BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
On XXXX  I sent a dispute letter to Equifax requesting them to investigate and correct or delete inaccurate information on my credit report. This is now month 3 of me trying to get to Equifax to adhere to the FCRA and follow procedures outlined by congress to ensure I have a fair and accurate credit report. Equifax has refused to abide by the FCRA and accurately investigate my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I disputed all the inaccurate accounts on all three consumer reports. XXXX was the only company to respond and delete the accounts. The other two companies are still reporting the fraudulent information. These other two companies also have not responded via mail with my full file discloser which violated the law. Below are attachments with proof of deletions and time stamps.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Since at least XX/XX/XXXX, I have not been able to view my PayPal Credit statements online because I receive an error message. PayPal Credit is issued by Snchrony Bank, and they do not mail paper statelets. In late XX/XX/XXXX, I reached out to customer service, who didnt seem to care, and said I should try accessing my statements using a different device or computer. I never had a problem accessing my statements prior to XX/XX/XXXX. I upgraded my XXXX XXXX days ago and still receive the error message when trying to view my statements. I also used other devices and browsers to no avail. It is a violation to not provide me credit account statements. Even through a XXXX XXXX XXXX complaint, Synchrony Bank has not corrected the glitch to allow me to access my statements.

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 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On approximately XX/XX/2019 I contacted XXXX XXXX regarding my lease on my XXXX XXXX XXXX XXXX XXXX. I explained to them that every payment is reporting 30 to 60 days late on my Trans Union credit report. They explained to me that they've known about the situation for a long time and that every one of the customers in the customer base is reporting late and that I would have to dispute it on the Trans Union website and they would fix it. My issue with this is I knew absolutely nothing about it being reported late until I was trying to get financing on a new truck. I called them on XX/XX/2019 to see if they had or were going to fix it and I was told they can't do anything until they get paperwork from Trans Union. I did get a printout of my payments showing not one single payment was late. Now that this has happened I have bought the truck but the interest rate went from 6.25 % to 12.25 % until it gets fixed and I refinance the auto loan. My concern is that if it's happened to me with not knowing until I try to get a loan, what about other customers they have that they are doing the same thing to? I had to learn the hard way and I'm now paying more for a truck with interest because of their mess up. Is there anything I can do in this situation?

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 2023-05-05
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: Account information incorrect

Complaint:
Dear CFBB Representative, I writing to you on two fronts. The 1st item is XXXX. XXXX XXXX has tried to collect on an incorrect balance and terms 3 times on my credit bureau. 3 times through their name and 2 times through outside collection agencies. In a discussion with their collection XXXX, XXXX XXXX I disputed the debt amount listed on this credit report for {$1600.00}. They abruptly closed the account as did XXXX. They sent it to a 3rd agency I disputed it again and they closed the account. Now, XXXX continues to list the account in closed account charge off status when they know this is all inaccurate and incorrect. This is one of several complaints I've filed with XXXX I'll never use their services again. 

The 2nd item is the credit bureaus in their entirety. I have attached my credit report. All accounts in good standing. I've leveraged some credit in home improvement efforts, I've bought and sold a couple personal vehicles. Accounts were paid in full. The credit bureau docked my credit score all but XXXX points! I haven't done anything to warrant this level of a drop. It's like I filed for bankruptcy and I haven't! In addition, due to this aggressive drop determined by the credit bureaus, XXXX XXXX  canceled a credit account I had with XXXX XXXX XXXX for {$500.00} and XXXX XXXX XXXX for {$1200.00}. Both accounts were {$0.00} and paid in full any time a charge was made. I've never had a bank re-check credit after I was already approved by them for a credit account less than 2 months after these accounts were opened. I would like to know what the credit bureaus feel they know about me that they are not reporting. Obviously they are reporting the wrong information. In the most recent automobile purchase due to this inaccurate credit standing I had to accept financing terms at a rate that's over 10 % higher than the most competitive rate. My mortgage rate had to be accepted at a rate the was over 3 % higher than than the most competitive rate. It's forced me to look to lower interest rates and payments when my score works back to a more " average '' status. Credit bureaus are discriminating against my credit file. I would like to have them disclose their information in my name in it's entirety, explain why my credit score is less than some that have filed for bankruptcy, and I would like to have all inaccurate information removed from my credit report. They all have violated my rights as reported under the FCRA. I appreciate your attention to this matter! 

Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: PR
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:
Never pay late, and they show a late payment on 30 days in XXXX in XX/XX/2022, in Equifax in XX/XX/2022, in XXXX in XX/XX/2022. I have the evidence I send it. And the sell and closed the account is a violation to report late payment in a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is the mistake,, XXXX  is reporting a wrong account in my credit report, they can not bring me enough information about this account.. i dont recognize this account as mine ....

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 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are not mine but is reflecting on my credit reports. 

XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX and XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX, XXXX and Trans Union are not responding to any of my requests to provide me with the documents with the original signatures.

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 2023-05-05
Company: Auto Trakk, LLC
State: MI
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 have disputed this account with the credit bureaus and the credit company. This is a fraud account, i did not co sign a loan. I have disputed this account 3 times and the credit bureaus have refused to remove this account from my credit file XXXX has also re-inserted the fraudulent address back onto my credit file exposing me to more fraud. the account is as follows AUTO TRACK LLC XXXX XX/XX/2015 THE FRAUDULENT ADDRESS IS AS FOLLOWS XXXX XXXX XXXX, XXXX MI XXXX I HAVE INCLUDED THE POLICE REPORT AGAIN

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: JPMORGAN CHASE & CO.
State: MI
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:
Ordered : On XX/XX/XXXX, I placed an order through Chase XXXX XXXX platform which has a partnership with XXXX ( Order Number : XXXX ). This order cost XXXX points equivalent to {$180.00} cash value and had an original shipping estimate of XXXX business days. Attached is the first correspondence I received confirming the order. 

Delayed : This order was officially delayed on XX/XX/XXXX, and a new shipping estimate of XXXX business days was provided. Attached is the second correspondence I received, regarding the delay. 

Remedy : On XXXX, I contacted the customer service line at XXXX ( XXXX ) XXXX requesting an ETA on delivery as well as more information. More details were not available other than it may take an additional XXXX weeks to ship. I then asked whether I can cancel the order and have the points refunded so I could purchase the item in person on XXXX and use the points to cover the cost once the points had been refunded. This remedy was confirmed as an acceptable alternative. I was then provided a cancellation number of XXXX and an ETA of seeing the points in my account of XXXX week. 

Issue : Following the confirmation of my cancellation during the call on XXXX, I purchased the same item on my credit card in person on XXXX. On XXXX, I received correspondence confirming my original order had shipped. I received the original order on XXXX. I now have XXXX of the same item for a total cost of {$370.00}. On XXXX, I could not get through to customer service after XXXX minutes of waiting. On XXXX, I was told by chase customer service that my order was not cancelled based on the ship date being XX/XX/XXXX, which is incorrect, and that my order was not eligible for return. 

Current State : I am now stuck with the cost of purchasing this item XXXX  due to false confirmation that my order was cancelled on XXXX. 

Complaint : The improper disclosure of information has resulted in the unintentional borrowing of debt to cover the cost of unnecessarily purchase a XXXX pair of the same item. This unintentional borrowing of debt, which was intended to be covered by the use of credit card points, carries a monthly interest payment and can accumulate over time. I believe this to be a deceptive practice where Chase is profiting off consumer impatience rather than allowing their consumers to exchange rewards points. 

Disclaimer : I appreciate the CFPBs continued focus in consumer protection, and I am willing to prepare a letter connecting the various statutory requirements to this situation if helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Experian refuses to remove XXXX outdated addresses instead continuously note per their investigation results have been updated. Ive called and submitted electronically request and every single time the addresses remains on my profile. Got the past XXXX years I update my consumer statement my identity was stolen and freeze my credit. I recently received a check from an XXXX XXXX address I lived at years ago. XXXX XXXX address I moved from XXXX years ago went into forclosure currently owned by a new family. The XXXX address I moved from XXXX years ago. Finally the XXXX address I moved from XXXX years ago. And still on my credit report. I explained to numerous live agents the XXXX addresses are outdated and inaccurately reporting on my profile. Im still receiving mail from XXXX of the previous addresses and now every tenant or owner has my unique name. Ive been subjected to several privacy breaches and had my identity stolen several times. For the past year and a half Ive reached out to Experian to remove the outdated addresses but for some odd reason them removed the other addresses but fight me each turn to remain the final XXXX above addresses. This error effects my credit, impact credit worthiness, and I suspect tied to XXXX accounts they refuse to remove although the accounts are closed well over XXXX years ago. The other complaints are XXXX XXXX closed over XXXX years ago, never late, was not a result of credit, its not a loan, its closed, its not a collection, it shouldve never been reported on my profile. The open date XXXX is incorrect opened in 2012, the monthly amount is inaccurate also, and per the 15.U.S.Code1681 ( b ) b protected me from this sort of violation. Has nothing to do with my credit plus this civil family matter is over XXXX XXXX XXXX and has negatively impacted my work, credit, and personal life. XXXX XXXX XXXX is well over XXXX XXXX XXXX yet Experian refuses to remove it mark it as new account recently then removed the language so for a decade plus my scores has suffered because I have a sold closed account with a {$0.00} balance and a high balance simultaneously reflected on my account. Its under investigation with them again for the umpteen time but I never received proof or logical or legal fair credit reporting action or proof how they keep updating my credit report. XXXX XXXX XXXX and XXXX XXXX XXXX is over XXXX XXXX XXXX no reason to not remove them. Instead updates to keep reporting child support until XXXX. Thanks for your timely resolution.

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 2019-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Twice now you have closed my complaint, before any thing was resolved. 
Capital One has refused to discuss with me what they are using to prevent me from getting one of their cards. 
My credit rating shows up at 830-835, yet they claim it a little lower, but still in the 800 's. 
I have very little debt, but they will not give me specific reasons. 

I'm beginning to think that CFBP is not able to accomplish much. You just sit back and assume that because Capital One says it's resolved that you don't have to do anymore? 
Personally, I think I'm being discriminated against because of my age. 
I have had perfect credit pretty much my entire life. I work full time, and make a higher than average income. 
Capital One application number XXXX ; Capital One Case XXXX ; CFPB Case XXXX-XXXX. 
Who can I go to that has some ability to get direct and specific answers for me? Your agency seems to be unable to do much for me. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
I am interested in disputing all incorrect information on my credit report with experian.

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 2023-09-10
Company: Experian Information Solutions Inc.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
Reporting act ( XXXX XXXX XXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It aiso 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 account under an open end consumer credit plan as late any reason.

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 2023-01-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My phone was stolen. My Chase Sapphire card supposedly has insurance for this sort of event. They subcontract XXXX XXXX XXXXXXXX  to provide the insurance. XXXX line is a horrible company that denies every claim for frivolous reasons or no sometimes reason at all. In the case of this particular claim it appears they have engineered the system to defraud all XXXX XXXX users of their benefits. 

They keep demanding a credit card statement that matches the card number on my receipt for the stolen. This is impossible. I used XXXX XXXX to purchase the stolen phone. The XXXX XXXX card number does not appear on the statement, only the main card number appears on the statement. Furthermore, XXXX XXXX card numbers are unique for each device. I no longer have the device I used to purchase the stolen phone. It is impossible for me to find that card number or to get any statement that matches it without the assistance of Chase but Chase refuses to provide assistance. 

This results in unwarranted automatic denial for any claim for XXXX XXXX purchases. There is no disclaimer that says XXXX XXXX purchases have no benefits. Even if I had the device that I used to purchase, the device does not display the full card number and the Chase statement doesn't include XXXX XXXX card numbers. 


I am attaching example screen shots from the device I currently have which has yet a new number I can only see the last four digits of. This is how it works and consumers have no control over this whatsoever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-09
Company: AmeriHome Mortgage Company, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
i tried to modify my loan to have my mortgage payments lowered my mortgage comapny refuses to lower my mortgage payment even though i send them all the details hardship about my hardship and they continue to refuse modifying my loan to make my mortgage payment lowered.

Company response to consumer: Closed with explanation