BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: JPMORGAN CHASE & CO.
State: LA
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:
Only two days ago I was told I have XXXX for the second time. When I was myself I received an email message that stated Chase was going into my account for the second time this year to withdraw funds for what they refer to as a temporary credit. However, I reached out to Chase in a timely manner and told them I did not want them going into my account and its not authorized for them to do so. At this point the representative on the phone kept saying it was a scam and they dont do this and I explained its happened before. I went on XXXX and even let it be known that when they do this it puts me in an overdrawn status. Currently Im homeless and this institution only cares about their money. I dont owe anything to this financial institution and the {$20.00} they ripped me off with should be placed back into my checking account along with the correction of me having an overdrawn account. I no longer want to have anything to do with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified accounts indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-08
Company: Bread Financial 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.This list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 U S C 1681. 

XXXX XXXX XXXX XXXX  account # XXXX on date XX/XX/2022. Comenity Bank/XXXX XXXX  account XXXX XXXX on date XXXX XXXX has violated my rights. 

15 U S C 1681 Section 604 A section 2 Its states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
I, XXXX XXXX XXXX XXXX verifying that I XXXX XXXX XXXX XXXX XXXX this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX/XXXX/202

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 2023-02-22
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it again after my complaint last XX/XX/XXXX, XXXX the 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof please verify these reporting accounts : XXXX  XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-06
Company: The CMI Group, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Management LP, a collection agency located in XXXX, Texas, put a collection item on my credit report. I do not owe that alleged debt. I called them XX/XX/2023 to request info about who the creditor is and what the debt is about, I provided my phone number and address, the rep said that my address is not the one listed in their files. She was clearly able to locate my file based on my phone number, because she addressed me by my full name without me telling her. I requested more information, the rep said they can not verify the debt is mine, then hung up on me. She is right, I do not owe the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: Global Asset Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My father received a voicemail on XX/XX/XXXX from someone saying that they were looking for me and that it is regarding an order that was submitted to their office and that the voicemail serviced as a notice of legal action and that I needed to call them to provide my home address or my work address and they referenced a reference number and the phone number which to call them. I called because I was wanting to know what it was all about. Spoke to someone and they were really nasty and said that I owed for a phone purchased back in XXXX. I said I was unaware of owing anything to anyone and I have not received anything in the past 7 years. They kept badgering me about whether or not I purchased a phone and I kept saying I dont remember. They then told me that if I dont pay that they would sue me. They never provided me with information of them trying to get in contact with me or anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I started a mortgage with Investor bank in 2015, my monthly payment was around {$2.00}. Now they sold the mortgage to Citizen and they changed my principal rate. My current payment is {$4.00}. According to your new calculation, I will pay off my principal debt in less than 10 years. In other words, they changed unilaterally the terms of my contract. I called and explained that they can't change the principal, it's not a 30 years mortgage anymore. This amount is too high and my husband and I are having a hard time. Please help us. I called the bank multiple times and I sent and official letter. They replied that they are reviewing my case and get back to me in 30-60 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08
Company: Upstart Holdings, Inc.
State: AZ
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:
Hello, I am submitting this request due to a late payment reporting on XX/XX/2022 on my account # XXXX. 
I want you to know that I understand my financial obligations. I have been a long-time customer and making payments on-time is a major priority for me. I made a mistake in falling behind. Unfortunately, during that time in the beginning of 2022 is when everyone was getting XXXX due to the second wave. At the time I was out of work and unable to even get out of bed. Since I already have XXXX, I got sick very badly and almost went to the hospital. As soon as I got back up and working I paid this off immediately and notified your customer service team. 
Also, since then, I have made 100 % payments on time and I'm more than halfway done with paying off the loan. I made this payment as soon as I was able and had hoped my credit score would reflect my changed circumstance but this late payment is continuing to do damage on not only my credit score, but my future goals as well. 
Im planning to apply for a mortgage as now thanks to your company 's help I was able to get my finances in order and I have my own successful business. It has come to my attention that the this late payment on my record will hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX, I have made a check deposit of XXXX into my capital one 360 account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got paid in a check and made a deposit. It says its in my available balance. But capital one says i cant withdraw my funds. Ive been in contact with them with this issue and i also gave them the number of the person who wrote the check and they insist that its not her number. I really need those funds because i am on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was counting on that money just to have a XXXX XXXX XXXX XXXX Please help, i also had my name changed and they cant even help me with that. If this is clear please make the check payable to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
I am XXXX XXXX a living human with all of my rights afforded by the fcra I am writing this complaint against Transunion because on XXXX/XXXX/XXXX  I lodged a complaint against transunion complaint number XXXX transunion acknowledged reciept of the complaint as well as issuing an interim response. The fcra states clearly the laws for the credit reporting agencies to follow to the letter without deviation or self perception they are to be followed as written and the fcra allows 30 day for a credit reporting agency for in vestigation or reinveatigation with in certain circumstances being allowed an additional 15 days no where in the fcra are they given 60 day there fore this rule puts their investigative process past its expiration date and I move to please have the file inqueation from the dispute removed from my credit report as XXXX states earlier the fcra is the bi laws for data furnishers and credit reporting agencies and are to be followed as written and as absolute as can be so please cfpb enforce the deletion of the file attached to complaint number XXXX 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 explanation
Consumer complaint received 2023-07-07
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This loan was already paid and I am asking for proof that it is not. From my understanding it was paid off with a surety bond when the loan was defaulted. I am asking for the contract with my wet signature and if can not be provided I would like this loan to be removed from my consumer reports. I do not owe this company and they are negatively reporting on my consumer report which in turn is causing me to be denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The weight of this ordeal has grown increasingly burdensome as each day passes without resolution. My attempts to seek justice and protection against the heinous crime of identity theft have gone unanswered for an inexcusable length of time. It is deeply disheartening to think that despite my diligent efforts to provide the necessary documentation and follow your bureau 's guidelines, I remain in a state of distress, insecurity, and uncertainty. The toll this has taken on my financial stability and emotional well-being can not be overstated. I demand that you acknowledge and investigate my identity theft claims with the utmost urgency. It is not only my right as a consumer but also a fundamental necessity for restoring my peace of mind and financial stability. The following accounts have been reported on my credit profile : XXXX XXXX and XXXX XXXX XXXXXXXX XXXX Please delete these accounts ASAP.

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 2023-07-09
Company: Southwest Credit Systems, L.P.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Southwestcredit  # XXXX and XXXXXXXX XXXX # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As of XX/XX/2023 this account was paid in full the following month I checked my credit report in XXXX there was no change. Still showing unpaid I reached out to XXXX about this in XXXX and in XXXX asked for a letter stating my account was paid and account to be updated with the credit bureaus. There has been no updated information reflecting a XXXX balance nor the account status of this account being paid in full.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED 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 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