BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-09-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$570.00}

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 2021-11-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited a loan check in my account via ATM on XXXX XX/XX/XXXX and the next day they restricted my account and then after several attempts to contact them, chase bank told me they were closing my account and ending our relationship. Now all my money is unavailable until they close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent money to a friend XX/XX/XXXX on venmo to pay rent to the tune of {$2000.00}. My friend never received the money and she showed me proof. All of a sudden they closed her account and closed mine. I disputed with my bank to get my money bank XX/XX/XXXX. They denied the dispute claiming they had refunded my money. I didnt receive a refund from my bank or venmo. My XXXX $ is still missing and venmo is giving me all type of excuse regarding chargeback etc I feel like this is a ploy to just take my money. They keep talking about a negative balance on my account that shouldnt exists and I wish I could see it myself to know whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Was not notified of investigation status or results

Complaint:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXXXXXX XXXX XXXX / {$0.00} / XX/XX/2022

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or the list of inquiries : 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 an 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 or 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-11-23
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: Investigation took more than 30 days

Complaint:
XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I got an alert on my Experian credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company XXXX XXXX XXXX as the collection company. There is no original lender listed and there is no company listed as the entity that sold these false accounts to XXXX XXXX XXXX. So I disputed this info directly on the Experian website ( am waiting results ). I reached out to XXXX and requested the original loan docs for the 3 accounts that they were reporting for me, and they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I am not even able to contact the original lender because there is not one listed!! I explained this to Experian and am hoping they can remove these accounts asap, but I wanted to make a formal complaint with the CFPB to make this issue known on a larger scale. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accounts then they should not be on my credit report. PLEASE HELP!! As this is not the first time I've had to report false collection accounts on the CFPB, the same issue arouse in 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 2023-11-30
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-11-23
Company: JPMORGAN CHASE & CO.
State: WA
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:
I filed a credit card dispute with Chase Bank on XX/XX/2021 regarding an improper charge from XXXX XXXX XXXX for services rendered. My dispute involved poor quality goods and services provided as well as fraudulent and deceptive business practices employed by XXXX XXXX. A decision was issued on XX/XX/2021 by Chase Bank stating that they considered the disputed charges valid. As a result, a charge of {$1900.00} was re-billed to my credit card account. I then sent correspondence on XX/XX/2021 stating that I wanted to continue the dispute and that I was requesting a re-dispute of the charges. On XX/XX/2021, I received notice from Chase Bank that my dispute was continued and that they were researching the issue. To date, it has now been over XXXX billing cycles and over XXXX days since I received any correspondence from Chase Bank. In addition, the dispute remains open and the charges to include any associated interest and finance charges remain on my credit card account. Per FTC XXXX XXXX XXXX and the XXXX, disputes must be resolved within XXXX billing cycles and or no more than 90 days. This is a clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 



XXXX XXXX XXXX Date Opened : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian without my knowledge and consent removed or deleted a closed XXXX XXXX credit card account from my credit report that was in good standing. This has hurt my Average Age and credit history length.

That account # XXXX i did not give permission for Experian to do this change.

I also called about this several months ago, but the guy sweet talked me and tricked me into not disputing it.

This accounts needs to be placed back on my report. if it was removed by error or confusion it needs to be replaced back 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 2021-11-23
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Agency : PROFESSIONAL DEBT MEDIATION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Original Creditor Name : CLIENT : XXXX XXXX I XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX TN XXXX Date Assigned : XX/XX/XXXX Date of First Delinquency- XX/XX/XXXX Account Number : XXXX The debt had paid on XX/XX/XXXX, in the amount of {$600.00} after negotiation and they promise that the account will be close and remove from all credit bureaus. 
Now they want more money and telling me to pay, if not they will continue to report. 

XXXX has been past the statute of limitations of Texas. According to Texas statute of limitations and record retention period. I demand that please remove the information from my credit reports and cease all collection activity. 
They never replied to me or communicate with me, I have called so many times with no reply. I was able to reach out to XXXX, but they are very rude, and they are very unprofessional. They start cursing me and telling me to pay more money. 

Best Regards XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: ZOA, LLC
State: TX
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:
XXXX XXXX XXXX is constantly reporting an account from a pay day lender by the name of XXXX XXXX XXXX, that I never opened, nor never applied for. It has been removed from my credit report 2 previous times. The first time it was removed from my XXXX  report. The second time it was removed from my XXXX report. It is now being reported on my XXXX   report and should be removed immediately as a fraudulent account, from information most likely obtained through and XXXX data breach earlier this year.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-21
Company: DISCOVER BANK
State: SC
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: Card was charged for something you did not purchase with the card

Complaint:
I have disputed discover card for years. Fraudulent charges were applied to this account when card was stolen over 5 years ago. I always paid my account on time until I became aware of the fraudulent charges. I'm very dissapointed that Discover continues to report this negative charge off simply because I refuse to continue paying on a a card with charges I don't owe. I disputed with the credit bureaus and sent my FTC identity theft report ' The account status should be closed due to card being stolen or lost and the charges after the theft should be removed from my liability. I'm disputing this account as fraud and while it is being disputed internally this account should be temporarily blocked from my file until Discover makes the necessary adjustments/corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX and XXXX of 2022 I made two small purchases on a Penfed credit card. 

In XXXX Penfed removed my payment account from their system. Repeated attempts to add my bank account and make a payment failed. 

In XXXX Penfed customer service called requesting payment. They agreed that the problem was their fault, and removed some of the late fees and interest. I made a payment that the customer service representative stated would pay my balance in full. 

On XX/XX/XXXX Penfed customer service again contacted me saying that there was a balance on my account. They stated that some fees and interest had accrued on the day that I made my payment in XXXX. They again partially removed fees and interest. I made the second " final payment '' of {$24.00}. Penfed sent me a email with a letter stating that the complete balance had been paid. 

In XXXX I noticed that my account showed an additional balance of {$1.00}. I called customer service and they again stated that additional fees and interest had occured on the same debt that I had paid off, in full, twice. They are refusing to remove the latest balance, or close my account without the balance being paid. 

The original charges were for approximately {$15.00}. At this point I have paid them well over the principal amount, and they continue charging me for a debt that I have attempted to pay in full twice.

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 2018-02-06
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
NationStar or " Mr.Cooper '' is the service company - Loan # XXXX. At end of the foreclosure process - they sent notice of the Service Member paper work indicating that I was not a service personnel and the next notice I receive is that on XX/XX/XXXX summary judgement was issued. We were waiting for the court date and were not notified so were unable to send our new attorney to request a short sale since we believed we had used up all our legal options. 

Our original attorney since XX/XX/XXXX - XXXX XXXX - had withdraw from being our attorney in mid - XX/XX/XXXX. The bank 's foreclosure attorney had that information since they were in court. 

When I called NationStar aka Mr. Cooper and spoke to customer service last week I was informed that they had gotten statements back back that were sent to Attorney XXXX but had not called me to find out if something had changed. They told me that the foreclosure department does not " talk or communicate '' with the customer service department. They were fully aware of all that had transpired - court date, sheriff 's sale date - so someone had told them this information. One of the agents I spoke to told me that they had called the attorney back in XX/XX/XXXX but had not called since because they had gotten busy with " hurricances and floods ''. I asked to have the issue escalated and spoke to another agent that gave me an email to escalate my concerns to - XXXX. I sent an email this past weekend and have not heard back from anyone. 

We want to be given an opportunity to do a short sale instead of having a foreclosure on my record - they told me to go via XXXX but that they could not guarantee that I would be given time to do the short sale. As you know, there is a lot of paperwork involved in doing a short sale and putting it into XXXX. I know since I am also a XXXX XXXX XXXX who has done XXXX XXXX for my clients since XX/XX/XXXX. 

I would like Mr. Cooper to give me a chance to do the short sale - a minimum of 120 days to list the home, get a buyer and submit the necessary paperwork. 

Just because I was not notified of the final court date and the sales date was escalated some how in one of the largest counties in the state only adds to my curiosity on how they managed to do this. 

My reach number is XXXX - my email is XXXX Any assistance would be appreciated since Mr. Cooper does not seem to want to respond to me at this point. The property is finally at least at market price. My son and his wife have lived in the unit and will also need additional time to leave if the court date can not be stopped for some reason. Thank you!

Company response to consumer: Closed with explanation