BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XX/XX/XXXX I was frauded and XXXX XXXX of my money was taken via XXXX from unknown recipients posing as my banking institution Chase. I was sent a fraud notification and was told from a Chase customer service # or what I believed was chase that my account was in jeopardy and that I must act immediately to stop identity theft and unauthorized transactions. I immediately went to Chase bank after speaking to what I believed was a Chase customer service manager who asked me to log in to protect my account from unauthorized transactions. The next minutes are a blur and I was in a panic once I realized what was happening and I hung up and rushed to my bank to stop pending transactions on my account. When I arrived the manager said that it was too late even though the transactions said pending. I immediately filed a police report after I got home and found my ipad was also missing which had all my banking information and passwords in the notes section. I have also called XXXX and have frozen my credit and put an alert out as per the police department recommendation. My identity and all my banking accounts could be jeopardized. Chase is refusing to reimburse me for this fraud saying I authorized these two fraudulent transactions. I did not knowingly and I believed what I was being told by what I thought was my bank. When I hung up they called back stating that they were Chase fraud team customer support. This has completely traumatized me and it is completely unfair that I not be refunded what was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: OR
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:
XX/XX/2021 : filed dispute w/Equifax - XXXX card shows on my credit report, but does not have my SS # or name. Since I filed dispute I have been on the phone daily for last 2 weeks trying to get this resolved. With XXXX & Equifax personnel. 

This is relatively simple in my mind, I'm doing refinance on my home and all this is holding that process up. 

Equifax says I can't get info on the process of the dispute, I tried numerous times. 

I asked XXXX after verifying they don't have acct. with my name ( s ) or SS # but I can not get letter from them so I can close my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It is becoming increasingly clear that the credit reporting companies are becoming ever more aggressive in their efforts to exploit the unlimited authority granted creditors by the FCRA to extort consumers into paying fraudulent debts -- by granting private companies the authority to access consumers ' personal information without their consent or the authority to consider evidence of any criminal activity associated with said information or report it to the authorities -- to likewise use the credit files of consumers to extort them into purchasing unnecessary services offered by the credit reporting companies as a price for submitting online disputes of the information contained in their credit files.

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 2017-12-20
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 several inquiries on my credit report with both XXXX and Transunion that i did not authorize. I have sent letters to them and faxes disputing these inquiries and was told to contact the companies. When I called the companies they told me that it was up to the credit bureause to remove the unauthorized inquiries. I then contacted the credit bureaus again and then was sent a letter from both of them stating the same thing which is ( Please note your specific consent to the release of your credit information is not necessary for a permissable purpose to exist. ) These are hard inquiries which lower my credit score. And if I dont have to give my permission then why are inquiries even a contribution to any part of a credit score. I did not authorize any of the inquiries listed below.

XXXX : XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX & XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Transunion : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I did not authorize  these inquiries with any of the above listed companies on or around these dates. 
Thank You for your time.

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 2023-01-31
Company: Early Warning Services, LLC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I currently filed a bankruptcy with the federal government. The bankruptcy was filed in the state of ILLINOIS. Case # XXXX to XXXX XXXX XXXX XXXX XXXX There are false and negative information being reported. XXXX asking for this negative information and debts be removed from my consumer report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am trying to apply for another Apartment because where I live is not safe. Someone is using my identity at other addresses and social number. Addresses I never lived or stayed at phone numbers I never used. Jobs I never worked at

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 2021-03-25
Company: LoanCare, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New mortgage servicer has all of my information wrong and refuses to correct it, or even call me back. The inaccuracies listed below are part of a open ticket # XXXX. I really don't see that its my fault that they do not know what they bought in my loan from XXXX. 

" Please update my account to the correct info. 

XXXX said they took the loan XXXX, I have a letter from XXXX saying it transfers on XX/XX/XXXX. 
The amount owed XXXX is showing is $ XXXX my loan remaining amount is roughly $ XXXX it shows I am accruing interest daily at the $ XXXX rate, possibly with late charges since XX/XX/XXXX, why? 

XXXX says XXXX payment hasn't been paid, I have paid both XXXX and XXXX payments early. 

My Insurance is prepaid for the year ( in full, XX/XX/XXXX ), so, why we are XXXX taking extra insurance for XXXX, as shown in Escrow breakdown? 

The info in account is in quite a poor state. Please let me know when all this will be fixed '' XXXX refuse to mail me back or call me. When I call in, the customer service rep has no clue about anything other than what's on his screen ( wrong information ) then, I'm on hold for a supervisor for over an hour then the phone hangs up before the Supervisor answers.

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 2020-05-16
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: Account information incorrect

Complaint:
Trump signed over a new rulings to defer our loans for 6 months but there's not supposed to be a retaliation to the American citizens over this. I'm one of the citizens that declined the deferment because I didn't trust the system. And I have good reason, last week the credit bureau has added XXXX XXXXof capitalized interest on my student loan dropping my credit score 118 points. XXXX stated they did not send this information to credit bureau. Somewhere there's an assumption that I took the deferment. Now the credit bureau has added this capitalized interest to my student loan which is not accurate. It takes you one day to do destroy my credit and it will take me a year to correct it.

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 2021-06-22
Company: CITIBANK, N.A.
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:
the following accounts appear on my credit report, without any authorization, they are not mine, they are hurting me, please review them Identity Theft Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2017-12-20
Company: New Century Auto Sales, Inc.
State: MI
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 was at a auto dealer on behalf of my brother as a cosigner. I ask the Salesperson to do not inquire my credit by more than one financial service ( creditor ). He agreed but I have three inquires on my credit report - XX/XX/XXXX. In XX/XX/XXXX I called the salesman ( XXXX ) and asked why he did not follow our agreement and he 's response was that it was not him, it was his manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
IVE NOTICED THAT I HAVE BEEN A VICTIM OF ID THEFT/FRAUD AND ITS STILL GOING ON

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 2018-07-15
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: Public record information inaccurate

Complaint:
I HAVE COMPLAINED TO ALL THREE CREDIT BUREAUS ABOUT FEDERAL LAWS THEY ARE VIOLATING ON REPORTING MY CREDIT FILES, BUT IT COULD TAKE UP TO 90 DAYS, I UNDERSTAND THEY HAVE 30 DAYS. THEY ARE VIOLATING THE XXXX VETERANS PROTECTION ACT OF 2010 TITLE 38, SECTION 5301. THEY ARE VIOLATING FAIR CREDIT REPORTING ACT. THEY ARE VIOLATING CONSTITUTIONAL LAW AMENDMENT XIV, SEC 4.  THEY ARE VIOLATING TRUTH IN LENDING LAWS, THEY ARE VIOLATING FEDERAL CONSUMERS PRACTICE ACT. THEY ARE VIOLATING FEDERAL EXEMPTION LAWS. XXXX LAW DICTIONARY. I WANT MY CREDIT FILE RESTORED WITHIN 30 DAYS, NOT THEIR 90 DAYS THAT THEY SAY IT WILL TAKE THEM. I EXPECT THEM TO FOLLOW FEDERAL LAW GUIDELINES, NOT THEIRS. SIGNED XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX, TX XXXX 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 explanation
Consumer complaint received 2019-03-01
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:
On XX/XX/2019, I submitted an online dispute with TransUnion regarding the balance that was being reported on the XXXX XXXX ( XXXX XXXX XXXX ). However, I never stated that I did not recognize or was responsible for this account because I am an AUTHORIZED USER on this account ; I only requested to have the balance updated to show the accurate amount. Instead, without my authorization or approval, TransUnion has deleted this account from my credit report which has negatively impacted my payment history. 

Please add this account back to my credit report, immediately, Failure to do so is a direct violation of the FCRA. Additionally, please send me an updated copy of my credit report once this matter has been resolved.

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 2021-08-09
Company: NFM, INC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have an loan with NFM Lending and they have messed up my account. I have live hear for 14 months and have made 15 payments but they say I'm delinquent. I have talked to several supervisors and this issue is not fixed. I have reached out the VA administration for help and this company has not given them the information to fix my account. I sent NFM Lending my payment history and still they say I'm in delinquent {$990.00}. I have reached to the person who works for the company that sold me this home and the problem is not solved. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CITIBANK, N.A.
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:
I have been a Victim of ID Theft and multiple Inquiries are reporting on my XXXX  credit report from CitiCard, Exxon CitiCard, THD CBNA, and Best Buy CBNA. I have enclosed a letter with the dates of each occasion. I have contacted XXXX  explaining the situation and they have referred me to CitiCard to have the fraudulent inquiries removed. I contacted CBNA and they are not helping me to resolve this issue. The multiple fraudulent inquiries are hurting my 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 non-monetary relief
Consumer complaint received 2021-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I went to a Bank of America Branch to wire money to an Auction I bought an item from.The amount involved is XXXX XXXX XXXX and XXXX XXXX Dollars ( {$25000.00} ). The Auctioneer gave me detailed instruction on the transfer because it involved a Beneficiary Bank and an Intermediary Bank. The Associate at the store did everything right and I signed off before the transfer. However, when it got to the wire department, they sent the money to a different intermediary bank.I waited a day after ( XX/XX/2021 ) the transfer to see if it had posted. I called the beneficiary, Auctioneer, who told me he hadn't.I then called Bank of America again and they told me to wait. Because I needed the wire to post within a day, I paid for overnight wire fee. On day 4 after the wire had not posted, I arranged a 3-way call with a Representative from the beneficiary financial institution, myself and someone from Bank of Amerca 's wire department. It was during this 3-way call that it was revealed the money had been sent to XXXX XXXX, as the intermediary financial institution. XXXX XXXX  was never part of the transaction so it was a surprise to both myself and the rep from the beneficiary bank. So I decided to place a recall of the wire right away.. This was on XX/XX/2021. Since then, Bank of America has given me the run a round giving me so many excuses for not giving me my money back, from 'We have sent the request, to the other bank has acknowledged it but it's up to them when they return the money. In the mean time, I had to borrow to complete the payment for the item I purchased. I have tried at every call to let them know the financial distress I'm in because of the delay in getting my money back. Every time, I get told the same thing, that it's up to the other Bank when I get my money back. This is causing me a lot of distress.

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 2023-05-12
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( syncb/pc Richard XXXX XXXX XXXX ), has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2021-06-22
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Southwest Credit System on XX/XX/2021 and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them.

I also informed Southwest Credit System that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found, including but not limited to late payments, on any of my credit reports by their company or the company that they represent " XXXX XXXX XXXX '', I will not hesitate in bringing legal action against them and their client for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. 

I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company and the client they represent. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. 

In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ) ,15 USC 1692f ( 8 ). 

I appreciate the CFPB 's assistance in the matter. 

Best,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I requested that Equifax verify an alleged bankruptcy and they responded on XX/XX/2020 that it was verified through XXXX XXXX. However, my XXXX XXXX file is frozen, so that was inaccurate.

Company response to consumer: Closed with explanation