BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Information belongs to someone else

Complaint:
In XXXX of 2023 I sent all 3 credit bureaus as well as these creditors XXXX, XXXXXXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I went into Chase bank to open a new CD account I then wrote a check for the deposit of {$100000.00} and the check was made out to myself and the check was written from my checking account at XXXX. The women that helped me was XXXX XXXX at XXXX and she told me their system was down but it went back up so she opened the cd account and gave me a receipt showing the account number and funds deposited. I then noticed the account did not show up on my online banking and also when I called the chase phone number it said I had XXXX dollars in the account which was on XX/XX/2023. I went back into the bank twice since the day I opened the account and was told they were working on it and also called the customer service number and was told the money would show up in my account on Tuesday XX/XX/2023 but it never did. I checked with XXXX and the check was cashed and I have a copy of it. It was cashed by Chase Bank. The money still has not shown up in my account online or by phone verification. But was debited out of my XXXX account. I do have the receipt of the deposit. 

I keep getting told it will show up but it never does and I was told this many time. It has been 9 days since opening this account but they did not put the money in my account. The banker XXXX told me that there was nothing she could do that corporate has locked this acct. Also the Vice President XXXX XXXX also said that he could not do anything about this. I have a receipt for the deposit and the copy of the cashed check but where is my money? It is not showing up on my online banking and when I call the Banks phone number and punch in this CD account number it does recognize my acct number and the automated system says I have XXXX dollars in that account. I would like to know what they did with my money. They keep saying its a computer glitch. But nobody is doing anything to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: MS
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:
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. 
I have told XXXX, XXXX, and Equifax to investigate these accounts again : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is it possible if the open date, date of last activity, and much more are incorrect? 

According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that aren't reported correctly.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AX1 ) 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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.

I asked Transunion to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

However, Transunion stated everything is complete and accurate! How is that even possible if the open dates, dates of last activity, balances, and much more is incorrect? 

These accounts are not even in compliance with metro 2 credit reporting, as i have evidence to prove my case.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It is not only irritating but deeply troubling that such a fundamental aspect of my financial history has been misreported, potentially affecting my ability to secure favorable terms for future financial transactions. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The sheer number of inaccuracies is not only irritating but also unacceptable, as it has a severe and unwarranted impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
A comprehensive review of the procedures in place to ensure the accuracy of credit reporting to prevent such errors in the future. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect your bureau to adhere to the highest standards of accuracy and diligence. The continued presence of these inaccuracies is not only an inconvenience but also a violation of my rights as a consumer.

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 2023-11-09
Company: EQUIFAX, 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 writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with XXXX And Equifax Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : OFFICE OF THE ATTY GEN XXXX Balance : {$7500.00} ; ATTYGENERL XXXX Balance : {$7300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

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 2021-07-18
Company: BARCLAYS BANK DELAWARE
State: MI
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:
I received my BARCLAYS credit card bill to find out that I had charges on it that I never made, never signed for, never authorized and didn't know about. I wrote a letter to my credit card company and requested that these charges be removed and explained the situation with them. I called the credit card company as well, they told me not a problem, they will remove the charges and issue me a new card. They did exactly that and everything was fine. I then receive a notice in the mail that they contacted the merchant and was told the charges were valid. I did file a police report with the City Police Department as a crime has happened to me. I then asked them to provide me with proof of me making these charges. They declined and told me that they completed their investigation and the charges stand and I owe it. They are also charging me some crazy cash advance fees as well, in which doesn't belond on my account. I need help with this as I am not getting any help or assistance regarding this account. BARCLAYS will not work with me and have dug their feet in the ground, they will not provide me with information and/or any reasoning. I feel as though BARCLAYS isn't be accountable and personally harming me by their actions. The CFPB is suppose to be here to help consumers and protect us against things like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After recently looking at my credit report, I noticed unauthorized inquiries, and collection accounts reporting to my credit that I do have contracts with

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 2023-08-18
Company: Early Warning Services, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I put in a dispute for the inaccurate information that early warning has on my report and they told me specifically that they cant show me proof that the information they have submitted is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I arrive at XXXX car wash a self serve car wash .I purchased one wash service for {$14.00} and a second service for {$2.00} totaling charges were {$16.00}. Somehow they were batched together by the care wash financial payment processor incorrectly charging my debit card {$1600.00}. On XX/XX/2023 I called @ XXXX XXXX  stating I did not make that charge for that amount the representative communicated to me that it was two pending charges of the same amount which I observed myself on my account. The representative stated that I did not have to do anything that they were going to take care of the dispute. On XX/XX/XXXX XXXX I received a letter stating the provisional credit that was applied since the merchant issued a credit in the amount of XXXX the provisional credit was removed once investigation is completed. I will receive a final letter. on XX/XX/2023 I receive another letter stating that they have made a final determination based on the facts that my claim was found to be valid and that the provisional credit issue is now permanent, and will not be reversed. On XX/XX/2023 I received another letter stating that my account was in the negative for a credit that was determined valid. Ive received three conflicting letters reached out to Navy Federal to resolve this matter. The few representatives that were trying to assist me with the issue expressed that someone in the fraud department failed to do their job every manager or supervisor that I have spoken with failed to return my phone call I had too repeatedly call no one would not return my call. This is unacceptable and unfair this situation has interfered with my well being. Ive have been a member for XXXX but something that was out of control Im the one who has to suffer because of an individual who did not do their job correctly.No one at navy federal did not try to help me with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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:
I am filing this complaint to request the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXXXXXX XXXX Balance $ XXXX This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately ; XXXX XXXX Balance $ XXXX I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately ; XXXX  XXXX XXXX Balance $ XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2019-11-04
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:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX   XXXX not mine XXXX XXXX  XXXX never late XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine PUBLIC RECORDS US BANKRUPTCY XXXX CHPT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: JPMORGAN CHASE & CO.
State: WY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I entered into an agreement with JPMCB regarding an outstanding debt I owed on a credit card. The card was opened on XX/XX/XXXXXXXX  and closed in XX/XX/XXXX. The agreement was to settle the outstanding balance of {$3000.00} by forgiving {$1900.00} reducing the outstand amount to {$1100.00} if I fulfilled a payment plan. The payment plan was scheduled for 8 monthly payments in the amount of {$130.00} and and final payment of {$79.00}. I paid the first payment on XX/XX/XXXX in the amount of {$130.00}. I made additional payments as follows : XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$590.00} * I have filled my part of the agreement but, JPMCB refuses to update the outstanding balance to {$0.00}. I request that JPMCB be directed to update the balance with all the three major credit bureaus or have the entry removed all together. I have tried to dispute with the credit bureau but JPMCB keeps submitting false information to the bureau. 

*Paid off early

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is reporting as a late payment on my report despite having inconsistent historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by TransUnion. This account must be removed immediately for TransUnion is reporting it wrong.

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