BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
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:
/TransUnion agency reports inaccurate information. I have gone back and forth with the agency in writing a letter and submitted a dispute online, which takes longer than thirty days ( XX/XX/XXXX-XX/XX/XXXX ). It takes longer for them to respond by mail. Once I receive the report it is incomplete because they do not provide me with a full report. I have a TransUnion online account that indicates different information online than the actual paper report. They have not removed consumer energy as I have disputed numerous times. It is not my bill and I will continue to dispute. I have sent copies of police reports explaining the identity thief. There were medical bills on my report that has been taken care of. I notified the reporting agency and informed them that the medical bills had been paid and sent in copies of the payment receipts and they still refuse to update the debt. All medical bills were reported during the pandemic except for one of the bills that were reported on XX/XX/2019. It appears that two different reports are sent out to the consumer that shows different information than what is shown to a creditor who requests a copy of your credit report. Which is deceptive. I am asking that this matter be investigated in a timely manner. 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 2020-11-03
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I previously froze my credit report with Equifax on their website ( myequifax.com ). I needed to unfreeze my credit report today. Their website said there was a problem and directed me to call. I called and spoke with a representative. She unfroze my credit but said that I needed to send in a letter and I would get a response in 7-10 business days after they receive my letter. They said they were not " fully able '' to verify my identity, which made me nervous that there was a problem in my credit report. The rep was unwilling to tell me if there was any problems. She kept citing " their policy ''. I finally told her I didn't give a XXXX about their policy, but my policy is if there is a problem on my credit report I need to know. I didn't ask for Equifax to keep a report on me, yet they do. The rep was very unhelpful. On my credit report, for example, I have a mortgage with a company called " XXXX XXXX ''. She asked me a question while trying to verify me regarding who my mortgage company was. I said " XXXX XXXX ''. She then asked me " What does XXXX stand for? ". I don't know. Their website refers to them as XXXX XXXX, as does everything I receive from them. I finally asked for a supervisor. After being on hold for 15-minutes I was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX denied applicant credit without basis, merit, and/or made decisions based on falsely reported credit information, law, or the lack thereof and/or violated policy of the Uniform Comercial Code c/o negotiable instruments and/or credits. 

Note : The applicable credit/debit card no. is listed in this report as account # XXXX TAKE JUDICIAL NOTICE that It is unlawful to be denied credit and/or to discriminate against any applicant as it is causes an adverse action pursuant to : Title 15 USC 1691 providing the scope of prohibition ; Title 15 USC 1681 providing Congressional findings and statement of purpose 12 CFR 1002.4 providing current regulation against discrimination, discouragement, and denials of credit 15 USC 1611 CHAPTER 41 providing for the Criminal liability for willfully and knowingly violating any portions of these codes. 

Applicant demands immediate reconsideration and/or opportunity to create and/or build a credit and/or banking relationship as the willingness and ability to lawfully maintain a commercial relationship is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: MD
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 received a copy of my credit history report from ( CREDIT BUREAU NAME ). That Report contained incorrect information reported by you. 

I contacted the Experian to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : amount owe, date opened/closed, late payments, and so on. 

Account name XXXX  XXXX XXXX Account number XXXX .... 

XXXX  XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX Account number XXXX .... 

I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please immediately remove these information from my credit file. 

Please confirm with me within 20 days that you have contacted the credit bureaus to correct this information.

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 2022-07-25
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:
In accordance with the Fair Credit Reporting Act 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 has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer for reporting agency can not furnish an account without my written instructions.

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 2022-03-30
Company: EQUIFAX, INC.
State: OH
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, 1. XXXX, XXXX XXXX XXXX XXXX XXXX Account Numbers # # # # # XXXX, # # # # # XXXX, # # # # # XXXX and # # # # # XXXX 2. XXXX 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 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX  XXXX XXXX XXXXDispute XXXX AXXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX   # XXXXUnder Dispute XXXX XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXXUnder Dispute all were filed to ftc

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 2022-07-25
Company: Experian Information Solutions Inc.
State: GA
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:
I went to a dealership to purchase a car and told the dealership to only run my credit through them. Come to find out my information was spewed everywhere with a lot of hard inquiries. As well I have accounts without any knowledge and without my permission. 
XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX FL 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. XXXXGeorgia XXXX XXXX XXXX XXXX Georgia 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 non-monetary relief
Consumer complaint received 2018-05-08
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/18 I discovered XXXX XXXX collections account had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

I took care of this almost two years ago. It was deleted from all 3 bureaus. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Ocwen Financial Corporation
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX that I sent a on XX/XX/XXXX to Investigate the Erroneous Account : PHH MORT SVC XXXX Date Opened : XX/XX/XXXX Balance {$470000.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with 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 non-monetary relief
Consumer complaint received 2020-06-19
Company: CURO Intermediate Holdings
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: Their investigation did not fix an error on your report

Complaint:
The Debt Collection Company who is Reporting this to my Credit on Speedy Cash 's Account has ReAged this account which is a violation of the Fair Credit Reporting Act. 

I've disputed this Item with the 3 Credit Bureaus and because I disputed this account they re-aged this which dropped my Credit Score Dramatically. 

I want this Collection Agency Investigated. They are treated this account as a new collection item which it is not. This account is Two Years Old. 

To Begin with this company is charging Unfair Interest Rates that are astronomical which is how i got in this position in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called the mortgage companies, US BANK loan # XXXX {$53000.00} and XXXX XXXX XXXX XXXX XXXX loan # XXXX {$160000.00} and requested all of my signed loan documents as I noticed that in XX/XX/XXXX I requested a pay off amount for a possible refinance I found out that the mortgages amounts are the same or more as to when I first took the loan back in XXXX. Thirteen years of payment and no equity? This doesn't look right to me. 

To today 's date I have only received my loan documents from US BANK but not XXXX  ; I have been asking for a month an half for the loan documents to XXXX and they are unable to provide me with the documents. at this point I am not paying them until I get the documents. 

Please hel me resolve this matter and you can call me at 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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft my personal information has been in data breeches and my wallet was stolen spring of XXXX. I have reached out to XXXX XXXX, Transunion llc, and XXXX. none of which can seem to do the right thing and removing accounts, inquires, addresses and names that are FRAUD ON MY REPORT. I AM SUBMITTING ALL SUPPORTING DOCUMENT HERE AS AN ATTACHMENT. THESE AGENCIES LOVE TO SAY THEY CANT IDENTIFY ME OR THERES AN ERROR PLEASE NOTE I HAVE TRACKING NUMBERS FOR THE DOCUMENTS BEING SENT TO THE AGENCIES THAT TOO WILL BE ATTACHED ; consumer reporting agency shall BLOCK the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( ( 4 ) ) ) business days after the date I WANT THIS REMOVED IMMEDIATELY I AM SUFFERING DAMAGES I CAN NOT GET A MORTGAGE LOAN WITH THIS FRAUD ON MY REPORT. ( ATTACHED IS PROOF OF ADDRESS, MY STATE ID, MY SSN CARD AND FTC REPORT, SO THE CREDIT REPORTING AGENCIES CAN NOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST ) I HAVE MANY NAMES, INQUIRES AND XXXX ACCOUNTS THAT DO NOT BELONG TO ME. NAMES ARE : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. ADDRESSES ARE : XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX NY, XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX NY, INQUIRES ARE : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX FRAUDUANT ACCOUNTS ARE XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/18 I discovered XXXX XXXX collections account had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

I took care of this almost two years ago. It was deleted from all 3 bureaus. This 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 2022-07-25
Company: Experian Information Solutions 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:
Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and the following personal information were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  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 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Helllo, I am hoping you can help with a problem I am having with the credit bureaus. In XXXX I filed disputes with all three bureau and still have not got any response from them. How long does this take to get results back? We are going on 3 months now. Do I have to file a second rounds of disputes and keep doing so until they answer me? 
Having to take time away from my work to even file this complaint out is crazy when they should be doing there jobs.

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 2023-12-18
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have been a victim of a massive identity theft and sent all asked for and required documents to Amazon Chase and they told me I would have a new card with all charges reversed within 4 days and never followed thru. They closed my account

Company response to consumer: Closed with explanation