BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have an address update which is XXXXXXXX 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 2023-09-15
Company: Experian Information Solutions 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 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 2023-01-03
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$0.00}.

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 2021-10-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
pursuant to 15 usc 1632 ( a ) Information clearly and conspicuously disclosed ; annual percentage rate and finance charge ; order of disclosures and use of different terminology Information required by this subchapter SHALL BE DISCLOSED CLEARLY AND CONSPICUOUSLY, in accordance with regulations of the Bureau. The terms annual percentage rate and finance charge shall be disclosed more conspicuously than other terms, data, or information provided in connection with a transaction, except information relating to the identify of the creditor. 
I have provided the united states code that governs my right to know what the finance charge is clearly and conspicuously, I am demanding you provide me with that amount here to use as proof.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: NJ
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, while placing an order at Amazon, I was offered a {$50.00} gift card if I applied for the Amazon Reward Visa Card, offered by Chase. This was an instant application which asked for almost no information.I was immediately turned down for the card with no explanation and told that I would not receive information for 30 days. Attempts to find out why through both Chase and Amazon have gotten nowhere. There is no way to appeal or provide additional information to get this overturned. 

I am self-employed and have sufficient average income. I have always had excellent credit, never missed a payment on anything, no derogatory remarks, and usually have a score in the XXXX. My score with both credit bureaus was XXXX at the time, primarily due to higher balances on my credit cards while income has been low while starting a business and slowed business due to the pandemic. I am currently making payments of far more than the minimum to catch up. My home mortgage was modified several years ago because I had been forced into a high interest, balloon double mortgage by a XXXX XXXX scam, but this again should not be a reason to deny a consumer credit card. 

I can see no reason due to credit, payment history, or source of income that I would be denied this card. In fact, XXXX had just doubled my XXXX XXXX XXXX account limits when I needed an emergency car repair. 

The only other sources of confusion may be that I have credit card bills going to both my legal address and a friend 's address where I am staying during the pandemic because mail at my home is often lost or stolen. But again, this is not a valid reason to deny credit. 

The only other potential reason an instant credit check may cause issues is that I do have an extra check on my credit due to an identity theft issue with my ex husband over 20 years ago. But this should lead to the company asking me for additional information or taking more time to process the application, not turning me down with no explanation. 

I would like to know why this application was denied within a week and be given a way to provide whatever additional information that would lead to granting the card. I really don't need another credit card, but through this denial I am being denied perks available to others on Amazon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/ I tried to make a ATM deposit. I tapped the machine with my card and then entered my pin. I touched deposit button and a screen said deposits weren't available at that ATM at that moment. I didn't make a withdrawal or take any money from the ATM. The next day I noticed my account had a withdrawal of {$200.00} from that ATM and I have only one card and it is on my possession at all times. I filed a transaction dispute with Wells Fargo and they denied it becuz they said there were no signs of fraud. Since it was my card and a pin number was used. They told me that was the only information they used to determine their outcome. I told them I did not do it and it was either an ATM error or someone else used the ATM after me. I pleaded them to use the ATM video for their " investigation '' they flat out refused and said the case was closed and there is no further action can be taken. All I wanted was for them to check the ATM video and they could easily see I did not withdrawal anything. I have since filed a police report in hopes of obtaining that video becuz that is the only evidence that exist. I really don't want to take this to court but at this point I'm so mad I will.

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 2023-02-28
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I accordance of the Fair Credit Act this creditor, XXXX XXXX Bank XXXX XXXX XXXX Account # XXXX has violated my rights under 15 USC section 602, states I have the rights to privacy. 15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX ( 2020 ), I opened a Chase Freedom Unlimited credit card. I was receiving bills in the mail paying my card in full. On XX/XX/XXXX my bill was {$2700.00}, so I send in a payment for {$3000.00} leaving a credit of {$230.00} on the account. After this date, I never received another bill from Chase so I assumed the account was paid in full. 

From XX/XX/XXXX2020 until XX/XX/XXXX2020 I never received a bill or notification from Chase to alert me that there was a balance due. They charged me late fees every month : {$28.00} ( XX/XX/XXXX20 ) and {$39.00} XXXX XXXX/XXXX/20, XXXX/XXXX/20, XXXX/XXXX/20, XX/XX/XXXX20 ). At the end of XXXX the bank finally reached out to me by phone so I went to my local branch to see what was happening. 

I was told that they were sending notices to the e-mail they had on file, but I had not used that e-mail since XXXX. They claim that I changed to paperless billing in XXXX, but I never did that. I also never received anything in the mail confirming that I changed to paperless billing. At the end of XXXX they cancelled the credit card, and took away my rewards balance which now totaled {$290.00}. The bank claimed that their internal collections department sent me letters on XXXX, XXXX, and XXXX which I also never received. 

Not only did I lose {$290.00} in rewards, and was charged late fees, but my credit score also went from XXXX  down to XXXX  because of this error. I am hoping that you can assist me in getting my credit score repaired and get my money back from the bank. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
I file several disputes over the years and nothing has been done. XXXX, XXXX and Experian are all reporting inaccurate and incorrect damaging information on my credit reports. I have yet to be successful with them properly and 100 percent accurately reporting! Ive asked for deletion, validation, verification and proof of numerous accounts amongst the XXXX in writing. Even reached out to the creditors reporting this information advising them of their errors and violations with no results either. They are violating my FCRA rights and I want to advance my rights to monetary claims from the law breakers. Please help me with this. 

I have proof of a collections that was clearly paid but they are reporting inaccurate dates of payment and the creditor XXXX XXXX XXXX XXXX XXXX XXXX that sold this to XXXX is reporting it is included in a bankruptcy. Which is not true because it has been paid. I have they it was PAID. The reporting paid date on my other XXXX credit reports said it was last paid on XX/XX/2021 but it was paid on XXXXThey both have XXXX reporting each on all XXXX credit files and are inaccurate and damaging to me and my livelihood. Ive tried all I can to resolve this over 2 years 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 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've been trying to ascertain a copy of my credit report but I cant get pass the authentication process. I've called and spoke with someone over the phone and she and I went through the authentication process together, but none of these questions pertained to me. On XX/XX/XXXX I sent a certified letter to the company ( TransUnion ) stating and verifying my correct information. According to the US Postal Service the letter was delivered and signed for XX/XX/XXXX at XXXX XXXX. I called Transunion and spoke with someone on XX/XX/2020 at approximately XXXX XXXX  CST and was told they never received such a letter from the postal service. I'm being denied credit because of my Transunion report and I need to see why. 
I am attaching the letter that I sent to Transunion and also a photo copy of the recept I received from the postal service when it was delivered

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 2023-08-21
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:
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: State Collection Service, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 at XXXX XXXX  and XXXX XXXX, respectively, I received 2 back-to-back calls from phone number XXXX stating the following " We have a message from State Collection Service ; this is a call from a debt collector please call XXXX '' ( and the second voice mail left the exact same message, but with phone number XXXX ). 
Upon researching State Collection Service, I discovered they are located in XXXX, WI -- an area code of XXXX, NOT XXXX ( which is norther MN area code ). I also read their MANY customer reviews, 95 % of which accused State Collection Service of being fraudulent and/or collecting debts in illegal manners that do not comply with standard debt collection practices ( over charging their credit cards, threatening them, using vulgar language, reporting non-payment to the credit bureaus even when they paid, etc. ) I have ZERO debt, as I pay my bills using automatic payments to my credit card ( and then pay that down to XXXX multiple times each month ). Things like my mortgage are ALWAYS paid on time, and my auto loan is so new that I do not even owe my first payment on it yet. 

I had ONE case where a medical bill of {$25.00} was sent to collections ; however my paid-in-full check for {$25.00} was in the mail at the same time that XXXX sent that past-due bill to collections, and this was after their representative told me NOT to pay it as my assistance application was being reviewed ( to which I have still not heard back regarding that status, hence why I just paid the {$25.00} off in full. ) -- ALL of this was explained to the debt collector who called me. That issue was no more, as XXXX received my payment, and all debts were settled. 
I have recently ( and by recently, I mean yesterday ) looked to see if I had an ( y ) outstanding bill ( s ) with XXXX as I have been going in for numerous appointments as of late to diagnose potential XXXX. My running balance as of XX/XX/2021 is {$0.00}. 

Due to the fact that my ONE collections experience was a total mishap, my recent balance due being {$0.00}, all bills paid up in full amounts owed for the period, and the fact that I manage my finances EXCEPTIONALLY well, I do believe that this attempt to collect a debt ( that I obviously do not owe ) is FRUAD, and I would expect that this report be taken seriously so that someone in a less-managed position than I am in can avoid being taken advantage of by these criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Guild Mortgage Company never paid any of my property taxes from Escrow during the duration my loan was active due to an incorrect documented Parcel Number. We've just figured out the issue once we paid off and closed the mortgage account. The delinquent Tax Bill is {$8200.00} from XX/XX/XXXX to XX/XX/XXXX. Plus, in XXXX of XXXX, Guild Mortgage was responsible for the 1st Installment of XXXX Taxes for my property. At that time my loan was still open and my XXXX account was active and Tax payment was supposed to be sent to the county. It wasn't sent apparently. The total amount now due is {$13000.00}, because of Guild 's error, we are in the risk of having another Delinquent and losing our home if the payment is not paid. Talking to Guild agents on phone was a pain, their Customer Service is really slow and un-professional. We are expecting Guild to fix the problem asap, and compensate us accordingly. 

Summary for XXXX XXXX Total Amount Now Due : {$13000.00} Select Installment Delinquent Date Amount Due Status XXXX XXXX XXXX ( Secured Bill ) XXXX XXXX XXXXXX/XX/XXXX {$2500.00} Unpaid. 
Includes XXXX XXXX {$230.00} XXXXXXXX XXXX XXXXXX/XX/XXXX {$2600.00} Unpaid. 
Includes Late Penalty {$240.00} XXXX XXXX XXXXXXXX ( Secured Redemption Bill ) XXXX XXXX XXXXXX/XX/XXXX {$8300.00} Unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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