BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I show XXXX incorrect credit checks on my XXXX report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and I demand they be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: AL
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 myXXXX endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Medical XXXX Balance : {$77.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 myXXXX endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Medical XXXX Balance : {$77.00}

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 2022-06-06
Company: I.C. System, Inc.
State: LA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

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 2022-08-19
Company: EQUIFAX, INC.
State: MO
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 multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX {$330.00} & {$660.00} I've already tried opening a dispute with chase but they denied it and whenever I attempt to call asking for the evidence they use they don't answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$22000.00}

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 2023-01-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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 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

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 2019-02-16
Company: LoanUnited.com, LLC
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX applied and approved for va refinance XX/XX/XXXX called broker ( XXXX XXXX ) we paid up front {$920.00} for a Va Appraisal and the {$920.00} is included in the loan..he said he would take care of it XX/XX/XXXX notary brought loan documents XXXX to be completed to close on XX/XX/XXXX ... we questioned the ALTA settlement statement as the {$920.00} for the appraisal was included in the charges ... also many pages had blank spaces, which the notary said the loan officer or escrow officer fills in later? Also the settlement statement says due to the buyer $ XXXX..closing disclosure shows to buyer {$3400.00} ... we actually received {$5600.00} ... ..those figures are no where on our loan papers. 
XXXX called and emailed broker questioning the settlement statement ... he responded to the email that he was gone for the day, and he would check out the figures tomorrow XX/XX/XXXX recent email as we had no response XX/XX/XXXX still no response called and left message and again resent the email XX/XX/XXXX sent email asking for our copy of signed loan documents to see how the blanks were filled in XX/XX/XXXX received email response telling us we were definitely getting the {$930.00} appraisal money back..and he was going to refer to his boss to check over the loan papers XX/XX/XXXX received copy of loan docs ... no blanks filled in ... no signatures on it Called and left voicemail XX/XX/XXXX received email with picture of a check for {$920.00} XX/XX/XXXX called for update on his bosses research ... As we felt the {$920.00} was in the loan cost and calculated to add to loan amount ..., we wanted it corrected and loan payment refigured ... .he told me that the hassle of doing that to save a few dollars was not worth it ... we told him {$920.00} was worth it to us.it would lower the total cost of the loan by nearly $ 1000..then he told me he was so done with this and he would have his boss call me XX/XX/XXXX sent and email to broker XXXX XXXX, telling him we had not received a call and did he really forward to his boss He responded with Yes I referred to my boss. The {$920.00} was refunded to you I responded what about correcting the loan items that were included in the total amount financed ( ieloan appraisal ). Your boss never contacted me..may I please have your bosses name, email and number His response This was a cash out loan. The {$920.00} was coming back to you regardless because it was erroneously included in the loan amount making your cash amount {$920.00} less than what it should have been. That is why {$920.00} was refunded. The loan amount was never changed in order to include. The {$920.00}, so that why the loan amount will not be changed. 
Everything is finalized and was done correctly ... .ERRONEOUSLY!!! 
He never did give me his bosses name email or number..dosent erroneously mean incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Credit Corp Solutions Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is not a duplicate complaint, Credit corp is using this as a stall tactic. Credit Corp failed to respond to the issues raised in the previous complaint ( complaint numbers XXXX ) so I made a new complaint with a new letter and invoice attached for the violations under the FDCPA. The new complaint number was XXXX. In the first complaint Credit Corp stated they are sending correspondence to me via mail they did not send anything besides what they called there validation package including an affidavit they wanted me to complete ( there response attached ) they failed to provide the items requested by me. I am a consumer that has the right to say if the debt is alleged and because me stating its an alleged debt which is exercising my federally protected rights, Credit Corp threatened to put the tradeline on my consumer report, which is a definite violation of 15 U.S.C 1692 THE FDCPA. They have not mentioned a solution for there employees violating my federally protected rights. Attached is a letter and a invoice, If credit corp fail to rectify this issue the next steps will be legal matters. Only respond to me via cfpb. The invoice attachment is time sensitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} - Charge-off XXXXXXXX XXXX XXXXXXXX Balance : $ XXXX Charge-off

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 2022-06-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have watched my credit score on Experian for countless months, finally starting to get inaccurate information off my credit report, applying the credit boost, and started reporting accounts I pay every month through the credit boost. This raised my score to XXXX but two days ago, it suddenly said " Unscorable '' and I had no score at all. I sent messages to Experian and they returned a message saying : -- - Thank you for contacting Experian. I see that your credit score is not available at this time. Here are some reasons why a FICO Score might not be available : Experian does not have enough information in your credit report for FICO to calculate a score No activity has been reported to the bureau within the past six months ( not including disputed information ) Your credit report has over XXXX accounts on it A creditor has reported you as deceased You can add self-reported utility payments to your credit report through Experian XXXX which can instantly increase your XXXX Score based on your Experian credit report. 

More information is available : https : //www.experian.com/XXXX If you think there is an error in your credit report, you can file a dispute : https : //www.experian.comXXXX 

-- - and of course, NONE OF THOSE REASONS APPLY AS, I had a score of XXXX two days ago... 

Activity has been reported every month, including two credit cards and the credit boost four accounts on self-reporting, and my Georgia Power Bill . 

I don't have XXXX files on my report. 

AND- I AM MOST CERTAINLY NOT DEAD! 

I even tried to call them and just got a run-around with their recording. I messaged them and got told all of the above. 

ALSO, For the past year, they have placed on my credit report that my address is a retail business and my house is not a business and never has been. Just a secondary problem they have ignored.

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 2022-08-19
Company: Experian Information Solutions Inc.
State: PA
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:
There are Inquiries reporting on to my consumer report, reporting that I inquired about a car from several loan companies. I do not recognize any of the listed inquiries EXCEPT FOR XXXX XXXX. I OPENED A CAR LOAN WITH XXXX XXXX BUT I DO NOT RECOGNIZE ANY OF THE LISTED INQUIRIES : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 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
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX I sent Experian a letter of reinvestigation making the company aware that I never received an initial investigation as Congress states Im entitled to on accounts reporting ( 15 U.S.C 1681a ( e ) investigative consumer report ). Once Experian assumed this vital role and grave responsibility of fairness and maximum accuracy their duties were clear and precise. Only the derogatory accounts below prove otherwise. Untrue, unverified, incorrect, non-compliant with the CRSA enacted CDIA Metro 2 Compliance regulations. the accounts that are being questioned lack proper investigation and accuracy. I do not have any affiliation to XXXX and any personal data that Experian has sold to that company compromised my identity, every time Experian purchases, sells and furnishes my data without lawful investigation. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF 1974 LAW. Instead of Experian removing the errors they updated which further violates my federal consumer rights. I was never late with XXXX and Experian has had 48 days to do a proper investigation. Please update XXXX billing error to paid as agreed never late ( PAANL ) 15 U.S.C 1666 Billing Error ). Delete XXXX account as it is non-compliant and untrue. Experian also had 5 business days to send me a written notice of dispute which I have never received pursuant to 15 U.S.C. 1681i. Delete these erroneous furnishings do to numerous violations and failure of proper procedure compliance. Please help protect me from these deceptive practices and being federally violated.

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 2022-08-19
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. 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, CA, XXXX, XXXX XXXXXXXX XXXX Open Date XXXXXXXX XXXX XXXX Balance : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. 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, CA, XXXX, XXXX XXXXXXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$250.00}

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