BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX .... XXXX : {$2800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-10-21
Company: EQUIFAX, 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 sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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:
I've filed multiple disputes on accounts that aren't mine due to ID 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 non-monetary relief
Consumer complaint received 2023-02-25
Company: Experian Information Solutions 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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2018-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, XXXX I purchased parts and labor for car repairs, and signed an agreement with the merchant that stated NEW parts would be installed on my vehicle. After I received the vehicle, I noticed that the parts appeared to be used and worn, so I tried to resolve the issue with the merchant. I offered to return the parts if the merchant would pay for their removal. 

When I was unable to resolve the issue with the merchant, I filed a dispute through JP Morgan Chase Bank. The dispute department consistently failed to properly file the dispute, leading to several months of back and forth with Chase. The merchant did not provide any compelling evidence that they had used new parts on my vehicle, they submitted a parts receipt from the dealership dated XX/XX/XXXX ( 6  months after they had installed the parts on my car ) indicating that those were the parts installed on my car. Finally, they admitted to installing parts from a wrecked car, but indicated that they told me they would do this verbally, despite the signed agreement between the merchant and myself stating only new parts were to be used. I do not recall any verbal agreement regarding used parts being installed on my car. 

Chase refuses to reopen the case, will not provide any explanation as to why the decision was made in favor of the merchant, and has failed to protect me as a consumer against a merchant committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Exeter Finance Corp.
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: Was not notified of investigation status or results

Complaint:
I have been trying to get in contact with this company for months. I have not received a response back or anything displaying this account is in dispute when viewing my credit profile. I have sent letters to them on XX/XX/2021, XX/XX/2021, and XX/XX/2021. The company has not responded nor has the bureaus verified the account accurately, The account has not been updated reflecting that I have been disputing, Why is this account still reflecting?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: MONEY SOURCE, INC., THE
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from The Money Source Inc. to XXXX XXXX on XX/XX/2020. 

Prior to this I made two payments to The Money Source Inc. : {$50.00} on XX/XX/2020 and {$2500.00} on XX/XX/2020. The Money Source Inc. never applied these payments to my loan, and transferred the full outstanding balance to the new servicer. 

I reached out to The Money Source Inc. over the phone on XX/XX/2020 and was guaranteed they would resolve this by XX/XX/2020. I called on XX/XX/2020 and was guaranteed a call-back the same day from a supervisor. I called on XX/XX/2020 and was hung up on. 

I have been accruing interest on this unapplied payment since XX/XX/2020, and had to pay the new servicer so I would not be in arrears. They still have not provided me my funds, nor provided information on resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Amerisave I am XXXX year old XXXX person-husband XXXX We need to refi our home. 
Loan person XXXX XXXX ( Phone XXXX ) Informed me that before he could lock the rate ( 2-2- good for seniors 2 believe ) Well he truly got me Paid {$500.00} on XX/XX/2020 -Pulled Credit Report lost 7 points After the document came in XXXX XXXX would not answer my questions on locking the rate! 
He told me that his manager would be calling me on the rate I honestly kept asking why is only Floating is showing. Customer Beware of this unjust action!! 
Trying calling again after I called by personal bank. Why {$500.00} they ask My phone & email show that have no interest in you only collecting {$500.00} and then a Denial I truly feel we were totally Bamboozled-Scammed-Unjust- Along with very misleading prospective customers-Very shady? illegal practice. 
We are living off my social & husband retirement trying to save our property and to do this to people is so so wrong. This company is headed for Lawsuit!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
US bank account was opened and funded on XXXX XXXX, XXXX to fulfill the promotion for the XXXX promotion but incentive has not posted yet. XXXX bill payments were made on XXXX XXXX and XXXX XXXX, XXXX. It has been more than XXXX months but no sign of the bonus.

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 2023-07-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29
Company: EQUIFAX, 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 have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible ( Original Creditor : XXXX XXXX XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2021-06-09
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 XX/XX/XXXX, I checked my bank account and found that there were 7 unauthorized transactions, 6 of which were for the amount of {$48.00} and the 7th was for the amount of {$47.00}. All of these transactions were from the same source, a XXXX account called XXXX. Keep in mind that this is not my XXXX account and when I checked my XXXX accounts, no unauthorized transactions show up in my history. 

So I called Chase 's Fraud department and spoke to a rep as soon as I saw the charges in my account. They put in a claim and told me it would take a few days to get reviewed. My debit card was closed and I was sent a new one in the mail. After a few days, I received a reversal credit for 4 of the charges and the following day, the rest of the the transactions were reversed. 

Now, XX/XX/XXXX, I checked my account and there was a Claim reversal charge of {$48.00} on my account. The bank sent me a letter saying my claim had been reviewed and they found the charge to be legitimate and some my claim is closed. I have tried calling the Chase Fraud team multiple times since receiving this letter, but they double down on what the letter says. 

It is so frustrating because I feel like I can't trust my bank. I did not make these charges. XXXX is out of XXXX. I live in the United States. These transactions are not from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : CAPITAL ONE XXXX Date Opened : XX/XX/2019 Balance : {$68000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Midwest Recovery Systems
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have previously disputed an account with Midwest Recovery Systems, and have had it removed before. Now 3+ years later they are doing the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I REQUESTED THESE ACCOUNTS BE DELETED AS WAS DELETED FROM XXXX AND NOW PUT BACK ON ALL 3 CREDIT BUREAUS. PLS SEE ATTACHED AND DELETE ALL ACCOUNTS OR GIVE METHOD OF VERIFICATION. 

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account-XXXX XXXX XXXX XXXXXXXX -- 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 explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
the copmany transunion is reporting unauthorized inquires on 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 2023-03-21
Company: Self Financial Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXXXXXX XXXX  XXXXfrom XX/XX/XXXX amount comes in different now XXXX & XXXX now on my bill again XX/XX/XXXX & XXXX XXXX is XXXXfor XXXX on XX/XX/XXXX which was refunded from XXXX but self credit wont remove charge on XX/XX/XXXX & XX/XX/XXXX on bill 3 times for XXXX XXXX XX/XX/XXXX XXXX declined transaction XX/XX/XXXX XXXX declined transactions Im being charged for all these charges my XXXX rights XXXX disputed them with self XXXX  sent them paperwork of proof Im told there is no amount for first one and Im denied my rights to dispute these when I made payment of XXXX they put transaction threw I dont have merchandise and I want off my bill and my credit report Im over balance they are going to close my account so I need ur help getting removed from XX/XX/XXXX to today XXXX paid over and over for these things I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
I've reached out to Macy 's on two separate occasions requesting lawful information under the Fair Credit Billing act. All letters were sent via priority mail with tracking. All requests were received by MACY 'S Credit Dept, yet ignored. These are clear violations of the Fair Credit Billing Act. The interesting part is that I've disputed this account with all three credit bureaus on multiple occasions and the bureaus " claim '' that MACY 'S responds to them and verifies the account. It's become very clear that the information I'm requesting no longer exist with Macy 's. 

After sending letters to the original creditor and not getting a response I decided to dispute it with XXXX, XXXX  and XXXX. I've even sent them a copy of the letters sent to MACY 's and asked them to remove the data but they have also ignored my request. The bureaus can clearly see that I've put forth effort to reach the original creditor for verification/documentation but they decide to leave it on my credit file. The bureaus are violating the FCRA by allowing this data unverified data to be reported. 

I've attached all correspondence sent to Macy 's, including my most recent letter dated XX/XX/2019 which is being mailed out today. Delivery confirmation of previous letters is also attached.

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 2023-07-24
Company: EQUIFAX, 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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 CONTACTED TRANSUNION ABOUT SOME INQUIRIES THAT I WAS NOT FAMILIAR WITH AND I WAS TOLD THAT THEY COULD NOT DO ANYTHING ABOUT THEM. I CONTACTED SOME OF THE COMPANIES THAT PUT THE INQUIRIES ON MY REPORT AND THEY SAID THAT THEY WERE ALL DONE ON THE INTERNET AND THEREFORE THEY HAVE NOTHING THAT HAVE MY WRITTEN CONSENT. 

I AM REQUESTING THAT ALL INQUIRIES BE DELETED BY TRANSUNION IMMEDIATELY BECAUSE THEY SHOULD ABSOLUTELY HAVE MY WRITTEN PERMISSION TO PULL MY CREDIT. THIS WILL ALLOW ME TO START TO MONITOR MY CREDIT VERY CLOSELY AND BE AWARE OF ANY NEW INQUIRIES.

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I currently have some fraudulent inquiries appearing on my Transunion 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