgage {$860.00} has never missed or late payments XXXX and I personally pay my property taxes, insurance and HOA. XXXX pandemic my payment became delinquent property taxes and while my XXXX was in final review my lender paid the taxes so I was disqualified and application had to be cancelled and caused me to be in shortage {$1900.00} plus more fees. My payment is now {$1200.00} and I get foreclosure in 30 days I receive {$1600.00} 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 2021-04-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A mortgage lender attempted to pull credit file from Equifax but unable to do so. I called Equifax and there seems to be no issue ( no freeze, etc. ). The lender is still unable to pull credit file from Equifax.

Company response to consumer: Closed with explanation