BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: JPMORGAN CHASE & CO.
State: TX
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 a fraudulent charge on my Chase Visa card. I have requested contact information for the merchant so I can speak to them directly. Chase has been unable or unwilling to give me this information. I did not receive the product the company claims they mailed to me nor any of the products listed on the website. I received a strange package from XXXX via USPS in XXXX that was thrown away. ( at that time, there were reports of US citizens receiving strange packages from XXXX, many with unmarked seeds. We were encourage to be careful of these ) My package contained junk childrens spoon and fork. I believe this package was used to show delivery so that XX/XX/XXXXcould legitimize the credit card charge. 
I believe this is an international fraud problem and that I have been a victim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-16
Company: FACTUAL DATA CORP.
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: Account information incorrect

Complaint:
XXXX Factual data XXXX Has cost me loans rates not being able to rent this is ridiculous Remove the fcra violation ftc inquires like 30 of them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX repeatedly called my parents house in regards to a medical bill that was a few days late for my wife. My parents notified them all 3xs that this was not my wife 's house and please do not call the number again. XXXX XXXX even informed my parents that this was a XXXX bill debit collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
All incorrect items and discrepancies listed in letter attached.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXXXXXX XXXX XXXX  ACCOUNT # XXXX THIS ACCOUNT IS NOT MINE AND IT REPORTED 30 DAYS LATE ON MY CREDIT REPORT I HAVE CONTACTED THIS COMPANY SEVERAL TIMES I HAVE FILED AN IDENTITY THEFT REPORT FOR THIS ACCOUNT. AS WELL AS XXXXXXXX XXXX ACCOUNT # XXXX AND XXXX XXXX ACCOUNT # XXXX IF THIS SITUATION IS NOT RESOLVED I WILL HAVE TO TAKE OTHER LEGAL ACTIONS. THIS IS NOT FAIR THAT I AM BEING HARASSED AND THAT THESE ACCOUNT ARE AFFECTING MY FINANCIAL STATUS ON MY CREDIT REPORTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
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: Public record information inaccurate

Complaint:
requested all three credit bureau remove bankruptcy from my public record they claime it was verified buy the bankruptcy court i contacted the bankruptcy court and requested documentation i recieved a letter showing they dont have case number n my name and that they dont deal with credit buearus all three buearus are showing they got this inaccurate information from the bankruptcy court which is miss leading information on my report if not removed will b taking leagal action

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX XXXX XXXX XXXX, I was the victim of an indirect fraud via XXXX on Bank Of America To my Bank Of America account. I sold some Bitcoin on XXXX  the user paid me with the account that was hacked, I received the payment and I did Not check the account senders name against the name and the name on the XXXX account, so I release the Bitcoins. About 3 days later I got a blockage on my Bank Of America to account, only then I realized what happened. I explained to BOA in details what happened and also send them proof that I was also a victim on this scheme, and that It completely irrational that if it was about to commit such a fraud I would my legal account to damage my own banking reputation. Bank Of America has a really vague antifraud support infrastructure and they are quick to create an incomplete fraud report especially when they don't have any skin in the game. Not only I lost the Value in BTC but I also paid for the USD fund that was hacked to the other  individual. I'm looking to clear these false and unjust fraud claims out my record.

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 2020-10-20
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: Public record information inaccurate

Complaint:
requested all three credit bureau remove bankruptcy from my public record they claime it was verified buy the bankruptcy court i contacted the bankruptcy court and requested documentation i recieved a letter showing they dont have case number n my name and that they dont deal with credit buearus all three buearus are showing they got this inaccurate information from the bankruptcy court which is miss leading information on my report if not removed will b taking leagal action

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 2023-11-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I recently filled out an application for a Wells Fargo bank account and was prompted I needed to go into a branch and that they were unable to open my account at the moment. 

I received a notification about a week later on my credit report that a bank account was opened by Wells Fargo under my SSN. 

These violations constitutes as unauthorized use as well as discrimination.

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 2023-05-24
Company: PENTAGON FEDERAL CREDIT UNION
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:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX PENTAGON FCU XXXX Balance 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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX, Account Number : XXXX and Account Name : Dept of Ed/ XXXX, Account Number : 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.

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 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 2020-06-02
Company: EQUIFAX, INC.
State: SC
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 have been in contact with Equifax and they have told me that fraudulent items were off of my credit report and they were supposed to send me an updated report but they did not. I checked on XX/XX/2020 and they told me when it updated I would see the changes and yet it's even worse than it was before because there are accounts that were removed that are now back on my report. I am including proof of this and they simply need to remove these fraudulent accounts as there are only 2 active accounts on my file and 2 closed accounts on my file, XXXX and XXXX XXXX, active, and XXXX XXXX  and XXXX  mastercard closed. 
Equifax needs to correct this within 4 business days from the XXXX of XXXX to the XXXX of XXXX, 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 DONT RECOGNIZE THESE ACCOUNTS XXXX Date Opened XX/XX/XXXXXXXX  -XXXX XXXX XXXX Date Opened XX/XX/XXXX -XXXX Date XXXXXXXX XXXX XXXX XXXX Date XXXXXXXX  -XXXX Date OpenedXXXXXXXX  I DONT RECOGNIZE THESE INQUIRIES -XXXX XXXX OF -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 2023-06-28
Company: EQUIFAX, INC.
State: OH
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:
It has been drawn out that EQUIFAX Credit Bureau is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the INQUIRIES that need to be removed from my file : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent out numerous certified letters to the credit bureaus to remove these accounts which were purchased by a collection agency I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. they didnt do that first they have committed 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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There is a fraud alert on my credit report and I have called and sent a letter to have it removed but I have not been able to have it removed.

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 2020-09-18
Company: Comerica
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I use Direct Express as a debit card program to receive my Social Security benefits. 

When I received my XXXX statement in early XXXX, I saw that there were numerous fraudulent charges, totalling around {$8600.00}! I immediately tried to contact Direct Express. It took 3 phone calls and a total about about 7 hours on hold to speak to XXXX, a Direct Express representative. 

She filed the claim for me, yet my account then showed additional fraudulent charges for XXXX, totalling another {$570.00}. 

At no time did DE contact me regarding these highly suspect charges made in XXXX, XXXX! Two of the charges were over {$2000.00} each! No text, email or phone call asking if these charges were mine. 

DE told me that they'd be sending a form to fill out regarding my claim. To date - 2 weeks later - I have received nothing. Right now, someone has {$9200.00} of my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT FILE AND HAS AFFECTED ME OF ACQUIRING NEW CREDIT. THESE DEROGATORIES ARE REPORTING INACCURATELY AND I HAD NO KNOWLEDGE THAT THEY HAVE BEEN REPORTING WITHOUT AUTHORIZATION. I AM DISTRESSED THAT THOSE COMPANIES HAVE HAD ACCESS TO MY PERSONAL INFORMATION AND MY SOCIAL SECURITY, IT IS ILLEGAL TO REPORT NEGATIVE ACCOUNTS ON ONES CREDIT AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: ERC
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 never open a account with XXXX its shows reported incorrect in my credit report pls remove from my credit history asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: CO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX  Account Name : XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2019-10-16
Company: Experian Information Solutions 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:
Dear Sir/Madam, This is a verified complaint concerning Experian 's erroneous credit report. i : reported to Experian, that the three bankruptcies reported on my credit report have been not been obtained from reliable sources. i : included the response from bankruptcy court ( see attached ), reported my identity theft report to XXXX XXXX, reported my identity theft report to police ( see attached ) and to FTC ( see attached ). Although, i : communicated these to Experian, Experian wrote back to me in letter date XX/XX/2019, under report number XXXX, see attached, that the bankruptcy reports were obtained from XXXX XXXX which is incorrect, since, i : have confirmation from XXXX XXXX, that following my identity theft report to them, they would not and can not report anything to anyone. This can be easily verified over the phone by calling XXXX XXXX. This misconduct of Experian, in falsely stating that they obtained these information from XXXX XXXX, when they can not and did not, has damaged me economically and emotionally. i : therefore, present to CFPB to order Experian to immediately remove the three bankruptcies from my file simply because they were not obtained from XXXX XXXX and to grant other relief to me since i : have been damaged economically by Experian and its Co Parties Agent ( s ) Principle ( s )  misconduct as set forth 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 non-monetary relief
Consumer complaint received 2018-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Ive noticed activities of debt collection from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$460.00} opened on XX/XX/2016 which was not me.

Company response to consumer: Closed with explanation