BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There have been fraudulent withdrawals from both my checking and savings accounts. I have visited the bank ( Santander ) on multiple occasions but they have frozen my account and refused to refund or give me a temporary credit for the stolen funds. Because my account is frozen I can not gain access to look at all of the transactions and confirm whether or not they are genuine. I have also filed a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is reporting two addresses that belong to me.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  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 2016-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently pulled my credit report from TransUnion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with TransUnion and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from 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 explanation
Consumer complaint received 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is reporting a collection account for XXXX XXXX XXXX in error. This account was paid by XXXX XXXX XXXX XXXX XXXX, and should not have gone to Collections. 
XXXX XXXX NEVER validated this debt with XXXX XXXX, nor did they validate that it was paid by XXXX XXXX XXXX XXXX. I have never received nor authorized anyone from XXXX to validate with XXXX XXXX so I know they never have. 

Per the FCRA XXXX XXXX they have not properly validated the debt, and it should be removed from my Trans Union 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 2017-05-10
Company: Experian Information Solutions Inc.
State: NC
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 normally monitor my credit through   XXXX   XXXX   ,   XXXX   XXXX   XXXX   and now credit wise. I noticed that there was a social security, address, name ( s ) linked to my credit that were not mines. After speaking directly to the credit reporting agencies they removed the social along with the address. However, two of the names remained on my credit. The agency explained that they were unable to remove the name because it was linked to a account and I will need to contact them directly. After contacting one of the companies I brought up my complaint and their response was " the account is to old to do anything and it should come off soon anyways '' but like I explained its showing as a bad report. Plus the card was closed and re-opend under a different name. She stated there was nothing they can do about it! And to this day I still have two different names linked to my credit report under personal information incorrectly! The only thing that changed was my maiden name! In my credit report and apparently linked to my account ( s ) And also I am unable to pull my credit report directly from  XXXX  because its unable to verify my identity. Please I need someone to fix my problem. I already filled a complaint for the credit card agency. But I was this problem resolved on 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 non-monetary relief
Consumer complaint received 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 normally monitor my credit through   XXXX   XXXX  ,  XXXX   XXXX   XXXX  and now   XXXX   XXXX  . I noticed that there was a social security, address, name  ( s )  linked to my credit that were not mines. After speaking directly to the credit reporting agencies they removed the social along with the address. However,  XXXX  of the names remained on my credit. The agency explained that they were unable to remove the name because it was linked to a account and I will need to contact them directly. After contactin g one of t he companies I brought up my complaint and their response was " the account is to old to do anything and it should come off soon anyways '' but like I explained its showing as a bad report. Plus the card was closed and re-opend under a different name. She stated there was nothing they can do about it! And to this day I still have  XXXX  different names linked to my credit report under personal information incorrectly! The only thing that changed was my maiden name! In my credit report and apparently linked to my account (  s ) A nd also I am unable to pull my credit report directly from   XXXX   because its unable to verify my identity. Please I need someone to fix my problem. I already filled a complaint for the credit card agency. But I was this problem resolved on 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 non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MO
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 sent a letter to the Credit reporting Agencies on XX/XX/XXXX with complete attachments of my Personal Information and ID THEFT REPORT to remove the fraudulent information reporting on my Credt File that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$570.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Merchants & Professionals has placed XXXX collections on my credit reports as of XXXX/XXXX/2015 that does not belong to me. I called them today XXXX XXXX, 2015 and informed me that I have no debt with them. This debt is XXXX XXXX, he received these services. I 'm not liable for his medical debt. This is between XXXX XXXX, his insurance, and XXXX XXXX. I did n't sign any paperwork, documents and I did n't receive ANY medical services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent in a police report, Identity Theft Report and proof of my identity, name, address, and Social Security number. Explained which information on my report came from identity theft. And instead of blocking the items, they put them in dispute. When I called in a lady in their fraud department said it is up to the creditors to remove the data, not Transunion which is not true at all!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX reinserted information that had been deleted in XXXX 2015. XXXX agreed to remove account yet Transunion continues to report account. Please delete account number XXXX from my credit report immediately as agreed.

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 2016-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Found a doctor bill on my credit report that that was sent to a collection center that should not be there, it should of been sent to my insurance 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 2016-02-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I signed loan documents with Chase to refinance from a 15 - 30 year and pay off debt. All of the documents related to Loan No : XXXX have been sent via email XXXX/XXXX/2016. I am working with the XXXX person and they are asking for doc 's that were provided to initial loan specialist. About XXXX or XXXX different people at Chase have various pieces of documentation. 
I was blamed by XXXX agent not knowing that my home was held in trust. 
Now I have liens pertaining to " Keep your Home California '' that were missed, and agents that do n't understand the program. 
I am handicapped, and under the care of great doctors @ XXXX. 
Should n't it be easier than this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am an existing customer  of Chase. I have received numerous solicitations to apply for several of Chase 's  co branded credit cards. On  XXXX   XXXX , I applied for a  XXXX   XXXX   XXXX  card via their website. My application was sent to pending status and later denied. Upon calling,  Chase in formed me that I was over the limit for number of cards within a  XXXX  year period. I asked to have the decision reviewed because I was being targeted with numerous offers on an almost weekly basis fo r Chase  products. An executive escalation was started and I received a follow up call on  XXXX  that their decision stood. I expressed my disappointment with their decision an d Chase offe red  XXXX  ultimate rewards points as a courtesy. He explained that marketing offers and approvals would not correlate despite the fact I was an existing customer. I requested to have the hard inquiry on my credit report removed and was denied. I informed that representative I spoke with that I intended to file a complaint with the CFPB and he responded that while that was my right, it could not change circumstances nor would my complaint have any bearing.     I believ e Chase has acted in b ad faith, soliciting applications for a product they knew they were never going to provide me and creating a negative impact to my  credit score. I have never been late on a payment with Chase  or any other creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Two unknown accounts have appeared on my credit report. I dont know how they came or who debts they are but they arent mine. I have sent letters to reinvestigate the problem and have yet to receive any response. these unauthorized/unverified accounts are affecting my insurance rates and I need them gone. On XX/XX/2021 I sent 609 letter to Transunion to show them the unverified accounts and asked them to remove them if cant verify. No actions was taken. So XX/XX/2021 I sent i sent another letter, informing them its been 30 days without a response and by law they have to remove or else I will be contacting the CFPB. Still no actions have been taken. Please help me as these are affecting my insurance rates.

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 2017-05-10
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: Public record information inaccurate

Complaint:
I filed a chapter  XXXX  bankruptcy in   XXXX   I was not advised that this would not be able to be discharged after completion, I got a new job and decided I could pay the bills that were on this bk so I had it dismissed I sent the information to the credit bureaus transunion and  XXXX  refused to remove it, I feel that this should be removed as I was not informed of the discharge status and I dismissed it and paid the creditors.

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 2016-12-11
Company: JPMORGAN CHASE & CO.
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I scheduled an online payment on chase.com in XXXX of XXXX and XXXX XXXX that was not completed due to a flaw with Chase computer system. As a result the monthly mortgage payment was not paid on time. Generating, a negative credit rating. Chase has a record of me logging in for the payment both times. The company is refusing to correct the problem. I was told by supervisor XXXX that my credit would be amended due to rise with online payment errors. I was even instructed not to use the online account and just call in payments as free option. XXXX felt this would provide confirmation for my payment to avoid anymore damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion experienced a computer glitch the early part of this year that deleted my inquiries off of my credit report. Transunion later added the inquiries back on to my credit report without giving me the legally required 5 day written notice prior the inquiries being added back on to my credit report. I called Transunion on  XXXX / XXXX /  XXXX   and spoke with a foreigner and I asked for the inquiries to be deleted, and I was denied. The rep stated that I was not a victim of identity theft, and that the inquiries would remain on my credit report. The rep hung up in my face. These inquiries add a hardship as I 'm constantly denied credit and my rights were violated by TransUnion.

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 2021-12-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello, I would like to share my experience with a Chase Credit Card which I believe is a " Deceptive '' practice defined in XXXX. Chase promotes " Pay off your purchases over time with My Chase Plan '' with emphasis on " no interest '' payment as advertised on their website : " Create, track and calculate plans with no interest, just a fixed monthly fee. ". " My Chase Plan '' is completely misleading for consumers. For example, for a purchase of {$5600.00}, as part of " My Chase Plan '', I was offered 18 monthly installments, {$350.00} each, including a monthly {$40.00} fee. Purchase APR for my card at the time of this offer was 15.99 %. If I apply this interest rate ( 15.99 % ) to {$5600.00} ( the purchase amount ) with 18 monthly installments, it comes to {$350.00} which is almost equal to what My Chase Plan offers. In other words, I am paying the same interest amount but have the impression that I don't pay interest and just pay {$40.00} monthly fee. This is completely misleading and also inaccurate by defining the amount as monthly fee instead of interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Allied International Credit Corp., (US)
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A letter was sent to my home, alleging to be a collection agency for a debt to XXXX. The letter was addressed to my maiden name, which I have not used since before XXXX existed. An internet search of the telephone number listed in the letter revealed that this is most likely a scam and should not be trusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 filing this compliant against    XXXX   XXXX   XXXX     XXXX  and  XXXX  because I have no knowledge of this account information that 's reporting on my credit reports ... I have sent several request for debt validation to   XXXX   XXXX   and disputed with the all  XXXX  credit bureaus still have not been provided with proof that this debt belongs to me,  XXXX  &  XXXX  continue to reported this account as verified, without proof. However  XXXX  has removed this account from 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 2016-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
on XXXX/XXXX/2016 I made an agreement to settle my credit card account with XXXX XXXX bank ending with XXXX in the amount of {$4000.00} and have the account paid in full with XXXX balance. I made the payment on the XXXX/XXXX/2016 and waited to see the update on my trans union credit report. The update was made to my credit report showing a balance of {$5600.00} which is wrong. I am excepting to see acct is settled for less and XXXX balance. I disputed the issue with Trans Union, but it resulted in reporting even the entire original owed balance of {$9600.00}. It caused me a score plunged XXXX points. another dispute was not possible through the credit bureau.

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