BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
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: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX  XXXX  XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$2400.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$1100.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$120.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX VA ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$0.00}

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 2020-08-13
Company: Next Level Finance Partners  LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry from XXXX/NCA on XX/XX/2019. I dont not recognize this lender or giving authorization to perform a hard inquiry.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX. ) Account # XXXX, XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX  XXXX  XXXX  Acccout # 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 2022-05-20
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: Account information incorrect

Complaint:
XXXX XXXX is reporting inaccurate information on my report. Please look into this matter and have this account removed from my credit files

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 2022-05-20
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: Account information incorrect

Complaint:
XXXX XXXX  is reporting inaccurate information on my report. Please look into this matter and have this account removed from my credit files

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 2020-08-13
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry from XXXX  on XX/XX/2019. I dont not recognize this lender or giving authorization to perform a hard 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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP
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:
My XXXX XXXX dropped recently by XXXX points and I do not know why when all payments have been on time. Not understanding why this happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Keep getting unsolicited offers in the mail to open a Wells Fargo checking account, despite registering with XXXX and direct requests with Wells Fargo. 

I contacted them on XX/XX/XXXX via their executive escalation line ( XXXX ) and was promised the offers would stop. 

I received another offer on 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 2016-11-24
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My husband and I recently sold our home for cash. His mother 's trust account, of which he was the trustee, had the same routing numbers but different account numbers. He mistakenly wrote the trust account number for the deposit. He passed away a few weeks later. His mother has been dead for years. XXXX XXXX XXXX XXXX sent the $ $ to Chase Bank on XXXX/XXXX/2016 which was then to be wired to our joint Chase checking account. The funds never came. Realizing the mistake, I corrected the account numbers and faxed to the Title Co. on XXXX/XXXX/16. The Title Co. explained the mistake to Chase and requested a recall of the funds. There has been no response from Chase. There have been multiple inquiries by theTitle Co. and from myself to the Title Co. and Chase Bank requesting $ . A recall was initiated on XXXX/XXXX/16. Bank personnel state they were waiting for a recall from Title Co. and deny any responsibility for delay in returning funds. Chase states an employee telephoned the XXXX Co regarding the recall but upon receiving voice mail, left message but did not follow up on inquiry. After spending 2 1/2 hours at a local Chase branch trying to reach a resolve to this issue including numerous telephone calls no happy results are evident. I became disgruntled and left - still with no solid reason for the delay in receiving funds. What were they doing with them? Drawing interest? Were they lost? Why is a recall of funds so difficult and time consuming? The following day I telephoned the 'consumer friendly ' line. I had received the Chase bank trust statement in the mail showing the $ $ in the trust account. After being transferred a few times to different people, a female employee on Chase investigation team said she saw the $ $ deposited in another account from the trust account. She asked me if I had an account with the XXXX numbers she said she saw. I did not. She was unable to explain how the same amount could be showing on my Chase trust bank statement and still be insisting that the same $ $ were in the account with completely different account numbers. She was reluctant to acknowledge my bank statement and continued to insist that her information was solely correct and could not be doubted. Again, I was disgruntled and still am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: AR
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:
Accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , are inquiries I do not recognize and im sure it wasn't authorized. I ask that these items be fully investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry from NavyFCU on XX/XX/18. I dont not recognize this lender or giving authorization to perform a hard inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: IL
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 filed a dispute on Experian XX/XX/2020. This dispute was against XXXX. I had filed the same dispute with XXXX  and after they investigated they agreed to remove the negative remark from my report. Experian and XXXX have been difficult to work with and both companies have been hard to get a hold of. This account with XXXX has been paid off. I have the title of the vehicle in my possession. This account is also included in the current settlement XXXX is facing. I am a father to XXXX  children looking to buy our first home. These negative remarks that are not relevant or applicable are severely affecting my ability to do so.

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX  XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2400.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$1100.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$120.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX VA ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$0.00}

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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry from NavyFCU on XX/XX/18. I dont not recognize this lender or giving authorization to perform a hard 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 2020-08-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Familys members dont have bank account for the Unemployment Benefit from the New State Department Of Labor,  so they used my bank account. There was no problem until XXXX, XXXX, 2020, i saw all the money was gone and i called in. They told me that they need to hold {$2000.00} for some reason and then, they closed my account. They didnt call me to let me know until i called in and found it out. After 3 days from the date account was closed, i called back in and they said they need to investigate. Then, i called back in after 2 weeks, the money is still not returned back to the New York State of the department of labor for my familys members. I believe that there is illegally action in my  situation and I want to file the claim against the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ID THEFT VICTIM VIOLATES HIPPA, CRA RIGHTS, FILED POLICE REPORT AND SEND ALL DOCUMENTATION OVER TO THE COMPANY XXXX POLICE CASE NUMBER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-18
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My XXXX account is current, I have been paying for a long time every month on time. The only credit agency that does n't have the information accurate is Equifax. I have disputed several times and they state they verified which is not true. Please help. 
Account is US DEPT OF EDU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$1100.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$120.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX VA ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: CITIBANK, N.A.
State: MD
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:
I had booked XXXX XXXX tickets for my family members ( XXXX XXXX to Washington XXXX ) using my Citibank credit card on XX/XX/XXXX. 
The Actual travel was on XX/XX/XXXX, Due to travel restrictions and lockdown in XXXX, I had cancelled my tickets on XX/XX/XXXX. 
As per XXXX customer service updates I should get refund in 90 days from XX/XX/XXXX. Since 90 days was long time for me, called Citibank and opened Dispute transaction and XXXX  responded back to dispute saying, we are working on Refund. Hence we do not accept charge back, so please ask customer to work with us directly to get Refund.

I thought XXXX  is really doing something, so I had withdrawn my dispute and started calling XXXX Customer care. 
I had called Airlines more than 30 times so far and every time they are just asking me to wait for 7 -14 days and pushing as far as they can. 
As of today XX/XX/XXXX, I have no updates from Airlines and refund not processed. 
It's been 5 months now, I don't know how long I have to wait. Citibank is saying they can't help on withdrawn dispute.

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 2022-12-23
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:
I submitted a letter to the 3 Credit Bureaus to update or remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$10.00}, XXXX  XXXX Balance : {$0.00}

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 2016-08-10
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: APR or interest rate

Complaint:
on my credit card statement it has your NEW BALANCE with interest & any new purchases. I paid the whole thing off, {$23000.00} .A few days later I got another statement saying I owed more interest. I called Chase & they told me I owed more? I filed a complaint with the XXXX & XXXX Office. Chase called me & sent my card holders agreement. I read this & no place on it does it have if you pay the New Balance off in full

Company response to consumer: Closed with monetary relief