BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX announced that they were shutting down and all accounts including checking, savings and credit cards would be deactivated by XXXX and gave instruction on withdrawing money and paying credit card bill. I was told that needed to submit my credit card payment by adding money to my account which I couldnt because I have no card to added money to a closed account. I was told to try ach deposit I tried that as well and the deposit was rejected due to account was closed then I was told to try a wire transfer and that was rejected due to account is closed I have been trying to pay XXXX dollars for months with no luck from the company and every month they are reporting a 30 day late payment for XXXX dollars even tho they have not provided an adequate way to pay the bill. This inaccurate reporting has hurt me profile significantly

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 2023-03-18
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$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

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 2018-11-21
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/2018 I fell behind in my credit card payment due to unforeseen financial issues. I received repeated calls from the company. I spoke with them and advised I would be bringing current in XXXX The representative I first spoke with was extremely aggressive and insisted I set the payment up with her right then, because she was looking at my checking account information. I advised I didn't want to set up right then but would call back. She informed me that because I wouldn't set the payment up with over the phone using the checking account information she could see they would continue to call me. I told her I was promising to pay and would call back to make the payment. she was very aggressive and rude about insisting I make the payment right then. I asked to speak to her supervisor. his name was XXXX. He told me the same thing. I asked to have calls stop unless I didn't make the payment. he told me that if I put a cease and desist on the file they would close it right then. I asked that at a minimum they put a cease on my work number but could continue to call me since that was their procedure. he informed me he would update my work phone as no calls. However I continued to receive calls at work. I ignored the additional calls until it was closer to the time that I was ready to make the payment. As the date approached in XXXX, I answered the phone and spoke with another representative and provided her with the date and amount I would be making the payment. she again insisted that I set up the payment with her right then because she had my checking account information and wanted to know why I wouldn't just set it up with her right then. I informed her I would call back on the date and make the payment. She acted like she was put off but did ask some questions as to what caused my delinquency and updated my account for no calls at work. I did not appreciate the manner in which they continued to inform me that they had access to my checking account and their insistence that I set up future dated payment with them right then and their. I gave my checking account information over the automated phone system, not to individual to share with all employees to inform me that they were looking at my checking account information. they were way too forceful and aggressive in their tactics and they displayed minimum customer service. I made the payment to bring the account current and as of today, I paid the account off so I do not have to deal with them anymore, as they have horrible customer service and are way too aggressive for a person with first time delinquency.

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 2019-07-03
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Ive paid my credit card bills. Half the time I cant even login to my own credit card account. Now, my cards usually wont work anywhere. Its illegal and stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. OR any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 15 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report. These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Public Records being challenged in list form XXXX XXXX Bankruptcy ( XXXX ) - ( XXXX ) Discharged Personal Information for TransUnion NAME : XXXX accurate information about me. My only name is XXXX XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX The only reside at isXXXX XXXX XXXX XXXX XXXX, MN XXXX Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXX XXXX MN 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 2021-01-21
Company: Flagstar Bank, N.A.
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage co, Flagstar Bank has refused to remit insurance monies to me for {$1700.00}, paid by insurance co, XXXX XXXX. This check was mailed to Flagstar Bank on XX/XX/XXXX and again on XX/XX/XXXX, without my endorsement, each time then returned to me asking that I endorsed. The check was mailed a third time on XX/XX/XXXX, this time with an endorsement by me. Three previous checks, totalling {$45000.00}, were all returned with an endorsement by Flagstar Bank, WITHOUT my endorsing them previously. On my mortgage statement received XX/XX/XXXX, the {$1700.00} was notated as being placed in " Restricted Escr Dep '' on XX/XX/XXXX. My escrow account had recently been reevaluated in XX/XX/XXXX and was reconciled for the year prior to XX/XX/XXXX statement.

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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
Can you update my address and name on my profile.

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 2022-11-28
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:
This is my another endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I REQUESTED YOU PROVIDE ME WITH A PROOF OF THIS ALLEGED PAYMENT BEING LATE .IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE .UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE ( PAANL ) PLEASE PROVIDE DETAILED DESCRIPTION OF ALL PROCEDURE USED IN PROCESS TO DETERMINE ACCURACY OF INFORMATION REPORTED I HAVE REQUESTED TO ALL THE CREDIT BUREAU ABOUT THE LATE PAYMENT ON MY CREDIT HISTORY TO PROVE. I HAVE NOT GET ANY REPLIED. SO I REQUEST ON MY CREDIT TO BE REMOVED ALL LATE PAYMENTS.

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 2023-02-19
Company: LLOYD'S PLAN, INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I understand there was a remaining balance after the vehicle was repossessed and sold of approximately {$2900.00}. What is very concerning is the amount of interest recently added and reported to XXXX XXXX Iowa XXXX XXXX XXXX. The company alleges that interest accrued to a total of {$2700.00}, which is nearly equal to the original remaining balance. This company has also consistently made, removed, and adjusted notes on my credit report which has caused my credit to fluctuate greatly. In addition, the credit report has consistently showed that the account was a chargeoff/collection account, which made me further question the legality of adding such exorbitant interest to the account. {$2100.00} has already been seized via wage garnishment, so I am concerned that this company has done this seemingly unscrupulous XXXX and legal processes against other unsuspecting consumers with no means to investigate the legality of these actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The 4th dispute and request from Transunion for validation or to remove XXXX on my file ASAP : This letter is in response to your recent claim that XXXX XXXX XXXX Georgia verified the account they are reporting is accurate. The letter I received from XXXX XXXX XXXX Georgia states this did not take place. I have contacted both XXXX XXXX XXXX Georgia and XXXX XXXX as you keep having me chase them when it is your responsibility to do this before adding anything to my credit report. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. It is not legal to place items on my credit that has not been verified from the creditor listed and you have continue to give me false information. 

In compliance with this method of investigation request, please provide the following : 1. The description of the procedure used to determine the accuracy and completeness of the information.

2. Name, address, and telephone number of each person contacted regarding this alleged account. 
3. A copy of any documents provided bearing my signature, Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: NJ
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, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. Experian is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX and XXXX XXXX  XXXX - BALANCE {$15000.00} - CREDIT LIMIT {$10000.00} - Incorrect Balance being report, and high credit utilization disclosed and 30 day late payments ( XXXX - XX/XX/2023 ) violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments ( XX/XX/2023 - XX/XX/2023 ). They have violated my consumer rights multiple times. I demand a reinvestigation of the account ( s ) in question and modified and updated correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The credit bureau are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission and 15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 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. ( B ) Reporting information after notice and confirmation of errors.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
This is my fourth endeavor via CFPB Complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX AV XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX Balance XXXX {$2700.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022. I am formally requesting that you include the following fraudulent items to be removed from my Credit report. If you are unable to send me any documents pertaining that the disputed items belong to me, immediate deletion of the diputed items will be appreciated.

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 2021-01-06
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX, I sent {$50.00} to each of my grandsons for their birthday from my Cash App account ( $ XXXX {$81.00} ). The funds were sent as two separate transactions to each of their Cash App accounts ( $ XXXX $ ) ( $ XXXX $ ). 

Neither grandson has received the funds, although my bank ( XXXX XXXX XXXX ) shows that each transaction for a total of {$100.00} was transferred from my checking account. The funds were sent to the Cash App account of each grandson and it appears that the funds were received by the grandsons but they did not get the money. They have been unable to receive the funds. 

I have spoken to Cash App customer service multiple times as well as attempted to file a dispute with my bank. However, neither has been able to explain what happened to the funds. My bank will not give me back my money. 

I believe that my Cash App account has been hacked by scammers and Cash App refuses to acknowledge the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 contacted the Credit Reporting Agencies via Disputed letter after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that the late payments on the following accounts be corrected and fixed as soon as possible : XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX Balance : {$31.00}. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by 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 2021-01-06
Company: EQUIFAX, 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 am unable to login to the Equifax website so that I can dispute several inaccurate pieces of information on my report. I called Equifax multiple times ( see below ) and was told that an investigation would happen but nothing ever happened and the incorrect information remains on my credit report and I am not able to access the online Equifax portal. I called Equifax ( XXXX ) on XX/XX/2020 around XXXX XXXX and spoke with " XXXX '', call lasted about XXXX minutes. I called again shortly after around XXXX XXXX after the previous attempt to fix the problem did not work and was given an escalations case # of XXXX. This call lasted about XXXX minutes. I am still unable to login to my Credit report Account with the error message " Please call customer service ''

Company response to consumer: Closed with explanation