BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
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:
Someone stole my identity and they opened up several accounts using my information and I furnished none of these. Please remove them off my credit report. The items are as below : - XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX US Dept of Education ( {$1800.00} ) - US Dept of Education ( {$2200.00} ) - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ) - XXXX XXXX XXXX ( {$1200.00} ) - 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 explanation
Consumer complaint received 2023-10-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposit of {$3500.00} for my blood son Account froze learned on XX/XX/XXXX by trying to withdraw funds Contacted fraud department explained son had no ID due to a revocation on permit Was told I could go into branch and get my available money by teller but had to bring my son with birth certificate and any form of id that showed birthdate such as social school id insurance card XX/XX/XXXX went into branch and learned needed XXXX  id only acceptable form and could not retrieve my money in account until restriction is lifted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX was sent to XXXX please remove the inaccurate information by law up to the creditor to provide proof that the debt does actually belong to you, so if they cant ( or choose not to ), they must remove the negative mark from your credit report. Pay for Delete If the collection is, in fact, yours, consider paying the collector so that it is removed from your report.

btw police report should be enough also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
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 : XXXX The credit reporting agencies are reporting the fraudulent schools studen loan on my credit report as verified, when in essence the school was fraudulent and could not have been verified. The school was sued and closed down in the state of California because of their fraudulent activities. Students from XX/XX/XXXX-XX/XX/XXXX student loans were suppose to have been forgiven. 

Equifax, XXXX  and XXXX will not remove from my credit report. 

They are reporting 2 separate loans by US Dept of Education incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
In XX/XX/2019 I opened both a checking account and a savings account with HSBC, for the purpose of meeting the requirements for the respective signup bonus offers. I met the terms for the 90 days and then maintained the accounts for an additional 90 plus days in order to avoid the early termination fees. In late XXXX or early XXXX I called the bank to close both accounts and was told that it was taken care of. In XXXX I received a collection letter stating that I owed a {$15.00} overdraft charge. Apparently the checking account had not been closed per my instruction ; and since I had transferred all the $ to my other bank, HSBC charged a {$15.00} maintenance fee which of course was overdrawn. I called and was told that this was resolved, yet once again on XX/XX/XXXX I received another letter. I was given further confirmation that this problem, both the account not being closed and the overdraft being removed, has been resolved but I don't trust the bank to not send me another letter come this spring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Please answer each Fact stated in the Affidavit of Truth attached hereto. These and all other attachments/ Exhibits were received by Suntrust XXXX XX/XX/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 2021-05-02
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ok So PayPal Limited My Account For No Reason and I Have {$100.00} Dollars on Hold And its been more than 180 days and I still have not gotten my money withdrawn I need that money for Family Emergencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon discovery after viewing my consumer report I see an alleged account reporting onto my credit report. I am requesting president XXXX XXXX & LVNV Funding LLC to send me verification - ( sworn under oath -28 USC 1746 ) of the name & address of the original creditor pursuant to 15 USC 1692g ( b ). I am also demanding that LVNV Funding LLC cease all forms of communication through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c ). Failure to comply with any provision listed will result in legal action pursuant to 15 USC 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 2019-12-20
Company: Kashia Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I performed a search on the internet for quick money and/or need money fast. I received roughly 20+ calls from these loan sharks. Now I still do not know the name of the original company but I believe this is the company that is now having some " legal '' department call myself, guessing at people I know. Jeopardizing opportunities I may have for employment by calling people that are links on my XXXX  account etc. They continue to call and threaten harass and state they are going to serve me papers and tell every type of person I mentioned above that they are going to serve me papers and list some case number and other Personal information, addresses new and old are given out from the collector to people I do not even know. I know what whomever they may be is doing they are trying to scare me with this serving papers and calling my colleagues some times up to 4 times a day. Some of these people tell me they feel like they are in trouble with the wording this attorney or internal to whomever this original collectors uses. I do not remember receiving any lpan let alone a specific amount. They tell me and all the people they think know me that they are going to send me legal documents and again list some erroneous case number that matches nothing in the California open limited civil cases. I know they do not have such papers at least in my county where they would need to be filed so I know that is a lie. My biggest issue is that these people can ruin my chances of finding employment and secondly at this point cause additional XXXX XXXX  related to overwhelming worry and stress. May be that this inbox loan preys on the desperate. Regardless I have know idea what to do. They are truly acting like the mafia and jeopardizing by ability to gain employment. I am afraid for my life and want the to stop their scare tactics and more than 3 calls a day to myself and others. They switch around the list of who to bother each day. They do not have an idea who they are calling and just call any and all to give out personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 called your department after I purchased a credit report with XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off and that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE THIS FRAUDULENT ITEMS : Inaccurate Names : XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Account : 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 2021-12-14
Company: Edward F Bukaty III
State: LA
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 tried to reach someone to pay the account and I have a mortgage pending. Everyone is unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and there are charge off accounts appearing on my credit report that I have no knowledge about. U have never received anything in the mail from the creditors. I would like to see all the information regarding these accounts like when they were open, addresses cards mailed too, transactions receipts and signed applications from each creditor. XXXX, transunion and XXXX are allowing these creditors to report incorrect information to 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 2022-10-18
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Sir or Madam : I am writing to dispute the following information in my file. The item in dispute also are highlighted on the attached copy of the report I received. 
XXXX XXXX # XXXX is inaccurate because 3 bureaus are reporting 3 different high balances and also on the date of my last activity 3 bureaus are reporting 3 different dates as well ..... I am requesting that the item be deleted off my credit report due to Inaccurate reporting ....

Enclosed are copies of my credit report supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.

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 2019-12-20
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:
I am a victim of identity theft and mailed in my identity theft report to XXXX, XXXX, and Experian and have not gotten any response. I am currently at a standstill trying to get into a new living situation because they have not solved this 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 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My credit report is showing late payments to CAPITAL ONE XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative. And, also I dont know this item, not mine. You're reporting this item erroneously. This is an error and inaccurate information must be deleted from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number 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 2022-10-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I needed to have documents motorized and my local chase bank does not have a notary. Therefore I went to another bank, XXXX XXXX XXXX XXXX. XXXX XXXX charged me {$10.00} to use the notary. I then received a {$5.00} charge from chase bank for the {$10.00} charge from XXXX XXXX. 

I have never used another bank ATM and I was charged even thought I didnt use another bank ATM in this case. I was forced to go to another bank for a service my local bank doesnt offer. Therefore it is not fair that I was charged this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
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 am a victim of identity theft and mailed in my identity theft report to XXXX, Transunion, and XXXX and have not gotten any response. I am currently at a standstill trying to get into a new living situation because they have not solved this 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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted 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 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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Misinformation has been placed. Account information, comments are incorrect, please investigate remove from account immediately. 

Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Type : Credit Account number : XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account Type : Credit Account number : 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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this 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 2020-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion and Equifax both incorrectly reported that my SYNC account had an increase on my balance which it did not and has actually had TWO payments in the month of XXXX and XXXX. This incorrect reporting caused my credit score to go down!

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