BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Multiple unauthorized hard inquiries on my credit report within a couple months time. 

Transunion : - XXXX XXXX XXXX XXXXXX/XX/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 XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX is listed as XXXX XXXX, which is not correct.

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 2019-01-09
Company: JPMORGAN CHASE & CO.
State: TX
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:
My debit card was stolen with the pin around XX/XX/XXXX or XX/XX/2018, and used for a large volume of transactions at various locations and the pin was used on some of the transactions. The total amount of fraudulent transactions was around {$2400.00}. I informed Chase by phone on XX/XX/2018, had the card locked, submitted a claim for refund. I received a questionnaire in the mail from Chase about the incident, filled it out and returned it. Chase has denied the claim becuase a pin was used in some of the transactions. I do not know what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30
Company: Chime Financial Inc
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I recently moved, and I've changed my address with Chime Bank. I've submitted the requested documents on several occasions, and they continue to re-ask for the same documents. Due to this poor customer service, I've closed the account, and they owe approximately {$300.00} ( money in the account at the time of closing ). Below is a sample of one of their emails to me. 

Thanks, XXXX XXXX XXXX XXXX XXXX, Here XXXX! I do apologize for the hassle. I can assure you that this is not the experience that we want for you. Unfortunately, we are not able to accept it since the documents submitted are not valid bills and are not submitted in the format requested. 

To allow me to proceed to update this information, please submit a clear photo of your proof of address showing the XXXX corners, unfolded, dated in the past 30 days, and under your name. Once you have shared this information, I will be able to proceed. Additionally, if you would like to get personalized support via phone, you can call us at XXXX. Unfortunately, we are not able to complete outbound calls to our members. I do apologize for the hassle. 

I look forward to hearing from you. 

Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: CITIBANK, N.A.
State: NY
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 received a push notification on my phone from XXXX XXXX that a hard inquiry was done on my account from CBNA this evening ( XX/XX/2019 ). I never applied for anything from Citi Bank. I did receive notice by mail for an XXXX XXXX Mastercard through them but I set it aside to throw it away because I had just received a XXXX  XXXX card just prior and didn't want to damage my credit.

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 2018-03-05
Company: EQUIFAX, INC.
State: MA
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:
RECURRING INFORMATION, Proof that XXXX XXXX XXXX violated and reneged on an agreed Payment Plan. Attached you will find a letter sent to XXXX XXXX, CEO, XXXX XXXX XXXX Corporate Office on XX/XX/2017. The letter clearly spells out that the agreed upon Payment Plan is for {$81.00} to be withdrawn from my checking account each month. I now provide proof, back-up and support that {$81.00} was withdrawn from my checking account with XXXX Bank on XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. The bank statements show and explains the withdrawals. Following the last withdrawal of XX/XX/2017 the withdrawals stopped without notice or written confirmation to me. The account was them placed on credit bureaus ( XXXX, XXXX and Equifax ) that I had defaulted and then charged off. XXXX, Equifax and XXXX did not investigate and discarded my complaint to the benefit of XXXX XXXX XXXX becoming co-defendants. I have now received a collection notice from the XXXX XXXX XXXX XXXX XXXX : XXXX. It is my belief that XXXX XXXX will be somewhat displeased that individuals within their organization would purposeless damage and harm the financial well being of an unsuspecting consumer. I believe that my experience with the credit bureaus will get national attention and rightfully so!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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 ( XXXX XXXX XXXX XXXX ) account # XXXX, ( {$1400.00} ) XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$420.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX ( {$1200.00} ) In reference to the above that these listed accounts be validated per pursuant to 15 USC 1692 et seq. of the Fair Debt Credit Collection Act ( EDCPA ). You have violated my health information privacy rights, and/or committed another violation of the Privacy Security or Breach Notification rules. I never gave permission to share my information with ANY third party, I am aware that HIPPA does allow limited information regarding me, but ONLY can be revealed with my written authorization. I did give any written authorization to release any information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: JPMORGAN CHASE & CO.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
4 Remaining Negative Accounts. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have requested that all Dispute remarks be removed from all accounts on my XXXX, Transunion, and XXXX reporst. The remarks need to be removed before I can close on my home loan. 

I was told by a Mortgage Company to dispute the issues that were in collection and then now being told by the another company that all dispute remarks have to be removed. I called each company and so far the remarks remain on my 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 2023-01-30
Company: EQUIFAX, 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

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 2018-08-31
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in XX/XX/XXXX /XX/XX/XXXX i sent out a letter to XXXX XXXX XXXX XXXXequesting for Validation of this debt that is reporting on my credit report. 
The company XXXX XXXX XXXX, which i hold no contract/no hand signed contract with nor have received services from, reported a collection account against my social security number in the total amount of {$780.00} with XXXX, XXXX, and XXXX credit reporting Bureau. I have requested verification of the debt and account, however the business failed to provide adequate proof. Considering that XXXX XXXX XXXX does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: TN
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:
I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate EVERY piece of information '' on the accounts I have listed below. I stated 15 USC 1681 andAlso, I have attached tracking info XXXX 
According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living, is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on, or with others with whom he is acquainted or whom may have knowledge concerning any such items of information. 

They stated my account was verified nut how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXXXXXX XXXX  -Acct # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX Acct XXXX XXXX XXXX. XXXX XXXX Acct # XXXX XXXX # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # 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 2018-08-31
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: Account information incorrect

Complaint:
I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. 


XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've mailed in by certified mail a COPYRIGHT CLAIM AFFIDAVIT to which XXXX XXXX   has not responded and EXPERIAN continues to report on my credit profile in DIRECT VIOLATION OF THE DODD FRANK ACT, FCRA, FDCPA and several other consumer protection laws.

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 2020-06-01
Company: Experian Information Solutions Inc.
State: NJ
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, XXXX XXXX ( XXXX ) have contacted Experian many times to dispute and remove incorrect reporting of XXXX, account # XXXX. As stated on my previous requests, the images provided accurately depicts that a payment was made on XXXX and XX/XX/XXXX. This is an incorrect reporting of my account status and clearly a violation of my consumer rights. According to the Fair Reporting Act " Accurate Reporting If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. IF THE INACCURATE INFORMATION CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY HAS A RESPONSIBILITY TO REMOVE IT. If you are not able to clear up the matter, you are allowed to add a statement to your credit file explaining the situation. I have disputed this with the XXXX  under File # XXXX ( XX/XX/XXXX ) and they have NOT CHANGED THE ACCURACY OF MY DISPUTE DESPITE DOCUMENTATION FROM XXXX  CONFIRMING NO LATE PAYMENTS. IN FACT, EXPERIAN ERRONEOUSLY ADDED THE MONTH OF XXXX. Again, correct and remove this. In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. I have spoken to XXXX and they informed me they have NOT received any requests from Experian disputing the abovementioned account despite me disputing this item 5 times!!!!!

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 2022-11-18
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 3 credit bureaus to remove erroneous 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 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$9900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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: Account information incorrect

Complaint:
XXXX, Equifax, and XXXX have failed to uphold their grave responsibilities pursuant 15 USC 1681a ; 15 USC 1681b ; and 15 USC 1681c. They assumed a vital role in assembling and evaluating consumer credit and other information on consumers, yet failed to wholly and accurately investigate & report information on my behalf. Because of this, my report does not reflect information accurately across all three major credit reporting agencies and gives an unclear picture on my creditworthiness as a consumer. This is a direct violation of federal laws which constitutes the removal of all false and inaccurate information from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Riverwalk Financial Corporation
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:
Ive tried to dispute with the company XXXX XXXX as i never had an account with this company. They removed the account from my reports and transferred the account to a XXXX XXXX a collection agency. I wrote the company XXXX financial and told them that this is not my account and that it needs to be removed from from my credit reports. The contract signature that they sent out was not even my signature. This is unfair to me as i try to apply for loans to have this report back as verified but doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I just received an email after I submitted a complaint about PayPal denying my XXXX XXXX claim, they decided to close my account without giving me any specific reason. They just said they are closing my account due to risk. Ive had the account for over 3 years. On top of that they are staying any money that comes into the account will be held for 180 days. They are basically stating they will hold onto to any money for 6 months. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
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 information incorrect

Complaint:
On XX/XX/23, I made a total of 6 disputes with Experian and 5 of the same disputes with XXXX. XXXX is closing disputes as paid with {$0.00} balance owed while Experian is closing disputes and reporting that creditor is stating amount still owed. 

Experian accurately updated a XXXX XXXX loan to reflect a XXXX balance and days later it now reflects full amount owed status again. XXXX accurately closed furniture retail card dispute to reflect a {$2000.00} balance to a {$0.00} balance. Experian inaccurately closed dispute for same creditor from {$2000.00} balance to a {$2.00} balance. XXXX closed XXXX XXXX  car loan dispute from {$2000.00} balance to {$0.00}, while Experian closed dispute stating creditor reported amount still owed. 

Since XX/XX/23 I have been trying to upload proof of disputes to the Experian website with no luck. On XX/XX/XXXX I spoke with two very rude dispute Experian dispute reps, one which promised a supervisor call back that I never received. I spoke with Experian dispute rep XXXX on XX/XX/23. I explained my frustration and concern that every dispute to Experian is coming back inaccurately resolved, while XXXX is showing resolved for the same disputes. XXXX stated maybe I selected the wrong dispute reason. I explained I disputed accounts using account paid in full, and I believe this reason was self explanatory as to what I am disputing. I further explained how weird it was that XXXX is providing accurate creditor response and Experian is closing every dispute showing inaccurate creditor response. XXXX then stated maybe I should try disputing again using a different reason.

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