BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: NC
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 these Accounts listed below, 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 XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : .The following address is does not belong to me I have never stayed at the addresses listed below please delete them XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXXXXXX XXXXe XXXX XXXX OH XXXX I have attached my ID and utility bill to verify my current address CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX Also upon looking at my credit report I have noticed accounts that are not mines please delete them 1. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
7. The following personal information is incorrect XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
8. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
9. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
10. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
12. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
The above accounts are not me and the are hindering me from obtaining new credit please remove within 30 days thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bank of America notified us of fraudulent activity of a balance transfer trying to go through on our credit card. They stopped this transfer. At the same time we noticed another balance transfer of XXXX. That went though just a few days prior to t XXXX XXXX XXXX XXXX. We appealed this balance transfer twice. BOA said that our names matched the account at XXXX XXXX. I called XXXX XXXX and they had no accounts matching with our DOB, address or SS number. They could not tell me if there was an account with our names on it. World wide credit union. We did not do this balance transfer

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Consumer reporting agencies may not report outdated negative information that is more than seven years old, or XXXX  that are more than XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute to the Transunion Consumer Reporting Agency that the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are too old to be still negatively affecting my credit report and were supposed to have fallen off my credit report by XX/XX/XXXX at the latestyet even after Transunion investigated the dispute XXXX Transunion did not remove the outdated account, which has sustained the potential for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to negatively impacting my credit score beyond the date of XX/XX/XXXX, which has contributed to impeding me from improving my XXXX XXXX to get the best available terms on future loans. 

Furthermore, in XXXX, Transunion is also reporting that a XXXX XXXX XXXX account with a {$0.00} balance which was closed on XX/XX/XXXX and is still in pending litigation was worthy of negatively affecting my credit score, and between XX/XX/XXXX and XX/XX/XXXX, Transunion reporting of XXXX XXXX XXXX cost me XXXX points off my credit score. I have called Transunion and attempted to resolve the matter, and although Transunion is the entity reporting the negative information that already has a XXXX balance and a closed date, Transunion still refused to fix the blatant error, and the Transunion phone representative advised me to reach out to the creditor XXXX XXXX XXXX ; which I already explained to the Transunion phone representative that I had done, and yet the matter still wasn't resolved.

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 2022-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX someone opened an account fraudulent with capital one, with my information. XXXX the account was closed, leaving me with a {$240.00} high balance and several adverse accounts in my credit report. My family and I are unable to live in a nice home as none of the better realty services will allow my poor credit. I currently live in a bad neighborhood as it was the best my credit would allow although my family is well able to afford better housing. I want better for my family but can not move forward until something is done. However capital one alone has a estimated date of removal pegged at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX XXXX file dispute with each credit report agency Experian, XXXX and XXXX. I reached out to them because of inaccurate information that is being reported. I had a account with XXXX consumer which was open on XXXX XXXX I have suffered a lot with that company they increased the payment that I should be paying each month when the account wass open without informing me and then covid came in I lost my income due to an injury the account was not in a charge off state and it closed XX/XX/2021 but I have noticed that the credit agency 's keep reporting it as Charge off even though the account was closed and that is illegal according to the FCRA 623 provisions.

The dispute was completed and the only thing Experian did was update the information after I requested it to be deleted from my report.

If you take a look at the attached information on my credit you will see that information is on my credit but no payment history on XXXX but have a charge off the information is not reported accurately and I need it removed that's utterly ridiculous and it's causing confusion. 

According to the FCRA Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


After the investigation has been completed and the account removed from my credit I would like for each Experian, XXXX and XXXX to send me an updated report of my credit after the investigation has been complete.

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 2022-09-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a dispute for a transaction that occurred on XX/XX/XXXX but was posted on XX/XX/XXXX of {$96.00}, because the company XXXX  wont respond to me nor give me a refund for a subscription that I was scammed into trial and was able to cancel but still was charged. So I disputed it with chase and they put the money temporarily in my account and now today XX/XX/XXXX I get a letter that they declined my dispute and favored the company that I been trying to contact by no one will respond, kind of suspicious how they communicate with chase and cant email me back. But now they are taking the {$96.00} out of my account because I lost the claim. So I submitted an appeal and havent heard nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please DELETE the items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the items listed below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Asset Amount : {$0.00}

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 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Requested that a signed document with my hand written signature to be sent to my mailing address to verify my account however the signed document was never sent

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 2022-07-29
Company: Experian Information Solutions 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:
This is XXXX XXXX, and I appreciate you taking the time to repair and delete some accounts from my credit report ; however, there are still accounts that needed to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are deleted. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2022-09-23
Company: EQUIFAX, INC.
State: KY
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:
XXXX removed XXXX XXXX and XXXX from my file. I have requested several times from XXXX, XXXX and Equifax to remove XXXX XXXX XXXX  XXXX because it was included in the Bankruptcy therefore by law should be removed. 
Not doing so is causing me great hardships and emotional abuse because of the defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX removed XXXX XXXX and XXXX from my file. I have requested several times from XXXX, Transunion and XXXX to remove XXXX  XXXX  XXXX XXXX because it was included in the Bankruptcy therefore by law should be removed. 
Not doing so is causing me great hardships and emotional abuse because of the defamation of 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 2022-07-29
Company: EQUIFAX, INC.
State: PA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-12-03
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I contacted Chase bank when my ex husband of 18 months got involved in a romance scam for nearly {$10000.00} and I realized that I was still a co- signer on the joint account. He was handed my ATM card at mediation and should have taken me off the account. I had an account in my own name into which I get a paid a small SS payment. I contacted the bank beginning XXXX and they stated I could have a signatory card notarized to remove me or XXXX XXXX could write a letter with proof of ID to remove me. I moved to the XXXX after the divorce ( I have dual nationality ) so XXXX XXXX was asked to do this. My XXXX  went to the bank to confirm. XXXX XXXX has failed to take any action and the bank closed my single account with no notice. They tell me to call but no one has a landline to reverse charges internationally and there is a reluctance to converse by secure message and/or email. I am being punished by the bank for my ex XXXX  's stupidity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$1200.00XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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