BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, the following have violated my rights ; 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 15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that 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
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: TX
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 am a victim of identity theft and there are two accounts that are reporting on my credit that is not my accounts along with some inquiries.I have taken notice that someone has been using my information to obtain credit in my name. I also attached my police report to support this statement. The accounts are : XXXX XXXX XXXX {$5400.00} XXXXXXXX XXXX XXXX- {$1100.00} Inquiries : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: SYNCHRONY FINANCIAL
State: NC
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:
I have made payments for the past following months for my account ending in XXXX. The first payment was made on XX/XX/XXXX for {$30.00}. They said they never received the payment but it was withdrawn out of my account. I had to go to the bank and get a letter saying I did pay it. They never took the amount off of my account. I then made a payment on XX/XX/XXXX for {$78.00} which again was never taken from my account balance. I made a payment on XX/XX/XXXX for {$130.00} and XX/XX/XXXX for {$29.00}. Again, none of this payments were applied to my account balance and Synchrony Bank is stating that I have not made any payments to them since XXXX. I have receipts and confirmations for all of these payments. They have since then destroyed my credit and have yet to fix anything.

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 monetary relief
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE IS DESTROYING MY LIFE WITH THESE FRAUD ACCOUNTS. I DONT KNOW WHAT TO DO. I AM GETTING MY CREDIT TOGETHER AND I SEE THESE FRAUDULENT ACCOUNTS. I NEVER AUTHOIRIZED ANY OF THESE ACCOUNTS. PLEASE INVESTIGATE THESE CRIMINALS

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 2023-11-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My business account overdraft fees from chase bank business checking account XX/XX/2023 OVERDRAFT FEE FOR A {$32.00} ITEM - DETAILS : ORIG CO NAME : XXXX XXXX ID : XXXX XXXX XXXX CO ENTRY DESCR : XXXX XXXX XXXX : WEB TRACE # XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX NAME : XXXX XXXX XXXX Fee - {$34.00} - {$270.00} XX/XX/2023 OVERDRAFT FEE FOR A {$13.00} CARD PURCHASE - DETAILS : XXXX XXXX  # XXXX https : XXXX. MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$240.00} XX/XX/2023 OVERDRAFT FEE FOR A {$12.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fee - {$34.00} - {$200.00} XX/XX/2023 OVERDRAFT FEE FOR A {$11.00} CARD PURCHASE - DETAILS : XXXX # XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fee - {$34.00} - {$170.00} XX/XX/2023 OVERDRAFT FEE FOR A {$76.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$270.00} My Personal account overdraft fees from chase personal business account XX/XX/2023 OVERDRAFT FEE FOR A {$14.00} ITEM - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX Fee - {$34.00} - {$230.00} XX/XX/2023 OVERDRAFT FEE FOR A {$50.00} ITEM - DETAILS : XXXX XXXX XXXX PAYMENT XXXX ID : XXXX Fee - {$34.00} - {$190.00} XX/XX/2023 OVERDRAFT FEE FOR A {$150.00} ITEM - DETAILS : XXXX XXXX WEB ID : XXXX Fee - {$34.00} - {$160.00} XX/XX/2023 OVERDRAFT FEE FOR A {$80.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fee - {$34.00} - {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Problem with a credit reporting company 's investigation into an existing problem In XX/XX/XXXX, I submitted a dispute into an account on my TransUnion file, that had been indeed deleted for more than 30 days. XX/XX/XXXX is when the account was re-inserted into my credit file. 

This account was closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$5000.00} Reported balance Credit limit {$5000.00} You're using 101 % of your account 's limit OVERVIEW Credit limit {$5000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 10 mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$5000.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Canceled by credit grantor XXXX 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA I  have requested a method of verification before the item was deleted, however, it has returned back into my file and noted as " verified by the creditor ''. I have not received the method of verification from either the credit reporting agency, TransUnion nor the creditor listed above.

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 2022-05-29
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I had credit wise from XXXX XXXXXXXX, I do have access to my credit report and I noticed that I do have an unusual activity in a Santander USA for a car loan that I am not did it at all, the date of the issue is XX/XX/2022. I am totally clear that I do not process any of it. So that makes me think that some one that could it be a family member co habitant that have access to my personal information used my social security to add and miss used my credit that its already messed up. The only person that I think may use it its my father in law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, 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 have been trying to create a XXXX account for the past several months, but I have been unable to create it due to lacking verification on Equifix : I sent in the require documentation to the address listed, which I was latter told was incorrect, and had to do send it once again to a different address, and I have been calling them frequently to see if they received the information, and now their telling me to send it in once again. I was later told I needed to make an account, but I am unable to do that as I need to once again send the information in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: FL
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:
This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: TX
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: FORD MOTOR CREDIT CO.
State: MS
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:
The following companies have made reports on my credit and shared personal data that was not consented to report, share or make public on my credit report. I have not given written nor verbal consent to any company to share, collect, sell or use my personal information on a credit reporting. This is a violation of 15 U.S. Code $ 1681c-2 and 15 U. S Code 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: SECURITY FINANCE CORP
State: IL
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:
Today, XX/XX/2020 I received an email from XXXX XXXX   stating I had a new hard hit added to my credit report. 
It was security finance in XXXX, IL. XXXX. Phone number ( XXXX ) XXXX. I have a loan for {$1000.00}. I am 2 months behind on my payment. 
They told me they pulled my credit report because they wanted to see if I had any new creditors they could call to see if they had a phone number for me because they have called me several times and I havent answered. Which is untrue. She said she had every right to pull my credit in fact she could do it every 30 days if she wanted. She accused me of acting slow because I wasnt understanding why or how they could do that. And yet they have not reported me being 30 days late to any Credit bureaus. 
XXXX minutes prior to them doing the credit report that caused the hard hit, they called my job confirming I still work there. 
I did sign a wage garnishment if they didnt think I was going to pay them. That was the next process according to the papers I signed back when I opened the loan. 
The supervisor called me and also said they can pull my credit report if they feel its permissible. 
Im confused to why checking my credit report, that is usually asked for permission is okay with the manger and supervisor at Security Finance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
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: Information belongs to someone else

Complaint:
There are a few marks on my credit reporting that I do not recognize.I realized that someone is using my credit without my knowledge. When i realized this, i started to do research on how to resolve identity theft. I was advised to contact the credit bureaus and to ask them to remove the fraud information that is reporting. This is exactly what i did. I contacted XXXX, transunion and XXXX and asked them to please remove the fraud and unauthorized marks from my credit report. However they have not been helping me. I was told that the account and inquiries would be placed under dispute, but they never did. I was also told that the information would be removed from my credit report, but it never did. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account 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 2020-01-08
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
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: Old information reappears or never goes away

Complaint:
It was a garanteed student loan for less then {$1500.00}. I paid for classes and books at XXXX XXXX ny but was not able to attend classes due to no daycare available in XXXX for my child. This has been on my report for over 30 plus years and I owe over {$30000.00} showing. I also have not received my taxes since XXXX due to nys higher education taking my taxes each year for this student loan. I want it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Kentucky Higher Education Assistance Authority
State: GA
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 pulled a detailed report of my credit recently and found several fraudulent accounts including credit cards, auto and student loans. I have disputed the items with the three credit bureaus as of XX/XX/2019. Some of the items stopped reporting on my credit but there are still quite a few that are and shouldn't be. Student loans totaling almost {$24000.00} from a KY Higher Education. {$52000.00} in auto loans in default. These accounts have been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
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 have a total of XXXX inquires that I didn't authorize. I only had space for XXXX  one the first complaint so I'm filing a second complaint because there's on space for three at a time. 

1- XXXX XXXX XXXX XXXX2021 I contacted them but it only had options for. 
dealerships. I can't get through! 
2- XXXX XXXX  XXXX XXXX XXXX2021 I called them and they just place you on hold I was told to contact the credit agency 's and.

I did and they didn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: NJ
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 have 5 different unauthorized credit pulls. 
1- XXXX XXXX XXXX XXXX XXXX I can't get anyone in the right department. 
that handles the inquires. I tried several time 2- XXXX XXXX XXXX XXXX I called and they don't know anything about The credit pulls 3- XXXX XXXX XXXX XXXX Every time I called I was placed on hold and. 
Nobody picks the phone up. 
4- XXXX XXXX XXXX No answer from a personal they keep asking For an account number that I don't have. 
5- Equifax mortgage See. XXXX Third party company and there not sure who. 
pulled the report. 

I have also contacted all three credit agency 's and was told to file a complaint here. They wouldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: JPMORGAN CHASE & CO.
State: NJ
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 have 5 different unauthorized credit pulls. 
XXXX XXXX XXXX XXXX XXXX XXXX I can't get anyone in the right department. 
that handles the inquires. I tried several time XXXX XXXX XXXX XXXX XXXX I called and they don't know anything about The credit pulls XXXX Amps/Route XXXX XXXX XXXX Every time XXXX called I was placed on hold and. 
Nobody picks the phone up. 
XXXX JPMCB XXXX XXXX No answer from a personal they keep asking For an account number that I don't have. 
XXXX XXXX mortgage XXXX. XXXX Third party company and there not sure who. 
pulled the report. 

I have also contacted all three credit agency 's and was told to file a complaint here. They wouldn't help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: JPMORGAN CHASE & CO.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A XXXX request of {$470.00} was taken out of my account from XXXX XXXX, phone number XXXX. Multiple requests to get said money back were declined by the other party. I called my bank ( Chase ) to see about reversing the transaction but they said they couldnt. My bank said that since the transaction is through XXXX and it was same as cash I would have to contact the other party to try to receive it back. Long story short unless the money is directly coming from your account or directly through the XXXX app neither organization can reverse the transaction. Sounds simple but I guess its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: FL
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I went to the XXXX XXXX of Wells Fargo to close all my accounts with them ; one checking account, one savings, and a line of credit, XXXX  XXXX XXXX. I moved money out of all the account and paid all debt in them. The branch told me my accounts were closed after this. Four years later, XX/XX/XXXX, I have a 1099 tax document giving me the amount of interest one of my accounts has accrued for the fiscal year XXXX, {$16.00}. 
I went to this same branch on XX/XX/XXXX and asked them about this document. The teller said it was a 1099. When I explained that I had closed all my accounts, the manager told me it may be another account associated with a different credit card, or other line of credit. They did not inform me what account it was, they ran my information ( name, SSN ) and couldn't tell me. The manager told me to contact their customer service hotline. XXXX, but this would eat through all my free time and I do not trust this bank.

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 2020-12-16
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation