BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
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: Their investigation did not fix an error on your report

Complaint:
company never investigated disputes

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I mailed disputes to XXXX credit bureaus all on the same day. XXXX has completed my dispute. XXXX and XXXX are in process. I get a letter from Trans Union stating it didnt appear I sent the dispute. Im unsure why. I called and verified my info now they want me to create a new dispute and the agent verified he had a copy of the letter I sent. There would be no reason for me to send an additional dispute I sent a dispute with a copy of drivers license, social security card, and current bill with address. They received letter XX/XX/17 and their time to complete the dispute shouldnt be extended.

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 2023-06-15
Company: EQUIFAX, INC.
State: NV
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:
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 without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I applied for an apartment online with XXXX corners apartment XXXX i used my XXXX  debit card thy charged me {$220.00} in Texas they take their money first for the application and admin fee. i went on about my life and the other apartment i applied for i got so i moved their fast forward XX/XX/2023, somehow, I'm in collections for a debt that was paid up front however i didn't know I was in collections till XX/XX/2023 when I applied for another apartment. they told me that i owed for back rent to Columbia debt collections dba as genesis. i asked them for the information they gave it to me so i called them an told this this was not correct i paid the original owner i had the receipt and my bank statements to prove it. they told me i wrote a check and i owed {$150.00} it bounced and i stated i do not owe and i never wrote a check and i know for a fact they got paid i sent in the recepit and they still say i owe them {$150.00} when i ask how did they get that amount when the original debt i paid upfront was {$220.00} they can't tell me i need this removed from my record as this information is not vaild.they are knowing breaking consumer law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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 XXXX  XXXX : Account # XXXX, XXXX XXXXXXXX : Account # XXXX, DEPT OF EDXXXX : Account # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXXXXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX, XXXX, XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX, XXXX : Account # XXXX, XXXX  XXXX Bankruptcy : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : States 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 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 2023-05-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a XXXX Credit card which converted to a Wells Fargo XXXX. I am up to date on payments. I have received XXXX late charge fees which are not warranted whatsoever.

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 2023-05-01
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
said i would be charged in 48hrs with a XXXX XXXX XXXX on a repoed car 17yrs ago thru citibank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage bought out XX/XX/22. They have screwed up my payment every month by continuing to send the wrong account number. I have talked to at least 4 people giving and re-giving the correct number yet every month it is returned for incorrect account number by my bank. Today the person helping me said they only see one request for account number change, I have made 4-5 on the phone, changed it on the online site and even sent forms through to the mail. I have never had this type of problem before and feel that this could eventually damage my credit or that I am at risk for loan issues in the future. Also I get no timely correspondence and have to just monitor my account for payment confirmation.

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 2017-05-04
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:
Received a recently requested credit report from TransUnion that reflected an error under the  Third Party Supplemental Section ( Public Records ). This section reports a Foreclosure ; hence the dispute. Credit Bureau Reps were unable to assi st with the investigation -- only giving contact information for   XXXX   XXXX     This company could not investigate my dispute. In essence, I was informed that there is NO FORECLOSURE in my credit report that potential lenders view, but the re IS one listed in the Public Records Section that is inaccurate. Pl ease investigate!

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: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2017-05-04
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an account with  XXXX   XXXX   XXXX  Credit Card. When I enrolled last year, the {$990.00} annual fee was waived. On   XXXX   XXXX   XXXX   I was charged a {$990.00} annual fee. I was not given notification that fees would be implemented, and I was under the impression that the fee would be waived as long as I was on  XXXX   XXXX  status.     I called the credit card company today, and they said they no longer waive the annual fee. I feel I should have been notified beforehand so I can financially prep. Being  XXXX   XXXX  military, a {$990.00} annual fee is not affordable.

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 2017-05-04
Company: Experian Information Solutions Inc.
State: CA
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: Problem getting your free annual credit report

Complaint:
On  XXXX  I went through the various screens and specified, first Experian, then  XXXX , but in each case at the last screen where it said it was getting the report it said that I could n't get it online and would need to mail to an address they provided. This is misleading when it was advertised as providing an online 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 2022-12-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Pertaining to complaint id XXXX with Experian the case is still open, and there has not been any response in the CFPB portal within the said XXXX days from Experian since the case was opened which results to a violation.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

AXXXX 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. Or a list of inquiries : 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 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 2023-07-13
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

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 2017-06-19
Company: AES/PHEAA
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:
FedLoan Servicing is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans that FedLoan Servicing is reporting on my credit report. If FedLoan Servicing can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to FedLoan Servicing in regards to this issue but have yet to receive a response.
FedLoan Servicing XXXX XXXX XXXX XXXX, PA XXXX  This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.
<P/>
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, Unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.
<P/>
I demand the following account be properly verified or removed immediately.
<P/>
NameofAccount : Date Reported : ProvidePhysicalProofofVerification : FedLoan Servicing {$46000.00} XXXX XXXX, 2011 Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Information belongs to someone else

Complaint:
This company is reporting to all 3 credit bureaus that I have an account with them. I have never opened an account with them, I have called, email and disputed with all 3 credit agencies and XXXXXXXX XXXX still claims that is mine. I show Iam a co owner with a person by the name of XXXX XXXX. This account was opened XX/XX/2022. I DO NOT know this person, I do not co own this account. I also see an address on my report that I do not recognize and maybe belongs to this person and account. XXXX XXXX XXXX XXXX MA XXXX. Ive never lived outside Florida nor know anyone at this address. Please look in to this.

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 2023-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday, XXXX XXXX around XXXX I made a cash deposit of {$4000.00}. The machine spit back some of my cash which I retrieved however the remaining balance of {$3000.00} was spit out but once I went to grab it snatched the money back into the machine without applying to my account. I need my funds back immediately! There was another gentleman who approached me and said he just had issues with the same ATM machine and called the bank. He handed me the slip with the phone number to call. Since there were so many people lining up behind me I left and called the bank to advise of the issue and was told the claim was filed. Now it is days later and I do not have credit nor access to my {$3000.00}. I am livid! I have banked with BOA for years! Help me retrieve my funds. I do not have money to give away freely. How difficult is it to determine as my card was still in the machine when it sucked up my money. I called Friday to ask a branch manager for help. Still nothing and no money.

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 monetary relief
Consumer complaint received 2019-09-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 I went and looked for a wedding dress. They kept the wedding dress in their hands. We paid and literally less then 24 hours. My wedding plan changed and i will not have a wedding. I called and tried to talk to them They WILL NOT refund us our money. {$370.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
It has been more than 60 days since I have mailed off a dispute regarding some accounts that are on my consumer reports and I have yet to receive a response from these companies which makes me wonder if they are even doing their job as described by the law. In my dispute is gave these agencies instructions to opt me out of reporting the following nonpublic information from my consumer reports. The accounts are ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Pursuant to 15 U.S. Code 6802 I am revoking any and all authorization I may have given you regarding the reporting of these accounts. This pertains to my right to privacy as a federally protected consumer and I am requesting that this information gets removed immediately as I do not want it there.

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 2023-05-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 1515 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 5 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