BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
there were so many hard checks on my credit report i had no idea that they were there.not to metion i didnt consen t or aprove any of those checks in my name. 
those were just a few of the negitivle items to impact on my scores.i didnt have enough time to adress all the wrong things and information on my reports i didnt know was there i would like every single hard check removed asap please and thank you. 
id advise every consumer to pay close attention to their credit reports to avoid huge issiues like this one. 
ive attached the pdf file below listing alll the XXXX hard checks. 
i wish i had know about this and alot more problems & solutions alot sooner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: CA
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 credit report is inaccurate 15 U.S.C, 1681 sec 602 a I have the right to privacy 15 U.S.C. sec 604 a sec 2 a consumer reporting agency can not furnish an account without my written instructions.

check all negative accounts that they are 100 % accurate, if not remove them. 
Also I need for each collection items the original purchase agreement and proof that I am the legal owner of these agreements. 
If no proof is provided, remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: NV
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:
For the last few months I have been disputing this account ( XXXX ), Which i noticed the reporting upon checking my Credit. Back in XXXX when i became aware, this account was reporting as a Charge-off and was sold to XXXX XXXX. Also, it was reporting twice on my profile with multiple inconsistence 's. The accounts were also appearing as open after it was charged-off and had different balances reflecting on all three credit bureaus. Every time i sent a dispute, the accounts would come back verified and the " DATE REPORTED '' would come back re-aged as recent which would knock my credit several points and it is also illegal. I pulled my Credit report as of ( XX/XX/22 ) and notice that now XXXX is reporting XXXX different times and show a status of open on some bureaus and closed on another. Its hindering me from establishing Credit so that I can purchase my home. I ask that the Credit bureaus alongside XXXX be held responsible far as making correction to my account.

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 2023-02-14
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
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 explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance 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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loan servicer sent an update XX/XX/2023. Their service center says it takes 45 days to update. But still on my report at the bank. I had to show the bank the debt was gone. But still refused loan. It shows on the soft pull. Transunion holds people in credit servitude because the can.

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 2023-06-06
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:
I sent a letter on XX/XX/2022 to XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 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 informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
This XXXX XXXX dealer service account was paid in full and completed. I submitted proof to the credit bureaus and they still report incorrect and now are adding additional late payments to the account that has been fully satisfied. This is identity theft, and copyright infringement. I will attach the copyright notice.

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 2022-11-30
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am writing today to express my deepest frustration. In XX/XX/2022, we were impacted by check fraud on our Key Bank checking account. A counterfeit check was deposited on XX/XX/2022 in the amount of {$9800.00}. The check image shows a washed check with my husband 's forged signature. None of the handwriting matches either of ours and the payee is no one we know. 

We immediately contacted our bank ( Key Bank ) to let them know the issue. This is when our problems really began. Key Bank stated they would handle the matter and return us our funds in a timely manner. To this day, we are still waiting for our funds to be returned. Key Bank also encouraged us not to close the impacted account even though our account number, names, and address was stolen. Key Bank ensured us that they would monitor the account for further fraud. Unsurprisingly, we experienced further fraud shortly thereafter. We then demanded closure of that account and money moved to a new account. 

It has been months of nearly daily phone calls to Key Bank as we attempt to have our stolen funds returned to us. We have gotten every excuse in the book from Key Bank and have gotten shuffled from person to person and department to department. This has been an incredibly stressful and disheartening process that has been impacting our day to day as the bank is holding our funds. One would think a bank would take better care of its elderly customers. It appears Key Bank has no regard for their loyal and elderly customers despite over 20 years of business. We have wasted hours of our time trying to get our questions answered and funds recovered. Not to mention the hours spent opening a new account and transferring all of our bills to auto pay with that new account. 

We have been told numerous times that someone would be contacting us to resolve the issue. Every time we wait for weeks and never hear back, despite our persistent phone calls and inquiries. My husband and I are healthcare professionals and do not have the time to spend fighting with the bank. This unwanted distraction has severely impacted our quality of life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-01
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: Their investigation did not fix an error on your report

Complaint:
This is in regards to account with XXXX XXXX XXXX XXXX the company has two names the account number is XXXX {$320.00} I have sent countless letters to the company and informed them this item doesnt belong to me. However, the company continues to report the debt. I provided an affidavit and after calling I spoke to a representative I was informed they never received a letter from me. So I've attached the affidavit hoping that we can have some type of 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 explanation
Consumer complaint received 2023-01-03
Company: JPMORGAN CHASE & CO.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I company  XXXX XXXX XXXX received a check in the amount of {$28000.00} from XXXX XXXX XXXX XXXX To buy and build a shop garage. Check was deposited into account XX/XX/XXXX. Check was put in hilt until XX/XX/XXXX. Chase bank then canceled my debit card with {$4000.00} in the account. I called and talk with customer service about releasing the check and my debit card for the reason I have a business to run and bills to pay. The person that was helping me and I was talking with said the card and check should be released and able to use within a day. Debit card never got released and could not use it. Payment was on card said fraud. I decided to wait until the check cleared on XX/XX/22. Check then clears. I wrote check out for payments due ( had enough money to clear those without the XXXX checks. On XX/XX/XXXX I called in to CHASE bank to see what was the problem with my debit card. They said they need to confirm with the owner of the company ( which is a very good friend of mine ). I gave them their names and numbers and they said that the number is not associated with a business. 
Chase bank completely froze my account and put it on hold so I cant see it or spend anything. I called in 4/5 times. No one I spoke to have XXXX any clearance or help with the situation. This is so irritating and frustrating for me. I had employees to pay and bills to pay and I cant do anything. I ask them if they can just put the XXXX on hold and let me cash more checks so I can do my business they said no. I asked them to call the bank from the owners of the check and they said they couldnt. They have my money and wont let me touch it. I have customers that paid for a building and I cant buy it or build it without the money. My customers or extremely mad at me. 
They say I cant do anything they can only call. 
One person said that I could take the owner of the company to a chase branch with two forms of ID and company information. The problem with that is were located in XXXX ID. The nearest branch XXXX XXXX XXXX XXXX more than two hours away. We have no time to be able to make a four hour trip together. 
I fell like the bank is taking advantage of me and not doing their job. 
I am scared and terrified that I will loose all that money in my account and my customers and distributors will not trust me anymore, and non of this is on me. 
Please help me get my money and figure out what is going on! 
Also, I asked them if I could just come get my money and switch banks and they said my money is froze. 
This is not okay! 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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: Reporting company used your report improperly

Complaint:
SO I SENT A LETTER OFF ON XX/XX/2022. HERE IS XXXX  TRACKING NUMBER XXXX. TO REMOVE PERSONAL INFORMATION THAT I DO NOT WANT ON MY CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681. I HAVE THE RIGHT TO PRIVACY. ALSO ACCORDING TO 15 USC 6802 NO FINAICAL INSTITUTION IS NOT SUPPOSE TO SHARE MY INFORMATION TO THIRD PARTY PEOPLE. INCORRECT PERSONAL INFORMATION : NAMES XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, ADDRESSES XXXX XXXX XXXX XXXX, FL XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROCTECTED CONSUMER RIGHTS!!!

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 2020-07-29
Company: SYNCHRONY FINANCIAL
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello I humble myself to make a request for deleted payment. I have been a loyal client and have over 50 credit account most of which were revolving accounts 40 plus of them. I humble myself to ask after making attempts in the past to have the company forgive my one or two maXXXX late payments. Im asking if you could intervene on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: CA
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 XXXX Account # XXXX, has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Sir/Madam, I am writing to file a complaint against TransUnion for a potential violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Specifically, an unauthorized account was reported on my credit report, which I had previously disputed and seen removed. According to the FCRA, I should have been notified in advance if the same account was to be reported again after its removal. However, no such notification was provided.

Most importantly, I wish to emphasize that this account is unauthorized. I have already filed a report with the appropriate authorities regarding this matter. It is deeply concerning that TransUnion may not only be in violation of the FCRA but has also potentially jeopardized my financial reputation by reporting an unauthorized account. 

I kindly request the CFPB to investigate this matter and ensure that such discrepancies are rectified promptly. I trust that the CFPB will take the necessary actions to protect consumers like myself from such negligent reporting. 

Thank you for your attention to this matter.

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 2022-11-30
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am not seeing the proper balance after making a payment unsure of the calculation of the interest and fees

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 2023-02-11
Company: Experian Information Solutions Inc.
State: MA
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 # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
XXXX ID # XXXX WAS IN CHARGE OF THE HELOC PROCESS SINCE XX/XX/XXXX WHICH INCLUDED 4+ HARD INQUIREY CREDIT REPORTS FOR BOTH ME AND MY WIFE SEPERATLEY . THIS PROCESS INCLUDED A MAJOR DROP IN MY WIFES CREDIT SCORE WHICH EVENTUALLY DISQUAILIFED HER FOR THE JOINT LOAN ON THIS ACCOUNT. THIS WHOLE PROCESS WAS UNEXCEPTABLE AND VERY UNPROFESSIONAL. I HAVE BEEN A MEMBER OF NAVY FEDERAL CREDIT UNION SINCE XXXX AND HAD SEVERAL LOANS WITH NO PROBLEM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Capital One Bank has had several request to remove all my debit cards on the account and checking account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
For well over 30 years I have been a client of JP Morgan Chase Bank. I am very frustrated that they have not adequately resolved the problem I have with stolen funds from my account. Two times within a week thieves went into my account and removed more than {$600.00} each time. I was happy that Chase Bank did promptly replace the funds both times, but the second time, Chase went into my checking account and took back the second amount of money sent to me. This was done without notice beforehand. It was clearly evident that those responsible for this crime did this illegally ( each time only {$49.00} was removed, but this was done, something like12 times each time. Until I had no more money in my account. Please, I beg you to look into this matter. My account with Chase Bank is now closed. I fear opening another account, not just with Chase but any bank where characters can easily get into your account and take what they want. It would have been better to have kept my money at home under my pillow. It is not just the money I am missing, but the hurt of not knowing how this is done. Let me inform you of a few details in this matter. Not too long ago. I received a letter from an employee of Chase Bank, named XXXX, XXXX, Branch Complaint Escalation group. Stating that " we'll stop contacting you about your recent concern ". We have not been able to reach you. I do not know if this is true or not. But I received nothing, but this letter and a notice that my claim was denied.. My closed acc # XXXX The case number listed was XXXX Incidentally, the Telephone number of XXXX is XXXX ext XXXX have tried calling her at least XXXX or more times and the only response I get is " out of office ". She would not respond to my voicemail either.

Company response to consumer: Closed with monetary relief