BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

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 2017-08-29
Company: EQUIFAX, INC.
State: GA
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 disputed incorrectinformationon my credit file from XXXX XXXX XXXX. this company is reporting an account that I 'm not aware of from XXXX which is claimed to have been openedby my ex wife. It is being reportedon my file as a duplicate account. I disputed with the creditor as well as the credit bureaus but has failed be removed. Because I have n't heard fromXXXX XXXX XXXX and it 's been over XXXX days I disputed with CFPB whom response was that XXXX XXXX XXXX did NOT respond to them as well. Now I have decided to add in the credit bureau to get my file corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone opened a bank account in my name then opened a line of credit of XXXX and also opened a credit card ... I 've done everything the bank said do I 've sent them do you have the police report they sent me an affidavit I filled it out and had it notarized in front of a government official and they still wo n't remove this information this incident happened in XXXX I do n't know what else to do please help me please this happened in XXXX the bank is XXXX XXXX the personal loan department

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Although it has been addressed w/ the major credit bureaus on numerous occasions, American Express ( Amex ) continues to bias my credit report by refusing to add back the payment history it removed in retaliation for the complaints filed in XXXX and XXXX Quarter XXXX regarding disputed APR and add-on fees. 

These complaints include those filed w/ the Consumer Financial Protection Bureau ( CFPB Case # XXXX ), the New York XXXX XXXX XXXX ( XXXX Complaint ID # XXXX ) and XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ( Complaint File # XXXX ). 

The attached XX/XX/XXXX and XX/XX/XXXX XXXX will clearly illustrate Amex 's retaliatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone opened a bank account in my name then opened a line of credit of XXXX and also opened a credit card ... I 've done everything the bank said do I 've sent them do you have the police report they sent me an affidavit I filled it out and had it notarized in front of a government official and they still wo n't remove this information this incident happened in XXXX I do n't know what else to do please help me please this happened in XXXX the bank is XXXX XXXX the personal loan department

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 2022-08-31
Company: EQUIFAX, INC.
State: SC
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 for XXXX  XXXX bankruptcy on XX/XX/2017. XXXX XXXX XXXX, who held my student loans, was notified on XX/XX/XXXX, XXXX XXXX reported my account 60 days late on XXXX of 2017. This was only reported to Equifax and was in error. No updates to accounts sould be sent to credit reporting agencies while in a XXXX  XXXX. No info/data should be reported. 
XXXX has not resolved inaccuracies on my Equifax report. XXXX sent me the letter attached and told me to send to Equifax in yet another dispute. Equifax answered with this : >>> The information you disputed has been updated as well as other information on this item. Account # - XXXX The results are : ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. PLEASE BE ADVISED THAT ACCOUNTS INCLUDED IN BANKRUPTCY DO NOT REPORT ACCOUNT INFORMATION AND ARE CONSIDERED AS CLOSED ; AND WILL REMAIN ON THE CREDIT FILE SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX How XXXX are these people? PLEASE BE ADVISED THAT ACCOUNTS INCLUDED IN BANKRUPTCY DO NOT REPORT ACCOUNT INFORMATION AND ARE CONSIDERED AS CLOSED Really? 


I have also called XXXX and Equifax directly to dispute. I have mailed numerous registered letters via USPS. I have filed complaints with the Department of Education. I have contacted the XXXX XXXX 's US Representatives office here in SC. The 3 credit agencies did not even respond to letters sent from this office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In   XXXX   XXXX   XXXX   filed   XXXX   XXXX   XXXX   Bankruptcy. I continued to make monthly mortgage payments of {$580.00} to   XXXX   XXXX   for my first mortgage. I was not notified by my attorney or   XXXX   XXXX   of an increase in my mortgage payment to  XXXX  as of  XXXX  of  XXXX  and continued to pay {$580.00} monthly. I paid all mortgage payments directly to  XXXX  Bank by electronic transfer from my personal checking account during the bankruptcy. In a certified mail dated  XXXX / XXXX / XXXX , I received legalnotice from   XXXX   XXXX   demanding {$1900.00} alleging that their records showed my account  XXXX  payments overdue. At that time  XXXX  Bank had " unapplied funds '' that I paid that were not credited to my mortgage account. A  XXXX  Bank statement dated  XXXX / XXXX / XXXX  states that I owed {$1300.00} due before  XXXX / XXXX / XXXX . I sent payments of {$700.00} on  XXXX / XXXX / XXXX , {$630.00} on  XXXX / XXXX / XXXX  for a total of {$1300.00}. A letter from  XXXX  dated  XXXX / XXXX / XXXX  states that as of  XXXX / XXXX / XXXX  my new payment amount was {$600.00} and requests an additional payment of {$520.00} by  XXXX / XXXX / XXXX , which was  XXXX  weeks before the date on the letter and  XXXX  weeks before I received the notice. I have also been charged a number of " late fees '' and  XXXX   XXXX  by property inspection '' fees for which the bank has not provided an explanation. I have called the bank several times, without a resolution of this issue. They said they would call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: JPMORGAN CHASE & CO.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I had lost my credit cards quite a few times through Chase back in XXXX and had fraud charges from XXXX all the way to early XXXX. Each time I noticed my card was lost I promptly called Chase to report them lost. They removed all unauthorized transactions from my account and told me they would be investigating the fraudulent charges. Well I just received a call from someone in the fraud department today and was told that they were going to be placing XXXX in fraud charges back into my account within two billing cycles. I was so shocked and heart broken that they would be doing this. They informed me that the signatures matched and that they had evidence that it was me. I informed them that it was impossible as the cards were lost and I was never at the locations that the cards were used and that I demanded to have them show me the evidence they speak of she informed me that there was nothing she could do and cut me off and said sorry. I informed her that the FCRA states that I am not held liable for any unauthorized charges that I did not do she informed me that even if the police give them evidence that shows it was not me she cant guarantee that the charges would be removed from my account WHAT?!?! That does not make any sense to me what so ever. I XXXX  that many other people are having these same issues with Chase in their fraud claims and were treated the same way. They are doing very shady things and are making their customers pay for it. Please help me as I can not afford to pay XXXX in fraud charges that I did not do. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, 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 with the Fair Credit Reporting Act XXXX networks Account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00}, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX 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 2017-04-21
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied and was approved for numerous Comenity Bank and Comenity Capital Bank  Cards. S ome were even pre-approval pop ups when I visited some of the websites. The bank closed ALL of my accounts. No notice or anything. I have not even received a letter stating why the accounts were closed. My credit scores have dropped tremendously since the closures and the inquiries are still there. I even got letters in the mail to call and verify my idenity and after doing so, was immediatly approved for the cards. If they did n't want me as a customer they could have simply denied me credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Account Discovery Systems, LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company was asked twice previously to stop calling me at work. Today they called again and spoke and left messages with a sales manager, the president of the company, hr manager and a payroll person ( on her cellphone )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
2ND NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 EXPERIAN HAS INQUIRES ON MY CREDIT REPORT THAT ARE : MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO  REPORT THESE INQUIRES. I HAVE SUBMITTED A POLICE REPORT SEVERAL TIMES AND EXPERIAN HAS NOT OR REFUSED TO DELETE AND REMOVE THESE INQUIRES FROM MY CREDIT REPORT. I WAS NOT NOTIFIED THESE INQUIRES WAS OR WILL BE REPORTED TO MY CREDIT REPORT. INQUIRES NOT MINE : XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX  Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  XXXX   XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Services, Not Elsewhere XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX  XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 2022-08-31
Company: Experian Information Solutions Inc.
State: AL
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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late 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 2017-08-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XX/XX/XXXX to XXXX XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A 2nd certified letter dated XX/XX/XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XX/XX/XXXX to Experian requesting the same information and nothing has been done by either XXXX XXXX or Experian.

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 2022-08-31
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 three unauthorized transactions were made online using my debit card account. 
Those transactions were made on XXXX XXXX Transaction # 1 - {$120.00} Transaction # 2 - {$63.00} Transaction # 3 - {$25.00} I didnt get any notification from Chase letting me know about these transactions. 
I got just one text message for a transaction # 4 - {$63.00} I declined this transaction, and I called the Chase Customer Service to dispute these charges. 
The opened a Dispute Case to resolve this issue. I cancelled my debit card and Chase sent me a new card. 
Also, I got an email from Chase letting me know that XXXX XXXX was added into my wallet. I declined this action because I dont have XXXX XXXX. 
I informed Chase about this fraud as well. 
On XX/XX/2022, Chase got reversed these money from my account and took {$210.00} I called Chase Dispute Service and I asked why this money was reversed from my account and they said that they couldnt prove these transactions were fraudulent. I explained that I didnt make these transactions. 
They said that I need to prove ithow I can prove something like that? 
I just got ONE text message notification and one email, nothing else.

I went to Chase and talked to the manager. He was very helpful and called Dispute Service Team. He got the same answers, that I need to prove I didnt make these transactions. 
Chase dont want to collaborate with me. They took {$210.00} out of my account, and I didnt make these transactions. 
Also, I called the Compliance number, and I got the same answer. They say I need to fax documents that proves I didnt make those transactions, when I asked what documents they said we dont know. 
I am very frustrated!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-18
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account was paid as agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief