BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: BARCLAYS BANK DELAWARE
State: NH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I opened an account with XXXX XXXX  in XXXX to transfer my balance from my XXXX XXXX XXXX XXXX card to, as the XXXX card offered 0 % XXXX on balance transfers. XXXX sent a check to XXXX and charged my account. XXXX deposited the check, but I never received credit on my XXXX account for the check. My XXXX  account was charged on XX/XX/XXXX. Today, XX/XX/XXXX, I called XXXX to let them know that XXXX finished their investigation, and that they had sent me a letter with the results. I asked XXXX how I could send them those results, and they told me a case number on the phone with no additional information. XXXX asked for the exact account number the check was for, and XXXX told me they could not provide any information on that. I am currently still paying off both balances and not sure if any resolution is in sight. XXXX 's website gives me errors when I try to pull up information related to the transfer or disputes.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I called Transunion to get my credit report on XX/XX/2023, and after receiving it, I noticed some hard inquiries do not have a permissible purpose according to 15 USC 1681b. I also attached my credit report and a letter showing that XXXX is violating the FCRA.

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I file a disputed in regard to in correct items that on my credit report. it has been well 30 days. I haven't receive investigation result.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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 have attached a report about my unauthorized inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'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 2023-06-07
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: 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 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 2022-12-28
Company: EQUIFAX, INC.
State: TN
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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
This is unfair. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. I have been asking for proof that these negative accounts in my credit report is reported truthfully yet nothing has come to light and not provided me with copies of any documentation associated with these accounts bearing my signature, authorizing an hard inquiry. These unverified accounts affects my scores badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian is not responding to my demand to remove someone else information from my credit report. It has been more than 30 days and I sent 2 letters to Experian about removing addresses that are not mine, are inaccurate, never belonged to me. I also asked Experian to delete a name that is not mine and sent them my social security card and utility bill with my correct name XXXX XXXX XXXX. I mailed a letter on XX/XX/2021 which Experian did not remove the information at the time and I mailed a 2nd letter on XX/XX/2021 about this information being removed. I checked my credit report today on Experian website and it still shows the name of XXXX XXXX XXXX and addresses XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There are multiple unauthorized inquires on my credit report. Pursuant to U.S Code 1681b ( 2 ). Permissible Purposes. Consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. The following is a list of unauthorized/ unrecognized inquires : XXXXXXXX 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 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 explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
there are some hard inquiries Not made by me I have ask to verify with proof that I made those inquiries but Experian refused to do so. XXXX   and XXXX  graciously removed all inqueries not made by me. but Experian has not done the right thing.

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 2023-12-15
Company: EQUIFAX, INC.
State: CA
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2022-12-28
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2022-04-21
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor - XXXX - is billing us for a service that hasnt been provided by them. The service was provided by another company named XXXX and already paid in full. My physician ordered a genetic test for me through XXXX on XX/XX/2021. Afterwards, I got a text message from XXXX that I may pay {$250.00} for the genetic test before XX/XX/XXXX if I do not want to use insurance ; otherwise, I will pay through insurance with an out-of-pocket estimate of {$1000.00}. I paid {$250.00} to XXXX on XX/XX/XXXX in order to avoid the out-of-pocket cost. Afterwards, we got several letters from XXXX billing us {$1100.00} for the same service that we already paid for to XXXX. When we contacted XXXX, they denied any relation to XXXX and affirmed that I have XXXX balance with them. Afterwards, I contacted XXXX to clarify that they offered no service to us and the genetic test had already been paid in full with XXXX. They denied that the test had been paid for and only offered to reduce the bill to {$490.00} if I participated in some questionnaire. 

Recently, a debt collection company has reported the fraudulent charge of {$490.00} to my credit account which affected my credit score negatively.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2015, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via bank wire in the total amount of XXXX USD utilizing JP Morgan Chase XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 tried several different times to get an account deleted off of my Experian credit file due to the account being too old to be listed on the account. I am unable to dispute any information online with them nor am I able to get in contact with anyone who works with Experian. 
The Account is Listed as XXXX XXXX XXXX XXXXXXXX XXXX which was opened in XX/XX/2015. 
They also have the account listed as sold to another lender which is XXXX XXXX  which that place is not in business and there is no way that I can get in touch with them. 
For XXXX, this account is over XXXX XXXX XXXX which by law should not be listed on my trade lines. I have tried on many occasions to resolve this with Experian and is unable to get this resolved. 
Also whenever I dispute information, the dispute is resolved in less than XXXX hours which let me know that the company does not investigate the dispute properly or fairly. 
Per the FCRA, Experian is responsible for conducting a fair investigation into any dispute ; they are also by law supposed to remove accounts that are over 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 2021-08-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I submitted an escrow payment as the result of receipt of a NJ property tax reimbursement check issued and sent directly to me as the homeowner to my mortgage servicer, Carrington Mortgage Services , LLC, on XX/XX/XXXX to cover any escrow shortage. However, the excess escrow distribution check was issued to my deceased parents ( the original signatories ), despite the fact that my parents death certificates have been on file with Carrington since XXXX ; Carrington previously confirmed in writing that they determined that I am the Successor in Interest of the property on XX/XX/XXXX. In addition, I assumed the loan and I am borrower on the loan. 

Moreover, prior to submitting the payment, I spoke with a Carrington representative in the Escrow Department, explaining the source of the check and the purpose of the payment, as well as submitted a copy of the letter from the NJ Division of Taxation for Carrington 's review to enable them properly apply the additional escrow payment. 

Nonetheless, after the escrow shortage was applied and a new escrow analysis was completed, the excess escrow disbursement check was issued to my deceased parents despite the fact that Carrington had their death certificates on file and all of the supporting documentation. Moreover, in order to have the disbursement check reissued in my name, I was informed that I would have to wait until 15 days passed from the date of issue of the original check, submit a written request to have the check reissued in my name to the Carrington Research Department, and provide my parents death certificates and supporting document ( proof of Executor of the Estate, probated will, etc. ). 

Additionally, I was advised that every time a new escrow analysis of the mortgage occurs going forward, I would have to provide the information listed above again, otherwise any disbursement check would automatically be issued to the original signatories ( as an extra layer of security and protection ). 

These seems absurd and unacceptable, especially given the finality of the decedents, and the confirmation from Carrington that I am the Successor in Interest of the property. 

I spoke with a Senior Resolution Specialist ( XXXX XXXX ) with Carrington Mortgage Services , LLC on XX/XX/XXXX, who said that he would contact the escrow department and see if there was a possible workaround, as well as inquire if I could be reimburse the {$5.00} processing fee I was charged for submitting the payment on Carrington 's website. However, he said that he couldn't give me any guarantees. Mr. XXXX provided me with an email address to submit my written request to expedite the process. But the email message I sent couldn't be delivered. It bounced back with an error message address not found or unable to receive mail. I don't appreciate the loss and consumption of my time, as well as don't appreciate tying up my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 Capital One has violated my rights under 15 USC 1681 section 6O2 states I have the right to privacy. 15 USC 1681 section 6O4-A Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: AXOS FINANCIAL, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
on XXXX, my XXXX account was fraudulently obtained, and I was locked out by someone in XXXX. My account had my business credit card used for this account for advertising and a total of 8 charges of {$100.00} each were made using my credit card. 

I tried to report this as fraud on XXXX to Axos Bank both through their main number and fraud department. I found it strange that there long hold times for both departments, in excess of over 60 minutes so I called back the following day to report card as stolen. I also spoke with Fraud Department however there were unable to provide any details on the process, the time frame, or answer any of my questions I had regarding how and when I would recover my stolen funds. I was assured that I get a return call to answer my questions. No returns were made I made numerous calls again to both fraud department and main numberevery time there were extremely long times. I left with spoke 4 customer service representatives over a 2-week period to understand the process and timeline to obtain my stolen funds. Each time I was provided with assurances that someone would be reviewing the details and returning my call within 48 hours. No one ever returned any calls. 

I contacted the customer advocacy department and had assurances that their customers were important, and he would be calling me back within the next 3 business days. No return call so I called the representative back a week later asking for any updates his response was I left you a message last week and we you need to wait for the investigation to be completed which can take months. That is all I can tell you My concerns are vast : This organization has no concern for their customers, may face liquidity problems which would justify their unwillingness to examine a fraud case, support a fraud investigation process that is not a process in anyway and will result in an outcome that will no recover any of my stolen funds. 

This organization has no advocacy for their customers, an unwillingness to provide the service for fraudulent charges as they agreed to and a culture that lack clarity, accountability, and humility. I need your help to recover these funds of {$800.00}.

Company response to consumer: Closed with explanation