BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I wrote a check to my niece for {$1000.00} on XX/XX/XXXX as a wedding gift. She opened an account with CHASE BANK in XX/XX/XXXX at New Jersey, USA. The check was debited out of my account on XX/XX/XXXX into the newly opened CHASE account.

However, Chase c losed the newly opened account and withheld the fund ( USD XXXX ) because of an error in the check I wrote. Instead of writing her official name, I wrote her nickname that we call my niece at home. It was an oversight and an honest error. Chase never flagged this as an issue at the time of deposit, and in fact they took the money out of my account as afore mentioned on XX/XX/XXXX. 

CHASE called me on my land phone line to confirm my identity on XX/XX/XXXX. After this verification call, CHASE communicated to my niece that they will issue a check for XXXX to her that was being withheld. 

On XX/XX/XXXX my niece informed me that Chase reneged on that position and continues to withhold my money. I have since, request CHASE to re-fund the money back to my account but no avail. I went to Chase Branch in XXXX, Colorado and shared my identification and the details of the issue ( Copy of my State Issued Drivers license, and a copy of my Bank Statement, including copy of the check - attached ). The branch helped file a case [ XXXX ] to CHASE Bank Branch complaint escalation line [ XXXX EXT - XXXX ]. I have called this number many times, but no one picks up the line no matter time of the day or night and they do not return any of my calls both on the land line and cell phone number. 

I would greatly appreciate if you can have them return my call on my land phone line and or write a letter with the resolution and refund back my check in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: EQUIFAX, INC.
State: CA
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:
I am frustrated because I have called the bureaus about the inquiries and open accounts on my credit profile for the past 1-2 months and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been applying for new homes and getting denied because of my consumer report. Im being denied, not because income or background. I make good money. My report is pretty clean. The only thing I can think of prohibiting me from being approved is the inaccurate information reporting on my consumer report. I have already sent letters to dispute this information. This info is not showing on my XXXX report. However, 3 Derogatory Remarks on Equifax and one on XXXX. While 0 on XXXX further proving this information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/31, I was in contact with a person selling a ticket to the XXXX XXXX game in XXXX. After texting and talking on the phone for a few hours, we agreed that I would send him half of the money ( {$600.00} ) for the ticket then he would send it before I sent the remaining {$600.00}. After I sent the money he blocked my number and blocked me on PayPal. I reported the transaction to both PayPal and my bank ( XXXX XXXX ) and they both denied the claim stating it would be a loss to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am attaching the letter that I sent to XXXX XXXX, and Trans Union on XXXX XXXX. More than 30 days have passed, and they have not responded yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
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.

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 inructions 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 2021-11-17
Company: SYNCHRONY FINANCIAL
State: SC
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 have a Synchrony XXXX Mastercard that gives points for purchases made with the card on XXXX. I have XXXX points that are available to redeem, but there is no way to redeem them through XXXX. I have made multiple phone calls to Synchrony, who then referred me to XXXX, and then XXXX referred me back to Synchrony. Five months ago Synchrony stated they would credit my account statement for these rewards. Four months and three phone calls later, there has been no credit to my account, and now they are referring me back to XXXX stating Synchrony Bank is not responsible for redemption of the points. My card agreement is with Synchrony and they are responsible for this. 

I also filed a complaint with the XXXX  XXXX  XXXX  two months ago and this did not help resolve the issue. XXXX CASE # : XXXX. 

I have been in banking for 20 years and stongly believe this to be a UDAAP voilation. They advertised a rewards points card, and there is no way to use them.

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 2023-09-05
Company: EQUIFAX, INC.
State: MS
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 told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ), Account name : XXXX XXXX XXXXXX/XX/XXXX ) Account name : XXXX XXXX ( XX/XX/XXXX ), Account name : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ), Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), Account name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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:
Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by means the consumer : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: EQUIFAX, INC.
State: AL
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:
SOMEONE OPEN UP A   XXXX   XXXX    ACCOUNT  USING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BUT THEY USED THE NAME    XXXX   XXXX    WHICH IS A FEMALE  XXXX , I AM   XXXX   XXXX  . I SENT POLICE REPORT TO EQUIFAX AND  XXXX  SHOWING WHERE MY IDENTITY HAD BEEN STOLEN AND THIS WAS FRAUD AS WELL. NEITHER BUREAUS HAVE REMOVED FROM MY CREDIT FILE THIS IS NOT MY DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: HireRight Solutions, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I reached out to Hire Right to advise them that the information they have is inaccurate and incorrect. They stated that the information they have and received was from the credit bureaus. I reached out to all 3 credit bureaus, and none of my information matches the information that Hire Right have. I've stated and verify to Hire Right that this information is inaccurate and they must delete it immediately and I also stated to them they are in violation of my rights under the FCRA. They have ignore and denied my request and continue to report false reporting on my report and even after I verify the information is inaccurate. They are falsifying documents stating that they can not reach me, but then their mailing me out letters. I have mailed letter to Hire Right requesting a reinvestigation and to resolve my issue, Hire Right have declined my request. Due to this inaccurate information on my report I have been declined equal opportunity to housing, loans and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Danco Financial Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
When I purchased this vehicle the sale price was {$10000.00}. I put {$1800.00} down ask somehow the company reported a balance of {$14000.00}. This is NOT CORRECT. After they sold the vehicle, it now shows a balance of {$8100.00}. My interest rate was 28 %. Please remove this account from my credit report immediately as this incorrect information has caused me a lot of emotional distress and higher interest-rates with other lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, 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:
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. XXXX ACCOUNT NUMBER : XXXX Account is not mine please remove from my credit report XXXX. XXXX XXXX XXXX XXXX  ACCOUNT XXXX : XXXX Account is not mine please remove it from my credit report XXXX. XXXX ACCOUNT NUMBER : XXXX This account is not mine please remove from my credit report XXXX. XXXX XXXX  ACCOUNT NUMBER : XXXX This account is not mine please remove it from my credit report However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: Collection Bureau of Walla Walla
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Several months ago those companies sent me a demand for payment, generic letter. I sent them a debt verification letter asking them to verify the debt provide me with the information they need to provide, and asking them to only communicate with me by mail. They responded with a random page from an attorney saying I owe money, but no additional details that I had requested or any information of me agreeing to pay the debt. They began fraudulently reporting this debt on my credit report, so I sent them another letter requesting the same information, to verify the debt and to only communicate in writing. Now they are calling me. And not communicating in writing as instructed.

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 2023-06-21
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed information Midland Credit Management on this account several times and the company has never sent any documentation of the alleged debt information to my address validating the amount owed. I also disputed it with XXXX and they denied the bureaus request. In XXXXXXXX 2022 several phone calls were placed to alleged creditor XXXX XXXX XXXX with the correct amount owed, however company refused to send original documents including a signature where I agreed to pay them for any debts owed. The account was sold to another company without my knowledge permission or agreement where it accrued daily interest, again alleged creditor was asked to confirm amount owed but refused to send letter ( I am unsure of which company the account was sold to, it was closed by original creditor and sold to another bank ). Account was sent into collections in XX/XX/XXXX 2022, no letters were received via mail about the account and the balance reflected on original credit file was XXXX . In XXXX 2022 I was living in another state and another location. I was never sent a letter from the creditors about my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I was approved for a paypal account over a year ago and encourage to use their service consistently which I did. Now as of today they claim I have somehow breached their users agreement outline and have stated that they are holding my funds for the next 180 days without any discussion or reason. I am a completely legal supplement business and veteran owned. How can they hold MY money captive for 6 months with no justification or personal explanation. It is clearly a fraudulent action and is illegal. They have been sued before for this illegal action and they need to be held accountable. 
PayPal is a scam and anything but a businesses " Pal '' XXXX XXXX veterans seems to be a pattern with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Even though their own policy states a consumer can make comments they never have allowed them to be posted. Fact ... a multiple number of reports to confirm that. 
Their latest report another confirmation of their failure ... .rept file XXXX illustrates that deliberate omission. Furthermore they have a number of incorrect cell and phone numbers years old. If we throw in the fact that foreign person 's have access to AMERICANS PERSONAL critical INFORMATION because THEY ARE AN English company located there speaks to the hidden lie protecting you data. When we add all the companies that are allowed to continually access your report there is no way you will ever achieve a good credit score and lenders themselves confirm by fact the Fico score provided by the bureau is always wrong by 40 points or more and do not even come close to each other 's scores. Sadly these facts by opinion are an indication of the great facade of credit reporting.

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 2022-01-08
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Inquiry made by : XXXX XXXX XXXX Inquiry made on : XX/XX/2020 To Whom it May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report and notice that there is an unauthorized credit inquiry made by the company XXXX XXXX XXXX XXXX The listed inquiry was without authorization and I deny making it. I would like to dispute the authenticity of this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-28
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:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation