BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a chase slate credit card and I have had my account with them since XXXX  it's been I good standing since I've gotten the account my last payment to them was on XXXX XXXX in the amount of XXXX... I got real sick and had to move to my grand daughter 's house after my XXXX XXXX I own my house but I need to get things fixed anyways so my contact info has been updated such as phone number which I got a phone on my granddaughters account and her name is the holder of account it is a XXXX XXXX XXXX  account not a prepaid phone its a phone bill account and is valid I shouldn't be having these problems I also got a new email address due to my phone and email being under XXXX and they are no longer in service... I am no longer staying at my old house so i do not own a house phone anymore and the house phone on the account is no longer active i do not have XXXX due to them no longer being at service... I have done the verification process and have got through about 15 times and everytime I get through I go to a store to use my card and I'm back on fraud ... my new number is on my account but everytime they say I can't get verified through the phone and I can't get the fraud off my account to use the card that I have in my hand and it is myself using it ... my phone number is active on my credit report and everything the only thing is that my granddaughter got me a phone on her account I just want the fraud off my name where I don't have any problems... I have also tried to get another bank account and credit card with multiple banks and credit card companies I do not understand why they all get denied for suspected fraud when I am not doing anything to be under fraud it's very frustrating I just want to be able to get the fraud off of my name and social security where I don't have anymore problems... I call chase fraud operations everyday and get nowhere I'll verify myself answer all and every question and my account will be cleared and I go to use my card and it declines and puts me right back on fraud ive been dealing with this for 3 weeks I'm tired of this and I need somebody to clear this up cause I am getting nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-08-16
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:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 repair these inaccurate items in my file. 
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 2022-07-28
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 filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Nationwide Credit & Collection, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no information on this account. Showed up on only my XXXX report dropping it XXXX points. It looks like it originated from the county hospital XXXX. I have never received services from this company. In fact I have not been to any hospital since 2000.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX  I made a claim through BOA 's claim system, and customer service line RE : an overpayment to Spirit Airlines for baggage. There were 2 amounts of {$45.00} charged to my account. I told the rep that I paid for my baggage online, and then had to pay for my baggage again when I got to the airport- quadruple payment ( there and back ). The payments made at the airport were with other forms of payment. I received a notification from BOA that I needed to submit supporting documentation that payment was made with another form of payment. These receipts were submitted on XX/XX/XXXX  for both requests on claim ID XXXX. BOA confirmed that they received the supporting documentation via their message center, and this was also confirmed with their CS rep. The CS rep informed me that the supporting documentation was received by BOA on XX/XX/XXXX  for both claims. On, or around XX/XX/XXXX I received notification from BOA that they had not received my supporting documentation, and therefore my claim would be closed. Additionally, BOA informed me that the credited {$45.00} would be withdrawn from my account because they did not receive supporting documentation. Subsequently, when I called BOA on or around XX/XX/XXXX, the CS rep informed me that my claim had been closed- a decision had been made on XX/XX/23 because they never received supporting documentation. This is contradictory because I received an automated message that my documentation had been received, and the CS rep also confirmed through a recorded conversation that my supporting documentation had been received for both claims.

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 monetary relief
Consumer complaint received 2023-11-14
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Checking my credit report, I found an account in collection, which does not belong to me, after contacting the customer service of the XXXX XXXX, I reported the pertinent data of the company that was trying to collect said debit, we contacted them, After informing them of my personal information, and letting them know that I am not responsible for it, a representative named XXXX XXXX, who did not want provide his agent number, informed us that the address was not the name, which confirms that it is an obvious error by the collection company, they transferred us to their supervisor name XXXX XXXX agent number XXXX, she explained to us that an investigation was going to be done to verify the authenticity of the account, to which I responded that if it had been checked, the information and the representative XXXX XXXX let me know that I did not have to pay it and that it would be closed in their system, that they were obliged to remove it under the fair credit reporting law by is acronym FCRA I never received a letter with the intention of collecting I hope this inaccurate report is removed from my credit files from XXXX, XXXX, and XXXX, since it is a clear violation of my right

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-11-14
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While I was at the practice, I paid the {$20.00} copay. I guess the hospital who sent the charge to Harris and Harris sent it over the collections in XXXX XXXXXXXX I have not heard anything about this " debt '' until yesterday, XXXX XXXX XXXX I spoke to 3 different employees of Harris and Harris over the phone and they were all rude to me and weren't requesting payment, but they told me I was in collections for {$19.00}. The next person told me it was for {$20.00}. The next person told me it was for {$19.00} and " some change ''. I was told to send over my proof of payment from XX/XX/XXXX to their email, which I promptly did. I have not received any letters, written correspondence, emails, or texts about this debt from Harris and Harris. 

I reached out to the hospital who sent me to collections and they told me they couldn't access the information, as my account was handed over to H & H in XXXX XXXX 

I'm confused as to why this payment reached collections when I have a verified receipt of payment and this matter took 2 years to be brought to my attention. I just want to know that I indeed did pay for the debt they're seeking and I want it off my credit report. {$20.00} is such a low amount to be sent to collections for in general, so I'm confused. Please let me know if you can help me, because the hospital and H & H do not seem willing to help whatsoever and I paid this bill years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 checked my personal credit report, which I acquired from your organization on TransUnion Report XX/XX/XXXX and I noticed that this Inquiries had been made 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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX I started reviewing my credit reports from the following bureaus TransUnion, XXXX, and XXXX. As I began going through my report I notice a good amount of discrepancies on my credit report. As I began to get some of the items corrected and removed from my report, I notice that some inquiries were made that I did not authorized. These unauthorized inquiries are causing my XXXX XXXX to be affected. 

The inquiries that I am referring to are XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX Mortgage. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( 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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I was looking to buy a home, on XX/XX/2023. I went to annualcreditreport.com to look at my credit and discovered that my credit card was damaged badly! According to the 15 U.S.C 1681 law, there should not be any damages on my report which is defamation to my character.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2022-09-21
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 have made several disputes to Equa-Fax about the reporting of my monthly payments to my XXXX Account. I have checked my account on several occasions and see that they have not updated my account to make it current as of XXXX. They have failed to report all my payments. I spoke with XXXX Representative XXXX XXXX XXXX this morning and she stated that they have reported all of my Payments up to XXXX when XXXX has reported it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: WELLS FARGO & COMPANY
State: OH
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 to the Fair credit reporting act. This creditor Well Fargo XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1 of 1 Credit Credit Monitoring Alert Negative Account Change Creditor ALLIANCE COLLECTION AG XXXX XXXX ( XXXX ) XXXX Contact Address XXXX XXXX XXXX  XXXX XXXX XXXX, WI XXXX company never sent me anything at all just states i have debt straight to credit angencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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:
I met online this guy who told me that if I invest money on those XXXX  I will make money very quickly! First I invested {$5.00} 000, I made like {$2000.00}, then he told me if I put more money I will get it like the double so I trusted him and I put {$10000.00} and of course I lost everything the following week. Then no more news from him, actually he is ghosting me. Chase Bank proceeded with these payments which is why I hold them responsible., 10. Choose yes/agree 11. I believe it would only be a fair resolution and one that makes sense. For Chase Bank to refund me the money I lost due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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 have contacted Equifax multiple times in regards to these inquiries that I need removed, I did not authorize these inquiries. There was an identity theft alert put on all 3 of the Bureaus, because of this issue months ago, and Equifax still has not removed them from their report. Because of this, I have been declined for funding I need to start my business. The last letter was dated XX/XX/XXXX, in which Equifax responded with these inquiries are factual and will remain on my file for 2 years. 

Confirmation # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-16
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:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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