BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have repeatedly sent request to TransUnion, XXXX and XXXX that the Bankruptcy court does not report to credit bureau 's and that I would like to have it removed from my credit report. I received letters from them stating that they receive information directly from the courts, but upon receiving the information that they send to me, they get information from XXXX a credit reporting agency. I contacted XXXX in regards to this and they have deleted the bankruptcy from my file. I'm providing letter from XXXX to have the bureau 's remove this from my report/file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: NJ
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an HSBC account back in XXXX of XXXX and I was notified by HSBC that my account will be closing. On XXXX of XXXX I went to local branch in XXXX XXXX California they took copies of my identification and told me that they cant help me because accounts were opened online. I called the customer service number and I was told branch can help me. XX/XX/XXXX I was told account is closed and funds have been sent in form of a check. I waited XXXX, XXXX, XXXX, XXXX and now we are in XXXX to this day I have not received anything. On Thursday XX/XX/XXXX I went to XXXX California local branch of hsbc bank asking them about the status of the account and I was told they cant help. Then I called the customer and he assured me that branch can help me. I went to the branch and I was told thats a lie. HSBC has been lying and keeping/holding my funds when they have no grounds to do such thing. The very last person I spoke with the bank he assured me that I will Get the money back however nothing has been received. Here is information for your reference : XXXX  operator ID. XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company call convergent outsourcing, client service, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. They attempted to collect a debt that was originated as a fraudulent account with the XXXX XXXX  XXXX XXXX, a utility company. I informed them in 2019 that this was a fraudulent account and I am not responsible for it. I filed a police report and provided them with the information. However they continued to call me daily, nonstop, sometimes twice a date to collect on the debt. In addition, the utility company itself refused to help. I asked for information on how the account was opened with out my consent, I was told thats non of my business. I find this abaolutely unacceptable both by the debt collection agency as well as the utility company.

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 2021-12-01
Company: MOHELA
State: AL
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 old student loan accounts that should have been cleared with a bankruptcy that had been transferred around by the department of education and are now with Mohela. They had been updated as closed and are now showing that they are reopened again. After I went through the long process of getting them closed with the vendor. This loan for {$12000.00} should have been discharged and shows it was opened : XX/XX/XXXX; showed closed until XXXX XXXX XXXX ; now showing it open but comments still say closed. 

I also have student loans ( more recent ) XXXX or later that have been discharged and even after disputing them with the letter for the department of education, they are still reporting them as opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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: Account status incorrect

Complaint:
Pursuant to the FCRA, it is EXPERIAN 's duty to report correct and accurate information on my credit report and file. However, they are NOT. EXPERIAN is reporting inaccurate late payments for the XXXX  XXXX XXXX account ending in XXXX. These inaccurate late payments includes the reporting of 150 days delinquent on XX/XX/. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A. late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. Furthermore, I did NOT give EXPERIAN written instruction/ permission to furnish the inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EXPERIAN has violated my federally protected consumer right and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.

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 2021-12-01
Company: DISCOVER BANK
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had a discover credit card for almost 5 years, never missed a payment. I enjoy their services so I decided to open a checking account. I did got my card, added funds to my account. Then i get a message saying my account was closed based on business decisions. No solid answers and that my money would get sent by check in 60 days! I have a reputable history with them so I do not understand why they treated me like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was on Forbarrance while home schooling my small child during Covid 19 and was on XXXX. Once schools reopened I took a temp job and told my mortgage company I could resume my monthly mortgage so they took me off the forbarrance. I returned making my payments and was told the lump sum was deffered. 

About 3 months into re-entering the work place while XXXX was still at its peak a co-worker came to my office sick and exposed everyone. Days later I XXXX XXXX XXXX XXXX was sent home to quarrantine. I was not allowed to return to work per state mandate until I was recovered. Unfortunately I missed almost 4 weeks without pay. So XXXX payment was mailed 5 days after the due date. 

I called Roundpoint ( the Servicer ) and explained how ill I was. They told me to send a hardship letter and that things would be ok. A few weeks later Roundpoint sent me a Default letter demanding I pay the forbarrance money back or they would forclose. The total was XXXX. I panicked and call the servicer asking for my options on the late pay. 

They told me to submit another borrowers assistance application so I did. That was in XXXX. In XXXX they sent me a letter saying I was approved for a Flex Modification and more documents were going to be mailed. Days went by and I didnt receive anything so I called to make my payment. The customer service rep told me not to make a payment until they were done with my application? 

4 more weeks go by and I called to make a payment and speak to someone about the status. I got no answers and conflicting information at Roundpoint. As of right now I do not know if they are forclosing on my home or just playing games so that I miss more payments.. I am a single mom and scared. My family has been through so much with XXXX and I am back working making more income than I did when I purchased the home 7 years ago. 
Can someone please help me. I can not loose my home. There must be some kind of mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I received a letter from I.Q. Data International demanding payment for money they claim I owe my previous landlord. I wrote a letter telling them I was disputing the demand and asked for documentation that I owed the money. They sent me page 1 & 7 of the lease. I pointed out that page 1 of the lease proves I do NOT owe the money : Paragraph 2 states that the lease terminated on XXXX XXXX XXXX.

Paragraph 4d states that the landlord has 21 days from the day tenant vacates the property to provide an itemized accounting of money owed to the landlord. I moved out on XX/XX/XXXX and the first contact I had regarding money the landlord claims I owe was the demand from I.Q. Data Intl. from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the 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 non-monetary relief
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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: Account status incorrect

Complaint:
According to the FCRA, it is EXPERIAN 's duty to report CORRECT and ACCURATE information on my credit report and file. However, they are NOT. EXPERIAN is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the report of 150 days delinquent on XX/XX/2018. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/ permission to furnish the inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EXPERIAN has violated my federally protected consumer rights and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.

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 2022-10-13
Company: JPMORGAN CHASE & CO.
State: VA
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:
Chase Bank is using false advertising and manipulating authorized user policy and marketing to limit access to credit. I became privy to this on XX/XX/XXXX when I ( a longtime Chase Bank customer with perfect credit history ) signed up for a Chase Freedom Unlimited card. The application was denied for " signing up for XXXX credit cards in the past 2 years '' -- a falsehood ( I have only signed up for XXXX ). But when investigating this decision, I discovered that Chase Bank is manipulating authorized user policies. 

When signing up for a credit card, Chase Bank offers the option to add an authorized user, sometimes even providing bonuses to people who add an authorized user, so they can expand the liabilities of their customer base. In the fine print, they say this could affect an authorized user 's credit score. However, what they do not say is that authorized user status also LIMITS ACCESS TO CREDIT for the authorized user. This is done through Chase Bank 's XX/XX/XXXX rule, where they have a policy to deny credit card applications if the applicant has " signed up for XXXX credit card accounts in the last XXXX years '' ( direct quote from Chase Bank representatives in their lending approval department ). But in reality, they include " authorized user '' status in the XXXX credit card accounts over 2 years, limiting an applicant 's access to credit without previously mentioning that as a possible consequence of being an authorized user. This is a serious manipulation of consumer trust, because they are clearly trying to limit their liabilities ( refusing to give out new credit cards that provide incentives to customers ), while expanding liabilities for those customers through other, low-cost means ( encouraging the addition of authorized users onto customer accounts ). Moreover, Chase makes it very easy to add an authorized user to any credit card account through a simple, easy-to-access form on the website or app -- however, there is no such process to REMOVE an authorized user. So they are making it easy to increase customer liability, while making it difficult for customers to DECREASE liability for themselves. This needs to be investigated, and Chase Bank needs to be held to account and told to change their manipulative lending and marketing tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX ( " XXXX '' ) placed two inquiries on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries. I do not own any products from 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 2021-10-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Experian Information Solutions Inc.
State: NJ
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:
My address is not correct which might be happened as previous resident who has same last name with me moved out two family house after I moved in my current address. Please help me to correct my current address at all credit report. This incorrect address might be forwarded to many company and they updated my address incorrectly.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ; 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 non-monetary relief