BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
inaccurate information showing on credit report. this is a FTC violation.

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 2021-09-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a supplemental tax bill from the XXXX of XXXX, MA. Right after I received the bill, I contacted my then servicer XXXX XXXX to ask if they would pay the bill or if I needed to. They got back to me saying that they will ( I have the the emails ). Subsequently, XXXX XXXX sold the loan to Chase. I recently noticed that the supplemental bill hadn't been paid, and I had now accrued a {$55.00} penalty and interest for late payment. I reached out to Chase, explained the situation and said that they should pay out of my escrow since I was promised that by XXXX XXXX. Had XXXX XXXX told me they would not pay, I would have paid on time. I also told Chase that Chase should pay the late fees since it was not my fault and the fault lay with them. Chase did not review all communication and promises made between XXXX XXXX and me. So this is negligence on the part of Chase. Had Chase told me when they bought the loan that they will either not pay or will take the interest out from my escrow I would have solved it with the city or the city of XXXX, MA. But now the money is out of my account. This is malpractice and negligence on the part of Chase. I also called asked to talk to a supervisor and was told I will be called back. But no one called me back. I want chase to refund to my escrow account the money they paid for the late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a costco citi card. Two weeks ago, I called and disputed a {$60.00} cash advance fees that I had been charged out of the blue for using XXXX. Citi ultimately reversed the charge and I have stopped using XXXX. However, I continue to see {$10.00} cash advance fees pop up in my transaction history every day or every other day. I dispute everyone of them and Citi removes them, but I am tired of this game. I don't take cash advances on this card, or in general. I try to keep my card paid in full and spend $ XXXX to $ XXXX on it each month. I'm fed up with Citi 's schenanigans. How many people have been assessed a series of {$10.00} cash advance fees for no reason and failed to catch and dispute 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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX XXXX # XXXX 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 reportinq 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 I Hems or information Any other adverse item or information, other than records or convictions or 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 explanation
Consumer complaint received 2020-09-17
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:
Hello, I just noticed these fraudulent charges appeared on my credit report and I need them to be removed as they are a fraud. I never give consent or permission to anyone to charge my accounts. please be sure to remove these unauthorized fraud activities out of my report. My wife and I are very affected by this situation, we are trying to buy a house and because of these fraudulent activities, we are not able to make any move. Please consider removing them from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: WELLS FARGO & COMPANY
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:
WELLSFARGO REPORTS TO GIVE OTHER CREDITORS THE IMPRESSION I AM A XXXX XXXX. I CALLED WELLSFARGO TO MAKE A PAYMENT ARRANGEMENT DUE TO LOSS OF EMPLOYMENT. WHEN I ARRIVED TO PAY THEY DID NOT HONOR THAT. I ONLY OWED XXXX DOLLARS AND WOULD BE REIMBURSED XXXX. THEY STOLE MY MONEY AND CLAIM IN THEIR INVESTIGATIONS NO ATTEMPT OR PHONE RECORDS ARE ON FILE. THIS HAS BEEN REPEATEDLY DISPUTED. I HAVE CONTACTED XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Ally Financial and other companies fraudulently pulled my credit report without my authorization. These unquurues were not authorized and are fraudulent : Ally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I just noticed these fraudulent charges appeared on my credit report and I need them to be removed as they are a fraud. I never give consent or permission to anyone to charge my accounts. please be sure to remove these unauthorized fraud activities out of my report. My wife and I are very affected by this situation, we are trying to buy a house and because of these fraudulent activities, we are not able to make any move. Please consider removing them from my accounts.

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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2019-07-27
Company: Experian Information Solutions Inc.
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:
EXPERIAN REPORT NUMBER : XXXX THIS IS A REPLY LETTER FROM YOUR REQUEST. I HAVE ENCLOSED 1 ) ID/DL 2 ) SS CARD 3 ) UTILITY BILL 3 ) FTC REPORT PLEASE REMOVE THE LISTED ITEMS FROM MY CONSUMER REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The only name that should be reported on my credit report is XXXX XXXX XXXX. 

No other name is correct. I have tried time and time again to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have a hard inquiry on my Equifax report and I never heard of the company and they provide no information on it in the report. I have had no dealings with this company! It looks like this : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   This inquiry could stay on your report untilXXXX XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 

I have had no dealings with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: M&T BANK CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2019-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I went to get a credit card and they told me someone is using my social security with different bank companies.

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 2020-09-17
Company: SYNCHRONY FINANCIAL
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:
Received letter from XXXX XXXX XXXX XX/XX/XXXX notifying me of line of credit decrease based on credit report from XXXX indicating a delinquent account in the amount of {$590.00} with SychronyTJX Rewards. Upon accessing my credit report I discovered that somebody had fraudulently opened an account with this company on XX/XX/XXXX. I proceeded to dispute the fraudulent account with XXXX. XXXX then referred the dispute to Synchrony on XX/XX/XXXX. I then received some paperwork from Synchrony dated XX/XX/XXXX which I completed and faxed back to them on XX/XX/XXXX. Synchrony did its  investigation. And in a letter dated XX/XX/XXXX acknowledged that the account in question was not opened by me and I was therefore not responsible for same. Subsequent to that, however, I received an email from Synchrony on XX/XX/XXXX wherein they are reversing their prior determination and stating that I am in fact responsible for the fraudulent account.

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 2020-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am not getting paper statements or via website. I have the due date programmed in my calendar in my phone. I have been calling in each month to pay the minimum payment and not charging anything else on the card. The balance keeps going up by a lot. I called Capital One and they said I am not making a full payment, nothing is going towards principal and it it is not covering the fees. I asked XXXX on the phone ( Rep ) how I am supposed to know this? I am paying what the automated system is telling me is the minimum payment. He could not give me numbers or any explanation. I asked for a Supervisor. He hung up on me instead. I have had them before and they did the same thing. I got rid of them ASAP. I have them now as they purchased the card I have. They are the only Credit Card Company that does this. All of my other cards they can calculate and tell me when I call them why I have the balance I have and that part of my payment is going to principal. I am aware that the minimum payment does not get the balance get paid off quickly however something should be going to it. And if I am able to pay more it should be going there. As well as when I call they shod be able to tell me why my balance is going up, fees etc. Capital Ones business practices should seriously be looked at

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
My account should be marked paid up to date. Not late on any reporting agency. 
I spoke with the company to remove these. And update my payments they agreed

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 2021-10-27
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Enhanced Recovery Company , LLC violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-01-12
Company: Experian Information Solutions 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 filed a dispute by mail with Experian regarding inaccurate information being reported. Experian indicated the information was valid however they failed to provide details that I requested such as how they verified the information and requested supporting documents. Experian continues to dismiss my request along with actually verifying the account which can be proven by looking over my report. There are clearly errors on my report that manipulates the status of limitation and if Experian was actually reviewing and conducting an investigation then they would have identified those errors and if they were ethical then they would have deleted/updated the account. Experian continues to send generic responses stating it was validated when it wasnt. An actual ethical investigation has not taken place and they need to be held accountable as this has a negative impact on my report and credit score.

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 2019-03-29
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:
My complaint is against all 3 credit bureaus : XXXX, Transunion and XXXX. Im a victim of fraud and previously I submitted a complaint against XXXX bank since they are refusing to remove a fraudulent account from the all 3 credit bureaus. The account is from XXXX bank account # : ending in XXXX with a balance of {$3700.00}. This incident took place in XX/XX/XXXX. I was aware of this situation almost 1 year after in XX/XX/XXXX because a collection letter was sent to me. I already filed an FTC ( federal trade commission ) reporting this incident and also a police report which you are going to be able to see attached to this complaint. Im also sending to all 3 credit bureaus an XXXX   claim as a last warning in case that account still reflects 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 explanation
Consumer complaint received 2020-09-17
Company: Paypal Holdings, Inc
State: CT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
It all started when i received word from XXXX XXXX, my credit monitoring company that the XXXX XXXX XXXX ( XXXX  ) had pulled my XXXX  report on XX/XX/20 regarding an application submitted fraudulently in my name for the XXXX loan. I called the XXXX that same day and reported the application as fraud. Today, XX/XX/20 i received a debit card from Paypal to provide a way to deposit funds for government assistance. To me the two are related. I attempted to call Paypal to get the account closed but i am getting redirected to their website as they seem unable to take calls regarding this matter. When i go to Paypal 's website i am being told the only way i can submit a form for them to contact me to close this account and address this matter is by logging in to my paypal account, which, i don't have. I refuse to make an account for this matter as i don't want to further incriminate myself. I need help with getting this debit card closed, i do not want it and do not take responsibility for any funds associated.

Company response to consumer: Closed with non-monetary relief