BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Dear Consumer Financial Protection Bureau ( CFPB ) and TransUnion, I hope this message finds you well. I am writing to bring a serious matter to your attention regarding my credit report and the actions of TransUnion. 

Recently, I discovered that TransUnion has placed a block on my ability to access my credit report simply due to an ongoing investigation. While I appreciate the need for thorough investigations, this denial of access is causing significant distress. Notably, TransUnion continues to report items on my credit and grants access to third parties, while I, the rightful owner of the credit profile, am being denied access. 

I find this situation concerning and, in my experience, unprecedented. I have disputed items on my credit report multiple times in the past, and at no point was I denied access during those disputes. The selective denial of access now, especially considering that TransUnion is still reporting on my credit, raises suspicions of retaliation. 

I urge you to intervene and rectify this situation immediately. Denying me access to my credit report while simultaneously allowing reporting and inquiries by others is not only unjust but also may violate consumer rights. If this matter is not promptly addressed, I may be compelled to take legal action to protect my rights and seek a resolution to this issue. 

I appreciate your prompt attention to this matter and look forward to a swift resolution.

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 2021-05-04
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:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: ORG GC GP Buyer, LLC
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
the keep spoofing their phone number so I will get three calls back to back to back from GC services from different numbers, I asked them to stop calling me from different numbers and so frequently ... I would actually like to satisfy my debt but the aggressive way they reach out to me has deterred me from communicating with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. 2. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.

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 2023-09-01
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
EdFinancial is my new student loan servicer. They have not provided account access. I have no access to my federal student loan information and am unable to make a payment before interest resumes on my loan. I was able to reach a representative after a lengthy wait ( 2 hrs ) on the phone. They assured me account access will be provided by XX/XX/XXXX. I have still not received any access to my account. This company is engaging in shady practices denying consumers access to their own financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Capital Accounts has forwarded a bill to me XX/XX/2021 attempting to collect a debt from me that I do not owe. In the letter they use threatening language stating it was a demand for payment and failure to respond within 30 days that Capital Accounts would report the debt to Credit Reporting Agencys. I responded XX/XX/2021 Certified mail asking them to Cease and Desist, and for proof verifying such debt I allegedly owed ; and they have not done that. Ive sent three other documents for request and for damages and still no compliance. Capital Accounts has sent a bill to my dwelling and has made my phone ring without my prior consent ; and has now reported false information to my credit report, ignoring my request to Cease and Desist. Capital Accounts are in Violation of False Claims Act as they have not provided verification of such claim against me but yet have taken it upon themselves to still report false information to my credit report. Capital Accounts has used abusive and unfair debt collection practices in Violation of Consumer Law. I conclude that I have never done business with Capital Accounts, and I have no connections to Capital Accounts. I dont know who they are ; why they have reported false information 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 explanation
Consumer complaint received 2020-12-15
Company: Tesani Management Inc
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found out about it in the mail this weekend from my employer. My check was garnished the next day. If I had known it was going to court I would have showed up. Now there is a judgement and they took out money right before XXXX. I should have been served. They should have given me options. I was in the hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Navient Solutions, LLC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
last year i attempted to correct this matter with you. the new law states that all veterans of my status were to have student loans forgiven and history deleted. navient and the us dept of education has XXXX out the balance but it still has account history as negative or delinquent. showing a delinquent status does not delete my history of negative payments as law instructs for 100percent XXXX and XXXX  XXXX veterans like myself

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone used my identity and credit and made me in debt I just now wanted to get into my credit and discovered that someone was using and abusing my credit. They put my year as XXXX I was born in XXXX recent amount of money was written off {$1000.00} past due as of XX/XX/XXXX And the XXXX XXXX thats connected to my Experian credit is not my card. They been doing since XXXX it looks like and I didnt even know until 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 2022-12-30
Company: Experian Information Solutions Inc.
State: TN
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:
The name " XXXX XXXX '' is appearing on my credit report. This is not me and never has been me. I have never went by this name and it is associated with identity theft and 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 non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: PA
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:
online information ser account # XXXX this is not my account. I have never signed any agreement or obtained and debt with this company. Please make this company verify a copy of any detailed written and signed agreement or information holding me responsible for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2022, in XXXX, XXXX XXXX court in a divorce issue, the house and loan was my ex-wife responsibility. Court Documents were sent to all 3 credit agencies numerous times along with them being sent to Chase Bank in that I was no longer financial responsible nor own the home. They have refused to remove it from my credit report, tell me they don't have to remove it or take it out of my name after all documents have been signed three times. Last year I reported identity thief, and my credit is locked and now another credit card is on my credit report and getting phone call on that and on the late payment on the house. 
This has stopped me from getting financed for a home and they will not correct their mistake even when i have submitted document numerous times to all three credit agencies and Chase Bank. This has also interfered with me in getting any kind of loan when they don't report the truth on my credit report. I'm requesting your help in correcting these agencies and Chase and the credit card agency on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
When trying to get prequalified for a loan, the mortgage person I was working with told me that there was a charged off loan on my report. I was quire surprised since I pride myself on paying all my debts and having good credit. 

After numerous calls to various representatives at Bank of America, with whom I keep a high outstanding balance in my credit account I was given a statement which showed that I took an ODP advance in XX/XX/XXXX of {$100.00} that was paid off in XX/XX/XXXX. Subsequently there was an ODP advance in XX/XX/XXXX of {$100.00} and another one for {$200.00} on XX/XX/XXXX ; The statement shows a regular payment on XX/XX/XXXX of {$75.00} and then the balance was charge off in XX/XX/XXXX for {$230.00}. 

Since I did not remember taking out the ODP loan or the overdrafts, I asked for the legal obligation which showed that I took out the loan. After five or six transfers, the representative said that I should file a credit dispute. Since it has been at least 45 days since this request was made, I am forwarding this complaint to you for your assistance. During my most recent call Bank America gave me a reference number of 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 2021-08-15
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am involved in disputing a fraudulent unemployment claim that was filed under my name, and I had received a letter in the mail stating a checking/debit card was opened in my name, when I contacted the company they said this account that was opened was possibly something to do with the fraud unemployment claim. The company XXXX sent me a ID theft affidavit that I am in the process of filling out for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2018, I received a denial from XXXX XXXX Credit based on disapproval from EQUIFAX, reference # XXXX. I requested information substantiating said denial with my letter to EQUIFAX on XX/XX/2018 after two unsuccessfull online requests. Received last letter from EQUIFAX on XX/XX/2018 requesting documentary submission of a whole slew of personal information for their verification before I could have my credit report. Obviously EQUIFAX already has all my information in order for them to deny my credit application in the first place. So why the need for this unnecessary back and forth for more paper, when all that has to be done is provide me my credit score, its basis, and reasons on which they determined my XXXX XXXX credit denial? Isn't this the simple solution?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: JPMORGAN CHASE & CO.
State: CA
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 needed a co signer to purchase a vehicle at XXXX XXXX in XXXX XXXX. I was approved on paper that we had both signed, then days later said I was denied. The dealership ran my credit and my co signers credit without our approval in desperate attempt to get a bank to approve the loan. I had told them if these aren't the rates or the bank doesn't approve do NOT keep trying. I didn't want to ruin my score more than it did as well as the co signer. After not being approved I told them I would return the car and pick up my trade in that they tried to rip me off on. The manager XXXX came at me very rudely and pushy in attempt to sell me a different car. He tried scaring me that my car was going to break down and it would leave me stranded, ( when my vehicle passed all of the safety tests or whatever they check when you trade in a car. It took 3 weeks to receive my refund on my down-payment which was very frustrating, on top of them issuing the check to the co signer when I was the one to purchase the vehicle. They damaged my subwoofer/Amp when they removed it from my vehicle. The general manager wasn't any better he answered the phone unprofessionally by saying who's this? Then offered a free tank of gas for all of the trouble when that doesn't fix any issues. I live 1.5 hours away for that tank of gas by the way. I cant believe the disrespect of this dealership to talk to a female shopping for a vehicle and causing so much damage to 2 people 's credit score out of desperation to sell a vehicle. He talked to me like I couldn't afford a vehicle and that my car was pretty much garbage when they were going to make XXXX on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A COMPLAINT TO THEM AND TO THE XXXX AND TO CFPB AND THEY SAID THEY WOULD CORRECT THE PROBLEM AND DELETE ALL THE INQUIRYS. IT HAS NOT BEEN DONE TILL THIS DAY. TRANSUNION ALSO SENT A LETTER WITH THE WRONG NAME ON IT. 
I WOULD LIKE ALL THESE FALSE INQUIRYS DELETED INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED. 
XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Union XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX Bank

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 2023-06-28
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank fails to remediate payment credit allocation issue with funds going to the incorrect accounts creating late payments and other logistic problems. One of my complaints is the website that will not accept payment from business accounts which is a problem for me accountingwise. This forces me to look at their website for th changes every month to be sure that I am current. I tried to remediate three times at a minimum over the last 4 months with their customer service. The reps were professional and assitive. However, when routed to a manager whom I spoke on the XXXX of XXXX. She was XXXX.and XXXX  from the start. When I tried to explain the problem, she continuous interrupted me while speaking crypticaly about what this remediation process was not conducted in the same dept and that I had run out of time to remediate ( 90 days ) and that Flagstar will not redistribute funds to their proper location even after paying differences in payments to correct the books. Flagstar failed to remediate my issue and the manager was provacative to the point of my losing my temper. I am a veteran business owner who feels discriminated by Flagstar as they have put up several procedural obstructive barriers to resolve problem or even contact them. The phone system asks for a full social secutiry number to be punched and my result was to be kicked out of their phone system. I finally reached Flagstar CS through a very frustrating gauntlet of redirection. They are not small business friendly and has put up barriers to service in particular to deal with businesses like mine. I have to do MORE work than a regular consumer by their design. Flagstar was not my first mortgagor for these five accounts and previous mortgagors were small business friendly and CS oriented. I hope there not a great many Flagstar customers have had my customer experince. It truly sucked. It is my hope that they sell my notes to another bank to service these loans. I will take the gamble of whether another mortgagor will service my accounts will be better.

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 2022-06-09
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an amazon store card through synchrony bank and I was informed that I owed a outstanding amount plus an increased delinquent fee. Thing is, I had been informed by Synchrony bank that my balance was ok ( i got e mails ) I paid on the first, second and third of XXXX about XXXX, XXXX and XXXX something ( each date corresponds with the amount i just mentioned. I called synchrony bank ( today XX/XX/2022 ) and they said that my bank didn't pay, except I have evidence that I have paid ( in my banks financial statements ). I also have emails from synchrony bank saying my amount posted. I am writing up a complaint to fax to the company and I plan on providing more information to the CFPB.

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