BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE 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:
On XX/XX/2022 I sent in a dispute. Its been about two weeks and still no acknowledgment of them receiving my complaint. I want every document pertaining to the this entry that your agency uses to validate this debt.

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 2021-08-12
Company: 21ST MORTGAGE CORP.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a grace period for XXXX and XXXX due to losing my job during COVID. The mortgage company denied this because i had no job lined up in the future. Then I had several health issues which made me XXXX. The court found me XXXX  as of XX/XX/2020. Instead of trying to help me out the mortgage company started charging me late fees. The man ( supposed to be a manager ) was rude and treated me badly. I would like to get a reduced payment. I am struggling to pay my bills. After paying everything out of SS benefits I am left with {$170.00} a month for gas and groceries. It is getting impossible. I have drained my savings down to {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX XXXX XXXX ILLEGALLY PUT IN MY NAME ON XXXX TO XXXX. XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.        2. COMENITY CAPITALXXXX OPENED ILLEGALLY ON XXXX AND REMOVAL DATE XXXX XXXX.                                 3. XXXX XXXX  OPENED XXXX REMOVAL DATE XXXXXXXX XXXX. PLEASE REMOVE ALL ILLEGAL OPEN ACCOUNTS ASAP. PLEASE SEND LETTER SO I CAN SEND  LETTER TO XXXX TO REMOVE  THE FRAUDULENT OPEN ACCOUNTS. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: Experian Information Solutions Inc.
State: IA
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 disputed with XXXX  XXXX  XXXX  ( company ) by fax XX/XX/2021. I have disputed this with all 3 credit credit bureaus and Experian is the only company that is not taking this mortgage off my credit report. That house no longer belongs to me. It belongs solely to my ex-husband per the divorce and states so in the decree. That account shows under my married name. Im not married to him and why is it showing up under my maiden name. I have disputed this issue 5 times with Experian and every time they dont do anything to help me. I even went as far as to transfer the title to my ex. My divorce decree is signed by a judge and is legally binding. Is this isnt taken off I will go look for legal counsel.

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 2023-09-19
Company: Byrider Franchising, LLC
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The auto loan CNAC is showing closed with a balance. My report is suffering from this. I paid this account off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent in a dispute. Its been about two weeks and still no acknowledgment of them receiving my complaint. I want every document pertaining to the this entry that your agency uses to validate this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a XXXX XXXX Visa Credit Card provided by XXXX XXXX, I transfer my balance {$7000.00} to three different credit card debts on XX/XX/XXXX. {$1400.00} transfer to XXXX XXXX by Chase Bank credit card, {$3000.00} transfer to XXXX XXXX, and {$2600.00} transfer to XXXX XXXX credit card by Chase Bank credit card again, and the last transfer have failed, {$2600.00} didn't go to XXXXXXXX XXXX credit card, but XXXX XXXX Visa Credit Card balance it been transfer. 
I have call four times customer representatives, first one POOr Attitude, second one very nice give me advice to apply a dispute by letter, third one she is very patience and professional, and last one she put on hold and never answer me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was XXXX  and on XXXX, making the payments late, but still making the payments. The repo man jumped into my car while it was running with no identification, no badge, no uniform, a plain black t  shirt and jeans and took off with my vehicle. When my fianc caught up with the car the tried to find out what was going on and tried to get the car back. The repo man tried to get my fianc to hit him and got in his face, when the altercation got heated he stated he was the repo man. No one was ever harmed or touched. I called gm financial to give them all the late payments and whatever fees were needed to get my car back and they told me I had to pay the car loan in full in order to get the car because the repo man was hit. I explained to many people that no one was harmed and the way the repo took place was unprofessional and unsafe. The had me paying {$25.00} a month for 6 months but soon just stopped contacting me. I went online and my balance said XXXX dollars. Now I see it on my credit as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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:
I am filing this report because today XX/XX/20 I was made aware of some accounts on my credit report that do not belong to me. The way I found out was that I applied to refinance my car and I was not able to do so due to these accounts. I have listed all of the accounts names, numbers and balances on this report. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report, contacted the companies and filed a complaint with the CFPB. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts. I do not have any contract or affiliation to these companies and I have never given them permission to access my credit nor personal information.

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 2023-04-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below las violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # Ending in XXXX, XXXX XXXX Account # XXXX, XXXX, Account # Ending in XXXX, has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 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 rep agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency mu make any consumer report containing any of the following items of information Any other adverse item of information, other than records 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 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 send transunion several letters disputing the following inquiries 1.XXXX-XX/XX/XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX XXXX-XX/XX/XXXX 5.XXXX XXXX XXXX-XX/XX/XXXX 6. XXXX XXXX-XX/XX/XXXX 7. XXXX-XX/XX/XXXX 8. XXXX XXXX-XX/XX/XXXX Transunion is reporting these inquires on my credit report and refusing to remove them. They are reporting not yet proven compliant information. TransUnion has detailed on my credit report reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights instead of marking dispute on these errors after sending several dispute letters instead TransUnion ignored my letter. I informed them that I did not authorize anyone employed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.

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 2020-09-22
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My wife received an unsolicited USbank " ReliaCard '' debit card in yesterday 's ( XX/XX/21 ) mail. We have never had an account at USbank, ever. There is some information on the internet about this being part of some scam. Unfortunately, there is NO WAY to contact USBank. I have tried the XXXX number on the card and the automated system warned that I was th 482nd person in line to speak to a human. I went on line and found where I could activate the card, there was NO WAY to de-activate the card and was pointed to the same sham of a customer support number. Bottom line, and this is confirmed by other 's comments on the internet, is that there is NO WAY TO CONTACT USBANK! 

We even followed the instructions to set up both their mobile and on-line account programs in hopes of finding some way to contact them about this problem. Sure enough, her account with a {$0.00} balance got activated. I repeat - my wife has NEVER had or ever applied for any type of account at USbank. 

# USbank fraud # USbank ReliaCard fraud # USbank customer support is non existent

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 2020-12-06
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 certified dispute letters to XXXX, Transunion, and XXXX  with the latest letter being sent on XXXX/XXXX/2020 requesting for an investigation of the errors on the two alleged accounts that are being reported on both of my Transunion and XXXX  credit reports. XXXX is claiming that I allegedly owe {$710.00} and {$150.00}. There are two inconsistent " Date of Last Activity '' being reported for the alleged {$710.00} account after XXXX, Transunion, and XXXX  have claimed to have validated the account. How is that possible? After reviewing my Transunion credit report it shows that XXXX is reporting a Date of Last Activity on XXXX/XXXX/2020. Under the consumer protection afforded by the FCRA Section 605 (  c ) it is against the law to re-age an account. I am requesting that XXXX, Transunion, and XXXX  be investigated and that the XXXX account be deleted from all of the credit bureaus and from 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 explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-21
Company: JPMORGAN CHASE & CO.
State: IL
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/2023, two {$8000.00} wire transfers were fraudulently wired from my Chase checking account, and one of the transfers was refunded immediately but not the other. I filed a claim and closed the account. I received the forgery packet at the end of XXXX saying the claim was closed until the Claims department received the information in the packet. I contacted the Claims department on XX/XX/XXXX to inquire about my claim and was told the forgery packet arrived XX/XX/XXXX, and there was no update on the claim yet. I contacted the Claims department again on XX/XX/XXXX to inquire about the claim. I was told that my claim was denied in XXXX ( before receiving the forgery materials ) due to Chase believing it was not fraudulent, so it would not be investigated further. I was also told that I was mailed that information in XXXX, but I never received such a letter. I was told that letter could not be mailed again and that there was nothing I could do/no one else I could talk to at Chase about my claim. I was told to contact the recipient of the transfer, but as I did not authorize the transaction, I do not know who received it. I messaged Chase through my account to inquire about the denial of my claim, and was told on XX/XX/XXXX that it appears that I authorized the transfer ( which I did not ), and they tried to do a " courtesy recovery '' but were not successful, so the situation would need to be " resolved directly with the recipient, '' who is someone that I do not know. 
I did not authorize the transactions. I do not know who sent or received the money. I have not done anything that is grossly negligent regarding my checking account. 
I have filed a police report with the XXXX, IL Police Department and provided them with the bank statement with the wire transfer details and any correspondence I have had with Chase. I have contacted attorneys to understand what legal liability Chase has and how to proceed with getting my money back. I would not be going through so much trouble if I authorized these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit Management contacted me XXXX XXXX regarding an account that has not been paid in full. My ex-boy friend XXXX XXXX purchased a bedroom set solely in his name at XXXX 's XX/XX/2016, who is now diseased. XXXX years later I receive a call from Midland Credit Management for the balanced owed telling me it was in my name. I sent them the proof of purchase and his Autopay Account with his information. I am reporting theft of my Social Security, I did not give anyone my so Social Security number for this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
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: Public record information inaccurate

Complaint:
one inaccurate and fraudulent public records has been reporting under my name, this is a 100 % inaccurate information reporting under my name, i will be attaching my documents such as police report and the FTC report provided to both XXXX and the experian credit reporting agency. please you are my last hope in order to have these inaccurate information be removed from my credit file. i need to rent a place and because of this inaccuracy no one is helping me, the customer service for both has been disaster and none helpful. please i need you r help in this matter 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 2019-04-16
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: Public record information inaccurate

Complaint:
one inaccurate bankruptcy chapter XXXX is reporting under my experian credit file. which does not belong to me i had never filed any, i dont know whos information these are that are reporting under my name, i have tried to dispute them but they have not been helpful. please have this inaccurate information removed from my XXXX and experian credit file 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 non-monetary relief
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: GA
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:
Response to Equifax Dispute CREDIT FILE : XX/XX/2020. 
I discovered that I have two different credit reports that were created for me : one for my government name and another credit report for my nickname ( the name I go by and sign my name as ) both using my same social security number. Ive been having issues where sometimes the wrong credit report is being pulled where it says I only have 2 closed accounts and not enough credit to have a FICO score. Equifax should only be pulling the credit report where I currently have a XXXX FICO score with 7 open credit accounts. I recently requested, in separate letters with copies of my driver 's license and social security card, with XXXX and Equifax to have all of my information on one credit report. XXXX was easily able to fulfill this request by combining the information on the reports to only have one credit report, but Equifax is choosing to leave it this way by responding : We are unable to combine your multiple credit files due to amount of data in each. This is ridiculous and unacceptable. I SHOULD NOT HAVE TWO DIFFERENT EQUIFAX CREDIT REPORTS USING THE SAME SOCIAL SECURITY NUMBER! ALL MY INFORMATION SHOULD BE ON ONE CREDIT REPORT!

Company response to consumer: Closed with explanation