BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX XXXX XXXX XXXX {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  : {$350.00} ; XXXX XXXX XXXX XXXX XXXX  : {$4600.00} ; XXXX XXXX XXXX XXXX XXXX {$3800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} 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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have recently identified an issue with my credit report that indicates a 30-day late payment from XXXXXXXX XXXX XXXX However, after speaking with a supervisor on the phone at the bank on XX/XX/2023, I was told that XXXXXXXX XXXX only reports 60-day late payments and not 30-day late ones so I don't know how this was even possible. I have always made sure to pay my dues on time and have never been late by 60 days on any of my payments. The supervisor recognized the error from their end and reassured me that this incorrect information should be removed from my credit report. To substantiate this, XXXX will be sending me my statements from XXXX, XXXX, and XXXX of XXXX which will illustrate my prompt payment history. I kindly request that this erroneous information be removed from my credit report and updated accurately at the earliest.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Educators credit union XX/XX/XXXX XXXX XXXX did not authorize this inquiry XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry XXXX XXXX XXXX. XX/XX/XXXX. I did not authorize this inquiry XXXX XXXX XXXX XXXX, XX/XX/XXXX. XX/XX/XXXX XXXX XXXX. I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX, XXXX XXXX XXXX XXXX I did not authorize these inquiries. 
XXXX XXXX, XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX I did not authorize this inquiry XXXX  consumer, XXXX XXXX XX/XX/XXXX XXXX I did not authorize this inquiry. 
XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX did not authorize this inquiry. 

XXXX XXXX XXXX, XX/XX/XXXX, XXXX did not authorize this inquiry.

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 2023-05-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a solicitation from Chase Bank. Under the terms of the solicitation, I would receive 1 ) {$300.00} for opening a checking account, 2 ) {$200.00} for opening a savings account and depositing {$15000.00}, and 3 ) {$400.00} if I completed # 1 and # 2. I completed all terms of the solicitation but Chase only sent me {$300.00}. I called Chase three times and have been unable to resolve this complaint. In addition, I filed a complaint with the Office of the Comptroller of the Currency and they told me to file a complaint with your agency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity

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 2017-08-07
Company: Nelnet, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX Ln # XXXX lists me as " Paid was 90 '' or delinquent 90 days. I was NEVER delinquent. I had applied for deferment. I called them to confirm they had my paperwork. They confirmed it. I called again later and then they stated they could n't find it. I told them to look again and they found it. The paperwork was turned in timely and before the deadline. The account has been transferred and is being reported multiple times. It should be removed due to inaccuracy and duplication. It is impacting my credit and I was denied a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: MS
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:
URGENT :!! Opportunity to Cure NOTICE!! Re complaint ( XXXX ) Experian failed to prove their investigation as valid and complete. PLEASE PROVIDE ME WITH the name, agent number and position of the representative for the vendor who alleges to Verify AND VALIDATE the debt, And to provide everything in writing involving the communications between both parties, including all information of the of the creditor and access code used for that extension of credit! The Credit Reporting Company failed to report fairly and accurately. If they would like to remedy this issues they would need to remove both XXXX XXXX and XXXX from my Consumer Credit Report. Although I provided sufficient proof of the intent to Opt Out to those corporations, sent to ( Vendors ) exhausting the full administrative process. The Accounts were removed from other consumer credit reports like XXXX, etc. Proof of this claim was also submitted in the aforementioned complaint. However they have yet to be removed from Experian 's report. So I Reach out to Experian Personally the " Credit Reporting agency '' to inform them that they are " receiving information under false pretenses '' From XXXX XXXX and XXXX and to remove those accounts because they do not have my consent. In accordance with my Privacy right as emphasized in ( Regulation P ) the right to Opt OUT is not a debate. I reached out to Experian so that they may remove those accounts off the consumer credit report and remain in honor. It was quite shocking to see the reporting agency not fail to provide an adequate search in such an extensive amount of time but to also not remedy the account upon proof of claim. Instead the Corporation seems to be in favoritism of one party. To aid and embed that company in violation of consumer rights may unfortunately result in RICO charges and civil money penalties for Experian and its representatives. If this was caused by a mechanical or Inadvertent error by Experian then please remedy the matter as soon as possible since Experian has already used its 60day chance to cure. I will allow ( 5 ) BUSINESS DAYS FOR THIS TASK TO BE COMPLETE. If this task can not be completed please respond in writing of the reasons as to why Experian refuses to honor my claim. If in the ( 5 ) business days Experian does not respond I will assume that the performance was completed.

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 2023-03-27
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Since XXXX my loan with Navient was supposed to be for a fixed rate of 2 % and a fixed monthly payment. This was after a long struggle with how my payments were at interest only and they listened to past phone calls and determine I never agreed to that. They couldnt reimburse me so that was how it was handled. I noticed recently my payments increasing and realized its back to a variable interest rate. This may have been for a while too. I have called and wrote and they deny my past agreement. I wanted to stop paying, so they also just violated the FDCPA yesterday by calling me for payment on Sunday and left a voicemail XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Commonwealth Financial Systems, Inc.
State: MO
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: Problem with personal statement of dispute

Complaint:
I disputed 2 accounts on my credit report with XXXX XXXX and they were deleted, however it was reinserted on my credit file The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified. the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. 
the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a  ) ( 5 ) ( B ). The accounts in question is as followed **** Account number XXXX Common wealth fin. Account # XXXX XXXX XXXX XXXX.Also XXXX  there is an account that was previously deleted and re added XXXX XXXX  that I would like a certificate of accurancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions 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:
MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX XXXX # XXXX XXXX XXXX  ( ORIGINAL XXXX XXXX XXXX  ) ACCT # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023 Experian XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX FED XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall 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 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My husband and I have had a joint account at Bank of America for several years. He died on XX/XX/2023. According to my attorney, I was told not to touch our accounts until 2 months after his death. On XX/XX/2023 Bank of America removed my husband 's name from our account and cancelled my access to any online banking. That meant that the bank removed all accounts from bill pay and canceled any payments I had scheduled. I have had to pay a late fee on one of these accounts. They also closed my XXXX account. This was done without any communication sent except an email on XX/XX/2023. I immediately called them and set up an online account. It was when I went to pay a pay that I discovered all my bill pay, auto pay and XXXX acounts were removed. I called BOA again to complain. I was told that as my husband had set up the accounts and even though it is a joint account, they had every right to close them. 
I asked exactly how I was to set up these accounts when I had absolutely no record of them and was told that I had a case estate case manager, XXXX XXXX. Why XXXX XXXX who was my case manger never contacted me, I will never know. After speaking with a representative, I was told that BOA did have those accounts, but that I would have to wait 48 hours before they would be restored. 
They were eventually restored, but I have no record of any last payments on these accounts and have had to search through bank statements to make sure bills were paid. I also had to set up a new XXXX account even though I already had one. Today, XX/XX/2023 I discovered that my bills are being paid through my savings account rather than my checking account. When I tried to change this, I was not able to. So once again I am going to have to call Bank of America. 
I will close my accounts with Bank of America as soon as possible. This was an absolutely unnecessary fiasco that could have easily been handled by a call from my supposed estate manager.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: MI
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:
I have not requested this company to access my Experian consumer reports. They have committed identity theft by not getting my permission. 
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 2023-04-18
Company: Experian Information Solutions Inc.
State: SC
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-11-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Companies involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX JP Morgan Chase XXXX I used XXXX with Chase ( bank ) to pay for an order with XXXX XXXX ( merchant ). The merchant baited and switched an item on my order because the item ordered was not what I received. I contacted the merchant and went to the store on XX/XX/21 to return the item after the representative said it was fine. The merchant refused to return the item. There are no clear signs or policies visible that state returns are not accepted. They tried charging me {$10.00} to fix their error. I was willing to exchange for another item. However, that item was not available. We could not reach a resolution and I left the store. 

I contacted Chase and asked for the steps to file a dispute. They provided information like to click on the transactions to file a dispute. However this option did not work for the transaction or tested transactions. I contacted the bank on XX/XX/21 approximately XXXX XXXX - XXXX XXXX. I explained the situation to the representative and they told me unfortunately to contact XXXX. I contacted XXXX after I hung up and XXXX did not assist. I was directed to Chase or as they refer to as financial institution. This time I spoke to a manager who stated that theyre aware that XXXX is not a good company, yet they offer their services to their customers. They offer protection to their customers through debit and credit. However, Chase removed liability when dealing with XXXX who also removes liability. XXXX claims to operate as cash. However, cash is refundable. Banks are also FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: OneMain Finance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Searching for a bank line of credit in XXXX the site referred me over to One Main Financial, after filling out the information I was informed One Main was not a bank and that the numbers quoted were incorrect. I was not aware of what or who they were because they seem to conceal that they are a title loan company, After talking to them and realizing this was not what was advertised I requested that they remove the hard pull being that it was done by misleading me into believing they were an actual bank with credit cards and lines of credit. I was told by them I'd have to file a complaint with the credit bureau. 

I then asked if they actually do title loans for {$9500.00} as that is the amount they claimed to be able to loan or extend and they said no, they only do title loans for {$1500.00}, which again is not what was stated by lending club or them, this was all revealed after the hard pull, so they said one thing and are doing something entirely different. 

When I asked about the {$220.00} a month for {$9500.00}, and 13 % apr, they said no its $ 34 %, the whole thing was designed to lure in people who are not asking the right questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$30000.00}. Also, I want to dispute this XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.

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