BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 explanation
Consumer complaint received 2023-07-11
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/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 2020-11-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
on XX/XX/2020 I sent a letter to XXXX, Equifax, and XXXX to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XX/XX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Bread Financial 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello Im complaining because when I first tried to get my credit score together I was XXXX XXXX XXXX, while being XXXX I have tried to make payments and inquires on my own but some of my inquiries doesnt involves me. I tried getting them removed but it says it takes 2 years or max 6 years to complete withdraw them. Some of my credit history I dont approve of is - XXXX XXXX XXXX ( XX/XX/2022 ) - XXXX XXXX XXXXXXXX  ( XX/XX/2022 ) - XXXX  XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) as you can see their all 1 month apart please help get this off my credit I can not do anything with my life because I have a horrible background & Im only XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am not aware of these charges and no invoices and work done has been submitted to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: U.S. BANCORP
State: MS
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:
On XX/XX/2022 I went to a gray XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my 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 2018-08-14
Company: EQUIFAX, 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:
i have over XXXX in credit cards and i have no need to apply for more credit card but i see on my credit that i have over 25 credit inquiry which 90 % of them i have no knowledge off. Due o inaccuracy on my credit file i has led o some of my credit cards being closed because lenders considered me as high risk that i am seeking too many credit which i am only using 3 % of what i have right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I went to website to check balance and it started fraud/suspended can't login. So I called the XXXX # multiple times. After being on hold for over an hour each call, someone would answer and say they were transferring me to fraud department ( followed by another wait of an hour ) so I eventually would hang up each call. 
I also call unemployment office. They said it was because I tried to change payment option to direct deposit ( which didn't go through ) so I need to use my card. It's for unemployment in XXXX XXXX XXXX  AND HAVE NOT BEEN ABLE TO USE MY CARD FOR SEVERAL DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/2019 a XXXX XXXX balance of {$7000.00} was transferred to a recently opened Capital One Quicksilver credit card to take advantage of their 0 % interest rate for 15 months. Much to my dismay I am getting charged 25.74 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA Rights and Inquiry Investigation To Whomever It concerns, I am writing to dispute an inquiry on my credit report from XXXX XXXX, as I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ). It appears that TransUnion did not conduct a proper investigation into this inquiry, and I am requesting its immediate removal from my credit report. 

As a consumer, I am protected under the following rights granted by the FCRA : 1. Right to Accurate Information : The FCRA ensures that information reported on my credit file is accurate and up-to-date.

2. Right to Dispute : I have the right to dispute any inaccurate or incomplete information on my credit report.

3. Right to Investigation : The FCRA requires credit reporting agencies to conduct a reasonable investigation upon receiving a dispute about any information on my credit report.

4. Right to Fair Credit Reporting : I have the right to fair and unbiased treatment in matters related to my credit information. 

I believe that TransUnion has violated my FCRA rights by not properly investigating the XXXXXXXX XXXX inquiry, which has resulted in inaccurate information on my credit report. Therefore, I urgently request you to take immediate action and remove this inquiry to rectify the situation. 

Please provide written confirmation once the inquiry is removed from my credit report, along with any supporting documentation. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 explanation
Consumer complaint received 2022-12-30
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase Bank provided fees in the XXXX almost XXXX of dollars unnecessarily for items not owed. 

Additionally, Chase Bank has not paid for the checks totaling {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 filed a complaint on XX/XX/20 regarding the problem with a Home Depot card that is handled by Citibank. They have not straightened this out. They are telling me that the other fraud charge is still outstanding and there is a payment coming due. They are still showing the balance due on my credit report and giving us the run around about removing it from our credit report. The original complaint number was 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 2018-07-18
Company: First Texas Auto Credit, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am financially going through a difficult situation and this company will not work with me on my account. I called and spoke to my account handling person and she stated they can pick up my vehicle because I can not make a full payment. I feel that they are violating my rights as a consumer all I asked for was for them to take a partial payment so that I can try to make an attempt to keep my vehicle. My account representative was very rude and hostile. She has no customer service training and should be taught how to treat people with respect. This company should be investigated due to their horrible tactics. I have not received anything in writing indicating they have the right to pick up the vehicle. Please assist. Last 4 digits of my ssn XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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 this creditor has violated my rights under 15 usc 1681 section 601 states i have a right to privacy, 15 usc 1681 section 604a 2 also states a consumer reporting agency can not furnish an account without my written instructions, 15 usc section 1666b a creditor may not treat a payment on a credit card account under an open ended consumer plan as late for any purpose. My data was breached by the cfpb, XXXX, transunion  and 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 2022-12-30
Company: EQUIFAX, INC.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
Account payment history is inaccurate and in violation of the FCRA because XXXX  is reporting account XXXX XXXX payment history reports XX/XX/XXXX 90 days past due when transunion is reporting XX/XX/2019 current this is factual and is inaccurate and this account needs to be deleted from the report. the account status says 120 days past due but the reported balance says XXXX as inaccurate and is in violation.

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 2023-07-11
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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
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:
my information was fraudulently used in a breach in the past, and it is still being used to obatain services i didnt authorize and is harming me financially and personally in a negative why

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi I am hoping to be able to get help here, I have a mortgage account with Santander Bk Account # XXXX. I am having lots of difficulty. I make my payments on time all the time. I am unsure if Santander is misallocating the funds or they are not providing accurate amounts. They also keep changing the amounts. I keep making payments and we keep having issues. When I call there seems no-one to speak to. I am hoping you can help me out.

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 2023-08-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I receive a loan for XXXX dollars and deposited into my business bank account ending in XXXX from JP Morgan Chase Bank. 
in the morning of XX/XX/2023 I went personally to the location of XXXX XXXX XXXXXXXX XXXX ( chase bank ) asking for XXXX in cash because I'm in the process of acquiring a restaurant and also buying used cars at the in auctions which only accept cash. 
they happily helped me but due low cash in branch only provided me with XXXX dollars and advised me to visit a SECOND Branch to withdraw the rest. 
As advised I directed myself to the second location ( XXXX XXXX XXXX, XXXX, NY XXXX ) CHASE BRANCH and I was attended by XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( not sure about the last name ) I explained her what I needed at the moment with all documents in hand but she denied to provide me service and the funds even when having me in front of her with my ID CARD, SOCIAL SECURITY AND MULTIPLE CHASE CARDS PERSONAL AND BUSINESS. 
SHE TOOK MY documents PLACED A restrictions in all multiple accounts which got into effect 3 hours later, leaving me without money or resources to exist. 
HER WORDS WERE I CAN HELP YOU BUT NOT TODAY ILL CALL YOU LATER TODAY TO HAVE IT READY. 

She denied me the service because how I was DRESSED, my SkiN COLOR AND MY NATIONALITY AS XXXX. 
I FELT TOTALLY DISCRIMINATED, OFFENDED AND MISTREATED. 
WHY do I say that I felt and still feel TOTALLY DISCRIMINATED, OFFENDED AND MISTREATED Because when I left that branch previously mentioned ( without knowing what she did with my documents ) I drove to the next location looking to complete the funds in order to start with the business which was the XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX. ( CHASE BRANCH ) once I arrived to the 3rd location they were more than happy to help me and provide me with the funds requested XXXX dollars. 

why do I write this letter because no one should be discriminated, mistreated, violated or offended for their skin color, race, education level or nationality. 

If the 1st branch was able to help me providing my funds and also the 3d one But the 2nd Branch decided to hold the funds deni the service and on top of that lock my account with no previous notice, without giving me the Opportunity to get money for gas, food or any other personal need. 
since all branches has the same bylaws and follows the same rules because they are the same company and one person because of how I looked at that moment refuses to provide service or help with my request instead blocked my accounts violated my rights ITS BECAUSE ( SHE SAW WITH PERSONAL PERSPECTIVE ) NOT AS A CLIENT SHE DISCRIMINATED ME. 
once I head back to the lawyer office, it was there when I noticed all my accounts were blocked leaving me in shock and without funds. 
not a single notice before. 
NOT ALL XXXX ARE DRUG DEALERS IM NOT ONE thank you NOT my first language but hopefully you will undertand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: U.S. BANCORP
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank contacted me, unsolicited, in XX/XX/XXXX offering a forebearance. I lived in XXXX XXXX XXXX  and the XXXX had just hit the area. I initially declined the offer, saying it wouldnt make sense to accept If I needed to just repay the entire amount at the end of the forebearance. They offered and confirmed multiple times any deferred payments would simply be put on the back end of the loan. I accepted this and we agreed on terms, and the forebearance began. A year later, they refused to honor our contract and demanded full payment of the deferred payments. 
Since XXXX of XXXX and their breach of our forebearance agreement, they have sent letters stating I need to apply for mortgages assistance. I stated I didnt need mortgage assistance, I wanted them to honor our orginal agreement. Theyve said while I didnt actually qualify with what they offered, they asked me to submit a request for assistance. Ive done this multiple times, with no answers or response as to why they breached our orginal contract. During this process, a rep named XXXX from US Bank contacted me and and offered that if I make two payments, they can then just add payments to back end of the loan. In an effort to resolve this, I accepted this and XXXX said would finalize the offer and call me back for payment which never happened. A rep named XXXX also called at a different time saying I just needed to send a letter stating I was affected by the XXXX natural disaster, XXXX XXXX XXXX XXXX, along with some loan information, and he would put all of the payments that were deferred onto the back end of the loan. I submitted this information as requested and again, US Bank still refused to honor their commitment or the follow up agreement to move the payments to the back end up alone. They now are attempting to foreclose on the home and refuse to communicate. All numbers they provide to reach the agents assigned to resolve this go to automated systems saying the agent I need to speak with is unavailable. 
Theyve locked the account for approximately 18 months preventing me from making a payment, while also demanding payment. 
I am filing a complaint that US Bank used false and deceptive offers to enter into an agreement they had no intention to honor and have refused to do so.

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