BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-03
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX, GA  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA,XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX, XX/XX/XXXX, Jpmorgan Chase Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Credit Bureau XXXX XXXX XXXX XXXX Mail Coded : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , NC XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XX/XX/XXXX. 

I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Jpmorgan Chase Bank inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The Credit bureaus stated my account was properly investigated but how is that possible if the account numbers are inaccurate, open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate, last verified is inaccurate, creditor type and creditor remarks in inaccurate. This is grounds for removal they also violated my rights under 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 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from Target company on XX/XX/XXXX at XXXX hours stating I had a Target Credit Card application denied. I call the number on XX/XX/XXXX at XXXX and spoke to an agent. I explained to the agent that I did not apply for an application with their company. We went over some items and the agent said to make a complaint to the Federal Trade Commission ID theft.gov. I tried and was redirected here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-03
Company: AMERICAN HONDA FINANCE CORP
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX, XXXX XXXX, XXXX, American Honda Financial XXXX XXXX XXXX XXXX XXXX XXXX, GA,XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Attn : Credit Bureau Dispute Resolution Unit CBDRU Mail Coded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX, XXXX. 

I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into : XXXX XXXX, XXXX XXXX  American Honda Financial, XXXX XXXX XXXX and XXXX XXXX XXXX inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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 XXXX XXXX Account number # 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.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX  Account # XXXX XXXX, and Reference # XXXX Us BKPT CT 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 an account without my written instructions

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 2022-03-01
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a wire deposit and the sending bank confirmed it went through at XXXXXXXX XXXX  however PNC bank never posted the funds by XXXXXXXX XXXX They never gave me my deposited, wired funds on XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX, 2016, Ally Financial XXXX XXXX XXXX XXXX, MN XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA,XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Attn : Credit Bureau Dispute Resolution Unit XXXX Mail Coded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX, 2016.
I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into : XXXX XXXX, Ally Financial, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  inquiry to determine who requested this credit inquiry.

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 2017-09-03
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
someone else charged the account in full over 600 miles from my location and comenity dba XXXX refuses 12mos later to remove the spurious charges.
I might owe them {$10.00}, tops.
anything over 50 is covered by the consumer fraud statute and cardholder agreeement.
has asked for twice this amount and refuses to hand over the acct to a 3rd party. XXXX XXXX also does this. XXXX XXXX also does this. ( showing a trend ) can not place me at PoS becaus I was in XXXX charges were en-mass in XXXX and wo my permission. THEY WERE NOT AUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2018-05-15
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:
Experian is reporting two ( 2 ) collections on my credit report that has been paid and this is causing my scores to go down. 
The accounts are XXXX XXXX and XXXX XXXX XXXX in the same amounts of {$140.00}. They are not reported on XXXX  and XXXX   because they were removed as payment was made for these accounts.

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 2022-07-18
Company: EQUIFAX, INC.
State: MS
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 XXXX Account # XXXX XXXX, and Reference # XXXX Us BKPT CT 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my XX/XX/XXXX payment on XX/XX/XXXX. When our tax refund was received, I made XX/XX/XXXX payment early on XX/XX/XXXX. Instead of applying it as a payment, Mr.Cooper Mortgage applied it as a principal payment. I have contacted their office 3 times to get this problem rectified, It is now hurting our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I had a credit card -TD  Aeroplan Signature Card , but  I closed it in  XXXX    XXXX   and never used this card since then. I wrote to the credit card company in  XXXX    XXXX   requesting closure of my account and called them also.   I have not received any communication from the credit card, until today-  XXXX   XXXX ,  XXXX  today i received a statement with an annual fee of  XXXX .  XXXX  charged to me.   I have called customer service of my credit card today, but they have refused to credit the annual fee back, despite the fact that I have never received information that an annual fee will be charged to me. i insisted that they close my account ( although i have closed it in  XXXX    XXXX   but they kept it open ) i think that the credit card is engaged in a scam to illegally keep the account open and collect annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX, XXXX disputed a fraudulent charge from XXXX which posted on XX/XX/2022. The charge was also not recognized by XXXX, whose agents had no records of this charge on our accounts. While awaiting for this charge to be resolved, I received another charge from XXXX which was not authorized. XXXX XXXX I called Bank of America ( XXXX ) to file another dispute and inquire as to the status of my previous dispute to find out the previous dispute is, pending review, reported by a supervisor named XXXX. I have been calling and calling and hung up on during previous attempts to resolve the claim and am convinced the protection efforts undertaken are insufficient and the burden to file complaints very high. Neither of these charges are reflected in my payment history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-02
Company: TD BANK US HOLDING COMPANY
State: MA
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 have sent THREE letters now to TD Bank regarding an accout they are reporting on my credit report and they have sent me a letter back saying they can not continue with an investigation because I have have not provided my account number, name, address, and last 4 of social. This is NONSENSE I included all this information clearly in the attached THREE letters. This company has failed to properly preform an investigation as required by FACTA 312. I am demanding that this item be deleted immediately. Please see attached letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
discover card wo n't dissolve new card account. I closed account and received new card and did not authorize it and it is getting used by someone. 'I did not want it used. I ca n't make them understand to not use this account. 
I 'm also having problems with my other c/cards. My fraud people will go and change my passwords or pretend to be me and authorize my changes when I want to place a hold or try to cancel. 
There has to be a better system in place to keep my accounts safe when someone finds your ss #. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
These student loan accounts have been transferred multiple times and is duplicated reporting on my credit profile. I was never late and was on an approved deferment during the time it states account was late. Accounts need to be shown as paid as agreed and never late. In addition, I believe the company purposely swayed me not to repay and declined all forbearances and more than doubled the amount owed making it almost impossible to repay. It appears as though this company used unethical practices when offering repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: EQUIFAX, 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:
XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I can no longer use my paypal account because my account is permanently limited so I can't get my money out because it's still XXXX but I've done everything but I don't know how it can be resolved in this way to help me my paypal account is fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with an account and inquiries I did not authorize

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 2022-07-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I WANT THIS ACCOUNT REMOVED ASAP OFF MY CREDIT REPORT THIS IS FRAUDULENT ACCOUNT AND REPORTING IN ERROR THIS IS CAUSING ME NOT BE ABLE TO GET HOME LOAN

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 2022-07-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal decided to close my account without a valid reason. I submitted all relevant documents that they did ask me to provide but my account still got terminated. It is my belief that my account was not handled with any care during the review of my documents because otherwise I would have my account back. 
Please help follow this up for me as my account closure was not fair at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: CORELOGIC 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:
On XXXX XXXX XXXX, i contacted XXXX XXXX XXXX in XXXX XXXX california. i filled out an online form to gain more information on a vehicle they had for sale, as i had been pre approved for a loan through my local credit union. XXXX XXXX XXXX ran my credit, causing a hard inquiry and causing my credit score to decrease. I immediately contacted them and told them that i had never applied for credit and to please remove the inquiry and they said no,.

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 2019-08-02
Company: Bread Financial 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:
Comenity XXXX & Comenity XXXX XXXX have been reporting this account as closed since 2018. The account was never closed. Purchasing was suspended. I reached out to the company several times and they removed the suspension and I have been using the accounts. However, they still show as closed. I reached out to them again regarding the status and disputed the status with the credit bureaus only to have them still report as closed.

Company response to consumer: Closed with non-monetary relief