BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a XXXX XXXX XXXX who on XX/XX/2022 had my pin and card stolen I within 14 minuets of card stolen i notified chase bank to close debit card. Within 14 min XXXX was stolen from my bank account from a chase atm machine at XXXX XXXX branch in XXXX XXXX ny XXXX I filed a police report that day and police went with me to branch to notify what happened. XXXX XXXX from that branch filed the claim to get the funds returned to my account on XX/XX/XXXX the funds were returned. Then without any notification to me on XX/XX/2022 that credit i received from the stolen funds for my account of XXXX was reversed. Their reason after weeks of tring to obtain that was that the debit card without error was used by pin number. The theives stole the pin and the card. There are many violations Chase has committed. Most serious is they do not consider a police report in their examination or the fact i have had an account with chase since the XXXX and never had a claim. They then after weeks of going back and forth tell me to go to merchant to get my XXXX. The merchant did not take the unauthorized funds from my chase account Card and pin was stolen.. No where in their advertised description of a debit card does it state they will not honor a debit card, if it is stolen I notified and shut down debit card 14 min after it was stolen i also received a detail police report by nypd same day as theft and brought 2 detectives to branch to meet manager. If that is not enough then chas does not honor unauthorized withdrawal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Used XXXX XXXX and other financial/credit sites that utilized Equifax, found out my PHI was possibly compromised. Placed a temporary hold on my credit, concerned what will happen once the hold is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: AMERICAN EXPRESS COMPANY
State: MI
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: Billing dispute for services

Complaint:
On XX/XX/XXXX, XXXX shows that someone opened an XXXX card w/o my knowledge it has a balance of {$29000.00}. Again NOT ME! The info XXXX had was card number needed in XXXX, the date opened and the balance. They also had a member # XXXX. I tried several times w/ XXXX but they could not find any information on this issues. There is 2nd card applied and used w/o my knowledge. Date opened XXXX, XXXX, XXXX. Balance of {$510.00}. Card ending in XXXX. Again XXXX had no record but XXXX did? I was told to go this route. Both have opened investigations opened. Lastly there are 3 other credit requests performed w/o my knowledge, that XXXX shows on their side. They are as follows : XXXX. XXXX XXXX XXXX on XX/XX/XXXX. XXXX. XXXX XXXX XXXX Bank ) on XX/XX/XXXX. XXXX. XXXX Bank ( XXXX ) XX/XX/XXXX. Someone obviously has my info. I have set up security lock w/ XXXX but now need to clean all this mess up. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
Company: Experian Information Solutions 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:
XXXX and Experian are reporting an account that is in litigation. XXXX XXXX XXXX XXXX is in litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hello to whom it may concern, I heard about this website from a friend that had some issues with a collection company in the past and I wanted to reach out to you all because this company has been reporting an old XXXX bill on my credit report for the past few years. I had gotten them removed MULTIPLE times and they are persistent in coming back onto my report! 

Firstly, they have no right to sell my information or purchase it without my consent and this is a completely different company that is collecting this SUPPOSED bill that I definitely do not owe! They need to show some proof of anything and they have not and they continuously keep reporting on my profile. If this does not change I plan on pursuing legal help in the following few months because it is really impacting my credit! 

Please reach out to them and let them know I want this removed permanently or there will be a lawsuit pending because this is ridiculous. Thank you. Below is the account number attached to my profile. Please remove. 

XXXX  ACCT # : 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 2019-07-19
Company: Radius Global Solutions LLC
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: Reporting company used your report improperly

Complaint:
RADIUS GLOBAL SOLUTION has placed a fraudulent medical collection on my credit report. I have never received any notification for medical bills and I am a XXXX   and have a great benefits package. This is negatively impacting my credit and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been contacting companies below and the Credit Bureaus since XX/XX/XXXX due to errant notation in the form of HARD INQUIRIES in my credit reports. The Bureaus have not responded to any of my letters and keep telling me over the phone that they cant open a dispute for me. The below merchants just send letters asking me to provide my social security and to sign letters for them which I wont do. According to the Fair Credit Reporting Act, before releasing a consumer 's credit report, clear permissible purpose is needed and I have not provided that since I have NEVER requested credit for the below companies : I request that the Bureaus rescind the errand notation immediately as it is hurting my credit. 

On XXXX : 1-XXXX XXXX/XXXX on XX/XX/XXXX 2-XXXX XXXX on XX/XX/XXXX 3-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX/XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX on XX/XX/XXXX 6-XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX 8-XXXX XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX XXXX on XX/XX/XXXX 10-XXXX XXXX XXXX XXXX on XX/XX/XXXX On XXXX : 1-XXXX XXXX   XXXX on XX/XX/XXXX and XX/XX/XXXX 2-XXXX on XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX XXXX  on XX/XX/XXXX two times &  XX/XX/XXXX two times as well 5- XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 6-XXXX/XXXX/XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX 8-XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX/XXXX on XX/XX/XXXX 10-XXXX/XXXX on XX/XX/XXXX On TRANSUNION : 1-XXXX/XXXX XXXX XXXX on XX/XX/XXXX 2-XXXX XXXX XXXX   on XX/XX/XXXX three times! & XX/XX/XXXX 3-XXXX on XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX/XXXX on XX/XX/XXXX 6-XXXX XXXX XXXX on XX/XX/XXXX 7XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 8-XXXX on XX/XX/XXXX 9- XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX The only merchants that have answer just keep requesting further personal info, but cant provide me with further info as to who gave them permission to perform a Hard Pull on my credit without me providing permission to do so or without me even applying for their services. 

PLEASE HELP!

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 2022-09-04
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
I opened an account through XXXX 's website with American Express. I was promised a {$400.00} statement credit after 2-3 months and with a XXXX XXXX XXXX I did all this. I never received a statement credit. I had to call 5 times over 3-4 months before I was finally told I wasn't eligible because I had a prior acct with them. This account was years ago and I never made any purchases because AmEx couldn't get me the info to make the qualifying purchase ( a XXXX flight ) in time and thus I immediately closed it. Never made a purchase or received an award. So, I basically twice missed out on getting the advertised/promised reward. AmEx says I was told in the application process online that I was ineligible but I was not. I would never have opened the account. Additionally, if that was so obvious, why did no one tell me that on the first 3-4 phone calls. These practices are deceptive and designed to confuse consumers and keep them on the hook with their accounts open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Experian Information Solutions Inc.
State: RI
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 2 hard inquires on my experian account that I never applied for and do not show up on any other credit report of mine. There is no way to dispute this through experian.

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX inquired XX/XX/2017 2. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX inquired XX/XX/2017

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 2017-09-09
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:
XXXX improperly handled my credit score and personal information. It has since been hacked and I am now vulnerable for the rest of my life to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion did not investigate inaccurate account. 
Under the FCRA TransUnion must do a full investigation and remove unverified accounts. 

Unverified account : US DEPARTMENT OF EDUCATION

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 2017-09-09
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX  XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-09-04
Company: Paramount Recovery Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My medical debt from XX/XX/XXXX was acquired by another agency who is misrepresenting the date of the debt. It had been removed from my report in XX/XX/XXXX, because it's a NJ debt, but reappeared on my report by the new agency. They had the date of service as of XX/XX/XXXX, instead of the original date. I filed a dispute with XXXX, but the outcome was that the debt was listed as XX/XX/XXXX, the date they obtained the debt, once again not the original date. Since the debt is 6 years old, this company should not be able to post this once again on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been contacting companies below and the Credit Bureaus since XX/XX/XXXX due to errant notation in the form of HARD INQUIRIES in my credit reports. The Bureaus have not responded to any of my letters and keep telling me over the phone that they cant open a dispute for me. The below merchants just send letters asking me to provide my social security and to sign letters for them which I wont do. According to the Fair Credit Reporting Act, before releasing a consumer 's credit report, clear permissible purpose is needed and I have not provided that since I have NEVER requested credit for the below companies : I request that the Bureaus rescind the errand notation immediately as it is hurting my credit. 

On EQUIFAX : 1-XXXX XXXX/XXXX on XX/XX/XXXX 2-XXXX XXXX on XX/XX/XXXX 3-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX/XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX on XX/XX/XXXX 6-XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX  on XX/XX/XXXX 8-XXXX  XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX XXXX on XX/XX/XXXX 10-XXXX XXXX  XXXX XXXX on XX/XX/XXXX On XXXX : 1-XXXX XXXX   XXXX on XX/XX/XXXX and XX/XX/XXXX 2-XXXX on XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX XXXX on XX/XX/XXXX two times & XX/XX/XXXX two times as well 5- XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 6-XXXX/XXXX/XXXX on XX/XX/XXXX 7-XXXX XXXX  on XX/XX/XXXX 8-XXXXXXXX XXXX on XX/XX/XXXX 9-XXXX XXXX/XXXX on XX/XX/XXXX 10-XXXX/XXXX on XX/XX/XXXX On XXXX : 1-XXXX/AXXXX XXXX XXXX on XX/XX/XXXX 2-XXXX XXXX XXXX   on XX/XX/XXXX three times! & XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX/XXXX  on XX/XX/XXXX 6-XXXX XXXX XXXX  on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 8-XXXX on XX/XX/XXXX 9- XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX The only merchants that have answer just keep requesting further personal info, but cant provide me with further info as to who gave them permission to perform a Hard Pull on my credit without me providing permission to do so or without me even applying for their services. 

PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I tried to get my free annual report online. The challenge questions seemed to be about accounts I did not recognize. When XXXX would not let me see my report, I sent my request in writing. Equifax wrote back to say they needed Identification and Address documents. I responded onXX/XX/XXXX, including large copies of my Social Security card and Florida driver license ( which shows my current address ). Equifax sent me a form letter, saying, again, that they need Identification and Address documents. So, today I am sending my request to them in writing again, with new copies of my Social Security card and driver license, since they may have lost the first ones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I apply back in XX/XX/XXXX ( Ref : XXXX ) for a green card from american express that offer XXXX rewards point after I spend XXXX in three months, I spend the money and I didn't received my points, I called at the beginning of XXXX and they told me that my application was not associated to that reward points offer, I wait to paid the statement of XXXX to see if after the 3 months they apply my points reward and nothing was applied, On XX/XX/XXXX I was in the chat with a supervisor and they said the same, and that they will open and investigation about that. I just finish to chat with american express again and the said the same that the investigation is open and that they didn't see link to my application the welcome offer. I have the gold car from american express and with this card I have the same or best Amex Offers & Benefit than with the green card. the only reason that I applied for the Green was for the XXXX points offer, and they said now that the benefits from my application in that card was the XXXX fee annual the first year, that its ridiculous how i'm going to apply for a card that only offer XXXX annual fee the first year?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, the FTC report I filed on their website and the Police Report which I filed on my local Police Department to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be REMOVED and BLOCKED. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}

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