BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that Credit Bureau 's disclose to me all of the documents that they have recorded and retained in their file at the time of a request concerning the accounts that they are reporting in my credit report. I requested copies of the documents that they have in their files that were used to verify them. 

If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they should delete them immediately as required under XXXX XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties they are damaging my reputation and credit worthiness.

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 2016-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My XXXX says that I have XXXX missed payments from my student loans during a time Peorid where I had not even started to pay them off yet because I was still in school. I want to get rid of the missed payment marks on my credit.

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 2021-12-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
EQUIFAX MORTGAGE SERVICES Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : - Remove the unauthorized inquiry - Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this inquiry, and I request that it be removed immediately. 

Please send me written confirmation that I am responsible for this inquiry, and take appropriate steps to remove information about this account from my credit files. 

Fair Credit Reporting Act,15U.S.C.1681s-2 ( a ) ( 1 ) ( B ). 

Enclosures : - FTC Identity Theft Report - Notice to Furnishers of Information Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: ALLY FINANCIAL INC.
State: MN
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:
Repeated fraudulent withdrawal to my account and they are making me wait to dispute them. Did not flag as fraud until it was $ 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 2022-08-17
Company: Experian Information Solutions Inc.
State: WA
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 XX/XX/2022 I filed an Experian credit dispute requesting the Creditor provide documentation validating the reported debt on my credit report. The creditor failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a XXXX and XXXX dispute request on the issue. Creditor failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.

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 2015-06-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed this account with Experian on several occasions as well as filed a complaint being that the account is reported wrong. This account in not included in bankruptcy as it is currently reflecting on my Experian credit file as a negative information. I contacted the company which is XXXX to inquire as to why they are reporting inaccurate information. The company mailed me a letter as to what they are reporting to the credit bureaus. This goes to show that Experian has not correctly investigated my disputes. Attached is a copy of my credit report and a letter from the agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: TX
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:
On Friday ( XX/XX/2021 ), I sent a letter to Equifax asking for their method of verification concerning a XXXX XXXX Bankruptcy that is being reported on my credit report. 

On Tuesday ( XX/XX/2021, according to the date listed on the report I received back from Equifax ), Equifax stated that they verified this entry through XXXX. 

On Tuesday ( XX/XX/2021 ), I sent Equifax a letter, requesting that this item be disputed. I also included a letter from both XXXX ( stating that the bankruptcy was deleted from my file with them due to not being able to verify such entry ) and the US Bankruptcy Court ( stating that they do not furnish such information to any third-party agency ). 

On Sunday ( XX/XX/2021, according to the date listed on the report I received back from Equifax ), Equifax stated, again, that they verified this entry through XXXX and it will remain on my credit report, even though XXXX themselves no longer have it on file. 

On Saturday ( XX/XX/2021 ), I wrote Equifax a final letter, stating that if the bankruptcy ( which they can not verify once again from XXXX ) is not removed, I will file a complaint with the CFPB, as I am doing now..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I pull ; ed my credit report today and I see a bunch of credit inquiries on my credit report that looks fraudulent because I did not make them and I did not authorize anyone to pull my credit report. Please review the following inquiries for identity theft : Someone did all of these on XX/XX/2021 : XXXX XXXX XXXX  - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX - XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XXXX - XX/XX/2021 Equifax XXXX XXXX XXXXXXXX XX/XX/2021 Equifax Soimeone did all of these on XX/XX/2021 : XXXX - XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XXXX  - XX/XX/2021 Equifax XXXX- XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX - XX/XX/2021 Equifax XXXXXXXX XXXX XXXXXXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax Someone did all of these on XX/XX/2021 : XXXX  - XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
dealings with Sebonic financial / Cardinal financial. Very Unprofessional! Made numerous promises that were not fulfilled. Endless frustration and disappointment. 
Look elsewhere, trust me you will be happy you did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a credit card opened in my name that I did n't open. It has been two weeks and they said they were going to send paper work, but they said no paper work they are just going to call my credit companies and have it removed. I purchased a pair of glasses at XXXX and the next day someone opened a credit charge account at the store. It has made a severe Impact on my credit score, beings that my credit score is really good.

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 2015-07-17
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
JP Morgan Chase Bank will not refresh their wire system in order for XXXX XXXX to receive wires. We have tried to contact them, but to no avail. The Routing and Transit number of the credit union is XXXX. For over a year, they XXXX XXXX XXXX XXXX has been able to receive wires directly, but Chase is the only bank not cooperating. They send them to a non-existent XXXX party financial institution. Please Help..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is the complaints of American Express Deceptive Behavior. 

Date : XX/XX/2021 Amounts : Issue regarding the available credit given and allowance of autopay transaction that hasn't happened for months to appear Actions : I called the Rep of the special team service for this issue : I entered into a program that paid a fixed amount of money monthly over a year. On the XXXX, they will debit my account on another bank. At the beginning of the contract, the agreed that the credit that I got was $ XXXX - unpaid amount. they issued a letter and mailed to me about it ... then they changed the terms and conditions without notifying me. They keep changing the credit available and when they mentioned that I got a certain credit available on XXXX after the payment, they didn't honor it. 

The point is, they only charged me on XXXX for an agreed amount but not mentioning that I should paid the credit amount that I have used outside the program payment. 

This morning, I called the Rep, she told me the amount that I used that belonged to XXXX credit line... I asked her why she allowed XXXX to charged me an autopay that they didn't appear for months already, and she said she could let another olive oil amount ( that haven't appeared on the statements for months ) went through. I then told her that then I am not going to pay for those amount. She then said that she could decline the olive oil one but needed to keep the XXXX one. 

She even declined American Express has sent me an email notifying me that XXXX has an autopay. She was manipulating what I should think. 

On XXXX this month, AE is supposed to give me $ XXXX credit line, but with the transaction of just less than {$11.00}, my credit line is XXXX. 

This is not the first time happening that I have exercised enough patience. 

She then keeps telling me that if I pay all the rest of unpaid amount, I can have unlimited credit limit... I think this is very deceptive. I told her if I believe in what their card company on the online statement that I have so many credit line and buy something ... and it turned out got rejected .... this would be so embarrassing!!! Shall I ask for the compensation for this too? 

I paid more last month for {$800.00}... I couldn't understand why this happened. AE staff even coerced me in the chat log. There is a recording for the conversation between the staff and me. 

They can cancel my card and terminate the service but not to do things like this. I think your agency should take proper steps to warn them and they should receive disciplines. 

Thanks so much

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have an agreement in place with XXXX XXXX XXXX ( XXXX ) to payoff my Sam 's Club Discover credit card with monthly electronic fund transfers from my personal checking account. I 've covered all monthly payments, as agreed, starting XX/XX/XXXX. In XX/XX/XXXX, notice the latency, I received a letter from XXXX to " collect a debt '' and discuss payment options that I ignored because we already have an agreement in place with XXXX covered payments. XXXX disclosed the debt to credit bureaus, according to XXXX, to " report payments ''. Due this action, my credit score took a dive of XXXX points. XXXX is unethical because they disclosed false information to the credit bureaus and tried to brainwash me explaining this was actually " helping me ''. XXXX, explain to me why after XXXX payments, with no missing payments, you report the debt to the credit bureaus? After 3 years? How lame.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
in XX/XX/XXXX, i traded cars at parks XXXX of XXXX nc located XXXX XXXX XXXX tried again in XX/XX/XXXX and told them to only run mycredit with XXXX XXXX and no XXXX else.i late checked my credit reports andfound that they had ran my credit a numerous other places and brought myscore down approximately XXXX points.i called them and asked them to removethe unauthorized inquiries and was told they could n't do that and the creditbureaus would not.i would like them to remove ALL of their unauthorizedinquiries

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: JPMORGAN CHASE & CO.
State: FL
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:
I filed a complaint with chase for 2 charges to my account on XX/XX/21 the charges were refunded on XX/XX/21 then charged back again on XX/XX/21. I have tried for a month to fax over m6 paperwork to chase and it never went through. I then spoke to the claims department to get the mailing address and mailed it. I had been calling back to check but they kept telling me it's not completed. Now today I was told that the company XXXX sent in proof of the charges in XXXX. I was never notified or received this information. I have proof that I could not of made these charges because I was flying from XXXX OH to XXXX XXXX fl. I want these charges reversed along with the overdraft fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are two accounts that are PAST the statute which I have brought to Experian several times with no outcome and need help. I even filed a CFPB on XXXX XXXX and they did n't even respond. This has to stop and it is violating my rights XXXXXXXX XXXX XXXX XXXX - PAST THE STATUTE REMOVE Plus Four XXXX - PAST THE STATUTE REMOVE THIS IS A LIE, I NEVER TOOK OUT ROYAL MILES IN 2013 THIS IS OVER 7 YEARS OLD AND YOUR COMPANY IS VIOLATING MY RIGHTS

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 2021-12-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have excellent credit and work hard to maintain my credit rating. Today, XX/XX/2021, I applied for a loan to purchase a house. I was told that a credit check will lower my credit rating with all three credit reporting agencies. I think its ridiculous that the credit reporting agencies prejudge people and lower their scores for an inquiry. An inquiry should have no impact on someones credit report. How is that fair or legal?

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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Someone opened a XXXX XXXX XXXX credit card in my name using my social security number. I contacted the company letting them know it was fraudulently on my credit report. They responded saying that there was nothing that they could do to fix my problem because it was verified as accurate, which is false. I have never opened an account with XXXX XXXX XXXX and never will. I have disputed this with XXXX, XXXX, and TransUnion to no avail.

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 2021-12-28
Company: EQUIFAX, 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:
I have disputed this issue numerous of times with XXXX and Equifax only to be told that they verified the information by computer with the creditor. XXXX stated that the company certified they issued me an installment loan but I have never applied for a loan with this company. I have sent in 3 disputes asking for a copy of an application for credit with my signature as well as a signed contract from the creditor and have never received it. All disputes were sent via certified mail and received by both Equifax and XXXX. This account was previously blocked for identity theft but was placed back on my credit report by Equifax and XXXX without notifying me in writing that it had done so or as to why. XXXX and Equifax have never noted the account being disputed no matter how many times that I have disputed this account. I never receive paper copies of the disputes updates by mail nor can I log into Equifax to check dispute information. XXXX website and app does not allow me to check the dispute results but I am able to log into the website and app to see my credit report. They both also refuse to remove all addresses that don't belong to me. I have attached a copy of my dispute letter and screenshot of credit report from each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015, I received a call about irregular activity taking place with my TD Bank debit card on XXXX XXXX, 2015. I was n't aware that I was missing my debit card until that time, and I confirmed with them which transactions were made. They told me I had to wait until those transactions posted for me to file the dispute, which I then did as each of the XXXX items posted. First item was a {$400.00} transaction at a pharmacy. The XXXX item was a {$220.00} charge at a restaurant in XXXX. The third transaction was at a XXXX for about {$4.00}. The fourth was another XXXX XXXX transaction for about {$3.00}. And the last was a {$16.00} cab ride in XXXX. All happened on the same day, but posted at different times. They immediately closed the card though. On XXXX XXXX, I called to check the status of the dispute, and found that the bank rejected the claim. The reasons for the denied claim were : 1 XXXX The transactions took place within XXXX minutes of an undisputed transaction ; 2 XXXX there were no attempts to use the card after it was closed ; and 3 XXXX my history at one of the terminals. 

Now, I am taking a board review course in XXXX XXXX, NY. 19 minutes within XXXX XXXX could be anywhere in XXXX, XXXX NJ, the XXXX, XXXX, or XXXX. Also, all the transactions were done on the same day, which was the XXXX, though they each posted on different days. Just because the thief did n't attempt to use the card the next day, does n't mean that it was n't fraudulent. Is it inconceivable that this person knew that they only had a limited window of opportunity to use the card? Lastly, just because I used the card at one of the same locations, does n't mean that it could n't be used at that same location. I used it for a {$55.00} transaction a day or two before at XXXX XXXX pharmacy. The fraudulent transaction at the same location was for an amount of {$400.00}. I 'm not sure how or why that could be held against me and validate a rejection of a claim. 

Anyhow, after the first rejection, I filed a police report. Then I resubmitted the fraud claim, and it was denied for the same exact reasons. That is why I 'm contacting the consumer financial protection bureau. Please help.

Company response to consumer: Closed with explanation