BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: BARCLAYS BANK DELAWARE
State: DC
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:
Letter below is what I sent to the merchant after waiting several months to this on going issue. I called countless times addressing this issue and was told to wait until the merger was final and I will see the credit on my acct. 

Barclays have done not tried to resolve this issue during any of my calls to address my concerns. They sent a letter on XX/XX/XXXX stating they received my docs for dispute and it would take 45days to investigate. Then I received another letter on XX/XX/XXXX as this case is closed due to 2 billing cycles has passed and nothing can be done about this issue. I have asked to speak with a manger many times only to be told we will have a manager call you in 48hrs. I never received this call. EVER. Letter below is what I sent to the merchant. 

Hello, I was told to fax this information because of a missing refund/credit dispute. 
I received a {$490.00} refund/credit to card ending # XXXX this card was when the acct was with Bank prior to the merger from XXXX XXXX  XXXX The refund/credit was processed by XXXX on XX/XX/XXXX from the original purchase on XX/XX/XXXX through XXXX for XXXX XXXX purchase on cc # XXXX. 
I need to dispute this for credit asap due to the inconsistent information I have received from customer service during countless calls.

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 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is for the past issues I submitted regarding my consumer report. That Transunion failed to investigate 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ) as to my last complaint regarding the improper use of my credit card information using my social security number and other identifying data used containing my consumer report, has not give me proper notice under 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) 1016.7 Form of opt out notice to consumers ; opt out methods 1022.54 Duties of users making written firm offers of credit or insurance based on information contained in consumer files, I gave Transunion written instructions under title 15 usc 1681b2 and has failed, nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) is questionable as well

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
15 U.S.Code S 1681 2 A Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

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 2021-03-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It started in XX/XX/XXXX I filed for bankruptcy chapter XXXX. During that time that my servicer XXXX had transfer to CHASE with out informing me of the transfer. I had then contacted CHASE and requested to do a refinance because at the time my interest rate was at 4.875 % and my monthly payment was at {$1800.00} which I was not able to afford with only my social security income. In XX/XX/XXXX I received a denial letter from the lender stating that I was being denied for assistance due to not enough income. After receiving the letter I went to the office of for the Attorney General Office for Arizona and opened a case XXXXand filed a complaint towards CHASE and received a call back from them on XX/XX/XXXX from a point of contact XXXX XXXX and she advise me that they are able to review me for a modification. I received a loan modification package from the lender. I had prepped and submitted all my financial documents per the loan modification package to the lender by the end of XX/XX/XXXX. I received a call back from XXXX XXXX on XX/XX/XXXX that they had received all my documents and that I was currently in review. In XX/XX/XXXX I received a letter from the lender they they needed more time to research my request, and by XX/XX/XXXX I would have a decision. Also in the letter it stated that the executive decision of the review was XXXX XXXX. The lender then advised me that they would offer me assistance as long as I dropped my compliant with the Arizona Attorney General. I then received a loan modification from the lender on XX/XX/XXXX and the interest went down from 4.25 % which reduced my payment to {$1500.00} which I was fine and happy with. It was months later that I was advised that my loan term had been extended an extra 10 years. Which shocked me because it was never mentioned on my paperwork and I would have never agreed to paying an extra 10 years on my loan. I then tried to do a refinance to correct the matter and was once again reviewed for a modification and was offer a stream line which began in XX/XX/XXXX for the amount of {$1400.00} which is only reducing my payment to {$13.00} but yet still keeping my interest rate at 4.25 % I feel that the lender took advantage of me and placed 10 more years of payments which I am struggling due to only have set income from SSI and my Annuity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
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: Information belongs to someone else

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my 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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XX/XX/2022 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 2019-11-02
Company: LEXISNEXIS
State: WI
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:
I have sent in multiple certified letters about a bankruptcy that they are reporting inaccurate information on my report I have ask for them to send me a method of verification to show proof they continue to REPORT INACCUARATE INFORMATION and refuse to verify the information which is a violation because they have to get it verified thru the original handler which would be the us bankruptcy court. so they are already in violation and refuse to send me a real validation and that is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed withe all 3 credit bureaus about 30 day late payments on my credit report. The credit bureaus investigation results said that the lates are factual but are false.On XX/XX/2021 I received a letter from creditor stating that they have done an investigation with the credit agencies and did not find ANY reporting of delinquent payments! The bureaus still have not removed the derogatory marks from my 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 2022-12-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good day, my ongoing issues is with Equifax. Their reporting accounts on my credit report that aren't mine. After pointing this out to them, they claimed to have verified it, but they refused to send me copies, prove, of the investigation. 

Since they've claimed to have physical proof that the accounts belong to me, than I demand copies of the investigation, that are within my rights as a consumer. 

Credit bureaus are supposed to report 100 % accuracy, on consumers credit report. Their still not taking me or my issues serious. This situation is stressful enough, and it's unfair that I am being punished for their failure to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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:
XXXX XXXX XXXX did not have staff available to receive payment before it became 30 days past due. I called in to make a payment and a staff member stated the person to receive that payment was not available. When the person called me back to make a payment it was too late and cause me to go 30 days past due. I have asked Experian and XXXX XXXX XXXX to verify with recorded phone calls and how the payment was made. No such thing has been done, and to verify my STORY they created a new payment software because of how difficult it was to make a payment. Which you can verify on their website called XXXX XXXXy how ironic. Please assist with this late payment being reported, and as you can see I have no other late payments 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 2023-06-21
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had XXXX  business credit card with us bank and for some reason they have XXXX  accounts open for me. On my credit card account it would state only a fraction of my payment was due and on the second account my balance would show the remaining balance but I didnt know about any second account. Therefore I thought I was paying my credit card in full each month until I got XXXX statements in the mail and one of them showed over XXXX owed when I thought I was paying it up in full each month. 
I asked why there were XXXX accounts for XXXX credit card and they gave me a run around that this is the way us bank handles business accounts and I am not the only one this happens to as many business customers have the same Issue and dont know they have a balance or XXXX account numbers. They stated very clearly they have had this happen often where a business owner did not know there were XXXX account numbers and their balance would grow without noticing until months after which is what happened to me. I asked for some sort of payment plan and they declined. They said I either have to pay it in full, pay it off monthly and receive a hefty interest charge every month or go to collections. 
I then explained no one ever told me there was a second account where I was supposed to make payments and the representative stated someone should have explained that to me and its unfortunate no one did.

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 2021-10-26
Company: EQUIFAX, INC.
State: NJ
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:
All Three, Incompetent Credit Reporting Organizations, Are Purposely Keeping All Of My Positive Account Information, From My Credit Report. As Of Today ( XX/XX/2021 ), I See Only Negative Information, On My Credit Report. This Obviously Lower 's My My Credit Score, Which Is Their Intent. I Have Had Positive Account Information On My Credit Report, For Over Two Weeks, And They Never Applied It To My Credit Score. I Work Hard To Keep My Bills Paid, And I I Don't Need A Half Assed Organizations, To Ruin My Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: NV
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:
This is the second time that I have had to do a police report because the credit bureaus keep allowing someone to open accounts in my name. I had my car stolen with all my personal info in it about 4 years ago and ever since then someone keeps doing this. I mailed everything the credit bureau asked me to mail to them as proof and they only took off one or two of the accounts not all of them. Also two of my credit cards are showing as more than 30 days late and they were not. I sent in receipts and my bank statement as proof they were paid on time and they are still showing late on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Harvard Collections, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The department of Illinois Human Services put a debt item on my credit profile that I am not aware of. I never owed the state of Illinois any back payments of any sort! This is fraud on my credit report and the department needs to validate the debt. They put it under my legal name and could not find any debt. I didn't provide my personal social security number because that is private. 

I have not lived in Illinois since the late XXXX 's, and in XXXX I didn't live in Illinois I lived in XXXX, New Mexico. If the state is trying to collect on a debt over 30 years old I need to be informed in writing of the date the debt was first owed before putting these items on my credit profile, and anything containing my signature showing I owed this debt. My credit profile is clean and has always been! I need help with a resolution because this is bogus, and this happened around XX/XX/XXXX per my XXXX  credit profile. Also, the collection company is fraudulent too, no one answers the telephone. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent a court judgement to an address that I have not lived at for 2 1/2 to 3 years. This is a desperate attempt to reactivate a debt that does not belong to me. They took money out of my bank account in 2018 which is obviously 4 years ago almost 5. They sent a notice to an old address.

Company response to consumer: Closed with explanation