BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
There is a business checking account of chase is locked in XX/XX/2021 at that moment when i ask them reason why they said in investigation after once they answer there are no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Please remove bankruptcys from my credit report. They should not be reporting.

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 2022-12-16
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XX/XX/2023 XXXX sent me an investigation response regarding an inaccurate account that they are reporting on my credit report, stating the account was DELETED. XXXX months went by and it was still reporting, so in XX/XX/2023 I sent them a letter stating that it was still reporting and to remove it. It's now XX/XX/2023, and they have not responded nor have they removed it. 
I've included their response showing that they " deleted '' it, the letter I sent them in XXXX and a copy of the credit report showing it's still reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
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: Reporting company used your report improperly

Complaint:
I have called numerous of times and sent in proper documentation and still have the same issue and its has hindered me as I try to get these things removed from my credit report from trans union and experian with XXXX XXXX bank under the fair credit act 15USC 1681A

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 2023-04-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account aXXXX XXXX XXXX  was open using me as an applicant without my consent on XX/XX/2019. This account resulted in having a negative balance which is showing up as a charge off in Chexsystems reporting. The account number was XXXX. 

PLEASE IMMEDIATELY REMOVE ME FROM CHEXSYSTEMS SHOWING A CHARGE OFF. I AM IN GOOD STANDINGS WITH XXXX XXXX. 

I HAVE ATTACHED MY NOTARIZED FRAUD AFFIDAVIT.

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 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I engaged in a consumer transaction in which I used my " Credit Card '' for a finance charge. I am now being charged cash payments in addition to the finance charge which congress states is a violation. My finance charge encompasses the sum of all charges 15 usc 1605. CAPITAL ONE is not reporting false information to consumer reporting agencies to corers cash payments for my consumer transaction which falls under the definition of a finance charge. I will attach congressional definition that support my stance.capital one account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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:
I am a new customer with XXXX XXXX. I was a customer of XXXX XXXX XXXX XXXX for many years but XXXXXXXX XXXX has bought XXXX and my accounts are now managed by XXXX XXXX. On the afternoon of XX/XX/XXXX, XXXX I telephoned the XXXX XXXX customer service department for the first time. I was unsure about a transaction in the online banking portal I had logged into for the first time. After waiting for a time in the XXXXXXXX XXXX automated system, I connected with a " banker '' who identified with the name " XXXX ''. I explained I was a new customer from XXXX and had a questionable charge in my checking account. XXXX asked me for my social security number, I gave it and then the phone call disconnected. 

On XXXX  I received an alert from XXXX XXXX works that two inquiries were made on my credit report. One on XXXX from XXXX of XXXXXXXX Ohio, and another on XXXX from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, California. 

I contacted the XXXX XXXX customer service and discovered an application for credit was made with my name and social security number, but a different address. This was not me, I was told the transaction was flagged and forwarded to the fraud department and the inquiry of my credit report would be removed. I then contacted XXXX and learned that a credit card had been approved and opened with my name, Social Security Number, Address, and Birthdate. I was told the account would be frozen, flagged and sent to the fraud department, and I would need to complete paperwork, and provide documentation for the inquiry to be removed from my credit report. 

I froze all three of my credit reports. I am usually cautious with my personal data and realize my error in disclosing information to XXXXXXXX XXXX, which I strongly believe is what lead to this case of identity theft. I plan to dispute the inquiries into my credit report and discontinue banking with XXXX XXXX as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: PR
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:
My current address on my XXXX  account is wrong, this is hurting my opportunities and I got denied for an application due to my address not being able to confirm my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX I need this to be corrected immediately This are the current addresses on my XXXX report : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX they are all shown wrong I expect this to be handled as soon as possible as my quality of life is being affected by this and I am being denied credit for this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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: Account information incorrect

Complaint:
Good Afternoon, I am reaching out in regards to a student loan that was lended to my brother by XXXX XXXX. I am the co-signer on the account and i was not aware my brother hasn't paid the payments in several months or years. My credit score was consequently affected so I reached out to the collections agency and settled the debt in full and received the settled in full letter which i forwarded to the lender, XXXX XXXX XXXX still hasn't updated my credit report as it's been months. I have sent out numerous emails and letters and they reply saying it's being reviewed but no additional updates. I have disputed the matter with Transunion and Transunion also hasn't been helpful. I have sent both parties required documents and proof and neither is working with me. I am in the process of buying a home but it's on hold because of this account I was a co-signer of. I would appreciate any assistance and stand ready to re-submit any supporting documents. 
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 non-monetary relief
Consumer complaint received 2023-04-06
Company: MARINER FINANCE, LLC
State: IN
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:
4 months before tge covid19 country lock down I had taken a small loan out for emergency repairs, less than {$2000.00} dollars. I had made all my payments on time. Then The lock down was implemented and I had to prioritize my bills and got be & ind on this loan, I wasn't aware of the covid19 protections during this time and next thing I know they charged off the account and turned it over to there collection attorney. This has ultimately hurt my credit. Now after learning about tge protections in place last year. I emailed the original company to offer to pay the loan off from the original balance not the balance now where they are charging me a late fee still. They said no and told me to talk to there attorney, so I disputed on my credit report that the reason behind this charge off was due to natural disaster. After it was investigated I was successful and that remark was added. This helped my score enough to apply for a mortgage so we could move. After applying for one I was denied due to credit score to low so I got on XXXX to look at my report and the natural disaster remark was removed and the charge profit loss was added back. So my score tank XXXX pts plus the balance increased. This is 4 months after I was successful, the company is required to notify me by writing within 5 days I believe and I never received anything. Well I have disputed this same thing now 3 or 4 times being successful every time only to have the company have the natural disaster remark removedand a negative impact remark added. Never once do they notify me. So now I reached out to the loan originator and there attorney for a copy of the documents which the company responded by telling me to contact the lawyer which I had already done. I believe they are charging me a late fee illegally because if they aren't the ones with the loan how can a collection agency increase the balance by charging a late fee. I need agreed to pay anyone other than the company that originated the loan, and I also believe they have violated the fair credit reporting act by having my successful disput removed 4 times never notifying me. And now I can't get a loan so I can't move. Which if I'm correct about the things they've done wrong then I should take a more legal approach. I never disputed the loan itself. Just that I was affected by natural disaster which I was directly affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am making a dispute against TD BANK USA/TARGET CREDI in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XXXX my wife & I went to the local PNC bank branch to close a home equity line of credit. While reviewing the terms of the loan, the stated rate on the disclosures was different than what was disclosed over the phone, but the promotional rate ( half of the current variable rate of was correct ). It was determined that our loan officer misquoted our variable rate by about 1/2 percent ( per recorded phone call ). We left the office for the bank to verify this and retuned 1 couple hours later. We signed the loan documents and left the office. We drew {$4000.00} off of the line of credit and noticed the promotional rate was not awarded. I contacted the bank on or around XXXX and after multiple calls was told that I was not offered the promotion rate and no disclosure for promotion was in our file. I called to complain & was told no recorded phone calls were found and there was nothing they could do about it. I then posted something to social media on XXXX and was contacted immediately by PNC bank. After many back and forth emails, PNC admitted they had a recorded phone call stating the promotional rate was offered to me on XXXX. Their solution was to back date the promotion agreement to XXXX and start the promotional rate from that date. Our line of credit is for {$300000.00} and we were not able to pull the much-needed funds off of the line for over 2 months because of this. This seems unethical & unlawful. Also... All of my phone calls with them were recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Company made an error on their end with sending me my credit card ( which was a WHOLE other situation of a dozen phone calls because the agents kept lying about details ), so they agreed to waive an overnight delivery fee. 

The card wasn't sent overnight, so I called back in to find out what happened, and they " had an error '' again on their end. I stated this was too many errors from a financial institution. They assured me my card would be overnighted and they were waiving the fee. Card received on XX/XX/XXXX, but I noticed after activation I was billed the {$15.00} overnight fee. I called in and spoke with XXXX, Operator ID XXXX, who assured me he spoke with his supervisor, XXXX, and the charge would be off of my account in XXXX hours. XX/XX/XXXX, I check my account, the charge is still there. XX/XX/XXXX, I call Barclay again to dispute this charge, I spoke with XXXX, Operator ID XXXX who was very unhelpful and refused to transfer me to someone who could help me, even though he was able to see that the notes on the account showed this fee was supposed to be waived. Horrible customer service, everyone tells you something different, it's almost as though there are no guidelines in place and people aren't being trained properly.

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 2023-06-01
Company: Experian Information Solutions Inc.
State: MN
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 Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX Balance Owed : {$900.00} ; XXXX XXXX BalanceOwed : {$980.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX Balance Owed : {$6700.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2023-04-06
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a notice from this Collections company and on the notice they stated, " The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency. '' However, this was false and they reported this debt to my credit report. I have attempted to verify this debt as I do not recognize it, however, they have been unresponsive and uncooperative and telling lies on their correspondences. 

Attached PDF may require password to access, it is : XXXX

Company response to consumer: Closed with explanation