BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hello, I have tried multiple times with all 3 credit bureaus : XXXX, XXXX and Transunion to have the bankruptcy removed. The information is inaccurate and somehow, the Consumer and Bankruptcy is not mine. They are refusing to remove it to the point where I dispute and the next day they are reporting back they are not going to work it. Just recently I received a letter from XXXX on XX/XX/XXXX stating that they removed it. 

When I called them to confirm, the young lady told me that I have to submit the information back to the credit bureaus for removal. I did that and the next day they replied it was staying and the case was closed. 

Can someone please remove this inaccurate information along with the Consumer Report on file. The only thing they did was correct the name and removed the wrong one and took off XXXX XXXX. I told them in the past and even had fraud alert on my account and they did nothing. 


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 2020-04-25
Company: EQUIFAX, INC.
State: TN
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:
Equifax refuse to do proper investigation and providing valid verification for inquiries fraudulently done in my name. I provided them my Theft Identity report which still came back verified. These following 10 inquiries are fraudulently reporting on equifax : 1. Dept of Ed ( XX/XX/XXXX ) 2.XXXX XXXX  ( XXXXXX/XX/XXXX) 3XXXX XXXX ( XX/XX/XXXX ) 4XXXX XXXX XXXX ( XX/XX/XXXX ) 5.XXXX ( XX/XX/XXXX ) 6XXXX XXXX  XXXX ( XX/XX/XXXX ) 7XXXX ( XXXX, XXXX, XXXX ) 8XXXX XXXX XXXX XXXX, XXXX-XXXX  ( XXXX XXXX ) 9.XXXX XXXX XXXX XXXXXXXX XXXX  ( XX/XX/XXXX ) 10XXXX XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) Equifax refuse to do proper investigation verifying saying this is my debt according to section 606 of the FCRA. Just saying it has been verified is not sufficient proof that this is my debt when it is not. If not verified properly a serious fine can be given and this is an offense of consumers rights and if can not be verified properly it must be removed from my credit report immediately. Also, I have sent letters in XX/XX/XXXX and XX/XX/XXXX both times not being verified or showing proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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: Credit inquiries on your report that you don't recognize

Complaint:
There are unauthorized inquires on 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 explanation
Consumer complaint received 2022-04-02
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Chase XXXX Debit card in my name linked to account number i do not own

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I received an email saying that a six hundred dollar charge was sent thru my account that was pending after checking my account which opened to check. While my account was still up I called whatever number they express to cancel whatever charge this was. They sent another email saying it was confirmation of my cancellation only that when I opened the email it had looked like someone put money in my account {$5000.00} more than I had in my account I started freaking out that I might be in some trouble and was about to call my bank. That is when in one second all my money in my account looked like it was gone. They threatened me that they have to get back their money or all was going to be missing. They had me running from one store to another buying gift cards to send back their money after about {$3000.00} my bank Suntrust who now merged with Truist called to advise that I was having fraudulent-looking charges on my account to which I told them everything. I made a complaint to the gift card company. I filed Complaints with ftc.gov/scams report number : XXXX and my State Attorney General. I never would have made any of these transactions if I was not under duress. 
Please assist if you can. 

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 2020-04-25
Company: Paypal Holdings, Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hello, a few minutes ago I got a letter from " XXXX XXXX XXXX XXXX '' Where I owe them {$57.00} where the creditor is paypal, I don't owe anyone anything I started looking for information on the Internet where they basically explain that they received this letter charging, some explain that it is due to identity theft or due to a security breach by paypal, since in the official forum of paypal many people received this letter in which they allege that they received this letter with an invoice, and paypal has not done anything to solve it, There have been several times in which I receive fraudulent emails with the name and stamp of paypal charging me in which I call and ask if I owe them something and they tell me that it is a fraudulent email and that I send the complaint to an email that they have special for that I hope I don't have to sue them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: JPMORGAN CHASE & CO.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureaus are reporting misleading information on JPMCB CARD ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % true or the information must be deleted. XXXX  this reporting by making a revision of the information provided. Change and perform any corrections or eliminate this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello I had an Victoria Secret Credit Card account, of 2019 I closed it no longer wanted it It is all Paid in full but i am still getting Late fee Charges, and it is getting Billed to my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: CT
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX has not received written permission to report information regarding transactions or experiences against my consumer report. 

Reporting late payments and alleged loan amounts constitute transactions and experiences. I did not give my written consent. 

I am disputing the reporting of these late payments and utilization by the credit reporting agencies per 15 USC 1681 ( a ) A consumer report does not contain any transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: TX
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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, Account XXXX Account Name : XXXX, Account XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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 -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 non-monetary relief
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and 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 an 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 explanation
Consumer complaint received 2017-10-26
Company: CITIBANK, N.A.
State: PA
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:
My bank ( XXXX ) offered a balance transfer option which I took advantage of in the amount of {$11000.00}. I asked that the money be sent to my Citibank MC to partially pay my balance of {$12000.00}. XXXX sent the first check to the incorrect Citibank address. They reissued the check and Citibank received it on XX/XX/XXXX. Since it was past the monthly due date and to avoid interest charges on my balance, I paid the {$12000.00} in full. Therefore the {$11000.00} XXXX check now created a CREDIT balance of {$7800.00}. ( I use the card constantly hence the credit balance of less than {$11000.00}. ) On XX/XX/XXXX I called CitiBank and asked for a refund of the credit balance which I was told would be deposited in my checking account in 4-5 days. On XX/XX/XXXX I called again, spoke to a supervisor who contacted XXXX to verify the validity of the XXXX check. I was then promised again that the credit check would be in my account by today XX/XX/XXXX. It still has not been done.

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 2020-04-25
Company: Bread Financial Holdings, Inc.
State: CA
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:
Fraudulent inquiry on my XXXX  credit report. Someone used my personal information trying to get something.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 filed a dispute on XX/XX/XXXX to dispute fraudulent charge of {$5500.00} to m yXXXX card on XX/XX/XXXX after returning home from vacaction. Tried to cancel with vendor while on vacation and got the run around so did some investigating and found hundreds of the same complaints.I have called, written and sent supporting documents to the card company numerous times with the end result being they need a detailed letter describing the events surrounding my claim and the credit amount I am requesting! I have attached 3 letters and all the documents I have sent them 3x 's and have probably called around 20x 's! What more could they possibly need with all the documentation and complaints I have attached. I do not have proof of cancellation, since I could never speak or get in touch with anyone from the provider as everyone else in this same situation. This vacation company is a scam and are ripping off tons of people and XXXX chooses to ignore it! I know they have received other complaints against this company since their name is mentioned in many complaints!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: NC
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:
While reviewing my credit porfo ; ia with Equifax, I noticed inconsistent errors on my report. I have seen some one else 's credit profile and all their information. I noticed that the collection and hard inqurires on my report belong to this other individual with similar information. The last four of my social end in XXXX and I am seeing someone's report ending in XXXX. This is not okay that this company is merging two credit profiles with similar information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 finance a XXXX XXXX XXXX with XXXX as the finance company. I had the vehicle for almost 2 years and never had a missed payment. My suv was recently totaled loss on XX/XX/XXXX. The insurance company of the other driver accepted liability and issued a payment to XXXX of XXXX. In the meantime as XXXX was waiting to receive payment from the Insurance Company I continued to make my payments because I did not want to ruin my credit. I called XXXX weekly to see if they received payment to avoid any issues because I would have continued to pay if has too. They had told me they received payment and to call back in a week. I was still able to check the account and when I did it showed that the check was posted and that I had a balance due of XXXX. I called and they said it was a mistake and to disregard they will fix it. 
The insurance company issued XXXX a check on XX/XX/XXXX paying more than what I owed on the suv leaving XXXX  to issue me a payment from the account having an overpayment of {$140.00}. 
On XXXX I received a credit alert from XXXX that I have a paid/closed account with a 30 day late payment. This hurt my credit very bad. On XXXX is when I received my alerts from transunion and XXXX showing the same thing. I called XXXX to speak with someone who told me that they will fix the error and it can take up to 90 days. I am not understanding why I have to wait almost three months for a mistake made on their behalf. I am in the process of buying a house and now I have this huge problem that I didnt create. My scores drop 40-51 points from each bureau.

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 2017-10-26
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a payment in and they refused payment so therefore I do n't owe anything. I have a bank copy of the rejection of payment. They never got back with me. So I just let the file go. Yes they sent me a bill. They never sent a bill until I requested and then it was n't the amount that was agreed upon. The amount was higher. Since they rejected my payment I believe I do not owe the monies.

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