BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I received a copy of my Transunion credit report back in XXXX. I noticed 7 account credit inquiries that I did not authorize. I immediately contacted Transunion by mail to dispute those inquiries and to have my information corrected. Transunion replied saying they would be staying on my report and fall off after 2 years. I proceeded to call them and was told to contact the companies that ran my credit. I did so and I was advised to contact Transunion for removal. I called transunion again this week on Tuesday XX/XX/XXXX and was told I had to contact the companies and that they dont dispute inquiries. I was ignored and then told that the specific overseas agent I spoke to was limited on what he could do. I asked to speak to a supervisor and was transfered to a US agent who stated was a supervisor and that I would just have to wait the two year period for them to fall off. I again told him that I had never authorized those inquiries to which he replied there was nothing he could do and disconnected the call. I proceeded to contact XXXX XXXX the CEO at Transunion by email, informing him that his agents were refusing to submit a dispute or even attempt to help me get this information corrected on Tuesday XX/XX/XXXX, and as of today have not received a response. I have researched and tried different ways to get this corrected and as of today have yet to make any progress. It is disheartening that these credit reporting agencies dictate what they want to report and we as consumers are not able to do a thing about it.

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 2022-12-07
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 XXXX Account XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2021-04-19
Company: Shellpoint Partners, LLC
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 is missing that should be on the report

Complaint:
My mortgage company, Shellpoint Mortgage Servicing was not reporting my mortgage payments to the XXXX  Credit Bureau causing my score to drop. On XX/XX/XXXX after retrieving my report and speaking to a XXXX  representative he informed me that was the reason for my score drop. The situation has been corrected but if I hadn't caught it who knows how long it would have gone on. I am inclosing the unreported payments in a copy of the XXXX  Credit Report. See pages 8 & 9. The last reported payment was XX/XX/XXXX and report was generated XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The customer 's complaint against TD Bank spans several key dates : XXXX XXXX XXXX XXXX The customer opened a TD Beyond Checking and a TD Signature Savings account based on specific advertisements promising fee waivers and account bonuses. 

XXXX XXXX XXXX  : The savings account was funded within the 20-day window as confirmed by a conversation with a TD representative. 

XXXX XXXX XXXX The customer surpassed the {$2500.00} direct deposit requirement for the checking account bonus, which was due by XXXX XXXX XXXX 

XXXX : TD bank charges fees against their terms of promotion and customer needs to make multiple calls to prove that the bank is not operating on the terms of agreement. 

XXXX XXXX XXXX XXXX  TD Bank had advertised that bonuses would be applied within 180 days from account opening. However, by this date, the customer had not received the promised bonuses. 

Subsequent days : The customer spent numerous hours on the phone with TD Bank representatives, including XXXX, who confirmed their eligibility for the bonuses and initiated a review process. 

Ongoing : TD Bank continued to delay the application of the bonuses, asking the customer to wait an additional 2-3 weeks despite prior confirmation of eligibility. 

In summary, the customer 's complaint highlights discrepancies between TD Bank 's advertised promotions and their actual implementation, spanning from XXXX XXXX XXXX XXXXXXXX XXXX  The delays in bonus payment and discrepancies in fee waivers led to extensive efforts by the customer to seek resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: JPMORGAN CHASE & CO.
State: NY
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:
Please have this accounts remove from the 3 credit reporting agencies as they does not belong to me and i need them to be completely erradicated. Here i let a list of the accounts : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is in reference to complaint XXXX. Experian responded stating that the company verified that the disputed information was accurate as reported, but how can that be when I attached the letter from the company stating that they would be doing a goodwill adjustment. I do not believe that Experian cared enough to open the pdf attached because if they did, they would have seen the company 's response. The company also stated that no one from Experian recached out to do an investigation. Per the Senior Specialist XXXX at XXXX XXXX, this account is to be updated. If this account is not updated in 15 days, I will be seeking legal action. Once again please see the attached letter from the Creditor stating that they sent an AUD and requested that the late payment be removed.

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 2022-06-13
Company: CarMax, Inc.
State: NJ
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:
I did not consent to nor did I authorize the below information to be reported on a consumer report about me : XXXX. XXXX XXXX XXXX XXXX XXXX. Carmax XXXX. XXXX XXXX XXXX XXXX. These inquiries were Not initiated by me : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX. 

Your company do not have my written instructions to furnish a report on me. Correct this issue by deleting the about accounts and inquiries or else I will file suit in the United States District Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 account was deleted and its should not be on my credit report I am requesting that it be removed permanently wiped off my credit bureau report with XXXX XXXX and XXXX. I have proof that this account was deleted and now theres a duplicate that I would like deleted from all 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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, XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXXXXXX 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 2021-04-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I AM TIRED OF WRITING XXXX, EQUIFAX, XXXX ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Kikoff Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
My service with my bank makes me feel unimaginably scare to stay with company that is supplying my checks because they seem to not want me to be calm about me cashing or receiving my benefits of having XXXX bucks a week. The last time I cashed a check or even herd from my payee I want an added by a teller more than once and consent tell until I left the bank tryna make it back home. I am a XXXX XXXX XXXX  involved with a XXXX and can't be stable with out XXXX XXXX XXXX  being my payee. I pay I get some help and get the bank investigated or even my life back safe. Thanks

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 2023-10-07
Company: TRANSWORLD SYSTEMS INC
State: NV
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:
reportting account that are not my accoutns, reporting Inquries that are not my inquried and alod report latepayments on my crefit report causing my credit to refect a negative report, it also has cause hardship i am unble to use my credit due to Identity theif i can not get approve to get a home its reflecting negative where i am unable to get employment i contacted each account that i disputed and after the credit bruals do they investagation they senda letter stated all accounts are verified which is inccorect i'm demanding that account listed be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/XXXX Credit limit {$800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1700.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TransferWise Ltd
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I was using this account from long time but they closed it with one statement i.e.

( After reviewing your case we've decided to keep your account closed.

If you had any pending transfers or money in your Wise account it has been fully refunded to the originating bank account ( s ).

Wise has the right to close your account without notice, however you do have the right to complain about this through independent adjudication )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: FC HoldCo LLC
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: Reporting company used your report improperly

Complaint:
I was looking at a copy of my consumer report and noticed some late payments being reported by Flagship Credit Acceptance by law that should be on my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. This is how a consumer report should look by law and it doesn't say late payment to be on there in ( 2 ) 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 ; it clear states transactions which late payments are should be excluded from my consumer report. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. It is your duty to provide accurate information so i ask that the late payments on the account are updated to show OK or Paid as agreed

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 2017-05-11
Company: Smith, Rouchon & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX   XXXX ,  XXXX , I wrote a letter to  Smith Rouchon  requesting " verification of proof '' that I owed this debt. This medical bill occurred with an accident at my employer site and workers compensation was authorized to pay all my hospital debt. I called this company in  XXXX  and advised them to call my employer  Human Resources department so they may re solve this matter. The debt collector indicated they called but never received the payment. When I contac t Smith Rouchon and   ask for documentation the agency contact there refuse to provide me any information in writing. Per the Fair Debt Collection Practices Ac t, 15 USC 1692g Sec. 809 ( b ), this  is a violation of my rights. I can provide the certified letter with signature of receipt as proof that I attempted to request this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 non-monetary relief
Consumer complaint received 2021-12-27
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
This mortgage servicer XXXX mortgage has AGAIN threatened me with foreclosure. This is my XXXX complaint to your bureau. They have again re-added my late husband 's name to the correspondence ( he died 9 years ago ) causing me additional stress. After numerous correspondence, faxes, telephone calls and complaints there seems to be no way of getting them to stop harassing me short of my suing them for damages for my time, effort and costs of responding over and over and over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX ) Complaint filed with CFPB XX/XX/22 ( # XXXX ) AND COMPANY FAILED TO COMPLY AND DO WHAT WAS REQUIRED OF THEM WITHIN 20 DAYS AS REQUIRED BY FEDERAL LAW.

2 ) VIOLATED 15 USC 1635 ( a ) - Never disclosed to me CLEARLY and CONSPICUOUSLY and PROVIDE APPROPRIATE FORMS of my RIGHT to Rescind.

3 ) VIOLATED 15 USC 1635 ( b ) - SEE ATTACHMENTS 4 ) VIOLATED 15 USC 1605 ( a ) - SEE ATTACHMENTS 5 ) VIOLATED 15 USC 1692 ( j ) - FALSE AND DECEPTIVE FORMS -SEE ATTACHMENTS

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