BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent an Identity Theft Affidavit on XX/XX/2021 certified mail with green return receipt to XXXX, TransUnion and XXXX. They received the affidavit based on the certified mail tracking number and failed to block information resulting from identity theft. 

To my understanding under section 605B of the Fair Credit Reporting Act they must take 4 days after receiving the mail to block resulting from Identity Theft.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from 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 explanation
Consumer complaint received 2019-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX  XXXX XXXX XXXX XXXX is reporting on a debt I do not owe. I called and paid this debt as soon as I found out about it by pulling my credit. XXXX XXXX XXXX XXXX XXXX did not send me any notifications or my 30 day right to dispute letter. XXXX  XXXX XXXX XXXX XXXX agreed that by paying off this debt they would remove the account off of my credit file, due to being in violation of my 30 day right to dispute, and they haven't removed it.

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 2018-07-10
Company: JPMORGAN CHASE & CO.
State: NM
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:
I received a letter ( see attached ) which at first glance appears to be a " final notice '' for some sort of loan. It isn't, it's a solicitation for a service from an ambiguous company ( " XXXX  '' ) to assist with an otherwise free, self-service process for federal student loan recipients. 

It includes information that is not publicly available and obtainable only through a detailed credit report ( " hard pull '' ) which may have caused my credit rating to drop slightly in recent months. This appears to be in violation of the Fair Credit Reporting Act.

Upon calling the company, two different call center associates claimed the information in the report was obtained from publicly available information. When I asked where this information was found, neither agent admitted knowledge of the actual source. I didn't get the impression that they were lying about not knowing the source nor realize that the information they are claiming is publicly available, definitely is not, and can only be obtained from a credit report. This suggests to me that the phone agents are trained by a company that knows the information was obtained from an illicit source. No more information about the company is available on the letter. There was not even a return address on the envelope, although the envelope was stamped " mailed from zip code XXXX '' and " U.S. Postage paid permit No. XXXX '' After obtaining and reviewing my credit reports from XXXX and XXXX, and following several obstinate phone interactions, I believe Chase Auto finance may have given information from, or access to my credit report to third parties for this sort of advertisement. Chase Auto Finance has been difficult to work with, failing to follow instructions given to them about my auto loan repayments over the phone, so I wouldn't put it past them to give out this information to third parties who are unauthorized to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1 XXXX  XXXX Account Number : XXXX 2. XXXX Account XXXX : XXXX 3. XXXX Account XXXX : XXXX * 4. XXXX Account XXXX : XXXX 5. XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JEFFERSON CAPITAL SYSTEMS LLC has committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: AR
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 my credit to myself to check the reason why my score was so low. i knew i was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple items on there that are not mine. I have never seen these items in my life. Please remove the items from 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 explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please remove addresses on my credit report, employers and wrong names. 

My only address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX My only name is 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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 my credit to myself to check the reason why my score was so low. i knew i was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple items on there that are not mine. I have never seen these items in my life. Please remove the items from 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 explanation
Consumer complaint received 2020-08-31
Company: Upstart Holdings, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have been struggling to make payments on my Upstart personal loan since the beginning of the COVID 19 pandemic. I believed I was in a forbearance plan but my account is still being reported as past due. I have submitted a hardship assistance form twice on the Upstart website and made a call on XXXX XXXX to inquire on the hardship request and have received no response to any of my communications. I have made many good faith efforts to get my account back on track but have received no assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is in regards to CFPB complaint number XXXX. You marked it as duplicate. This complaint is NOT a duplicate. The complaint is as follows ... 

I have several unauthorized ATM transactions on my PNC SmartAccess debit card. I filed a claim with PNC and it was apparently denied. I called to ask why and they said its because of previous spending pattern. I have no control over how or where a criminal used my stolen debit card. Now, you should also be aware that PNC alerted me to the fraud! They would only do that if the spending pattern was unusual. Now they change their mind because they dont want to honor their zero liability policy. The transactions Im disputing are {$500.00} from XXXX on XX/XX/2018, {$500.00} from XXXX XXXX on XX/XX/2018, {$500.00} from XXXX XXXX  on XX/XX/2018, {$500.00} from XXXX XXXX on XX/XX/2018, and {$500.00} from XXXX XXXX  on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had two Care Credit/Synchrony Bank Cards ( for XXXX providers ) in the past. 

I thought both accounts are closed : The CARECREDIT / SYNCHRONY BANK website states : Important This account has been closed. No further purchases will be allowed. 
It shows no balance on my account Now that I have a new dog I want to open a new account. But my applications are denied stating, Existing account with our credit program. 

If the website says my account is closed and the letter states I have an existing account then someone must be using my Social Security number FRADULENTLY.

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 2020-05-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested a refund from XXXX  for flights cancelled by XXXX  which I had purchased with points and $ s on my Chase Sapphire card. 
On XX/XX/XXXX I got an email from XXXX  indicating my refund was complete. 
On XX/XX/XXXX I got an email from Chase Travel indicating my flights had been cancelled and indicating the points and $ s to be refunded. I received the points back the next day but as of today I have not received the credit on my card for the $ s. 
I have sent messages to Chase on XX/XX/XXXX, XXXX and XXXX asking when I will receive my refund but the only response I get is " Thank you for your inquiry. Let us know if we can be of assistance ''. 
It has now been three weeks since Chase received my refund from XXXX  but they have not credited the money to my credit card nor can they indicate when they will do so. There should be a limit on how long I must wait.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27
Company: ONLINE Information Services, Inc.
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:
Online Information Services ( Online Collection ) are reporting a fraudulen collection on m credit. This account is NOT Mine, and I have no knlowdledge of it. Please remove this account from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, Transunion and XXXX  have constantly abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was told during the pandemic that loan payments were suspended until XX/XX/2021. This is listed on Nelnet 's website. However, Nelnet reported my account late to the credit bureaus causing significant damage to my credit. I am on social security XXXX and recently overpaid in XX/XX/2021. I have never been late on my bills. I called Nelnet in XXXX and was told they can not remove the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Capital One has sent me numerous letters saying they will close my credit card account because I disputed one charge that I did not make on the account. They closed that card number and never sent me a credit card replacement. They asked for a copy of my drivers license and social security card, which I provided to them on numerous occasions. They are now threatening to close my account which will affect my credit score. They are also unwilling to cash out any rewards that I have earned, which amounts to XXXX  dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and remove them immediately in my report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 2018-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Capital one auto finance continues to report inaccurate information on my credit report. The date of last payment is listed as XX/XX/XXXX on both XXXX and XXXX  reports on my XXXX  report it reflects the correct date of XX/XX/XXXX. I believe this was done to re-age my account! I have disputed this through the CB several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: NY
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:
EXPERIAN!!!!!! I submitted a dispute to update them that I settled in full A collections against me & to update my credit report. My original outstanding loan was for {$12000.00} XXXX XXXX IT WAS SETTLED. Instead of correcting or Updating my info ... it now is stating on my credit Report I have a balance of {$120000.00} with a different creditor XXXX XXXX????????? ..XXXX  from Experian refused to give me a file number. I am afraid of FRAUD AGAINST ME! Please help This is the third time I reached out to Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Dear Sir/Madam, Social Security Last 4 of social- XXXX DOB- XXXX XXXX XXXX XXXX Dear Sir/Madam ( XXXX  ) I sent you a letter requesting you to remove inaccurate information from my credit report. The three credit bureaus are reporting inaccurate information and I am asking for immediate deletion of this on my credit report, due to inaccurate information. I am also considering to sue you and notify the Federal Trade Commission of your violation of federal law. 

The 3 credit bureaus are reporting different dates of when this account was opened. Transunion is reporting that it was opened on XXXX, and XXXX and XXXX have that it was opened on XXXX. Also, the payment status are saying that it was a collection/chargeoff on XXXX, and Transunion and XXXX  are reporting that the payment status is unknown. Also, under the date last active, Transunion has that it was last active on XXXX, XXXX has that it was last active on XXXX, and XXXX has that it was last active on XXXX. This is all inaccurate information being reported by the credit bureaus.

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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I believe that somebody used my personal information and applied for 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