BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im a victim of identity theft! Ive sent in an ftc report to Transunion! The following accounts are fraudulent and need to be removed from my credit file. 
XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RADIOLOGY THE NAME XXXX XXXX DOESNT BELONG TO ME! 
I NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX fl XXXX!! 

Both XXXX and XXXX has removed accounts. Accounts are fraudulent and cant be verified or validated!!! Please Block per fcra

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 2023-03-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is purposely keeping negative information on my credit report and did not show proof of their investigations. I disputed a XXXX XXXX XXXX account that does not belong to me and I have requested each time for Experian to provide proof of account with my wet signature and received nothing. Now they have stated I have not shown new information showing proof on my end the account doesn't belong to me and I have provided my Drivers license and SS card on several occasions and they have disregarded this information, along with calling XXXX XXXX myself and was told this account does not belong to me, relayed this to Experian and they still refuse to remove it. 
They are also doing the same thing with a XXXX XXXX XXXX account of reporting inaccurate late payments, in which I have sent in proof their reporting 's are not the same as XXXX and XXXX therefore its reporting inaccurate and needed to be reinvestigated to be deleted or corrected and on several disputes including today XX/XX/XXXX they're refusing to do a valid investigation requesting I show them some different information when my initial requested according to the FCRA were all valid requests for my disputes. and I am filing this complaint because at this point this is predatory and total violation of my 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 2023-05-04
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Navy Federal credit Union keeps overcharging me with all these late fees and return check notification monies when I bought a XXXX XXXX on the XXXXXXXX XXXX XXXXXXXX I used my debit card for the down payment in the sum of {$1300.00} it came right out of my bank account on the XXXXXXXX XXXX XXXX and then all of a sudden on the XXXXXXXX XXXX XXXXXXXX I see that they said I took it out on the XXXXXXXX XXXX XXXXXXXX and I didn't have enough money in my account so they charged me {$29.00} two times and a {$20.00} late fee and I called them and they said oh well we hold your money for 3 days so you can't spend any money out of your account for 3 days I've never heard such a thing before and this is not the first time this has happened with Navy Federal credit Union with me and I know for a fact there's other people that are having the same problem it's all over the Internet about Navy Federal credit Union I wish somebody could help me with this problem they keep stealing my money charging me all these late fees and they just say you are too bad

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am past due 2 months on my mortgage due to no employment. I will be 3 months past due in XX/XX/XXXX. As I spoke to my mortgage company earlier in XX/XX/XXXX they stated that I needed to come up with {$4000.00} to stop any foreclosure process- I explained my situation and advised I can pay XXXX payment now- THey refused my payment and stated that even if I send it in they will not post it and they will send the check back- I sent a payment of {$950.00} on XX/XX/2017 and as of today XX/XX/2017 nothing has posted as I check the website daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to the global pandemic and local shelter in place regulations i like many could not pay my bills. i explained this to capital one in XXXX and they did nothing which resulted in late payments. 

the moment i regained employment i never missed a payment and paid off my credit card extremely quickly. When speaking to capital one i was told my late payments would be removed from my credit report if i never missed a payment. 

i filled out all forms and spoke to numerous agents regarding my struggle with the pandemic. those late payments are to be legally removed from my credit report. every time i speak to Capital one they tell me to dispute it with the credit bureau, which i have multiple times and they have not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: ENCORE CAPITAL GROUP INC.
State: MI
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:
XX/XX/2021 a collections agency collected a debt that was in dispute of {$460.00}, breaking these laws 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1592C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible 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 2023-03-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Denied multiple occasions car loans from USAA for the following reasons.Serious delinquency, amount past due, time since derogatory public report, length of time accounts have been established, too many inquiries in the last 12 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a dispute of information on my Credit Report through XXXX. 

IC System, Inc listed several 'aliases ' on my credit report that were misspellings of my name, and an incorrect address. My name is XXXX XXXX XXXX. 

IC System, Inc placed several incorrect names as aliases on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX. Those three names were " updated '' by IC Systems per a dispute I filed by phone, and just switched back to my real name. Obviously, these are different names and not 'aliases. ' They have not yet removed the other aliases they've added : XXXX XXXX, XXXX XXXX. 

I was not able to dispute some absurd, incorrect spellings of my names and wrong addresses on my credit report online through XXXX, and they say I am required to contact the collection agency to do so. This is despite the fact that the names and addresses are clearly not mine. 

IC Systems, per the dispute, 'updated ' the three improper names they placed on my report by simply rendering my correct name instead. But they did not remove the improper address they placed on my report and instead 'Verified it as accurate. ' And at the same time, they proceeded to " verify '' the debt they placed on my credit report associated with that address. 

It makes no sense that IC Systems would 'add ' several aliases to my credit report and 'update ' those, but not correct a wrong address and debt. I have never lived in Texas, nor do I have debts associated there..

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 2023-11-01
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:
XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, MI XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX I did not authorize this please have them removed from 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 2023-03-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Simply put, among many issues ( some of which are reported here ), one of my loans was closed without my content. I had asked for a full refund AND to close the loan. The statement was clearly bound by the 'and ' yet without clarification or another word closed the mortgage. I then had no recourse to collect my money back or continue with the mortgage. They should either refund the full application fee or reopen the mortgage application as my intent was not to close it without the refund, hence the and statement. Thank you for understanding. 

Loan Number : XXXX Complaint against : XXXX XXXX | XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  | Chase | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX | Office : XXXX | XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX | XXXX | Office : XXXX If the chase team wants to reach me can call me on my recorded line or leave me a VM. After many unethical actions by this chase executive office team, i am no longer able to take their calls on non-recorded lines. When they get my VM, they state they are still researching yet when called back from a non-recorded line they miraculaly make up facts and close the case at their convenience. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America is illegally withholding my funds from my account they placed a 48 hour hold on the account XX/XX/23 and stated that it will be off XX/XX/23 when called on XX/XX/23 they told me there is no certain time and I just have to keep calling to see when it has been lifted and they dont have the number to the back office they have to just email and wait. Im have to pay my bills Im loosing my car and they are preventing me from paying off the car so it can be in good standard by freezing and withholding my funds.

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 monetary relief
Consumer complaint received 2017-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This account has been removed from my report between XXXX but was reported in XXXX of 2016 by the creditor. My complaint towards Transunion and XXXX XXXX is that they have reported an account that was removed completely from my credit report. My understanding is that once something is removed, which the team at XXXX XXXX XXXX has accomplished, it can not be reported again. Perhaps my understanding of the rules that govern these affairs is too literal, but I do not feel that their reporting is accurate or allowable as they report the account as newly charged off monthly with continued late payments long after the vehicle was sold at auction and the account was charged off.

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 2022-01-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX I found out someone opened a online checking and savings account in my name through Wells Fargo..I immediately contacted them..went through the whole fraud process and was told the accounts were frozen then ultimately closed.. But today XX/XX/XXXX I receive a text alert from Wells Fargo that my card with them is frozen due to suspicious activity and to click the link to resolve the problem..I do not have a account with them..so either they never closed the account i initially reported like they claimed or they allowed someone else to open yet another online account in my name not even a couple months after going through their fraud procedure..I called today but its a holiday and was told to call back monday..i am beyond sick and tired of Wells Fargo!! I have never done business with this Bank besides having my identity stolen through them..my name is a very unusual name which is even more concerning..please help me..they are just allowing this to happen!!

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 2018-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX -- TransUnion and XXXX still shows I have a debt with XXXX XXXX for {$150.00}. 

This account has been off in FULL. I have numerous documentation and XXXX XXXX itself will agreed account has been closed and paid off. 

I disputed directly with TransUnion and they refuse to fix it on their report. Same with XXXX. I have contacted XXXX XXXX numerous times and was told it takes time but it has been already over 30 days. My credit score is taking a hit of incorrect reporting! 

Account ending in XXXX has a XXXX balance.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 sent a dispute regarding child support that is showing on my credit report that I do not know and they replied back saying that the account has been verified and has not provided any proof. I would like the full forensic audit you did to verify that this is my 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 explanation
Consumer complaint received 2023-01-04
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 fraud alerts or security freezes

Complaint:
I need enforcement because all the investigations is done Ive done all of it now I need enforcement of my 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 2022-11-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct my accounts right away. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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