BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX an unethical collector for XXXX is knowingly reporting inaccurate information and responding to you with misleading responses to get you to close the complaint and they are getting away with publishing inaccurate information as a way to collect on invalid debts. This has to be stopped! They are reporting XXXX Account # XXXX and it has several inaccuracies because it is an invalid debt. I have attached a copy of another creditors response to this complaint that proves the Amount is inaccurate, They are reporting {$1700.00} for a account that XXXX  says was {$610.00} and the dates are inaccurate it says XXXX different opened dates XX/XX/22 and XX/XX/22 and last active date as XX/XX/22 and XX/XX/22 which makes the open date after the active date and I am saying the Debt is NOT mine because I have not lived at that address in 3 years so it is impossible for me to have a cable debt there from XX/XX/22 or XX/XX/22! This is willful violation of FCRA Statute 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 2021-10-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
on XX/XX/2021 I receive a letter from Wells Fargo stating that my application # XXXX was not approved. They stated as reason - Nature of credit risk posed by termination of other accounts. And they said they based their decision on a report by XXXX. I order the report from XXXX as soon as I got the answer from the bank and my credit score is XXXX and there is nothing against me now or in the past. Talking to the company, they stated I was banned forever from the bank and will not be able to open an account never more. I also verified if my name or any entity where I'm or was connected has any restrictions posted in XXXX  and some other similar services and I could not found anything. The bank may be base his decision in unreliable sources or simply decide to discriminate me. I'm uploading the letter from the bank and the credit report as reference.I 'm not criminal as the bank try to make me feel and I deserve to have equal and fair treatment from this bank.

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 2020-10-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Submitted a request for one of three free annual credit reports with Experian credit reporting, about a week after I saw an unauthorized transaction with expirian on my banking statements. I did not provide my information nor authorization for Experian to charge. This is a fraudulent charge placed by the company without my awareness. Experian should not be permitted to access accounts to post charges without permission that it has gained access to in the credit reporting process.

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 2022-10-04
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I was selling a music festival ticket on XXXX XXXX XXXX. We were messaging for a bit and he offered to XXXX me for the ticket. Then, he told me he sent it but the money couldnt go through due to my amount capacity and that I should have received an email from XXXX as well. My guard was totally down because at first I completely believed that these emails were actually coming from XXXX. Then, I follow the instruction in emails and had to send {$240.00} to extend to the amount capacity of {$500.00}, because he sent {$260.00} ( the music festival ticket price ). I reached out to my bank, Chase in XXXX, Arizona and they went ahead and filed a dispute. They told me if I hadnt heard anything in 10 days and the money hasnt gone back in my account, I should call back. Being a college student, I had a busy week and was unable to call the bank during their hours on the 10th day. I finally had the chance to call them today, XX/XX/XXXX. They let me know that the investigation had already been closed so there is nothing they can do. First, why would they close the investigation before notifying me. Secondly, they let me know since I approved the XXXX transfer there was nothing they could do and had no protection for scams. I have also heard of cases where people have accidentally XXXX the wrong person and the recipient refused to return it, but were still able to get there money back. Please, I am a college student and this is some money I could actually use. I would just like the money back, nothing more, nothing less. I will become more aware and skeptical to lessen the likely of this ever happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Experian Information Solutions Inc.
State: OH
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:
I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX   XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY 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 2021-11-30
Company: Experian Information Solutions Inc.
State: NJ
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 been disputing a chapter XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on XXXX, XXXX and Experian 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 2021-06-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Their system treats me horrible their fraud prevention its not fair it says Im a highe risk without even checking my credit and I cant get anything approved this way it wont even see if I qualify but they day itd normal so I cant have an account why cant they process and help manually or fix the problem they have with me Its not fair it doesnt even check mt credir it just says the samethinf high risk app when Im Not Thank you for applying for a BP credit card. You will receive a decision on your application by mail within 7-10 days. If you have provided us with a valid email address, you may receive a response by email within 3-4 days. 
Return Your request reference number is : 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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  has violated my rights. 

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 2020-07-18
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
I contacted Chase Auto Finance in XX/XX/2020 as a result of the COVID-19 pandemic. I was granted an extension for the installment dates of XXXX, XXXX, XX/XX/2020 after answering qualifying questions for the COVID-19 payment assistance program. At the time the extension was granted disclosures were read by the Chase representative explaining the account would not accrue any additional interest as a result of the deferment, and I verbally agreed to this change. 

As of XX/XX/2020 my credit report reflects the following, Collateral - Deferred to XXXX Remarks - payment deferred Payment History - XXXX 2020 - NR Date of last payment XX/XX/2020 As a result of his verbiage on my bureau, on XX/XX/2020 I received notification from another creditor XXXX XXXX  XXXX  that due to a drop in my credit score my line of credit has been reduced from {$6000.00} to {$4500.00}. After escalating my concern to the DIrector of Credit at XXXX, I now understand my credit line was dropped due to this indicator, not due to a reduction in my credit score. Additionally the utilization rate on this card now reflects higher, resulting in a decrease to my credit score. 

Chase Auto Finance granted this extension and disclosed everything except the fact that these remarks would reflect on my credit report. They did not disclose to me that this would reflect as a risk indicator on my credit report to other creditors that I was experiencing a financial hardship. My loan is currently paid up to date. The XX/XX/2020 installment was paid prior to the due date. I am currently not in a hardship. Chase did not explain or disclose to me that there would be potential adverse activity to my credit as a result of granting this extension. It was supposed to allow me time to defer my loan payments without penalty. I have been penalized by utilizing this remedy offered by Chase that was supposed to prevent a negative report on my credit for these months. Chase did not give me the opportunity to decide if I wanted to accept the deferment provided this would cause adverse activity to my credit. I would have resumed payments without a 90 day deferment provided Chase given me full disclosure how this would effect my credit report. This is not a fair or accurate record of my credit with Chase Auto Finance and is a violation of the FCRA. 

I have reached out to Chase Auto Finance and called the Credit Dispute Processing Department XXXX and my request to adjust the verbiage on my bureau was denied by the representative I spoke to. He refused to give me the name of a party to escalate my concern to and advised I needed to speak to Chase Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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:
THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED BY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM 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 2023-05-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX did not have my express consent or written approval to access my credit. I would like this inquiry stricken from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
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:
I have never had a relationship with XXXX XXXX ( original creditor ). XXXX XXXX XXXX is reporting a collection account of {$1200.00}. I have contacted XXXX XXXX to inform them of a fraudulent account and was informed there is nothing they can do given that XXXX XXXX XXXX is collecting on this delinquent debt. I contacted XXXX XXXX XXXX   immediately following my call to XXXX XXXX. I was transferred to a voice mail and my call never returned after leaving detailed information. XXXX and Experian refuse to remove this fraudulent account from my credit 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 explanation
Consumer complaint received 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom It May Concern, On XX/XX/2018 I am being hit with a hard inquiry I never authorized said Inquiry from XXXX. I never signed any paper or document allowing them to run my credit. I would like this removed from my file. Unless further proof can be shown. I have no knowledge of this.

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 2023-05-18
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:
XXXX XXXX ( XXXX ) I have a current creditor on my credit profile that is constantly increasing and decreasing payment amounts due, reaging debt. I have submitted various of disputes to the credit bureaus to investigate this to no avail. This creditor is also altering last activity dates.

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 2019-07-05
Company: I.C. System, Inc.
State: CO
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 switched phone providers earlier this year. I returned the leased phone I had with them. I also paid the final amount of my bill. All done at the XXXX store, or over the phone with a XXXX rep. However, when submitting a mortgage application I was notified that XXXX sent my account to collections. I call XXXX, and I keep getting the same response. Your account is in good standing. Your account has a zero balance. And that my account was not in collection. I try to contact a supervisor on the phone, and that seems to be impossible. I contact the collection agency, and they tell me that the debt is now at a XXXX balance because XXXX notified them of the bill being paid in full. They refuse to delete the item from my credit report now.

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 2020-07-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 my personal and business information was stolen and used to obtain a {$140000.00} loan with SBA under the false business name of XXXX XXXX XXXX with my tax i.d . SBA advised me that the funds were sent to this account XXXX at Chase routing number XXXX. This is not my account, it belongs to the person/people who stole my personal and business information. Chase stated that XXXX XXXX XXXX is not the name on the account and my tax id is not associated with this account. Chase 's Fraud department XXXX XXXX XXXX advised me that there is nothing Chase can do as the account holder would need to call them directly. This makes no sense! They stole {$140000.00} why would they call and volunteer this information? Chase has not been helpful in helping me with this fraudulent activity at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XX/XX/2018 I discussed a payment extension with this creditor for the XX/XX/2018 installment. At the time I lived in XXXX  and was in the process of relocating to XXXX. The representative who agreed to process my extension for the installment due XX/XX/2018. I relocated to XXXX  on XX/XX/2018. I never received confirmation this extension was processed. 

My mail began being forwarded sometime in the month of the XXXX. Once I moved, I never received the document to reflecting an extension. As a result, my loan began reporting past due over 30 days late as of XX/XX/2018. 

I contacted XXXX again on or around XX/XX/2018 advising them my credit bureau reported incorrectly and should show an extension was process for XX/XX/2018 installment payment. The representative explained the loan was 30 days past due and the extension was never processed. She said a letter for the extension was never returned and therefore was not processed. Evidently the State of XXXX  requires an agreement for extension be signed to execute. At that time the representative acknowledged since I now resided in XXXX  the payment for XX/XX/2018 and XX/XX/2018 could be extended with the next payment due XX/XX/2018. Upon reciting company required disclosures an extension was processed for these two installments and my loan was brought current. 

My bureau currently reflects a 30 late payment for the XX/XX/2018 which should be corrected to reflected CURRENT.

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 2023-07-05
Company: EQUIFAX, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
I requested for all closed accounts, and any accounts that violate 15-USC-1681b to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: VA
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:
Under Law ( 15 usc 1681a2 ). All three credit bureaus have been falsely reporting an account from XXXX XXXX XXXX that should not be in my credit report. I have never done any business with this company ; nor did not give written permission to have this account furnished in my credit report. 

Equifax XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation