BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Unknown hard inquiry on my transition XX/XX/2021 Ml XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card, balance XXXX XXXX  This is information is incorrect and there were fraudulent charges made on this account XXXX XXXX XXXX credit card, balance, XXXX this information is incorrect please remove, and there were fraudulent charges made on this account

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have challenged the 100 % accurate reporting of this XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account... ..XXXX XXXX and experian are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX, and XX/XX/XXXX but if you look at the XXXX XXXX payment history they are also reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the high credit amounts there are XXXX different ones being reported between bureaus XXXX XXXX XXXX XXXX  ... all 3 cant be accurate and therefore they are violating my consumer rights

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 2022-07-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I haven't sent 10 or more letters certified to all 3 bureaus about inaccurate information on my report that is severely impacting me with getting a home. I have requested validation and nobody has responded this is a FCRA VIOLATION and I want these inaccurate items of my report. 

XXXX Acct # XXXX - I have spoke to XXXX and removed my late payments I should have XXXX late payments on my credit report. It is still showing late payments for XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX  Acct # XXXX - I DO NOT HAVE ANY AGREEMENT WITH THIS COMPANY AND ARE REPORTING INACCURATE INFO ON MY REPORT. THEY WILL NOT RESOND TO ME - FCRA VIOLATION. 

I would like these items to be deleted asap off my report. I've attached screenshots for your reference, thank you.

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 2021-09-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
There is a charged off account on my credit report with XXXX XXXX This account was originally reporting to all three credit bureaus but XXXX has deleted this inaccurate account from my credit report. Each credit bureau is reporting inconsistently and many different inaccuracies on my report such as the open date and last active date. XXXX is reporting the open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. XXXX is reporting an open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. I have informed both bureaus of the inaccuracies on my report and XXXX and XXXX refuses to delete this account from my reports and has not provided any valid proof or evidence as to how they are validating this account. If all three bureaus get their information from the same place, how is it that XXXX found that this account was inaccurate and deleted it but XXXX and XXXX hasn't? Furthermore, I have also reached out to XXXX XXXX directly to try and resolve this matter and they have not sent over any documentation or have tried to contact me in any way. It is illegal to report inaccurate information on a consumers report and not only XXXX XXXX but the credit bureaus are in violation of the consumer laws and should delete this account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
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 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a payment from my debit card that is Capital One bank account as well on XX/XX/2022 for the amount of {$170.00} from my debit card linked to capital oNe bank account. It is capital One policy that they do not put hold on any Debit card payment. even-though this is also Capital One debit card and they were able to confirm the owner ship of this account with 360 checking account department, they still put it on 60 days hold. After numerous calls and filing complaint with CFPB, they reached out and apologized for the inconvenience and mistake and released the hold. Today my card was restricted again and they are asking me again for the proof of bank statement for the same payment that they have already verified and apologized for!! I asked to speak with the case owner who did that but they would not let me speak with me. I am leaving out of the country and this has caused me severe financial an d emotional distress. I strongly believe this can have discriminatory basis and will demand investigation and will also pursue legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 approx XXXX XX/XX/2021 approximately XXXX ( after this call I asked them to find the right person, I just ported this phone number 4 months ago ) XX/XX/2021 XXXX they called again, however I have number blocked at this point ( XXXX ) XXXX is the number that CONtinues calling

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: CARD Corporation
State: PA
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 never got my credit for the dispute XX/XX/XXXX OF XXXX XXXX   Purchase On card ending in XXXX - {$25.00}, and I called y'all on the XX/XX/XXXX, I think it was, and the agent told me he would create a case for my issues so I can get the {$25.00} credit into my account, and someone will call me or email me on the XX/XX/XXXX but never emailed me or called me and I still never got my credit for {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MD
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 two account in collection on my credit reports that do not belong to me. The first is Mercantile Adjustment Bureau XXXX for creditor Cirro Energy for {$380.00} made on XX/XX/2022. The second is XXXX XXXX XXXXor creditor XXXX XXXX XXXXXXXX ( XXXX XXXX For $ XXXX called XXXX first and all their systems were down until Monday. Then I called the collector Mercantile Adj Bureau and they told me to call Cirro Energy. I called them and they said I needed to contact the FTC. I found them online and was directed to CFPB. 
These two accounts do belong to me. I assume they belong to two fraudulent names on my credit report : XXXX XXXX XXXX and XXXX XXXX XXXX. 
Both from Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi I own a home with Ocwen and i have mailed several several Loan Modification documents to Ocwen and no one got back with me. Then about 3 months into it they decided to give me a relationship manager whom according to our discussion was going to get me a loan mod, but he came back to me and stated that he will give me a payment plan and i was advised not to make a payment plan until i heard from him. Well i never heard from him and later i continued to apply for a loan Mod and still nothing from Ocwen, about 2 months ago i got a letter stating that i will be foreclosed and i called Ocwen and at that time was given another Relationship manager who called me on day before XXXX telling me my mortgage has now basically doubled in price for the next one year. 
They are basically forcing me into a repayment plan that is double the monthly payments. 
I find this solution during this difficult time of my life to be preditory and unreasonable. 
I need help and a modification not for it to double and now i am stuck and dont know what to do and where to go. 
I have lived in this home for the last 14 years, I am a responsible home owner. I WANT to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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

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 2021-09-06
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

CREDITACPTXXXX-Balance : {$5600.00} - Date Opened : XX/XX/2019

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 2021-08-24
Company: National Collection Systems, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2021 {$2400.00} I called to verify and tehy asked for {$1000.00} more than what was owed National Credit management

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: VA
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:
My personal identifying information was exposed in the Equifax data breach. I am listed as a potential victim on the equifaxsecurity2017.com website and would like a resolution. I had to pay {$10.00} each to XXXX and XXXX to place a freeze on my credit reports with those bureaus ; I froze my credit with Equifax as well, it was offered for free. The problem is that the PIN to unlock the freeze for each of them may be reset with the same information that was leaked in the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$27000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00}

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I called XXXX XXXX and explained that someone created an inquiry on XXXX XX/XX/2021 on my Transunion credit report. i talked to a lady and we agree it was fraudulent and would contact TransUnion to be removed this was back in XXXX and the inquiry is still on my credit causing me hardship from being able to buy a house or start a business. i sent many responses and still haven't received anything Transunion refuse to help 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 explanation
Consumer complaint received 2021-02-12
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 XXXX ATM withdrawl {$500.00} ( less than 24 hrs later, but different day ) XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 ATM says I have reached my limit for the day, but I have not. 
XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 XXXX TODAY- says I have reached my limit for the day, but I have not. 

So, I called the number on the back of the card, customer service rep says that you can only do one withdrawl in a 24 hr period. I mention my withdrawl history of XXXX to XXXX, less than 24 hours and no problems. They have no response. I said so I have to wait until after XXXX tonight to take my next advance then, as that would be 24hrs since my last withdrawl, they say no, I have to wait an additional 12 hours because I am penalized for trying to take my unemployment money out before the initial 24 hr period was up. I said you do realize that this is my money, my unemployment, I use to feed my family and pay my bills right? Unacceptable, i am ready to call local news station.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

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 inructions 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 2022-05-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a text from what I thought was JP Morgan chase fraud services stating that someone was trying to XXXX {$2000.00} out of my account and did I authorize the payment I responded with no about half an hour later I got a call from what came up as JP MORGAN Chase on my caller ID and they were stating that I did have an issue with my account in which they needed to transfer funds in the amount of {$1300.00} to myself through the XXXX payment portion of my chase mobile app to fix put a hold on my account and combat the people trying to steal money from my account in which I did so and the money did got transferred to someone else 's account when I thought it was staying in my account and I thought I was dealing with chase fraud services well I was a little off put about it so I went to my local branch afterwards and they said that no one had tryed to contact me through chase and I called the number back and it had the same voice prompts as the actual chase number they gave me the actual chase number to file a claim and they told I was involved in a phishing scam so I did file a claim and they said that because the it was through XXXX it might not be returned and I wouldn't have an update till the XXXX of XXXX and afterwards made a Police report to go with the claim still feeling uneasy I went and talked with a banker at the branch the next day and the woman I talked with was very concerned and confused on why it would take so long to do get a response and why I might not get my money back and was actively trying to work on my case then I guess she transferred out and was replaced by a different woman who also said that I probably would not see my money come back but she called and asked the status of the claim and the next day the bank sent me a notice stating that because both parties mutually agreed no action would be taken and the claim was closed in which I never agreed to such terms and called the online banking number right after and they said they tryed to recover funds but nothing could be done I tryed to contact the branch to speak with the woman I originally talked to I left a message and have gotten no response.

Company response to consumer: Closed with monetary relief