BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
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:
Although the XXXX credit card is accurate on my report, It has been on there for XXXX  years this past XXXX and should be removed now. And XXXX has been XXXX  years this month

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 2017-03-30
Company: LEXISNEXIS
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Vetting Agents - I was told to submit this way due to no topic that fits. 
2 Years ago I was told the LexisNexis.com product line was being used to VET agents, the fair credit reporting act allowed them to do this daily and share our information with millions of employees and contractors in the USA and XXXX and other countries they accessed our personal information SS #, DL #, CreditReports, HomeAddress, DOB, last know address and associates. daily and sometimes multiple times daily. 
I am a XXXX employee XXXX. 
In order to get help we have to disclose our cell number so they can VET us by texting us a code that we have to repeat back to them, in order to receive a code they go into the LEXISNEXIS portal and ask us personal questions that we have to give them the answers to. The same information required when getting a loan or car insurance. 
we are asked this no matter if we are in a public place around people whom have no right to our private information, our clients have no right to our private information. 
After many complaints, We were then told it had to be our billing address belonging to our Cell Phone, I changed my cell bill legally to my XXXX, and they refused to accept it saying fair credit reporting required us to use our home address, then we were told it had to be our personal address where we lived. 
But then later they starting asking for DL #, model make color of our cars and address where we have lived. People or Companies we may have been associated with in the past. 
We have the expected right to privacy just like any Agent on the street. This portal is being accessed by millions whom have not been given permission nor should ever have it for this VETTING purpose. This function has nothing to do with our private information. 
I contacted the state of Tennessee on many levels, our local Court House, XXXX, XXXX the United Postal service, they were all asked the same question do sell my private information or give it to anyone? They all said no that this is public information? but none of them could tell me where you can find my SS #, DL # Home address, Cell number, in public or on the internet, without some kind of written consent from me. I have not given LexisNexis consent to have my private information much less distribute to millions who can access their portal who also do n't have my consent to do so. I contacted LexisNexis asked them to remove my information from their system 2 years ago it has yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Alabama Housing Finance Authority
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with the mortgage company for months to complete a pre-foreclosure sale. My home was initially placed in loss mitigation due to divorce. My husband occupied the home and then left it without telling me. Because it was so far behind when I found out he left, I was unable to catch the payments up. My only option was to sale. It took forever to get to the point that we could accept offers due to me having to wait for the home to be awarded to me after the final divorce. I had an offer on the home and it fell through due to the buyer being tired of back and forth from the mortgage company. Now, I have XXXX buyers but the mortgage company is saying it 's too late to move forward. Why is the sale not being postponed? I have worked with the mortgage company since the day I found out the payments were behind. I 've submitted everything they 've asked for. I 've even asked if I can get back into the house some way. I can not afford to have a foreclosure on my credit. How can I stop this foreclosure and continue to get my home sold?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I have tried several times to deal with the customer service reps to no end. 

My credit report is being affected by wrongly reported lates. Account XXXX is being reported late in XXXX, XXXX and XXXX. XXXX ( which is paid off ) is being reported late for XXXX, XXXX and XXXX of XXXX ( in which a XXXX payment was made on the XXXX ). but I am not being credited with a {$200.00} and a payment that was retried and successful from my account on XX/XX/XXXX. It is only showing reversed in your records on XX/XX/XXXX so technically the payment was made on time. 

Also, in XXXX being reported late but I made a XXXX payment on account XXXX and XXXX on XX/XX/XXXX. Also on XX/XX/XXXX and XX/XX/XXXX payments of XXXX were made and successful. on account XXXX on XX/XX/XXXX a payment was made and successful for XXXX and XXXX on the XXXX. So the late in XXXX and the late in XXXX are incorrect as I am also not having the XXXX payment on XX/XX/XXXX reflected as paid. I need to have these lates removed from my reports as they are incorrect and payments that were retried were not recredited to my accounts. I do believe there were more retries that we done and never credited to my accounts as well or put on the wrong accounts. I have been a long-standing client and would like to continue to be but these errors are affecting my credit rating and I was not late as payments are not being credited correctly. I see many complaints on here of the same issues from other people. SO this is a trend with this company. I am attaching all my bank payments to XXXX  here. Not all have been credited to my accounts and were marked reversed when they were not. I never had any lates before on my XXXX XXXX card accounts.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-07-30
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I dont even have the exact dates because thats how unprofessional Chase representatives are, I had the chance to deal with XXXX who worked at the mortgage lending department of Chase. We decided to apply for a mortgage and she was the one helping us out she had no idea what she was doing it seem like it was her very first application, she took down all my information pulled my credit seemed very confident in the work that she was doing and now its been over a month and she has disappeared. We never got her contact information as promised like she said she would forward to us and we have had not the opportunity to reach out to her because no one knows who she is! She pulled our credit, we had over XXXX scores and then ignored us

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I transferred from my business CHASE account via same day transfer ( XXXXsame day, low value ) to a vendor/ XXXX  {$2100.00}. 

XXXX did not receive the transfer in time to use the funds for a time sensitive transaction to XXXX. 
XXXXXXXX XXXX deadline had expired. 
The next day I received a credit from XXXX in the same amount of {$2100.00}. 

On XX/XX/XXXX CHASE issued a fee of {$21.00} for this botched same day transfer on XXXX. 

Today on XX/XX/XXXX at XXXX XXXX I called the CHASE customer service line but CHASE refused to credit the fee of {$21.00} which is a 1 % fee of the value to be transferred. 
The customer service agent escalated the credit request to her supervisor. The supervisor told me that her system is blocking a refund. 

CHASE claims the XXXX credit received on XXXX was a " separate '' transaction from XXXX  ( not a " can not deliver return '' ) so they can not credit me the service fee for the failed same day transaction service. 

Pls advise. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

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 2023-05-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am the victim of identity theft. My information was exposed in the XXXX XXXX XXXX. I believe this is how the thief or thieves got my information. I have submitted all of the necessary documentation to law enforcement. I then sent the documents to the credit bureaus. I have sent the information to Experian at least 8 times and they are non responsive and continue to report accounts that were opened fraudulently. This is causing me severe harm. I have also reported them to the Attorney Generals office and they have failed to respond to that complaint. Please assist me in getting justice and being made whole.

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 2021-12-19
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Loan was opened under my name without authorization. I already contacted the company twice and had fill out ( unauthorized activity ) twice. Company isn't doing any investigation other than communication with Merchant ( which obviously ) won't lose money/merchandise and will provide valid information that for them ( it's valid ) but for me ( the victim ) is inaccurate/unauthorized/not valid. 

Latest communication to company attached. 

" I received an email that a loan was approved but I didn't read it right away. I read it after I found out an unauthorized loan was opened under my name. Changed password and contacted Customer Service while at the same time a notification that a package was on its way was received, but never reached my doorstep. I was at work when the ( address used ) was not the correct address ( missing information ) and I have proof of that or you can simply read the tracking history. Someone around 5 PM I believe picked up a package under my name when I was still at work, and I have proof of that as well. Your job should be to pull the video from the store or drug store the package was picked up from and analyze it thoroughly, NOT to deny my claim because you have too many claims for the day. Do your job and this is the second time I had to filled this report out for y'all. Also, I'm filling a XXXX  report on the wrongfully negative trademark sent to credit bureaus and another XXXX thru CFPB and others ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: FL
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2021-08-08
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
BB & T ( now Truist ) did not follow proper procedure or stated policy to protect my account. On XX/XX/XXXX, BB & T removed me, the only signature for the restaurant account, XXXX  XXXX , XXXX, and replaced it with XXXX XXXX, representing himself as the new owner. I was the only person allowed to sign on this account. Upon discovering I could not log into my XXXX  XXXX I went to the bank. I asked XXXX XXXX, manager, what happened. She said did they not call you, you better get a lawyer. I was not present, and I had not given written permission or spoken to anyone giving approval for this action. 
XXXX  XXXX, located at XXXX XXXX XXXX, XXXX, GA XXXX, operated from, XXXX, XXXX to XX/XX/XXXX, and was independently owned and managed by XXXX XXXX. 
Notes : Regarding BB & T and XXXX XXXX email to XXXX XXXX on XX/XX/XXXX. 
I did not ever call BB & T and tell them to remove my name from the XXXX  XXXX account and replace it with XXXX XXXX. I did call BB & T and asked them to unlink my personal account from the XXXX  XXXX business account. XXXX XXXX did go with me on a few occasions to BB & T when I was cashing a check to cover the weekly tip out for the staff. I did not ever request to meet with a manager to make changes to the XXXX  XXXX business account. I find the words Mr. XXXX used at the end of the second paragraph perplexing. Taken together, these facts gave BB & T a reasonable belief that XXXX Lively was authorized to act for XXXX  XXXX, XXXX Ms. XXXX knows what happened. We have not been given the name of the person who ultimately signed and is responsible for BB & T action. We must remember that Mr. XXXX is a conman. He filed a defamation suit against me, accusing me of saying just that, his complaint was struck by the court. 
Over a period of 6 months Mr. XXXX did everything possible to gain my trust. It is obvious he was successful. By mid-XXXX  I began to have misgivings about the sale. A change in his behavior and care for the restaurant were a problem for me. When he continued to stall on the lease for the space and ultimately took unexecuted documents to BB & T and changed the account signature, also removing my password to the Point of Sale and payroll account I withdrew my offer to sell.

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 2017-04-04
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been actively trying to have the collection account/judgment removed from my credit report from XXXX as I and my wife, XXXX appeared before the judge and the plaintiff did not appear and the Judge ruled in my favor that this matter was a non-suit judgment on the behalf of the defendant ( I, XXXX ). I have sent the Judge 's order to XXXX in support of disputing this item from my credit report and they have since removed it. I have also sent the supporting documentation to Equifax and XXXX in XX/XX/2017 and have received correspondence from that they will not remove this fraudulent charge from my credit report. I am requesting your assistance in having them remove this from my and my wife 's credit report as this is seriously affecting our credit and lives. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021, i sent a letter to the bureaus reporting some inaccuracies on my credit report. To this day over 60days later the inaccuracies have not been resolved yet. I am being completely ignored and this is really not fair to me. I researched some of the law and i found out that Section 611 a says that a failure to investigate these items within 30 days give a reason for a complete removal of those item in my credit report. In my case it has been over 60 days therefore i should expect a deletion. Please remove these items promptly since the law was violated here. My information was also impacted by the equifax data breach that happened couple years ago and who knows have my information right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: JPMORGAN CHASE & CO.
State: CT
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:
Wallet with SSN, My Sons SSN, IDs, Cards And More Was Used and Stolen Back In XX/XX/2016. Resolving Full Credit Report Prior To Applying For My XXXX XXXX Please Call Me Urgently For More Information. 

Thank You Regards, XXXX XXXX XXXX - 15 U.S.C. 1681c-1 and 15 U.S.C. 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: CCS Financial Services, Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed this account with both XXXX and Credit Collection Services. Credit Collection Services has not been able to prove that this account they are reporting is 100 % accurate, verifiable and timely. See attached letter ( settlement offer ) they sent when I requested debt validation. This erroneous account should be removed from my credit report immediately. I have never done business with this company, nor have I ever signed a contract with this company and the letter they sent has not merit as to the validity and verifying this debt ; therefore, consumer law states that this account must be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2023-07-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased merchandise from Diamonds International on XXXX XXXX. I returned the merchandise back to Diamonds International and they received the merchandise back on XXXX XXXX. I have a XXXX proof of delivery that XXXX from Diamonds International signed for the returned merchandise. I notified Comenity Bank and opened a dispute in XXXX of XXXX Since then nothing has been resolved. Comenity Bank will not help and Diamonds International will not credit my account to Comenity Bank. Diamonds International says that they can not find the merchandise that was returned and Comenity Bank has reported my account to the credit bureaus resulting in a lower credit score. Both Comenity Bank  and Diamonds International have been given the XXXX proof of delivery tracking number but are continuing to do nothing to resolve the issue. Please help me to get this problem resolved and my credit repaired with the credit bureaus. I havent had the merchandise since XXXX XXXX and Diamonds International has had possession of the merchandise since XXXX XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief