BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: Credit Karma, LLC
State: PA
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: Didn't receive services that were advertised

Complaint:
During the approximate time of XXXX thru XXXX, I received a lot of pre-approval offers on XXXX XXXX. I wasn't going to apply for additional credit but XXXX XXXX kept sending me all types of pre-approvals for credit cards and personal loans and I could refinance my vehicle to receive a lower rate. 
Everyday I would see more offers when I logged on to the site to check my credit scores. After a few months of being informed I was reapproved I thought I was now in good place to apply. I continued to receive so many offer through XXXX XXXX that I spoke with my family to discuss business investments due to receiving so many pre-approval offers from XXXX XXXX. 
In XXXX and the early part of XXXX I applied for a business credit card and personal credit card based on the pre-approval offers I continued to receive from XXXX XXXX. I applied for both a business line of credit for {$10000.00} and a personal line of credit for {$10000.00} and was denied by the banks XXXX XXXX advertised to me. I felt humiliated and deceived by XXXX XXXX. I was marketed to for a very long time by XXXX XXXX telling me I was pre-approved. XXXX XXXX told me I was pre-approved this was found to be a lie. I became stressed out and I was experiencing migraines so bad I started to become withdrawn from my family and friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$530.00}

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 2022-12-01
Company: Experian Information Solutions Inc.
State: MO
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:
Im accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidential under 15 USU 1681 Account name/ number - XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer report agency may make any consumer report containing any of the following items of information any other adverse item information other than records of conviction of crimes which antedate the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On XX/XX/XXXX of this year I seen advertisement on XXXX for a Signature Rewards Chase Visa card. The advertisement says upon approval, the credit card would automatically be placed in my XXXX wallet and I would given a {$50.00} gift card from XXXX. I applied and was immediately approved but XXXX never gave the {$50.00} gift card to me. I called XXXX customer service, only to be told I dont get the gift card until after I get the card in the mail and link it to my account myself. I told the representative that this is not what it says on the XXXX website and that the offer details also says the gift card is issued upon approval, not when the card comes. Rep told me he would call chase and verify that I was approved and then apply gift card balance. After holding for 30 minutes, I was greeted by a chase representative that didnt know anything about my situation and rep was no longer on the phone. So I had and call again. After bringing rep up to speed on my issue, rep just cold transfers me to chase customer service. I placed 4 more calls to XXXX customer service before I just gave up due to getting the same result. Its is now XX/XX/XXXX and the credit card never came. I called chase and they said the card my have gotten lost in the mail, issued me a new card and expedited deliver however no resolution from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31
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:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 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 2022-06-29
Company: Medical-Commercial Audit Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am submitting another complaint against MCA Management previous complaint number XXXX ). 
The alleged debt MCA is ruining my financial reputation for, was never validated by me, the Consumer! Per Federal law, the Consumer is the only one who can validate an alleged debt! Not even a COURT OF LAW CAN DO SUCH. I have disputed several times and yet they continue collection activity. 
I have sent multiple validation letters since XXXX and they have never provided any permissible purpose for this alleged debt. They have not provided documentary evidence of an agreement between their Company and myself indicating that I gave them the express written consent to access my nonpublic personal information, or furnish ANYTHING to my credit without my consent! They don't possess such authority. 
They claim the laws I have cited do not apply to them which is FALSE! They are governed by the FCRA and FDCPA, and these laws do in fact apply to them. 
Additionally, if this transaction is FACTUAL ( which has not been proven ) it STILL should not be on Consumer report! The law says just that! Factual non public personal information SHOULD not be furnished to my Consumer report without my consent. Transactions are considered non public personal information. There is nothing in the FCRA or FCDPA that says they can furnish ANYTHING on my behalf without my permission! I decide what goes on my Consumer report, not them, or any CRA! 15 USC says that my report is to be fair and equittable to me, the Consumer. What they are doing is unlawful and it needs to be addressed properly. They can not provide me with any proof that they are lawfully operating in accordance with the FCRA and FDCPA. 
Additionally, they claim this debt is mine, and was not paid but what probable evidence do they have indicating such? None whatsoever. 
They are using unfair, extortionate means to attempt collecting on alleged debt which against the law and my rights as a Consumer. 
They have broken the law! 
And them hanging up in my face, continually and then blocking my number for exercising my RIGHTS was uncalled for. I put the BURDEN OF PROOF on them and it obviously intimidated then. How is it harrasment to call and demand answers for why they are attempting to ruin my financial reputation. They are a debt collector which means they are governed by the FCRA AND FDCPA, yet they refuse to follow the law. They even told me, they don't have to follow any of the laws I've indicated which is false! 
I have attached the letter and email sent back in XXXX requesting disputing alleged debt as incorrect, and requesting validation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I mailed a check to my landlord on XX/XX/XXXX. Sometime between mailing the check and XX/XX/XXXX, it was stolen. On XX/XX/XXXX, at around XXXX pm PDT, the check was cashed unsigned at a Bank of America ATM. 

I filed a report with XXXX on XXXX, mistakenly as a dispute ( originally Dispute # : XXXX ). It was moved to the XXXX XXXX on XX/XX/XXXX. It is now Dispute : XXXX. I have also filed a police report ( XXXX, filed on XX/XX/XXXX and rejected on XX/XX/XXXX ), but XXXX XXXX XXXX rejected it because it is mail theft. I have also filed a claim with XXXX ( Service Request Number : XXXX ), but that did not go anywhere. 

On XX/XX/XXXX, XXXX faxed a signed affidavit from my landlord to Bank of America regarding the stolen funds. As of today, I am being told that Bank of America is behind on paying out these claims and again reiterating the 90 day window. As this was a check cashed unsigned, I find this abhorrent and am filing this claim against Bank of America in an attempt to get my money back. 

I have attached : - My email thread with my representative at XXXX ( XXXX - XXXX XXXX case # XXXX ) - Signed affidavit from my landlord ( XXXX ) - A record of the unsigned check that was cashed ( Details | Accounts | Bank | XXXX ) - My rejected police report ( Pending Police Report - Stolen Check )

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2023-08-17
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX XXXX Balance : {$340.00}

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 2022-12-01
Company: Chime Financial Inc
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Chime would not remove an unauthorized transaction. The dispute department initially dropped the ball and did not process the dispute in XX/XX/XXXX. It was only after I reached out ( in XXXX ) to the dispute department to receive an update, that I was made aware that the rebuttal wasn't completed. Though I received an email ( XX/XX/XXXX ) from XXXX of the dispute team acknowledging my documentation ( that was asked for ) was received and that the rebuttal would be in process for up to 90 days. I did not receive nor was offered provisional credit or insight. I have spoken with over 6 reps that have processed over several rebuttals and each came back with computer generated denials. The requested information provided by the rep, that actually discovered that a rebuttal was never submitted, provided a decision based on money transferring. This is something that I do frequently after my deposits to pay my recurring bills. The unauthorized transaction from XXXX XXXX is not a merchant I have ever paid to nor aware of whom it is. I was issued another debit card from Chime, yet they kept denying the dispute/rebuttal. I want the {$550.00} refunded back to my account. I demanded a response from the supervisory level to assist in this ordeal. The generic automated denial response is unacceptable. The transaction happen on XX/XX/XXXX {$550.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX  XXXX, has violated my rights. 15 U.S.C 1618 section 602 A. States I have the right to privacy. 15 U.S.C 1618 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { 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 2022-12-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX, XXXX I have never been associated with this name. I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Current Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Employers : XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. 

Employers : XXXX XXXX XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint.

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 2023-08-17
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:
This is my 2nd XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX # XXXX, ILXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/2022

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