BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 2023-03-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear Chase Bank, To whom it may concern, Fax XXXX XXXXXXXX Referance XXXX XXXXXXXX On XX/XX/22 someone made a purchase from XXXX for a coffee maker in the amount of {$130.00}. On My account, my name is XXXX XXXX. We called the bank to verify that this was fraud. We called XXXX and XXXX told us : XXXX XXXX XXXX XXXX XXXX, XXXX Ny XXXX made this purchase. My wife never made this purchase at XXXX. We Live in XXXX Ny. 
We have filed a Police report with our Local Police Dept. 
We would like our Money of {$130.00} back in our account. This was fraud. Someone is not telling the truth in this matter so we will just go away. This is our hard earned money and we did not spend it. You Chase are our bank are supposed to help us in these matters. Please do a better investigation on this XXXX XXXX, so we can get our money back. Please get us proof that the product was delivered to our home in XXXX. From XXXX XXXXXXXX, XXXX, XXXX, etc, please get this information solid proof from XXXX. Someone has this shipping paperwork. Chase has not given us proof. 

Thank You, Sincerely, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Cascade CISS Holdings, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act
requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 

If you can provide a cons of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. 

If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-25
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 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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Recently on the XXXX of XXXX the account XXXX was removed from my credit file and then reopened without me even applying, that is illegal according to the FRCA.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXX XXXX Credit Card with account # XXXX opened XX/XX/2019 and a balance of {$0.00}. 

This is not my personal account so therefor please remove the account from my credit report asap.

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 2023-07-26
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:
I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the 3 CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2021.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have accounts that are being reported on my credit report that needs to be looked into by the bureaus.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for your immediate assistance to remove the items that result from the alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
l Statement someone use my identity to apply for credit, heres a list of unauthorized inquiries and accounts on my credit report that i wish to be removed : ( inquiry : XXXX  XXXX ), ( inquiry : XXXX XXXX XXXX ), ( inquiry XXXX XXXX XXXX XXXX XXXX ), ( Accont : XXXX XXXX XXXX  ), Account : XXXX ), These above accounts and inquiries has violated my rights. The court FCRA 15 USC 1681 B states that any close account, late payment account, collection account, charge off accounts, must be removed. 15 USC 1681 section 602 Alpha states i have a right to privacy, 15 USC 1681 604 Alpha section 2 states A consumer reporting agency can not furnish a account without my written instructions, or consent. All the above accounts and inquiries is unauthorized and should be disputed from my XXXX  Report and all XXXX Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a concerning issue I recently discovered on my credit report. Upon reviewing my credit history, I noticed several inquiries that I have no knowledge of and have never benefited from, nor have I applied for any of the associated credit accounts. I would like to request your assistance in investigating and resolving this matter promptly. 

The inquiries in question are as follows : 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 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 XXXXXX/XX/XXXX I can assure you that I have not engaged in any of these activities, and these inquiries are unauthorized. This situation is highly distressing to me, as it may impact my creditworthiness and financial standing. I take my credit report seriously and have always maintained a responsible approach to my financial commitments.

I kindly request that you conduct a thorough investigation into these inquiries and provide me with a detailed report of your findings. Additionally, I would appreciate it if you could remove these unauthorized inquiries from my credit report as soon as possible. It is of utmost importance that my credit information remains accurate and reflects only the activities that I have undertaken.

Please keep me informed of the progress of your investigation and any actions taken to rectify this issue. You may contact me via the provided email address or phone number listed above.

I understand the significance of maintaining the integrity of credit reports, and I trust that your esteemed organization will handle this matter with the urgency and attention it deserves. I eagerly await your response and resolution to this matter.

Thank you for your time and understanding. 

Sincerely, 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 2023-09-19
Company: JPMORGAN CHASE & CO.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I deposited a check to my Chase Checking account which was drawn from my XXXX XXXX Checking account. The check cleared XXXX XXXX, and had sufficient funds to pay Chase. Chase placed a hold on the check, through XXXX. Chase had already collected the funds and XXXX XXXX paid the funds via my XXXX XXXX checking account. 

In light of the unnecessary " hold, '' which Chase chose ( arbitrarily to do ), I incurred Overdraft fees. To date, I have incurred two ( 2 ) fees, in the amount of {$34.00} each for a total of {$68.00}. I am asking for assistance in this matter to recover the fees due to the unlawful act of holding the check. I have been with Chase for five years, and XXXX XXXX since XXXX. I am at a loss as to why all of a sudden Chase is now singling me out. Chase has never placed holds on any deposits I have made. This is not the Chase I used to enjoy doing business with, and I must add, that when I had over {$100000.00} in my savings account these types of " situations '' were not happening. Odd, yes. Biased, yes. 
I wish to thank you in advance for your efforts to help me recover my hard earned dollars who have fallen into the hands of yet another greedy billionaire CEO 's hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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: Their investigation did not fix an error on your report

Complaint:
15 U.S.C. 1681s- Responsibility of Furnishers ( B ) Duties of Furnishers of information upon notice of disputes ( D ) if the investigation finds that information is incomplete or inaccurate report those results to all other consumer reports agencies to which the person furnished the information and that compile and maintain files on consumer on nationwide basis So I feel unde FCRA my rights being violated because the account listed below was deleted off XXXX but not all XXXX credit bureaus everybody did a investigation why is it not deleted on all credit bureaus account listed below # XXXX XXXX XXXX XXXX XXXX My family is being stop from moving into a home do to the inaccuracies not reporting accurately acrosss all three credit bureaus 15 U.S.C . 1681

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 2023-07-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
XXXX. I rented a car in XXXX, XXXX in XXXX of 2023 and declined insurance ( cdw ) as instructed by the card to obtain coverage provided by card. Chase Sapphire XXXX XXXX. I accidently brushed by a metal pole and damaged the car, immediately reporting it to card, taking photos, returning car and PAYING OUT OF POCKET FOR DAMAGES more than {$1300.00}. 
XXXX. I have been diligently providing documentation as requested ever since, attempting to obtain reimbursement from the " XXXX Services '' people. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Tel : XXXX opt. XXXX Fax : XXXX E-mail : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: OK
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 student loan from the Department of Education is still open, although I was awarded XXXX and XXXX XXXX. Because I am a percent XXXX Veteran. The account should be closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, 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 Reporting act. The list of accounts below have violated my federally consumer protection rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these accounts have 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 also states a consumer reporting agency can not furnish 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.

please take this letter in consideration these in accuracies is causing a lot of problems in my finance when trying to apply for anything including jobs, please fix this problem asap thanks!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
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 is missing that should be on the report

Complaint:
i certified validation letter to XXXXXXXX XXXX  on the XXXX of XXXX. The letter was not delivered. The post verified on the XXXX of XXXX that the property is vacant and there wasn't a forwarding address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: BCI FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I got a Heloc from XXXX XXXX for {$500000.00} It was a 20 year loan with 5 years interest only. I was still billed at 3.5 fixed every month after the 5 year interest only period. I paid a little extra every month. Every statement said 3.5 fixed. It is now XX/XX/XXXX and they want to bill me {$41000.00} for past due principle and interest. At no time did my monthly statements reflect a rate that was variable to XXXX XXXX Had I ever been notified in the past 3 years that my interest rate was going to increase 5 %, to 8.25. I could have shopped for a new loan at a competitive rate. The bank is now called City National Bank. 
My loan # XXXX Interest through XX/XX/XXXX {$18000.00} One days interest {$99.00} Late charges {$250.00} Past due principle {$20000.00} I just received a second notice demanding {$41000.00} My loan shows a principle balance of {$430000.00} In XXXX of XXXX I was notified of a retroactive increase of interest for over a year in the past. 
For over 7 years every statement I received shows 3.5 %. 
The bank is now demanding 8.25 % and {$41000.00} to cover previous principle and interest. 
As a consumer, had I been billed properly, I could have governed myself accordingly and shopped for a better rate. Every statement shows 3.5. I have every statement. The bank is demanding money they did not bill me for. 
The original note did dictate a variable interest rate, but it never was billed. 
Every statement up until XX/XX/XXXX said 3.5 fixed.

As interest rates increased, had I been notified, I could have refinanced. 
This is the fault of the bank. 
The bank billed at 3.5 % The solution would be to maintain the loan at 3.5 and retract the demand of almost {$42000.00} I followed my statements and paid what I was billed and more every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I chose Chase Sapphire due to its trip protection policy. When I filed a claim on XX/XX/23 for our flight cancellation and subsequent cancellation of the hotel and XXXX prepaid reservations, I was held up with constant requests from the credit card contractor for claims at XXXX. I have had over XXXX correspondences and numerous uploads of documents. Many of these requests for more information were due to the fact that they received encrypted files they could not read and I had to resend them from another source. It is XX/XX/23 and it has been XXXX months and I am just constantly sent to another department.

Company response to consumer: Closed with explanation