BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: NJ
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:
This is in response to Equifax reply/response to complaint # XXXX. Your response and inaction is unacceptable. I dont want to hear about results you mailed to me. I did not authorized Hard inquiry request. After 4 repeated attempts to notify Equifax of 3 unauthorized hard inquiries on my report they refused to remove or investigate inquiry with the company they release my credit file to without my consent. these company show up on my Credit report XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX without my consent, written or orally. I did not give it, So I ask Equifax to delete immediately and they continue to refuse. They refuse to provide me any evidence of any authorization, nor any permissible purposes as I have continuing been requesting. So in leu of that according to Section 604 of the  Fair Credit Reporting Act Permissible Purposes of Consumer Reports, can only be released, if initiated by the consumer with his or her permission. I did not initiate access to these companies. Produce documentation or Delete Immediately. Equifax needs to delete hard inquiry for XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX  for releasing credit file with out my consent and failure to show proof of authorization EQUIFAX TAKE NOT I DID NOT AUTHORIZED RELEASH OF MY CREDIT FILE. YOU WILL NEED TO SHOR ME CONSENT FROM MESELF GIVING PERMISSABLE PURPOSE ACCORDING TO THE FCRA Sec.604. DELETE THESE HARD INQUIRYS IMMEDIATELY. FAILURE TO DO SO WILL LEND ME TO FILE LEGAL ACTION IF YOUR NEXT RESPONSE DOES NOT INCLUDE DELETION OF HARD INQUIRY IN QUESTION. I DONT WANT TO HEAR ABOUT A INVESTIGTION THAT YOU COMPLETED AND RESULTS MAIL TO ME. YOUR INVESTIGATION WAS FAULTY AND YOUR CLAIM WAS NOT BACK UP WITH ANY PROOF. PROVIDE PERMISSABLE PURPOSE DOCUMENTS OR DELETE THERE IS NO OTHER SUITABLE OUTCOME. TRY ME AND I WILL TAKE LEGAL ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
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: Account status incorrect

Complaint:
We where given 2 financial deferments in a course of one year  we called in asking for assistants and was given a deferment for XXXX and XX/XX/XXXX these payments where to be put on the back end of the loan. There was 5 payments walked in to the bank and paid for {$1700.00}, {$1700.00}, {$560.00}. {$1700.00}, {$560.00} that equaled {$5700.00} and that was also reported to the credit bureau this payment would equal 10 full payments we purchased the truck XX/XX/XXXX XXXX was our fist payment of {$560.00} we received a deferment in XXXX and was to make our payment in XXXX and was told our account was locked for non payment. XXXX XXXX XXXX  is committing credit fraud they have reported my payments that I made I have copies of a deferment that was given a XXXX has not answered a phone to any of the finance companies that are trying to refinance our vehicle they keep saying it is in litigation and it can not be processed because they don't know how much the car cost they are reporting on my credit as XXXX and XXXX XXXX I want to know what the status of my loan is and why I never received any communication or calls from this company I am totally disputing this account with XXXX and XXXX and all credit reporting agency I want answers about this account I have placed several complaints and this company has never responded I need help with my loan and my credit XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In 2017 I secured a {$1500.00} limit credit card with Chase per the recommendation of XXXX XXXX as a way to improve my credit rating and credit score. Every other week I pay the balance on the card in full. I have set up payments to be sent from my checking account at XXXX XXXX to Chase. I would check to see when funds were deducted from my checking account. Then I would receive notice from Chase the funds had been received and applied to my credit card account. Since day one Chase has arbitrarily placed holds on my card following a payment. There is no pattern to when the hold will be placed. Initially to solve the issue I would call Chase support. They would transfer me to another support person who would then call my bank to see if the funds had been sent. XXXX XXXX confirmed the funds had been sent, then the hold was removed. This scenario occurred the first year. Mid year two when this scenario would occur, I would call Chase costumer support and the initial person I would speak to would remove the hold. During the first two years reason for the hold being placed was : large dollar amount of the payment, payment amount was a certain percentage of my balance, payment amount was a certain percentage of my credit limit, payment amount was more than balance at the time of the payment. Chase could not tell me when holds would be placed. Now in year three the same scenario occurs, followed by the same process to solve the issue a Chase representative tells me they do not know why the hold has been placed on my count, they can not remove the hold, they can not tell me who I can talk with to get hold removed, they tell me they can not tell me policies have changed and they can not tell me where I can go to get information on holds. Thus my credit card has no available credit despite the balance is not at the limit. I can not use the available credit until Chase decides to remove the hold. In the meantime any automatic payments I have will be declined. Excuse me XXXX XXXX and Chase, how is this helping my credit? 
I have attached monthly statements below but they do not show that I pay my balance in full every other week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2019-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 while getting my papers from library printer I left my wallet on the computer desk, at XXXX Library. There are scores of homeless people who visit the library as there is a shelter across the street. I tried not to assume the worst, left the library and went about my business. XX/XX/19 I  receive text alerts from Bank of America of possible fraud. I check my accouny to discover unauthorized, fraudulent charges across the XXXX Virginia area and XXXX. I check my backpack where I kept my wallet since the previous date and my debit card and state ID are missing from my wallet. I immediately contact BofA and they inform me the pending transactions will be stopped, ( but, they aren't and my account is thrown into the negative {$230.00}, DESPITE ME NOT HAVING OVERDRAFT ) and I will receive my money back within three days. I file two claims ; one for {$290.00} and another {$930.00} totalling the amount of money I have not authorized to be spent and recognize as fraud, yet Bank of America has refused to return the funds of this fraudulent activity and allowed my account to be overdrawn when the account DOES NOT have overdraft protection. This has caused me extreme hardship ; can not eat, pay my rent or phone bill, can not get to work as I have no money to purchase a bus pass. I filed police report XXXX, spoke with Officer XXXX of XXXX County Police Department.

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 2023-03-14
Company: Experian Information Solutions 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:
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, 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 explanation
Consumer complaint received 2023-02-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
TD bank close my account without me having any knowledge on XX/XX/2022 I was told it was due to fraud. Ive contacted everyone in TD Bank including headquarters no response on XX/XX/XXXX. I received a notice that my TV mode boom app was hacked and my password was changed and it wasnt me I hadnt received any other information aside from a for the different phone number in the website I would like to know how my bank could be close for fraud that Im not aware of and also be hacked in the same week without any help! Aside from that, and getting any help, I was sent to the branch in which the guy who is every discriminate of arrogant been my card in my face, and all he told me was td no longer one of my services! Ive called Td headquarters and everything and not one person could give you any information on how your account could be closed drastically out of nowhere and you get no answers, and I put in complaints about the representative at the bank which she just smiled like it meant nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Date Opened : - XX/XX/XXXX XX/XX/XXXX Balance : - {$20000.00} {$20000.00} No. of Months ( terms ) : - 72 Months Monthly ( due every month ) High Credit : - {$24000.00} - Credit Limit : - - - Past Due : - - - Payment Status : - Charge-off Last Reported : - XX/XX/XXXX Comments : - CHARGED OFF ACCOUNT Date Last Active : - XX/XX/XXXX Date of Last Payment : XX/XX/XXXX THIS ACCOUNT DOES NOT BELONG TO ME, COMPANY DID NOT PROVIDE PROOF OF VALIDATION OF ACCOUNT OR VERFICATION OF DEBT AND PROOF OF OWNERSHIP

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 2022-02-22
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: Account status incorrect

Complaint:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : US DEPT ED XXXX Balance : {$1800.00} Date Opened : XX/XX/2018 US DEPT ED XXXX Balance : {$2300.00} Date Opened : XX/XX/2018

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 2022-02-22
Company: AMERICAN EXPRESS COMPANY
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:
exercised right to rescind the contract due to AMERICAN EXPRESS fraud and breach of contract evidenced CONSUMER FINANCIAL PROTECTION BUREAU case and complaint id # XXXX as evidenced on the records, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories AMERICAN EXPRESS aided and abetted, in disregard to the laws, AMERICAN EXPRESS has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, XXXX, and XXXX, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither 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 accounts. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Third complaint against TU as they still have not resolved the issue. In XX/XX/2018 a lender made an error in processing a payment and reported us 30 days past due. After the error was discovered and cleared up, the lender submitted updates to change that payment status. TransUnion for some reason processed this as a second account from this lender with the same account number, one appearing with the past due from XX/XX/XXXX and the other showing the correct payment history. This has been disputed with TU multiple times. Each time, they correct the issue, and then the duplicate account appears again. This does not happen with any of the other credit bureaus. This results in a late payment appearing, along with the outstanding balance and monthly payment due being double-counted. I have submitted yet another dispute with TU, but believe this needs to be escalated so that they can fix whatever problem they have processing this particular account. In the response to the last complaint TU said they would take steps to insure this was not reported in error again, but that apparently has not happened.

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 2023-02-11
Company: Credit Karma, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022, I was on the Credit Karma website logged into my account and saw an ad for the " Karma Guarantee '' for a XXXX XXXX XXXX XXXX. Credit Karma said I was guaranteed to be approved for this credit card and if I was denied, I would receive {$50.00} within 60 days of the denial. I was denied the card, but Credit Karma has not paid me the promised {$50.00} despite several times contacting them and providing supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX of XXXX XXXX, CA is a loan agent for PrimeLending in XXXX, CA is performing illegal mortgage loans by switching social security numbers of clients with good credit with those of his friends and family members so they will get approved. One family member I am aware of is XXXX and XXXX XXXX of XXXX XXXX, NV and XXXX XXXX, CA. XXXX XXXX also performed a false evaluation in 2006 for a XXXX XXXX XXXX XXXX XXXX, CA. He appraised the home for a considerably low amount and then sold it for a much higher price. I am aware that he switched appraisals with one of three homes in XXXX XXXX County at the time. One was in XXXX XXXX, CA. I have reported this to his employer and the XXXX XXXX County Assesor. I am also aware that he uses his clients information to open lines of credit for his own personal uses.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: NRA Group, LLC
State: AZ
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 account collections on my credit report that i have been disputing for over 3 months. The accounts do not belong to me and are not even in my name. due to these collections i have lost the ability to get approved for my home loan. I have tried repeatedly to have these removed with no luck

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 is the list of items which do not belong to me or were opened without my permission. 
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 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 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 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 2023-06-27
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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