BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2021-05-28
Company: EQUIFAX, 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:
FCRA Section 609 clearly states that you are required by the law to send me the proof that this account is belong to me. I am requesting you to send to me the full documentation bearing my signature immediately upon receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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: 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:
on XXXX i mailed a letter to transunion about some collections accounts that i have no knowledge of and requested a investigation. It has been a little over a month now and have yet to get any knowledge or information about my request.

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX XXXX, I was under the impression that I entered into a consumer credit transaction when I provided these persons my information. I go to check my report and see that I have been taken advantage of blindly. I reached out to this person to let them know that they violated my right under the fair credit reporting act 15 usc 1681 ( a )

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 2018-10-26
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today I received a letter from XXXX XXXX XXXX saying credit that on XX/XX/2018 Your XXXX XXXX XXXX XXXX  was sold to XXXX XXXX XXXX. And the account has been transferred to pre-legal department and they are considering forwarding the account to attorney for possible litigation. This people are threatening me and violating my rights. Since I did not sign any contract with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is 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 2019-11-25
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/19 my auto loan company consumer portfolio services disclose my account info to mrs.XXXX   XXXX the info given out was my loan balance, past due amount, account status and express my account has been reviewed for repo. mrs.XXXX  has never been authorized to talk to on my account at all and also i have been receiving 6 to 8 calls per day on my and my personal reference XXXX XXXX had been contacted more than once per my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
As of XX/XX/2018, XXXX XXXX is reporting a currently open account that payments are being made on ( not late, current as of XX/XX/XXXX ) as a chargeoff and showing it was charged off for $ XXXX. They also show for the past year that the account has been in charge off status under the monthly payment record, which is also incorrect. They are also showing that 0 payments have been made on the account and that the most recent payment is XXXX, which is untrue. I have attached the payment history as well as the current account status. I contacted customer service whom gave me a mailing address and said that the credit reporting department doesnt have a telephone number. I also filed a complaint with the credit bureaus and they wont update the information either. The account is current and XXXX XXXX refuses to update the account status to the credit bureaus while still receiving payments from me. I have not received a response from XXXX XXXX and am mailing a certified letter to the PO Box on XX/XX/2018.

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 2018-05-04
Company: Arcadia Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: U.S. BANCORP
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I did a 0 % balance transfer on a Community Bank credit card in XX/XX/XXXX. The zero interest was supposed to be for 24 months-or until XX/XX/XXXX. I continue to make a few monthly purchases with this card and notice I have been charged interest over the last few months. My last statement I had purchaes in the amount of {$850.00} and I made a payment in the amount of {$1500.00} but was still assessed an interest fee of {$10.00}. I am paying almost double the amount of the purchases each month but still being assessed an interest fee. I called the company today and was told that even though I am paying over, the overage is going to my zero percent balance transfer, and I am being charged interest on my purchases. This is very misleading. I feel that this is an unfair and deceptive practice. Any reasonable person would assume if she is paying more than the purchase amount, she would not be charged interest on the purchases. I was told by the representative today that I would be better off not using the card for purchases. She told me to refer back to my balance transfer agreement ( which is in very fine print ).

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 2022-07-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I attempted to resolve this with the agency and was advised to do what I need to do. 

They posted this account all XXXX with the incorrect date which even if corrected is still in violation of the FCRA as it impacted a credit decision. The XXXX are also in violation of FCRA for recklessly reporting this account. 

The agency is attempting to re-age a debt that if in fact is mine is nearly ( 6 ) six years old. 

My initial request was to just have them remove this from the XXXX without seeking damages. I am now requesting that XXXX remove these accounts from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been trying without success for months to get Navient to work with me ony student loan. I went into a payment agreement which I informed the representative, I really could not afford because of the amount they were requiring me to pay. The representative stated their was nothing else she could do, even after speaking to a manager. It's like they want to see you fail at making payments to them. The representative then made me be signed up for debits to automatically be taken out of my account. As I informed them and suspected would happen, one payment was returned and they stated the whole agreement was null and void. They still would take money from my  account per the agreement but it will show negative on my credit report. How do they expect people to get better jobs if they keep making negative hits on reports and don't work with the borrowers income? The loan is XXXX due and I have XXXX dollars being taken out of my account every two weeks. Which is a struggle, the loan number is XXXX XXXX XXXX XXXX. The loan was for the University of XXXX XXXX in XX/XX/2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
i sent Transunion a letter XX/XX/21 to speak to them about some personal information that needed to be corrected and removed. I have yet to receive a response from the agency and I feel as if they are ignoring my request.

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 2023-05-10
Company: Block, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Cashapp stole {$48.00} from my account, when I asked why the money was missing from my account they claimed a technical error occurred between XX/XX/2023 and XX/XX/2023. They said the error caused a payment to a merchant to not successfully go through. When I asked what merchant, date the technical error occurred and for how much the supposed transaction was for and they were unable to provide that information! I asked them to start an investigation because they took my money in error and now they keep asking me to select a transaction to dispute. There is no transaction because cashapp took the money and wont tell me for what merchant, transaction, date and amount of transaction that supposedly didnt get paid due to their technical issues. It also doesnt show a transaction in my activity log but you can see the money is missing because I had just received a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX has been requesting a FULL refund/reimbursement of the Chase Reward Points and Cash ( {$1300.00} or XXXX points ) used to purchase XXXX ticket reservations : Trip ID : XXXX XXXX Confirmation # XXXXXXXX XXXX XXXXXXXX FOR PASSENGERS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 


Under XXXX Flexible XXXX Policy, if a passenger is unable to fly due to contracting XXXX, they must submit proof of being XXXX with XXXX, then XXXX will refund the value of the tickets. On XX/XX/XXXX, we summited formal proof of XXXX results. Still no refund has been made and no acknowledgement of the request has surfaced. We are requesting assistance form the Consumer Financial Bureau to help correct this situation as no other methods have proven effective.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX ACCT # 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. 

15 U.S.C 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 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 2022-04-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022 I applied for a refinancing of my home in person at 5th 3rd bank. On XX/XX/XXXX, I had all documents requested in to the contact person at the bank. Since that date they have requested multiple documents including sending me to the local county recorder to record documents costing almost {$60.00}. My complaint is less about paying this fee but more about still no closing date. Through the attorney general office complaint I sent, I was contacted by this companies " presidents office '' to try to find out what is holding up closing. That was XXXX weeks ago. Today is XX/XX/2022 and I still have no information as to when closing will be. Since they have not processed this refi timely, they had to request my monthly income for the XXXX time and now are running my credit yet again since the timeframe has passed. No one can tell me why this is taking so long. My credit is excellent. It is not that I don't qualify. I've bought several homes and done several refi 's and never experienced this blatant incompetence. The decision to refi was due to the fact that interest rates would start rising. On XX/XX/2022 I asked that it be locked in. I can't even get an answer from them that it is locked in. Even the presidents office ( XXXX Ohio ) can't seem to move this along. I was promise no longer than 90 days. Per them usually 60days for what they call an " XXXX XXXX ''. Its now 120 days. It seems they are not motivated to do anything. I received multiple mass mailings and emails from this bank advertising a refi special for existing mortgage holders of only {$290.00} in closing costs. The truth in lending form indicates over a XXXX in closing costs. Between the " loan XXXX '' who communicates through email and the brick and mortar representatives, it is becoming clear something is seriously wrong with this companies " retail refi process ''. I can't start over with someone else because the interest rate now would be higher than the one I have now. I feel very abused in this situation. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I need help with a dispute that I submitted on XX/XX/2022 with Transunion, XXXX, and XXXX. I haven't received any response as of yet. I need them to be held responsible for investigating my dispute.

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 2018-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX, they bought a XX/XX/XXXX credit cards for capital one, in XX/XX/XXXX, XXXX XXXX XXXX report the credit company that I open a accounted with back in XX/XX/XXXX and they report that i have owned the account that shouldn't have in credit report I have contacted and they said they sue for a debt.. the accounted is from XX/XX/XXXX.. not XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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 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 2023-05-10
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: Problem with personal statement of dispute

Complaint:
I reached out to Transunion regarding incorrect information being reported. They asked me to provide proof of the incorrect informtion. I provided that. They responded the inforamtion they reported is verified to be correct. Even tho the address is not correct they still refused stating the source verified the address was correct. So i reached out to the source and asked them to provide me the information transunion paid for and just as I thought the address is not mine. I followed up again with transuion and this time I was told to contact CFPB. 

Attached is the letter i sent DL Prooff of residency SS card Document from source listing the incorrect information Response 's from Transunion for the few times I disputed the 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 non-monetary relief
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: NM
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:
In accordance with the Fair Credit Reporting Act these companies 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reach out to Transunion by phone couldn't get through to the fraud team regarding fraud inquiries on my credit report. There is 21 fraud inquiries that must be removed immediately. I have submitted an FTC report. I will be attaching my driver license for the verification of my identity and also the FTC report as well. These Inquiries have effected me and my family in a negative way and stop me from providing essential things for my family. Thank you, God Bless

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