BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My husbands credit score decreased on XX/XX/XXXX & XXXX, 15points each without any explanation We contacted both Experian several times and FICO and they gave us vague answers as to why, which were completely irrelevant. 

We are about to close on a house and we are stuck because our lives are hinging on this and we can not get answers We feel we as consumers who have our hands tied should at least know WHY a score has changed or dont change it! We are being ripped off by credit bureaus and their reporting Report but explain or dont report!! 

We dont know if its an error or we are doing something wrong

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 2022-12-05
Company: EQUIFAX, INC.
State: PA
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 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 2018-12-09
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 is missing that should be on the report

Complaint:
Positive credit account not reporting for XXXX XXXX XXXX XXXX Loan Paid off. 
As shown in my " CREDIT Alerts '' section of my report on XX/XX/2017. 
Loan Account was paid off But it is not being reported in 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 explanation
Consumer complaint received 2021-01-22
Company: JPMORGAN CHASE & CO.
State: NY
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:
A merchant owes me several credits for past transactions which were put on my account with false pretense. The merchant is forbidden by the Visa rules to issue a refund by check or cash due to credit rules and credit must be posted to account. The merchant directed me to contact the bank to issue a chargeback on the banks end. I submitted the chargeback requests to Chase on XX/XX/2020, and I provided all documentation in consistent wit the Visa chargeback rules. Several weeks have past and Chase responded to me in writing that they are not able to assist. 
Latter Chase explained to me by phone that the reason for not resolving this is because they claim to have encountered some difficulties to process my requests due to some restrictions on my account. They say that when my account was closed by the bank, the bank has placed some restrictions on the account that preventing the dispute department to service the account. 
In the meantime, I still have a balance with Chase and they have no problem charging me interest every month. The only problem they do have is to do what they need to do to resolve the credits owed to me. 
I find Chase actions in clear violation of the Visa card rules and also in violation of the federal and state law. Chase must allow its Billing Dispute department to resolve this matter and they surely have ways to lift whatever restrictions there are on my account so that the billing dispute department can complete what they need to do in order to submit the chargebacks to the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27
Company: Bread Financial Holdings, 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 status incorrect

Complaint:
I have a credit card with XXXX/XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my XXXX, XXXX and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and XXXX/XXXX with no successful resolution. XXXX, XXXX, and XXXX   only reporting me 30 days twice in XX/XX/XXXX and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

16 USC sub-section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been reporting of an identity mix-up on my credit reports ( XXXX, Transunion, XXXX  ) since 2013. I have filed two police reports and spoken to all 3 credit reporting companies with no success. I am unable to open bank accounts at US national banks or obtain credit because the security questions needed to open such accounts are not my questions. They are questions that pertain to another person by a similar name similar birthday as me. I have the name of the person my identity is being tangled up with but all 3 reporting agencies tell me there is no problem.

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 2018-04-23
Company: JPMORGAN CHASE & CO.
State: MD
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 would like to re-open the following claim : XXXX. 

Last year, I filed a fraud report against Chase because someone tried on multiple occasions to get credits cards under my name from this bank, but Chase kept denying this had happened. My complaint was closed after the company finally acknowledged to the CFPB that multiple applications were filed under my name and asked all three credit agencies to mask my personal data to prevent this from happening again. 

Unfortunately, yesterday ( XX/XX/XXXX) someone again tried to open a new Chase account under my name. I learned of this when my credit monitoring company ( XX/XX/XXXX, from the Office of Personnel Management ) sent me a notification indicating Chase had done another credit inquire at XX/XX/XXXXusing my name. 

I contacted Chase, but like last time, they have no records showing I have ever applied for their credit card. 

How can I get Chase to stop processing fraudulent credit requests under my name? I will never use this bank for anything, so why can they just delete all requests under my name?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I have contacted and disputed old, obsolete, and addresses that are not mine multiple times in XXXX. They have been deleted 5 times but continue to reappear with no explanation. I have contacted all my active lenders and other bureaus and have only 1 address on file with them. Why Equifax continues to report false addresses is unexplained, unverified, and they have not provided supporting documentation for these and is a violation of FCRA to add items that have been deleted back on to a person 's report. 

7 addresses have been deleted and reappear 5 times to date. 

Deleted XX/XX/XXXX Deleted XX/XX/XXXX Deleted XX/XX/XXXX Deleted XX/XX/XXXX Deleted XX/XX/XXXX As of XX/XX/XXXX they are again still showing. Confirmed by Equifax representative on call XX/XX/XXXX and copy of credit report XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: Experian Information Solutions Inc.
State: WA
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:
After separation from my ex-husband, and subsequent divorce, I came to find out that I was still listed on our joint bank account and the balance had fallen into the negative. The negative balance associated with this account was well over {$1000.00}. I was fully unaware of the negative status of this account, and certainly had no idea that it had been charged off. I am still unsure of how it is legal for a bank to allow such an excessive charge to pass through, when there is no money in said account. In the terms of our divorce decree, it is stipulated that any and all debts incurred during the time of our legal separation are the financial responsibility of the party who acquired them. These charges were incurred solely by my ex-husband, and the bank associate even confirmed that it was clear to her, that the only debit card in use was his own personal card. Mine was entirely inactive. Even after calling in and pleading my case with the bank and offering to provide proof in the form of divorce documents, there was no consideration made to removing me from the liability of this debt. This debt affects me in two critical ways : I am unable to obtain any new bank accounts in the future until this debt is fully paid, and secondly, it is strongly impacting my credit score in a negative way. As a now single mother, I simply can not afford to pay for the gross financial irresponsibility of my ex-husband. That being the case, I feel XXXX should reconsider my request to remove my financial liability from this account, and the continuing mark on my credit, and be satisfied in pursuing XXXX XXXX for his debt.

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 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On the day of XX/XX/XXXX, I mailed off a letter to XXXX/XXXX XXXX XXXX. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. XXXX converted the check to a digital check and cashed it, but the late notice was not removed 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 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reached out to Transunion LLC

about two credit cards that does not belong to me. I have filed a complaint with the banks at for these credit cards and they verified that it does not belong to me, which I stated to Transunion. I requested them to investigate. I also requested a credit report during this wait. I investigated this matter with the credit card company where they helped me narrowed down that these info belongs to my brother who lives in the household as me. The bank was able to verify that this instantly. The bank sent this dispute to Transunion. Weeks later. However, the " investigation '' from Transunion came back where the " RESULTS - VERIFIED AS ACCURATE AND UPDATED. '' No information was provided on how this was true. The credit report also came. Information on there shows my name plus **obviously** another name. Did Transunion really do any investigation? There were not just credit card info but numerous other things that does not belong to me.

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 2023-06-22
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Balance : {$3900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

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 2019-08-03
Company: EQUIFAX, INC.
State: PA
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:
I've tried to resolve this situation several times but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I wrote Experian on XX/XX/XXXX about accounts that are reporting incorrectly on my credit report. They failed to respond within in 30 days of my letter or update my accounts correctly.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am formally submitting my complaint to you, as I notice my accounts, I saw the negative accounts which were recorded as late, and with this, I am not truly satisfied. These accounts are inaccurately and erroneously reported. The intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b and according to FCRA Section 605b. I have done an attempt to reach out to Credit Bureaus but they failed to give me any results or feedback about this concern. Correct the following accounts on my credit file right away : XXXX XXXX XXXX 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 2023-01-02
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold to Chase Home Finance on XX/XX/XXXX of XXXX from XXXX XXXX. 
After speaking with XXXX they have informed us that the funds from our XXXX payment were forwarded to Chase on XX/XX/XXXX. We have called numerous times and no one at Chase are able to find our payment or provide any resolution ( ie. ask for proof of payment ) to ensure our funds are properly posted to our account and avoid late fees beginning on XX/XX/XXXX. Our payment was made to XXXX XXXX on XX/XX/XXXX for XXXX. Our account number with Chase is XXXX We have previously filed a complaint with regards to this situation with XXXX XXXX. This is a complaint against Chase for their inability to find our payment when we had no control over if our loan gets sold. 

We have made roughly 10 phone calls between Chase and XXXX XXXX. Our time is extremely valuable and shouldn't be wasted on trying to find a resolution we have had no control over.

Company response to consumer: Closed with explanation