BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
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:
There are currently credit inquiries listed on my report that were not authorized by me : XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, XXXX ( Transunion ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ( all three bureaus ) XXXX XXXX XXXXXX/XX/XXXX ( all three bureaus ) I did not authorize or benefit from these inquiries.

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: Tenaglia & Hunt, PA
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
They wont email like i asked to closed this accont charged off since XXXX XXXX i have called no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: TN
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 did not authorize any credit inquiry from these companies

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 2022-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I had set up a transfer for {$300.00} to buy concert tickets through XXXX. Immediately after sending I attempted to cancel the payment. It says it has been delivered and not completed. I did not receive a message stating the recipient has received the money. I was falsely told they would send the tickets after payment. They scammed me and I have no way of contacting them. I tried disputing with my bank but was told since it was an authorized payment theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

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: Experian Information Solutions Inc.
State: MI
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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter and the tracking # s. 

According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

List of inaccurate Accounts XXXX XXXX XXXX Acct # XXXX XXXX Cred Account : 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 2022-07-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On or about XX/XX/2022, I purchased a XXXX XXXX  in the amount of {$970.00}. The purchase was made using my Chase Amazon credit card and made on Amazon.com. The credit card and Amazon offered an 18 month no interest payment plan. The credit card wrongly took away this promotion after one month even though I was never late and never missed a payment and met all the terms under the 18 month no interest plan. When I called the credit card company to complain, they stated that they applied one of my regular monthly payments towards the purchase price of the item. I never earmarked that payment towards the item and the company refused to reinstate the no interest plan. I believe Chase is enticing consumers into making large purchases with an 18 month no interest plan only to wrongly withhold or take away such promotion after the purchase is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Attempted to use my Comenity Bank card online and at a gas station. I always pay my bill on time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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:
XXXX XXXX Equifax are continuing to verify my accounts & they are inaccurate. A proper investigation is supposed to take place before verifying each item is accurate which I know has not been done because Im supposed to be interviewed as well as my neighbors per the FCRA. A proper investigation needs to be done where theyre not investigating themselves & saying that they verified & its correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Comerica
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
in summary ( beforehand! ) can the bank, where my XXXX check is automatically deposited, force you to install an " app '' in order to view your transactions online? 

since inception of said account i have used their website to log into my account so i could view all transactions. suddenly they changed their manner of logging in. this is where the problems begin. 

they have a redirect to a certain url for certain numbers. this new url is literally not functioning in any way and the directives are very confusing and unclear. several follow-up attempts to contact them only results in recorded messages and when you've heard all they have to " say '' - the call is dropped. 

i liken this denial of viewing each transaction does not enable me to have any confidence of what my balance is at any given time. 

please advise me of what can be done XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I received a prepaid debit card from the Department Of Labor through Key Bank on XX/XX/2022. 
After accessing my account on XX/XX/2022 my account was closed on XX/XX/2022. After numerous recorded conversations with customer service and supervision. Absolutely no answers were given as to why this happened. I contacted the Attorney General 's office and was told also that this shouldn't have happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: 99th Floor LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
XXXX calls my hosue every day trying to extort me for XXXX  dollar for their credit repair and then telling me if i put down XXXX then pay XXXX a month they would work on a case. i told themi do not do business with terrorist and they keep on calling me. they are suckering people in with trade lines and fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/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 2022-07-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX - ( Original Creditor : ) added a derogatory mark on my credit report per Experian, XXXX, and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent money through Zelle on XX/XX/XXXX in the amounts of XXXX and XXXX. They said it would be refunded back to me and it has not. I have already contacted my bank. I have all the correspondence stating they would refund it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My name is XXXX XXXX. I was on my credit report earlier, checking on my student loans, and I came across a credit card JMPCB with {$140.00} balance. It says it was a Chase Credit Card so I called Chase and they dont even have a record. 
I did NOT open a credit card with chase, I only have an open XXXX  XXXX card. 

I am very concerned and need to know who did this and how to get it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: EQUIFAX, INC.
State: MD
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 did not make any of these inquiries XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX  Inquiry date XX/XX/XXXX Business type Department And Variety Stores- non specific XXXX  XXXX XXXX  Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Bank Credit Cards XXXX  Inquiry date XX/XX/XXXX Business type Tenant Screeners ( Reseller ) XXXX  Inquiry date XX/XX/XXXX Business type XXXX XXXX ( Reseller ) XXXX XXXX Inquiry date XX/XX/XXXX Business type Auto Financing Companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: CREDIT ACCEPTANCE CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as a lat 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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 did not make any of these inquiries XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX  Inquiry date XX/XX/XXXX Business type Department And Variety Stores- non specific XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Bank Credit Cards XXXX Inquiry date XX/XX/XXXX Business type Tenant Screeners ( Reseller ) XXXX  Inquiry date XX/XX/XXXX Business type Tenant Screeners ( Reseller ) XXXX XXXX Inquiry date XX/XX/XXXX Business type Auto Financing Companies

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 2023-12-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-08-15
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: Personal information incorrect

Complaint:
There is incorrect personal information I need to have removed from my credit report immediately.

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 2022-07-02
Company: Experian Information Solutions Inc.
State: VA
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:
When I decided to return the product ( a diamond ring from XXXX ) for which I requested the loan with XXXX, the seller ( XXXX ) of the product didn't credit my XXXX account, once they received the product back in their stock. I then opened a " Dispute '' with XXXX, so that they would investigate and provide a resolution. XXXX 's " Dispute Policy '' states that once you file a dispute, you are NO longer to make any monthly payments that come due until they resolve the dispute. At that point, I had already paid 2-3 monthly installments on time towards the loan with XXXX. With the account in good standing I then ceased to make any further payments, until I received their resolution. XXXX 's resolution was found in my favor ; therefore, I was no longer responsible for the installment loan. My account was credited and closed, and they refunded me the payments I had made previously. 

I am currently trying to make a large purchase, so I requested my credit report from all three credit bureaus, Experian, XXXX and XXXX. Experian 's data has the XXXX installment loan listed as " Potentially Negative '' and a 30 days late listed. I tried to ask XXXX to please contact Experian and remove this incorrect data from my credit report. I tried to file a dispute with Experian and upload documentation to prove this data as inaccurate/false, but their website was unable to upload the. PDF. XXXX is not easy to contact nor speak to a live person. They didn't seem to have answers as to why they reported this negative data to Experian in the first place!

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 2022-08-28
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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: Experian Information Solutions 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:
There are currently credit inquiries on my reports that I did not authorize. I have no knowledge of these inquiries. I am a victim of identity theft and my police report and FTC document is on file with all three credit bureaus. 


XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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