BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six complaint and I want to tell you that I am a victim of identity theft and I am submitting this request for you to investigate some inaccurate informations on my credit file. I found out that these inaccurate items does not belongs to me nor i never signed any agreement regarding this. Since it is a necessity by regulation 605b of the FCRA that these inaccurate items must be deleted on my file. I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These erroneous items must be remove on my credit file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$18000.00} ; XXXX XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance : {$230.00} ; XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$18000.00} ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: CA
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 contacted XXXX multiple times in regards to an account I used to have with them which shows a delinquency for some reason. I have been with them for over ten years. Out of nowhere XXXX decided to close my account with them despite my prior XXXXen years of history that I had with them. On XXXX of the account that was closed, I still had a balance that I was making my monthly payments on. However, after the accounts were closed, XXXX decided to make another arbitrary decision and restrict my access to the online banking software and thus restricting my method of payment. I couldn't reach them over the phone to make my payments because every single time I contacted them they were unable to help me and they thought that I had to speak with the Fraud Department of XXXX for some reason. I never claimed the account was fraudulent, I always told them that I had to make a payment but by the time that XXXX was able to process my request they gave me the worst time ever which led my account to be delinquent and past due on the payment. XXXX from the beginning of this calendar year of 2021 and they have been passing judgements and arbitrary decisions regarding my accounts and personal information. I had flawless history with them yet the decided to close my accounts. Then, they decided to make another arbitrary decision of restricting my access to the online banking software so I can not make my payments. Ever since then, I have been contacting them personally to make my payments through the phone.

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 2019-06-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, CHASE Home Mortgage has lied to me and my family for the past 6 years playing games with my home. At the beginning of this year CHASE HOME MORTGAGE told me to email all my financial documents since the interest rates dropped and i was eligible for a loan modification to be able to avoid foreclosure. 

After 3 months under review for the 5th time with CHASE HOME MORTGAGE they told me i was not eligible because it is not on the best interest to help me avoid foreclosure and the only way to avoid foreclosure was now to apply for a short sale which Now CHASE HOME MORTGAGE is telling me that i have no options because the investor of the loan is CHASE and they don't feel like helping me avoid because of my history and background.

Due to the fact that CHASE Home Mortgage is the servicer and owner of my loan, XXXX XXXX from the escalations team phone # XXXX told me that they will not help me in any way because my investor which is CHASE HOME MORTGAGE doesn't not comply with any short sale regulations any longer, XXXX XXXX from the escalations team phone # XXXX also told me that even if i filed a complaint with the CFPB, OCC or the State Attorney General nothing will change since those government agencies are on their side with the new administration. 

As a homeowner trying to do your best to avoid foreclosure i don't believe this is fair for me and my family. ALL IM TRYING TO DO IS END THIS NIGHTMARE FOR GOOD! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NV
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 HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT, FRAUDULENT, AND OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER, THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT IT COMES BACK VALIDATED EVEN THOUGH THE INFORMATION IS INCORRECT AND FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I tried to remove unfamiliar negative accounts # XXXX, XXXX, XXXX, XXXX numerous times and they keep appearing on my report. 15 usc 1681e ( b ). Has to be complete accuracy on my report and I am unaware of any of the following accounts.

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion, and XXXX  have been reporting an XXXX XXXX account {$4600.00}, XXXX XXXX Account {$0.00}, XXXX  XXXX XXXX account {$3700.00}, and XXXX XXXX XXXX XXXX XXXX account {$0.00} Limit {$3000.00} that I did not give my written consent to them to report anything. As stated in 15 USC 1681 ( b ) ( 2 ) Permissible Purposes of Consumer Reports. " In accordance with the written instructions of the consumer to whom it relates. '' I have tried numerous of times to get these items removed and each time they respond with they verified these accounts which is false. According to 15 USC 1602 I am the original creditor, and only the original creditor can validate a debt, which I do not.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: FL
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:
EXPERIAN lowered my score XXXX XXXX  illegally for not accepting their add on services that they are XXXX using an old debit trying to process payment that they are unsuccessfully doing, and when I called to them to stop they removed it from my account and decided to be deceptive and abusive by lowering my credit score by XXXX XXXX and when I disconnected XXXX XXXX they also lowered my score by XXXX all in a matter of XXXX XXXX  This is illegal and someone needs to investigate this company for this abusive behavior on consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report 3.Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
7 Validate Account NCA Account XXXX : XXXX Please remove it from my credit report. 
8.Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report XXXX10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report 11.Validate Account XXXX XXXX  Account Number : 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 non-monetary relief
Consumer complaint received 2018-02-01
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
I have been listed on a store charge account as an authorized user. I contacted the primary account holder to contact the lender to remove me as an authorized user. She contacted the lender on XX/XX/XXXX and the lender process the request to remove my name from the account. I pulled my monthly credit report from my monthly monitoring service ( XXXX  ) today ( XX/XX/XXXX ). This charge account is still listed on my credit report. I have contacted the primary account holder if she can contact the lender and ask for a " courtesy update '' on the correct information to the credit reporting bureaus. The lender advises they are unable to process that request. 

Thank you!

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 2023-09-01
Company: P&B Capital Group, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Charges are a result of identity theft as I did not charge or authorize any purchases from 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 2023-06-22
Company: EQUIFAX, INC.
State: LA
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:
I sent the attached document to Equifax, XXXX and XXXX on XX/XX/XXXX and have not received a response or documents to validate the listed items on my consumer report. As of today XXXX/XXXX/XXXX these items are still listed on my consumer report. Below I have listed the accounts names and number that are showing on my consumer report that I requested to be verified since I do no recognize these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date : XX/XX/XXXX Dear Credit Reporting Agency, I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX - XXXX - This is not mine - please remove this inaccuracy from my report XXXX XXXXXXXX XXXX XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX XXXX - XXXX - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
XXXXNQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: CA
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 contacted XXXX multiple times in regards to an account I used to have with them which shows a delinquency for some reason. I have been with them for over ten years. Out of nowhere XXXX decided to close my account with them despite my prior ten years of history that I had with them. On XXXX of the account that was closed, I still had a balance that I was making my monthly payments on. However, after the accounts were closed, XXXX decided to make another arbitrary decision and restrict my access to the online banking software and thus restricting my method of payment. I couldn't reach them over the phone to make my payments because every single time I contacted them they were unable to help me and they thought that I had to speak with the Fraud Department of XXXX for some reason. I never claimed the account was fraudulent, I always told them that I had to make a payment but by the time that XXXX was able to process my request they gave me the worst time ever which led my account to be delinquent and past due on the payment. XXXX from the beginning of this calendar year of 2021 and they have been passing judgements and arbitrary decisions regarding my accounts and personal information. I had flawless history with them yet the decided to close my accounts. Then, they decided to make another arbitrary decision of restricting my access to the online banking software so I can not make my payments. Ever since then, I have been contacting them personally to make my payments through the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX I informed Chase bank an employee deposited a fraudglent check on XX/XX/XXXX. This employee duplicated her check that she cashed on XX/XX/XXXXwhich was a valid check. The new check was a duplicated she printed and I had her XXXX. The bank stated I did not report it in a timely manner one day! This employee was XXXX however, the bank should have never allowed this check to process. 
Second check I also found while investigating. was for {$4500.00} I told them how did you let this process it is not my check nor my signature. This was in XX/XX/XXXX and they told me its too late. I asked where the check was cashed they stated they had to protect the person who cashed this fraudulent check on my acccount. 
This bank allowed my company too be ripped off for {$5200.00} an they will not help at all!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX BANK HAS XXXX CLOSED, NEGATIVE ACCOUNTS REPORTING ON MY CREDIT REPORT OPENED IN XXXX AND XXXX BOTH ACCOUNTS WERE OPENED FRADULENTLY AND I HAVE CONTACTED THEM FOR XXXXYRS STRAUGHT TO INVESTIGATE AND REMOVE THE FRAUDULENT AND NEGATIVE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: CT
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 XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX And XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed erroneous and damaging information being reported on my Credit Report with the CRA 's and they did not legally and in its full entirety investigate my disputes. I am demanding that a complaint be filed against these companies for willfully not following the law according to the FCRA act.

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 2023-10-30
Company: EQUIFAX, INC.
State: MI
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 the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions XXXX XXXX XXXX XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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  XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX And XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions

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