BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called Experian today and I had to call 3 times because the first 2 times i was hung up on but the 3 time the man I spoke with said I have to dispute the addresses on my account over the phone even though I mailed a letter on XX/XX/XXXX to get these unauthorized addresses off my account and nobody reach out to me telling me I had to speak with anyone I called to check he said he can't remove the addresses because they are attach to my credit report even though I sent a letter and documents saying it's not, and they won't remove the other names on my account. Plus according to 15 USC 1681 Section 604 A Section 2 in the Fair Credit Reporting Act which they are violating my information is supposed to be accurate and up-to-date.

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 2023-04-18
Company: Affirm Holdings, Inc
State: NV
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: Billing dispute for services

Complaint:
I have tried to reach out with letters and calls to Affirm. I found that were charges on my credit that I have no knowledge of. I have tried to dispute it with them and credit bureaus. Nothing was done. I spoke with Affirm yesterday and today for over a hour. No information was given again. I asked for the lady 's silence number and a number to speak with a manger, she told me she does not have to share the information at all with me. I did even offer to pay the debt that is not mine and please to have it removed from my credit and I was told no they will look into it. Since 2022 I've been having a issue with them looking into it and nothing is getting done. They are reading off a script and do not care about the livelihood of people. To say they can not give a license number or contact information for anyone above is garbage .All they can say is everything is in review and process.There is none else to speak to. It seems just a standard billing call center. They had no details or notes for anytime a letter was sent or call was made. Its almost like a scam place. Please any help would be greatly appreciated. No one deserves this kind of treatment when there life is on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Dear CFPB, I am a Bank of America customer for about 10 years. 

XX/XX/2022 : I have received an email from XXXX stating that they have increased my credit limit ( I have not requested for this increase ). 

XX/XX/2022 : I did a chat with Bank of America representative to check about this. They provided me a case # XXXX and requested me to call XXXX to get more details about it. 

XX/XX/2022 : I reached out to their customer service number, they advised me to wait for a couple of weeks to see my increased limit on my end. 

I have never seen increased limit on my side. I went to my local branch on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Now they try to say that that they don't see that email at their end, though they were able to confirm that XXXX is their authorized sender, but for some reason they are not seeing that email on their end. I am ready to forward that email to them, but they say they do not have any email id where I can forward the email. I feel there is a privacy concern on my account where I got an email from Bank of America and they are not seeing the same communication. I have created couple of complaints regarding this, but there is no satisfactory response from the bank. Complaint Numbers # XXXX, XXXX. 

Thanks and Regards 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 2023-02-08
Company: EQUIFAX, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
In accordance with the far Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681.. 

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

15 U.S.C 1681 section 604 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 take 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 1681-2 ( 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 accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: FL
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:
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. 

1.XXXX  XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX 3. Department of EducationXXXX XXXX 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 explanation
Consumer complaint received 2023-10-10
Company: Bread Financial Holdings, Inc.
State: CA
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:
An XXXX XXXX was reported to my XXXX XXXX on XX/XX/2023. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS Certified Mail : XXXX - Delivered XXXX This Creditor had No Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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 to the Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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've sent multiple letters requesting validation of my credit report. I have yet to receive anything i have asked for. Instead of providing me with the proof of verification which is a violation of FCRA section 609 ( a ) ( 1 ) ( A ), Their required by federal law to verify- through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT of all accounts posted on a credit report. A letter was sent out for me to verify my identity. The correct documentation was sent and I have yet to receive any of my request. My credit report was updated with dispute resolved and completed investigation which is a lie. Method of verification, the original contracts was never sent to me, the account being deleted from my report, account being updated and a copy of my credit report showing these changes being sent 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 2023-04-08
Company: Experian Information Solutions Inc.
State: OR
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 an account with XXXX, which was paid as agreed. I closed my checking due to a fraud issue and had to file a complaint to get the company to allow me to update my bank account so I could pay my payments. This resulted in me being late. I made payments and updated my account which is now current, however, on my credit reports it shows as late with no payments. In addition when I logged in today my account shows as charged off. Im paying the debt and I was never informed my account was closed or charged off.

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 2023-05-23
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately JPMCB CARD Date of inquiry:XXXX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a collection I do not recognize from XXXX  XXXX XXXX in the amount of {$650.00}. At first the company appeared as XXXX. I filed a dispute over 10 months ago without hearing a resolution.

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 2022-10-02
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 act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2022-11-28
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXXXXXX XXXX XXXX XXXX, Account name : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-19
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: Information belongs to someone else

Complaint:
LAST WEEK I WAS MADE AWARE OF XXXX FRAUDULENT, REVOLVING CREDIT CARD ACCOUNTS BEING REPORTED ON MY CREDIT PROFILE : XXXX, EQUIFAX XXXX XXXX. I CALLED THE AGENCIES THEMSELVES MULTIPLE TIMES RE : THIS MATTER AND WAS ADVISED TO APPROACH THE CREDITOR THEMSELVES : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I FOLLOWED SAID INSTRUCTIONS TO THE TUNE OF MULTIPLE CALLS ALSO. BOTH XXXX XXXX XXXX XXXX XXXX XXXX CONFIRMED THAT NEITHER ACCOUNT WAS ASSOCIATED WITH MY NAME OR SSN : THEY ASSURED ME OF THAT MULTIPLE TIMES & SENT OVER DISPUTES FROM THEIR RESPECTIVE OFFICES. I THEN CALLED THE REPORTING AGENCIES TO CONFIRM RECEIPT OF THE DISPUTES AND THE RUN-AROUND HAS BEEN AN ABSOLUTE BURDEN. THE AGENTS ADDRESS ME AS IF THEY'RE THE VICTIM & FURTHER CONTEND THAT I, THE CONSUMER & VICTIM OF THE NONSENSE THEY'RE REPORTING, SHOULD BE THE XXXX CONDUCTING THEIR JOB OF INFO GATHERING & VERIFICATION. THE AGENCIES HAVE A DUTY TO PROVIDE FAIR & EQUITABLE REPRESENTATION AND DUTY TO CARE FOR OUR PERSONAL INFORMATION. TO DATE THAT HAS NOT BEEN DONE. I DESERVE TO HAVE MY INFORMATION REPORTED CORRECTLY. 

FURTHERMORE, THERE ARE ADDRESSES, PHONE NUMBERS, EMPLOYMENT INFORMATION, AND HARD INQUIRIES BEING REPORTED. THERE ARE NUMEROUS ERROS AND I'VE GONE IN CIRCLES TRYING TO SIMPLY GET SOMEONE ON THE LINE THAT DOESN'T HAVE A LANGUAGE BARRIER OR IS JUST MORE INTERESTED IN THEIR TALK TRACKS AND RUSHING ME OFF THE PHONE VS. GETTING THE DISUTE CORRECT FROM THE START. ITS INCOMPETENCY AT BEST OR THEY SIMPLY DON'T CARE. EITHER WAY ITS UNACCEPTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: JPMORGAN CHASE & CO.
State: FL
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:
there are XXXX inquires on my credit profile that i do not recognize, i have contacted transunion 4 times now about it and it still is showing on my profile. these inquiries are JPMCB CARD SERVICES ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never attempted to get these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I tried to apply for credit card I keep getting denied credit due they don't have any information correct identity my personal information why is these companies having my personal information incorrect or reporting me deceased illegally to deny me credit I need a full disclosure report Data back XXXX until XXXX I am not deceased I need to know who reported me deceased to uptain credit or using my name to apply for credit I have to right to know who reported me deceased

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