BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed inquiries on my Transunion credit report. I did not apply for anything in XXXX! Must be FRAUD!! I contacted the below creditors dealership to see if they had cameras and they said it was done online and not in person. They have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. 

I have already filed a complaint and was told to come here. 

Please have these fraudulent unapproved inquiries below removed from my TransUnion credit report as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-05
Company: EQUIFAX, INC.
State: NJ
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX : # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX XXXX  # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX  : # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX XXXX XXXXXXXX, Unable to be verify inaccurately reported information. 

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 reporting agency may make any consumer report containing any of the following items of information ; any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-06-29
Company: JPMORGAN CHASE & CO.
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:
U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
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Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, 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've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet XXXX/Equifax/XXXX  refuses to update me from being listed as XXXX, XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX/Equifax/XXXX    job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX Is Reporting As A Repossession for {$300.00} To The Credit Bureaus When Ive Disputed Multiple Times That It Was Paid Off By XXXX And XXXX took possession of the vehicle XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: CAVALRY INVESTMENTS, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with a representative of XXXX XXXX XXXX, who are working on behalf of Cavalry Portfolio, to settle the account with a payment arrangement. The terms of the agreement were falsely represented, misleading, threatening, and additional funds were added to the account. I reached out to the company with no response, so I disputed the account information on my credit report but with no changes. I don't understand how terms of a settlement are reached on a recorded line but changed afterwards and it's ok to do. I have also emailed the attachment to the law firm in XXXX, and they never responded until I disputed the account via XXXX. This company is awful!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: SC
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 Correct Personal information : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX, SC XXXX - Any other name variant of the name above should be deleted. 

- Any other address listed is not correct and needs to be removed. The above address is my residence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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:
On XX/XX/2022 I went to a XXXX XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app?

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2023-06-29
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase, at XXXX has put several agreements in place that they require account holders to acknowledge they have read and to which they have agreed, prior to obtaining access to account information ( e.g. charges made to my credit card ). XXXX agreement is XXXX pages long. The other agreement is XXXX pages long. Reading and understanding these agreements will take a significant portion of time. The " click to agree '' button definitively says " have read ''. I will not perjure myself in order to review my account. Requiring the reading and acceptance is abusive. I would think that a very, very small percentage of account holders will read the XXXX pages. This creates a customer relationship built on lies. I, of course, have the option to cancel my account, and will ; but, perhaps the CFPB could warn Chase that they have instituted a very poor policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This was already taken off my credit report because amount was inaccurate and they were calling me after XXXX XXXX. I just recently got an alert, saying that my credit score went down XXXX points because of this company.

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 2023-06-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This involves a matter with USAA Federal Savings Bank. My father left financial accounts for me that were substantial, after he died. I only recently found out that an employee at USAA gave away these financial accounts to other people, when they were supposed to deliver them to me. I reported it to USAA and the employee confessed. I asked them to return the funds to me, but I have not received them to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is illegally reporting on my credit report. It goes against Indiana state law and federal " No Surprise Act. '' I do not owe on this fictitious account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/23 a hard inquiry appeared on my Experian credit report in the name of XXXX. I called Experian. They bounced me from agent to agent and then finally told me to call the phone number associated with XXXX  showing on my credit report. I called the number and the system demanded my account number or social security number just to speak with someone. There was no option to report fraud or any option to speak with a human w/o entering my social security number. I finally got through to an agent who simply told me I had no account and that I needed to contact Experian to have the hard inquiry removed. Below is the contact information that appeared on my credit report. 
Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX Phone number ( 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 2023-06-30
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX XXXX, an amount of {$950.00} was charged to the HomeDepot Consumer Credit card with a 0 % promotional period for 18 months until XX/XX/XXXX. 
Over the next months, minimum payments were made with some additional purchases without promotional offer. 
On the XX/XX/XXXX statement, the total balance grew to {$2200.00}, incl. {$1500.00} regular revolving balance and the remaining {$660.00} of the above promotional balance. So far no issues. 

On XX/XX/XXXX I made an online payment of {$1600.00} with the intent to pay off the regular revolving balance completely to avoid being charged monthly interest. However, instead of applying the payment to the balance with the highest interest, Citibank chose to first fully pay off the promotional balance of {$660.00} which still had about 10 months of the no interest promotion left to take advantage of and only the remainder to the regular revolving balance. 

Toward the end of XX/XX/XXXX I called Citibank customer service to correct this and request the desired allocation, i.e. complete pay off of the revolving balance. During the lengthy conversation the agent agreed that it should not have been applied the way it had been and promised a correction with the new and corrected balances, incl. crediting of any overpaid interest, within 1-2 billing cycles. 
By XX/XX/XXXX four billing cycles later - it still had not been corrected and unnecessary interest accumulated on the account. 

XXXX or XXXX. I called Citibank again, explaining the situation and it was promised it would get corrected, again in 1-2 billing cycles. 
It is now XX/XX/XXXX, again 4-5 billing cycles later, and it is still not corrected, continuing to accumulate interested charges that only benefit another seemingly money-hungry bank. 

At this point, I can only assume willful disregard of my rights. Incompetence is an option, and though it would not be surprising, I deem it unlikely. Technical capabilities should not be hurdle either, as direct competitor XXXX has no issue whatsoever with a very similar situation and is even able to confirm the change in writing. 

I believe no statements need to be attached as documentation, as Citibank will have all that information and more readily available for review.

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 2023-03-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a credit monitoring alert at XXXX in the morning from my Chase XXXX banking app, that there had been a NEW hard inquiry placed on my credit report from XXXX XXXX. on XX/XX/2024 I called XXXX ( the bureau that alerted me ) and had a Fraud alert placed on my XXXX account. 

Next I called XXXX XXXX and spoke with their fraud department and was told there was nothing I could do but dispute the hard inquiry with XXXX. 

I was told by the XXXX XXXX fraud agent, that it was probable that my social and other info was being used by someone else to commit fraud, and that there was nothing he could do. 

He mentioned that he could not find any accounts with my social, name or phone number. 

I have indeed disputed the hard inquiry with XXXX and was told it would be removed from my credit file within a few days.

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 2023-06-30
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I accidentally purchased products from a fraudulent company. The company had a website that impersonated the official XXXX XXXX website perfectly and I honestly could not tell the difference. The official XXXX website ends in a .com and this one ended in a .us. I purchased an order for {$29.00}. The company charged me four times, two charges for {$29.00} and two charges for {$0.00}. The company sent me a fraudulent tracking number that was sent out to several other people I know who also ordered from this website. It says my order was delivered on XX/XX/XXXX to XXXX XXXX, Florida. I live in XXXX, Pennsylvania, which is where the order would have been shipped. When I reached out to the company, they told me to have a nice life and it was only then I realized I was dealing with a fraudulent company. I attempted to file a chargeback with my bank, Truist, on the grounds that I was charged twice, and that my order never actually got delivered to my house. The claim was denied so I called my bank to file an appeal, and that was also denied on the grounds that I technically authorized a charge from this company. I feel that I am being wronged as a consumer. 

It is also worth noting that over the last month and a half, the company has changed their website from XXXX to 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 2023-01-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information.

Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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 explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: CA
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:
Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation since XX/XX/2022. Its been XXXX XXXX and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

Thank you, 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 2023-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Was not notified of investigation status or results

Complaint:
I have sent letters in to dispute item from my report, but i haven't received any update from the companies. The letters were sent out late XX/XX/2022. I wish we can speed up this process because I'm being affected by what's on my 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 non-monetary relief