BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
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:
While looking at my credit reports I have noticed my " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  has a discrepancy in the " Date of Last Activity '' section of the listing. Transunion is reporting a date of XXXX. '' XXXX is reporting " Date of Last Activity '' as XXXX and XXXX is XXXX a date of " XX/XX/XXXX. " XXXX XXXX '' Transunion is reporting * {$13000.00} XXXX * {$0.00} and XXXX XXXX. " PAYMENT STATUS '' Transunion is reporting LATE XXXX DAYS. XXXX is reporting CURRENT and XXXX is reporting LATE 120 DAYS. " LAST PAYMENT '' Transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX " PAST DUE AMOUNT '' Transunion is reporting {$3000.00} XXXX is reporting {$0.00} and XXXX is reporting {$3400.00} XXXX  ( XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX FST XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX LAST PAYMENT Transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX  ( ACCOUNT NUMBER : XXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX LAST PAYMENT Transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX XXXX  ( XXXX XXXX XXXX XXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of 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 2023-01-28
Company: CBC Companies, 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:
See attached document for full complaint. I demand that you do a proper investigation for you willful noncompliance of inaccurate reporting. I have also sent a copy via certified mail with tracking number XXXX. Do not mark this as frivolous. Any information received from you will be collected as evidence for legal action against you. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
n accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX, Account # 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 2023-04-05
Company: JPMORGAN CHASE & CO.
State: NY
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:
JPMORGAN violated 15 USC 1681i by failing to do a reinvestigation and is liable under 15 USC 1681o. A letter was mailed certified mail to XXXX ( XXXX reporting agency ) XX/XX/2023. XXXX opened account disputes XX/XX/2023. Report number XXXX. Jp morgan was suppose to do a reasonable investigation but negative information is still reporting on my consumer profiles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 contacted transunion to remove an unauthorized inquiry off of my credit profile and they refused.

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 2023-11-18
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a customer of Huntington Bank, formerly XXXX. 

On Thursday, XX/XX/XXXX I checked my bank balance because I was going to make some monthly payments. Everything was fine. 

Later in the day I got a call from Huntington Bank. The caller said there was a charge he was checking to see if it was mine. He said it was " XXXX  XXXX ''. I told him it was not mine. He said they would take care of it. I asked how it happened and he said they accessed it through my debit card. I asked him to close off access to my debit card. He said he would cut off the debit card. 

I had a question that I wanted to ask about making my house payment so I called back. I recognized the phone number as the one I always called and received phone calls on. But this XXXX time the call was answered personally by the person who had called me earlier. He told me that I had to transfer the money in my savings account to the checking account in order that all my funds would be protected. I did as directed. 

I thought it was odd that the man answered the phone number I had always made and received calls on. During XXXX of our conversations he asked me if I knew someone named XXXX XXXX. I said I did not. 

On Monday the XXXX I saw more charges but I figured they would be taken care of because of the conversations on Thursday and because they were marked " pending. '' Within a short time some large XXXX purchase appeared on my online account : {$790.00}, {$690.00}, {$630.00}, {$730.00}, {$770.00}, Nobody called from the bank to ask me about these questionable charges. 

I have never ordered anything from XXXX. 

Because I had been talking to someone on the phone number I recognized, I felt safe. However, this circumstance suggests there was/is some internal problem, maybe fraud internally at Huntington. 

I had gone ahead and made some monthly payments but started to receive " not sufficient funds '' notices. I called the bank on XXXX, the XXXX. They said they were " working on it. '' After XXXX phone calls that made me to understand it would be alright, I should not worry and they had their research team working on it, I thought maybe matters would improve. 

It is not alright. I have lost {$4200.00}. I am over XXXX, retired and on a fixed income. 

I have not received any merchandise from " XXXX  XXXX '' or from XXXX. I would suggest a proper investigation would be to find out who got the things I did not order. 

On Friday, the XXXX I called the bank. They said they closed the investigation on the previous Wednesday I believe the bank has failed to freeze my account, possibly - negligently let someone take over their system to commit fraud, failed to do the merest investigation and failed to put the money back into my account. 

Please help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$290.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a formal complaint regarding a potential violation of 15 U.S.C. 1681a ( 2 ) ( i ) under the Fair Credit Reporting Act. I believe that the information provided by XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX  XXXX in a consumer report has not complied with the exclusion outlined in 15 U.S.C. 1681a ( 2 ) ( i ). Which state that Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The consumer report I received from Experian, XXXX and XXXX contained information that was solely related to transactions or experiences between me and the entity making the report, as per the exclusion outlined in 15 U.S.C. 1681a ( 2 ) ( i ) However, I believe that the information provided in the report did not adhere to this exclusion and included elements that extended beyond the scope of transactions or experiences between me and the entity. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that my rights under the Fair Credit Reporting Act are upheld. 

I understand the importance of accuracy and compliance with federal regulations in the handling of consumer information, and I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint.

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 2023-01-28
Company: Experian Information Solutions 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:
To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXXXXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my XXXX credit card bill of {$12000.00} this past summer in a lump sum payment. I was under the impression that the balance was at XXXX. A couple of weeks later I had an XXXX XXXX XXXX and then contracted XXXX. I was recovering and wasnt on my phone. I then finally started using my phone and was shocked when my credit score dropped over 100 points. I investigated and contacted XXXX immediately. They then reassured me that since Ive been a customer and Ive never had any late payment on my credit history they would remove the late payment and nothing would be reported to the credit bureaus. To my surprise this did not happen. They lied and thats the issue here, I was completely misled by the people who work for this company. I am still disputing this case. I have attached a copy of the letter that I sent out to them after speaking to a representative named XXXX. I just want to know why they lied and werent truthful about the process. They removed the ding on my credit score and then put it right back in XXXX? So many months after the incident in XXXX. I want them to provide the chat history and answers that the employee provided because that is the issue, I was misled.

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 2023-12-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my XXXX credit card bill of {$12000.00} this past summer in a lump sum payment. I was under the impression that the balance was at XXXX. A couple of weeks later I had an XXXX XXXX XXXX and then contracted XXXX. I was recovering and wasnt on my phone. I then finally started using my phone and was shocked when my credit score dropped over 100 points. I investigated and contacted XXXX immediately. They then reassured me that since Ive been a customer and Ive never had any late payment on my credit history they would remove the late payment and nothing would be reported to the credit bureaus. To my surprise this did not happen. They lied and thats the issue here, I was completely misled by the people who work for this company. I am still disputing this case. I have attached a copy of the letter that I sent out to them after speaking to a representative named XXXX. I just want to know why they lied and werent truthful about the process. They removed the ding on my credit score and then put it right back in XXXX? So many months after the incident in XXXX. I want them to provide the chat history and answers that the employee provided because that is the issue, I was misled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2022-07-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX this company XXXX Credit Card is being reported with the incorrect balance on my credit report which caused my score to drop over XXXX points. I have a {$15.00} balance on this credit Court and this company is reporting incorrectly that I have a {$55.00} balance. I attached a screenshot of my balance and payment history to this complaint. I want this updated correctly immediately as well as this company fined for their violation. I have not had a balance of {$55.00} with this credit card XXXX Credit Card company since XX/XX/XXXX so its incorrect and inaccurate for this company to report the wrong balance which is a violation of my rights under the FCRA And this is causing harm 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 do not recognize these credit inquires and I have asked them to be removed and the Bureau did not remove them.I am providing an Identity Theft report attached and I am requesting that the inquiries be removed because they are inaccurate and not mine.

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 2023-12-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a savings account and deposited a check into it. The check cleared on XX/XX/XXXX XXXX XXXX Then on XXXXXXXX XXXX I received an email saying my account had been closed with out any further information as to why. I called them after waiting 2 months for my funds to come by check in the mail and all they could tell me was that my account was closed and if recorded a check 7-10 business days from the date it was closed. I called another time to request account information and status of check that I hadn't received and they tell me they can't find any information on my account ever existing. I find this ridiculous and it's put me in a bind financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Late XXXX I found out my former landlord ( XXXX XXXX ) sent a balance to collections to National credit Systems. XXXX did not follow MI law pursuant MCL XXXX and take me to small claims to recover " damages ''. In turn took them to court as well as counter-sued. The court ruled that I did not have to pay XXXX XXXX anything but stated they could not award me damages either. XXXX was supposed to notify the collections agency and didn't. I notified them and sent them the court judgment. They, however failed to remove the collections, which has had a negative impact on my credit since the ruling in XXXX of XXXX. Pursuant 15 U.S. Code 1681i National Credit Systems had 30 days to investigate and let me know their determination, which they did not. Ove called almost 4 times a week to reach the rep in charge of my account and sheer, XXXX XXXX, has failed to return my voicemails and emails and has not called me back. Every time I call she is conveniently on lunch or another short break. The court judgement is attached to this complaint as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX Inquiry Date : XXXX. XXXX, 2022 The evidence of this hard inquiry was requested and in fact that is not my signature or handwriting and I reiterate that this was identity theft and was used without my consent.

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 2022-09-22
Company: Complete Credit Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I worked for a XXXX XXXX  where you can purchase from there site one you earn enough pointsThe same computer that we are supposed to keep track of each resident care plan my log in information was left in the computer where someone got into my account and purchased items that I wasnt even aware until my credit report was pulled upon me getting ready to purchase a home an that being on my credit has been hendering me on my purchase do to that being on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation