BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
I have tried to remove wrong personal information on my credit file with XXXX and it has not been removed. 

15 USC 1681. I did not give anyone written permission to use my personal information on my behalf

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 2023-10-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  : {$600.00} ; XXXX XXXX XXXX XXXX : {$630.00} ; XXXX XXXX XXXX XXXX XXXX : {$31000.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with a Fair Credit Reporting Act [ CB/NY & CO CB/VICSCRT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states I have right to privacy.

15 USC 1681 section 604A 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 2018-10-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I got a loan for XXXX $ from XXXX XXXX for one year. I paid in full and receive a confirmation letter and payment history from them, because I have to report the lease to the credit bureaus myself. The company will not and does not report to any bureau. I called the bureaus that I have and they can not expect any report of my lease only threw the company. I am stuck please help me put my leasing to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Information belongs to someone else

Complaint:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED GOODS OR SERVICES FROM THESE FRAUDULENT ACCOUNTS AND INQUIRIES

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 2022-07-07
Company: Experian Information Solutions Inc.
State: NJ
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 received a phone call from a credit union that was trying to verify my information for a large loan. She then explained there appeared to be MANY other recent inquiries. All of which were fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have a MasterCard with CapitalOne XX/XX/XXXX they offered me a {$50.00} a month or more payment plan to increase my credit limit from $ XXXX- {$900.00}, I not only made payments on time and more than thee amount I also paid off the card in its entirety along with my Visa card through them, in XX/XX/XXXX I personally requested XXXX increases on both my MasterCard and visa credit card which I was granted my credit limit on my MasterCard went from $ XXXX- {$1500.00} and I was supposed to still receive my increase automatically for capitalone on XXXX/XXXX/16 I did not receive my increase so I called and was told since my bill comes out on the XXXX/XXXX/16 I would get my increase then, I had also called a few weeks prior and spoke with XXXX different people and was ASSURED that I 'd receive my increase because I received a message stating CONGRATS YOUR INCREASE CAME XX/XX/XXXX, the increase that I PERSONALLY REQUESTED so I called them up immediately and explained that they still owed me in increase they said you 're right XXXX XXXX we apologize you will definitely get it on XXXX/XXXX/16 FF to today XX/XX/XXXX I call because I still do n't have my increase I speak with an accounts supervisor who once again tried to pass off my personal request for an increase as part of the plan and then after doing further review she stated on you 're right but you actually wo n't get it until XX/XX/XXXX which is 7 months not 6 months, I am very upset and I am not waiting anymore I want the increase that is owed to me, because of capitalone not giving the increase I have fallen way behind in my bills and struggling every day they have admitted several times by their top people and even in the response that they gave to me that I was told that I would get the increase after reviewing the recorded calls but that it was " False information '', but that they wo n't do anything to rectify the situation and that is just not acceptable I want my increase or I want for them to eradicate my debt from both my master card and visa card, because what they did was falsely advertise I also filed a complaint with the XXXX and it was marked against them negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You are in direct violation of the fair credit reporting act XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2023-05-09
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a violation of 15 U.S. code 1681i ( 5 ) Removal of inaccurate/invalidated credit information. Please remove immediately This {$220.00} debt was already paid to XXXX XXXX and the equipment was retured. I did not receive any letters stating collection alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a NFL visa credit card issued through Comenity Capital Bank. The balance has been paid in full since XX/XX/2022. They have failed to report this payment and continue to report that I am carrying a balance. Their response to my inquiry is they are having system issues that are preventing accurate reporting. This is potentially impacting my credit score. Their lack of progress on fixing an issue that is a required task is negligent and a negative Customer impact. Many other banks can complete without issue. This is a pretty standard process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have requested payoff of alleged debt on multiple occasions. XXXX XXXX and XXXX has ignored each and every request. They need to be sanctioned, cited and reported to the IRS. They have also failed to provide a W9 as requested so that proper tax assessment reporting be made to the IRS. 

And, as for the originating application ( securities ) and Bank of America account, please do note no securities were abandoned and all statements have been reported to the IRS. It is hereby requested securities on the asset ledger be applied against any alleged debt owed. All accounts are to be zeroed out in full with any proceeds remaining sent to the beneficiary : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-02-03
Company: Experian Information Solutions 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:
While talking with Experian on the phone on XXXX XX/XX/XXXX to get the freeze on my credit lifted. They asked me several questions to verify who I am and I provided all of the correct information ( monthly payments for my mortgage, current balance on my credit card, etc. ). They said the information was incorrect and I had to mail or fax my SSN card. 

However, I found out there was a link online with them to lift the freeze and the questions there were more specific. Examples are : Did you have an auto loan in XX/XX/XXXX? If so, which company was it with? 
Do you apply for a mortgage in XX/XX/XXXX? if so, was it with one of these companies? 

They are asking different questions on the phone which are impossible to answer. I asked the reps I spoke to what timeframe they were asking about for the auto loan and they said " at any point in time ''. But that wasn't the case apparently. 

They are making it impossible to lift freezes on your credit and they are conducting illegal activities by holding my personal information hostage. I must also point out, they were never authorized to hold my personal information to begin with. Experian must be dismantled and shut down in the name of customer protection.

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 2020-06-01
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEP ED, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Account status incorrect

Complaint:
Despite several written requests, the following accounts are still reported as 90 days late in 2019 and are in violation of Federal Law. I'd like to point out that Experian and XXXX stated in writing that they verified that these items are being reported correctly? Who verified these accounts? I have attached Case ID XXXX, a detailed report from XXXX showing that the following accounts are not past due and were never 90 days past due : Creditor - XXXX, Last four digits of account numbers- # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX. Please update all of my Student Loan Accounts and remove the late payments.

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 2023-07-12
Company: Rocket Mortgage, LLC
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
False advertised bait and switch, farming for leads I believe is the deal. when I applied they denied due to credit score not qualifying Though they say I can be approved for a mortgage with a XXXX for a VA loan when you apply they deny it if under a XXXX score. Refused to review w underwriter as all my debts are clear less than 10 % XXXX and no current mortagage and 100 % equity in another home. Not one underwriter reviewed my application fairly nor did they follow their own advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: SYNCHRONY FINANCIAL
State: MA
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 had a fraudulent account on all 3 of my credit reports. I filed a dispute and both XXXX & XXXX  removed the derogatory account from my credit file. XXXX did nothing at first. I have submitted at least 5 to 7 XXXX online disputes and one through a phone call and they still refuse to remove the fraudulent account. I made contact with the company that is listed as the account that I supposedly owe and they checked and have NO history of me EVER having an account with them. I again submitted a dispute with XXXX with this information and after a " re-investigation '' the dispute was closed with the fraudulent account still on my credit report. 
XXXX refuses to remove this account and I can not get a loan to purchase a home because of this. The account that is listed as a delinquent account is GE Capital Retail Bank, the same bank the your agency has sued and held liable for {$34.00} XXXX for these same accounts that has been on my account since 2013. XXXX is not doing their due diligence in an appropriate investigation because if they did, they would get the same information that I did from Synchrony Bank ( formerly named GE Capital Retail Bank ) and that is ; that I never had an account with their bank.

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 2023-05-09
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 there was an unauthorized wire transfer of {$14000.00} out of my checking account. It was sent to XXXX XXXX XXXX out of North Dakota. On XX/XX/XXXX, I noticed not only that wire transfer, but XXXX transfer from my savings account to my checking account. XXXX for {$6500.00}, and another for {$7500.00}. And yet another wife transfer of {$14000.00} being processed. I called Chase immediately they instructed me on how to attempt to stop the wire. They opened up a secondary checking and savings account and moved the little remaining balances I had. So now, in 2 days I have a total of {$28000.00} missing out of my accounts. Chase told me theyd attempt to reach the receiving bank to have the wire transfers reversed. They then told me to wait XXXX business days. On XX/XX/XXXX I received a notice that they concluded that I benefited from the transfer, or I authorized it. I clearly did not do either. There is no mention of trying to reach the receiving bank and being unsuccessful. This leads me to believe there was in fact no attempt made. In addition, they charged me {$25.00} per wire transaction. My account is set up for fraud alerts, I received no phone calls or text messages when this was happening. The activity on my account was clearly out of the norm and should have been flagged. Im a XXXX veteran, and Ive worked very hard for my money and now its just gone. I hope whoever reads this, acknowledges that there needs to be better protections in place for consumers. I have attached the account transactions that show the wire transfer numbers. XXXX of the transactions states reversal of unauthorized wire transfer. I have also enclosed the person and banking info the wire went to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation