BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
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:
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2020 Balance - Status Paid, Closed

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 2022-07-11
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: Account information incorrect

Complaint:
XXXX XXXX XXXX show discrepancies between the credit reporting bureaus. XXXX shows 90 day late payments XXXX to XX/XX/XXXX while XXXX does not report a 90 late payment until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a previous complaint in which the company responded as to what they found in comparison as to what is being reported on my CRAs. From the company, XXXX XXXX clearly the company has made some mistakes and inaccurate reporting to the credit agencies. In the response letter submitted it clearly states that the account found was opened in XXXX of XXXX and the opening date reported to the credit agencies states that the acct was opened XX/XX/XXXX, which is it? The company also states that a balance is still owed, if the opening date is inaccurate, then the amount is inaccurate as well. I have not received any documents requested from the company showing accurate records of any account. Please remove inaccurate and/or fraudulent information from my credit reports IMMEDIATELY as this is in clear contradiction of what is being stated and represented on my CRAs. It is also in violation of my FCRA rights and is adversely affecting my life and credit worthiness.

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 2022-11-14
Company: EQUIFAX, INC.
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to XXXXXXXX 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 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I began sending disputes to Trans Union on XX/XX/2023 for my accounts with XXXXXXXX XXXX XXXX XXXX XXXX asking them to remove the late payments from my accounts because I was never late. I received a response back from them on XX/XX/2023 where they stated that the late payments were correct and updated. I then sent another dispute letter on XX/XX/2023, requesting for the information and names etc. of who furnished these findings after sending the dispute letter on XX/XX/2023 I then received a *letter stating that they wouldnt go further with the investigation because they believed it to be a third-party company doing my credit repair. On XX/XX/2023 I sent them a response to the stall letter, letting them know that it is, indeed me repairing my credit, and that they only have 15 days to remove the late payments. Today is XX/XX/2023 and I have yet to receive any response from them on this issue. I will include all correspondence since of them in this complaint the late payments that are included needs to be removed and I need to be compensated for their lack of doing their job.

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 2019-06-02
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was deleted from all 3 of my accounts because of identity theft. I have now been notified by the original creditor, which I did not authorize, that the account has been sold to a collection agency. This is a huge violation an account which does not belong to me, and that can not be verified should not be placed into collection.

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 2017-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I contacted Bank of America upset that they transferred more than enough money from my overdraft account to my checking account to cover an unathorized charge ( I already handled the unathorized charge with the party charging ). I was told the alternative was not to have the overdraft kick in and have all charges rejected. I agreed that was best. Only then did XXXX advise me tha tthere is a {$35.00} charge when they reject a charge. I advised her I did not want that, keep it as it is. Then I recieved a letter in the mail that they had removed the overdraft protection and disconnected the accounts. When I called Bank of America upset this unathorized change was made by their employee they indicated they were unable to reverse what their employee had done as they no longer offer such a service. I advised them her changes to my account were not authorized once I learned of the implicaitons of that alternative and that her behavior was unathorized and therefore illegal. As a result, I intend to close my accounts with Bank of America as I can not trust their 'customer service ' with my accounts.

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 2019-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/2019 XX/XX/2019 XX/XX/2019 TransUnion, has been practicing illegal tactics against me and its effecting my credit report negatively. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a method of verification and they will not provide me with any method of verification Ive asked of them. I have a letter from the the U.S Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. 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 2023-01-23
Company: EQUIFAX, INC.
State: DE
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:
I have reached out to Equifax a few times to request the following information be remove from my credit profile. This information is erroneous and is causing an adverse affect on my profile. This account has been written off as a bad debt by XXXX XXXX per IRS this considers income, income should not be reported on a credit profile. This account has also been reaged which is a direct violation, and by law I have a right to pursue legal action for damages. Please remove the following account below for the above stated reasons : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
CFPB, I received a notice on XX/XX/XXXX from Chase Bank about " Important Changes to Your Account Terms. '' I have been a customer of Chase Bank for 27 years. My current rate is : 8.24 % and its being increased to 13.24 % ; that is 60.67 % increase! I contacted two account reps on XX/XX/XXXX and the increase is due to " aligning all customers with similar accounts to new APR. '' The document says " your APRs are below the lowest APRs we currently offer on similar accounts. '' The account reps said it was NOT because of any problem with me, but its happening to all customers. I asked if they could give me a lower APR and they responded, there was nothing they could do at all ; is this legal??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: McCarthy, Burgess & Wolff, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Greetings, I signed a contract with XXXXXXXX XXXX XXXX inXX/XX/XXXX and again inXX/XX/XXXX. I bought out of my contract on XX/XX/XXXX ( XXXX ) because I had sold the house with the security system in it. I received a debt collection notice notifying me that I owed them XXXX. When I spoke with the Senior collections person above XXXX XXXX ( McCarthy , Burgess & Wolff Collection Agency XXXX Extension XXXX  ) she had said that I was suppose to notify XXXX  in writing of the cancellation of the contract. The person at XXXX  did not disclose this to me at the time of cancellation. I asked if I could get a copy of the recording of the conversation on XX/XX/XXXX with XXXX and the collections person said that I would need a ticket number, of which I do not have.

I was never billed by XXXX  to my new address, so I was completely unaware that this company was continuing to bill me. XXXX  had my new address and they also had my husband 's credit card number, which was also not billed.

When speaking with the senior collections person at McCarthy, Burgess, & Wolff, she stated that in one year and 6 months of working with this company only 2 complaints have been mistakes. When I did not read the contract in full about the cancellation process, that it was " on me ''. Which leads me to believe that this type of predatory collections is rampant and pervasive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute the reporting of bankruptcy information on my credit report. According to my credit report from the credit reporting agencies, it appears that bankruptcy information has been reported by your agency. However, I would like to bring to your attention that bankruptcy courts do not report directly to the consumer reporting agencies, and it is a violation of the Fair Credit Reporting Act ( FCRA ) for such information to be included in my credit report. 

I would like to emphasize the following points : Bankruptcy Court Reporting : Bankruptcy courts do not provide information directly to consumer reporting agencies. The reporting of bankruptcy information is the responsibility of the creditors and collection agencies involved in the bankruptcy proceedings, and it is their duty to accurately report this information to the credit bureaus. 

Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( XXXX, XXXX, Experian, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from an online electronic system known as Pacer. 

Remove this account from my consumer report now!!!

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 2022-05-23
Company: Experian Information Solutions 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:
I have noticed many incorrect personal information and unauthorized items appeared in my 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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Per the FCRA as a Federally Protected Consumer I am now Opting Out of Any and All Authorization I the Consumer may have given said ( CEO 's ) and ( CFO 's ) Written/Unwritten, Verbal and Non-verbal 15 USC 6802-6805 , Privacy Act 1974. 

Amounts listed in uploaded documents.

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 2022-11-24
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:
My identity was used to open a fraudulent account with a credit union named XXXX XXXX XXXX XXXX XXXX XXXX, VA. The balance is {$7500.00} on a credit card I never opened. I have never been to Virginia. I also called them and requested they remove it from my credit report. XXXX, TRANSUNION credit agencies still show this misinformation on my file. This is my second complaint with this credit union to resolve this issue.. I need to resolve this issue immediately because its affecting my credit score.

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 2023-10-30
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls every day from Monday through Saturday. They will not give me any information just saying theyre a debt collection company. I do not have any debt as I have all my credit through XXXX XXXX to keep track of all payments. They will say because Im being unhelpful that they will end the call then hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: CrossCountry Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had to go into a forebearance during XXXX in XXXX of XXXX, I did so on 3months of my mortgage payments. I was then offered a partial claim with a loan modification to get my loan up to date. This process started in XX/XX/XXXX. At this time my new mortgage payment was to be {$940.00}, my original payment was {$1000.00}. I spoke at length with a XXXX, initials XXXX regarding all of my new terms and why my mortgage was a new lower monthly payment. XXXX informed me that when they went to do my partial claim they realized I was also eligible for a modification with a new rate of XXXX bringing my new mortgage payment to the {$940.00}. I then signed my packet, had it notarized and sent it in. I then received the partial claim papers with terms but the modification portion was not upheld. I called and spoke with XXXX who assured me the new lower payment was in fact what I should be paying and that she would investigate this error. Many months and many hours trying to get an answer and this issue rectified and I am still waiting on this explanation. I then got a hold of a XXXX, XXXX XXXX and we spoke hours and shared many emails. XXXX informed me she was escalating this issue and would let me know. It has been over a year at this point and my emails to XXXX have now gone unanswered. I am beyond frustrated and I am seeking not only an answer but I want my modification to be upheld, as I have the letter and signed documents agreeing to the new payment amount. It seems to me that once my partial claim was paid out, Cross Country Mortgage cares less about my modification terms. I have diligently tried to get at least an explanation, XXXX and XXXX have never bothered to supply me with one and have not returned an email since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
{$48000.00} in fraudulent XXXX charges were made out of my Chase checking account and not by me. It started on XX/XX/XXXX and I caught the fraud and immediately reported it to Chase mid XX/XX/XXXX. Chase has already closed my case and does not want to reimburse me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I had a XXXX XXXX added to my credit report in XXXX which led to a decrease in my credit on all the credit reporting bureaus. I recently reached out to the Creditor to confirm an error in reporting, paid the Creditor directly after the resolution and agreeing that they'll send a notice to the collection agency ( XXXX ) to have it removed. The collection agency reached out to the credit reporting bureaus, only XXXX had updated my record and increased my credit scores but Experian and XXXX have both refused to effect a change in my score even after removing the collection item from my record. They stated that a removal of a collection doesn't guarantee an increase in credit score and I'm confused because if the addition of a collection item to my record could lead to a decrease in my Credit Score, shouldn't the removal result in the increase? How is that a fair reporting and justice on my end as a consumer.

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