BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
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:
Again, I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please BLOCK the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and the Police Report that I have filed on my local police department. 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. This has been my innumerable attempts to notify you that. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My Chime Credit Card had been taken and used and make purchases that I did not make on my credit card, they ere unauthorized transactions I reported it to the Chime member services hen it happen and they are refusing to refund and pay back the money that I didn't use on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX I 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX I checked my credit report and noticed that there were late payments reporting on my credit from my mortgage company, I noticed they were inaccurate because it was during the covid payment deferment, so no payments were due. I sent a dispute to the mortgage company and the credit bureaus, they wrote back and removed SOME of the late payments, but not ALL of the late payments. They admitted they reported in error and admitted to breaking the law, but they still kept some of the inaccuracies on my credit report. Just today, I checked my credit again and they added a NEW 180 day late payment to my credit report which dropped my scores significantly. I'd like to request that the mortgage company remove all of the inaccurate late payments from my credit report and stop trying to ruin my credit over blatantly inaccurate items reporting.I have been enrolled on 2 forbearance from XXXX XXXX XX/XX/XXXX. Once the forbearance plan was over on the 1st one, I was in review for a loan modification with kept my mortgage current. The review was complete and enrolled me into a special forbearance plan from XX/XX/XXXX XXXX. The entire time I was current o. Mortgage. I spoke with Freedom mortgage and they realized that they made a mistake and notated that on my fie. They told me to go through the dispute process to have the items removed

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 2023-01-27
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX I 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 2022-07-03
Company: Experian Information Solutions Inc.
State: MI
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:
The credit bureaus stated they investigated my account and issue correctly but this is not true because experian is still reporting account name XXXX XXXX  account number XXXX i already got this removed from my other two reports but experian insists on keeping it. this is not the first time but my rights have been violated on numerous accounts. all three bureaus do not have all my information correct this is a direct violation of my rights. also to begin with the bureaus took longer than 30 days to complete my investigation.

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 a account without my written instructions. 

The following are all accounts in which i did not give written consent to furnish on my report : XXXX XXXX XXXX  ( DEBT COLLECTION TEAM DIRECT VIOLATION, I NEVER GAVE THEM THE RIGHT TO CONTACT ME OR OBTAIN MY INFORMATION. ) 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 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 2022-09-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-08-29
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 the Credit Reporting Agencies are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider the Credit Bureaus responsible for your tenacious rebelliousness. Under the provisions of teh FCRA, I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX XXXX XX/XX/2020

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 2022-09-22
Company: Credit Karma, LLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I recently had received this on my credit karma app. To apply for a credit card through XXXX  XXXX and says my approval is good. I now have a hard inquiry on my credit score. This happened on XX/XX/2022. I have all the documents to provide for these issues that I have been dealing with. It's misleading and now I have to suffer decrease in my credit score from this being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: NJ
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. 

The following accounts has violated my rights : XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX 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 2023-11-13
Company: ALLY FINANCIAL INC.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have XXXX bank accounts, a checking account with XXXX and a savings account with Ally. The XXXX original balance was XXXX. The Ally original balance was XXXX. 


On XX/XX/XXXX, I wanted to consolidate accounts, so I started a transfer of XXXX from XXXX to Ally. XXXX is now XXXX balance and Ally should be XXXX + XXXX = XXXX. 


On XX/XX/XXXX, I forgot that I already did the transfer, so I accidentally made a second transfer of XXXX from Santander to Ally. XXXX is now XXXX and XXXX because of an overdraft fee. Ally should be XXXX + XXXX = XXXX. 


On XX/XX/XXXX, I realize my mistake and see that XXXX is overdrawn. I submit a transfer of XXXX from Ally back to XXXX to fix the overdraft. XXXX is now back to XXXX balance. Ally should be XXXX, which is the correct balance and the original goal of the first transfer on XX/XX/XXXX. 


XXXX shows the correct XXXX balance ( excluding minimal interest payment ). I don't know what happened on the Ally end, but they suspended some transfers and deleted the incoming transfer that would make my account the appropriate XXXX. Instead, they deleted the incoming transfer and kept the outgoing transfer, and now the Ally account shows XXXX ( original balance prior to incoming XXXX ) and the XXXX is completely lost. 


I contacted Ally bank and they created a case reference number but have no idea where the XXXX went that is still missing from my account. 


XXXX shows the correct bank balance of roughly XXXX. I have email receipts of the requested transfers from Ally, but Ally has " lost '' the XXXX and my Ally bank account does not reflect the accurate bank balance which should be XXXX. I am looking for the lost XXXX to be returned to my Ally account to reflect the appropriate balance XXXX. The correct final balances should be XXXX XXXX balance and Ally XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I noticed on a statement for my Barclay 's Old Navy card that there was a charge that I didn't authorize or make. 

On XX/XX/2022 I called Barclay 's Old Navy to report a fraud charge because upon checking my credit report I found a charge on the credit card I did not make. I filed the report and was assured it would be taken care of in a timely manner. 

I continued to received phone calls and emails for me to pay the amount, so I called the fraud department with Barclay 's Old Navy and spoke to XXXX on XX/XX/2022. She assured me it would be taken care of, the late charges removed and it wouldn't be reported on my credit report. 

On XX/XX/2022 upon checking my credit report, it was indeed on there and took my score down significantly. So, I opened a dispute. 

On XX/XX/2022 I received a response from Barclay 's Old Navy stating they believe their information is being reported correctly and they would note my dispute to the credit union. 

I paid the account in full this week because I can't continue to allow my credit to be destroyed. My career depends on my good credit. So, on XX/XX/2022 I paid {$150.00} on a charge that I did not make in order to keep my credit good because Barley 's Old Navy has incorrect records.

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 2023-01-27
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: Personal information incorrect

Complaint:
I am a natural person, Iam a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be removed because. According to 15 USC 1681 ; I have the rights to privacy and I did not give XXXX written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Be removed under this law

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.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was getting offer from Chase to refinance my townhouse they start the process of refinancing my house and told me I need to put {$500.00} deposit. The agent XXXX XXXX told me if I cancel refinance they will not refund the {$500.00} If Chase decide not to proceed the loan they will refund my {$500.00} XXXXthey canceled my loan and never returned my {$500.00} I tried my best for almost 9 months they did not refund my money. 
I spoke to agent XXXX XXXX told him if they dont fix this problem Im going to complain to consumer department he asked me not to do it he will fix it and he did kept his promise and never return my phone calls

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 Santander Bank in XXXX, NJ closed 2 of my business accounts and my personal account without giving any reason. When inquiring about the issue they just said that they are not required to give a reason for this. 
Coincidentally 1 month prior I had been complaining about some charges that the bank took out of my account monthly for 2 years. They reimbursed some of that money and then 1 month later I happen to get the notice. I have been doing business with this bank for almost 15 yrs without any issue. 
Also my XXXX  account that I do business with stopped working at the same time.

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 2022-08-29
Company: Experian Information Solutions 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 CONTACTED ALL THESE COMPANIES BUT NO RESOLUTION AND EVEN DISPUTED WITH ALL CREDIT BUREAU. STILL REMAIN ON MY CREDIT. I WAS TOLD TO FILED SO I CAN GET HELP. 

XXXX / XXXX XX/XX/XXXX. {$340.00} XXXX XXXX XXXX XX/XX/XXXX. {$1200.00} XXXX XXXX. XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXX XXXX {$610.00} INQUIRIES THAT WAS ALSO AFFECTED ON MY CREDIT REPORT UXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-08
Company: Experian Information Solutions 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:
I have sent certified mail on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX to Experian and XXXX to request a copy of verifiable proof of an original consumer contract with my signature that they have on my credit file for the XXXX XXXX XXXX - XXXX report by Experian. And XXXX XXXX XXXX ( XXXX ) reported by XXXX. This is information has not been provided to me and remains on my credit file/report. Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the agencies are violating my rights. In ordinance, with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. XXXX has confirmed this information was not verified and since has removed from my credit report. I am requesting XXXX and Experian to do the same. 

I have requested my consumer disclosure via certified mail on XX/XX/XXXX from XXXX and Experian and have not been provided this information.

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