BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am writing to express my extreme frustration and anger about the accounts on my credit report that I believe are inaccurately reflecting my payment history. I demand that these accounts be corrected immediately. Despite my repeated attempts to resolve this issue directly with the creditor and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that the creditor has failed to provide any supporting documentation to validate the debt, and yet the erroneous account is still listed as a late payment account on my credit report. I take this matter seriously and expect a thorough investigation into this dispute. I also anticipate a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. I demand that the credit bureau responds to this dispute within the stipulated time frame as mandated by the law. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
From XX/XX/2021 until the present XXXX XXXX has incorrectly calculated my mortgage payments and reported my account to the credit bureau as delinquent.

In addition to the many unethical practices of charging me several late fees although I didn't owe any.

This company has several pay web sites that don't allow you to pay anything other than what they have your payment listed as, they have had three different web payment websites since 2021. The most current website won't allow you to pay your mortgage until you read and acknowledge some agreement they have attached I'm sure to cover themselves against consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am a victim of identity fraud since 2017. Most recently I have had fraud charges show up multiple places. As a result we had overdraft charges and navy Federal is not refunding the account for 8 or 9 {$29.00} charges. Also I have been charged XXXX 5 times for a new debit card that they keep canceling without my knowledge. I am not sure if its a security feature due to my fraud alerts but the account should also be credited. I have on numerous occasions went to use my card and the card has been deleted. Between the overdraft charges and the debit card charges it is over {$300.00}. We are already in a terrible place because of the identity fraud and could really use some help understanding. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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. The following inquiries have violated my consumer rights to privacy and confidentiality under! 5 USC 1681.

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. 

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  I have repeatedly sent and called the all of the credit bureaus and requested that the inquiries removefor they my were not authorized by me nor did I give consent to any of these companies to pull my credit report, these following inquiries are violating my rights as a consumer. Experian has refused to help even though they have had many inaccurate info on my reports. 

These inquiries has affected me immensely and i want these inquiries deleted immediatley!

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 the year of XXXX, months starting near XXXX until now have been causing adverse action to me while reporting transactions. 

Exclusions of my " consumer report '' deal with any report solely as to transactions or experiences between the consumer and the person making the 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 2023-09-11
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a copy of my credit report and noticed some accounts I would like more clarity on some inaccuracies and inquiries I am unaware of. 

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. 

Acct Name : 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 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 an 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.

These inaccuracies are stopping me from being able to get a new home for my family.

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 2021-08-19
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I received a letter in the mail ( dated XX/XX/XXXX ) from Chase : Weve decided to close you accounts. 

No explanation was given and I have until XX/XX/XXXX to withdraw all my funds. 

Ive been banking with Chase for over 4 years. I have a personal account, a business account and a savings account, as well as two credit cards ( one personal and one business ). 

Ive never had a payment or check bounced or returned. Ive always paid ahead of time. I maintain a positive balance at all time, never going into over draft. I have hundreds of thousands of dollars in my savings account. 

I have two mortgages which are always paid paid on time, never ever late. 

Never had a complaint or issue with the bank. 

My main business is buying and holding real estate in the U.S., and Ive stated that in all questionnaires. 

The only thing I can think of is that I currently live abroad in XXXX, but I have many friends and family who live in XXXX and have been banking with Chase for years. 

Ive spoken with my bank manager and he has no idea why this could have happened. 

Im extremely surprised and disappointed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This citibank is a fraud bank and just trying to grab money from me. I always cooperated with their investigations. I never received any calls from Citibank regarding investigations. Citibank is just trying to put mud on this situation by pulling up two previous small charges disputes for which they gave me complete credits. One was from XXXX for napkins for {$12.00} and the other one from XXXX XXXX for {$45.00}. When I bought the napkins from XXXX for {$12.00} and I came out of the store, there were no napkins in the Bag and when I went back the store refused to provide me with napkins. 

Same thing with XXXX XXXX, when I went to the restaurant to pick up the food, they made me sign on the receipt and when I came out of the store, there was no food in the bag. When I received the XXXX anywhere Visa card it was mentioned in the disclosures that I will not be liable for the merchandise I haven't received and fraudulent transactions. Citibank is just trying to shrug of its shoulders. XXXX XXXX didn't even call me from the Executive Response Unit Department. The Citibank company didn't show me any proof that I made the purchase at XXXX. 

And what is the relationship between XXXX, XXXX XXXX transaction and the XXXX transaction? They also failed in telling me that I need someone to call me from Citibank at my phone number provided and ask any questions they have. I never received any call from citibank asking me any questions, they never did any kind of investigations and just making false stories to make money. 

I checked the Citibank Credit Card website and they blocked my Number themselves. When I went to change it, it stated that I can not change it and I need to call customer care. Its been one hour and I am still waiting for any customer care person to help me out. this Credit card company 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 2023-09-11
Company: Experian Information Solutions Inc.
State: CA
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft  has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-07-21
Company: Nelnet, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please Be Advised I have wrote multiple of letters. The inaccurate accounts remain on my credit report ( US Dept Of ED XXXX in the ( Date Opened, last reported, Date last Active, Date of last payment section. XXXX  is reporting different information than XXXX  is reporting show that there is a late fee which is also incorrect account was never late. These accounts seem to be furnished by the same creditor so why is all provided data different. It is your duty to insure that all information that reported is consistent and most importantly accurate and you have failed to do so please Delete this erroneous item immediately. 

Attached you will find documents of the account. 

If you find that the information is inaccurate I am asking for the account to be removed from my credit report as soon as possible please. 

Account name : US Dept ED XXXX Credit Bureau XXXX XXXX Account Name US Dept ED US Dept ED Account Number XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Last Reported XX/XX/XXXX XX/XX/XXXX Date Last Active XX/XX/XXXX XX/XX/XXXX Date Last Payment XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2022 : 30-day state of emergency, executive orders issued Maryland Gov XXXX XXXX XXXX said COVID-19 is overwhelming normal operations at hospitals, and he's issuing a state of emergency and two executive orders. 
I notified XXXX XXXX XXXX and alerted them of the state of emergency, unemployment and XXXX due to the emidemic. 
XXXX XXXX XXXX is not following Credit Protection During COVID-19 ( XXXX ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current.

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 2023-10-12
Company: Affirm Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Placed an order with XXXX for the first time XX/XX/XXXX and my order never showed up, treied contacting the carrier and merchant that same day and got absolutely no help. Attached is proving that the merchant XXXX XXXX has never attempted to contact me regarding my order after I tried multiple times to get in contact with someone. I emailed them via their chat system multiple times and all I received back was an automated email saying " Thank you for your message ''. The next attached picture shows you my inbox from when I filter only messages from XXXX XXXX, as you can see every message from them is a generic automatic email but nothing shows them ever attempting to contact me. The message from XX/XX/XXXX is the first screenshot I provided. Next screen shot shows you they have absolutely no phone number for customer service, email only. Now the next screenshot is showing all of the multiple times I have gone on their chat/email and tried to notify them of what was going on, once again generic automatic message with no follow up. Call a location in Florida and they can't help with online orders. 
This company has no reviews for their online website anywhere to be found and is not accredited business on XXXX  where I filed a separate complaint. At this point I feel like their website is a SCAM because how do you have XXXX customer service for expensive items as such? Hoping this can help get things resolved, it is now the year XXXX and this company still has no form of contact for online orders so Im just stuck with a debt between XXXX/Affirm/XXXX they just bounce me around and provide no help, just want me to pay for a product that was never delivered

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE A TD BANK ACCOUNT REPORTING ON MY CREDIT REPORT AND AS A FEDRERALLY PROTECTED CONSUMER I HAVE BEEN STUDYING CONSUMER LAWS AND I KNOW MY POWER AND RIGHTS I NEVER GAVE ANY WRITTEN PERMISSION TO TTD BANK TO FURNISH ANY REPORTS TO THE CREDIT REPORTING AGENCIES NO CONSENT IS IDENTITY THEFT I NEED THE ACCOUNT REMOVED FROM MY CREDIT REPORT WITHIN 4 DAYS OF RECEIPT OF THIS NOTICE I HAVE ATTACHED AN FTC LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Due to Identity theft I wish to have the attached items deleted from my credit report. The items I need deleted will be listed in a document attached with this report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission and I also have enclosed of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items attached 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 2023-10-22
Company: DISCOVER BANK
State: NJ
Product: Credit reporting 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 FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was immediately sold to Caliber home loans. Since then they have not once correctly calculated my escrow accounts or had accurate payments. 
Now they can not handle that my county has me on once a year payments and I have been fighting with them for months to update this info and re-run my analysis before my payments jump in XXXX and I just keep getting run around in circles while they perform incorrect calculations ( which they admit ) But say they can do nothing about until " research '' finishes but can't give me a timeline on that as well, even after a fairly useless escalation process. 
I have been working on this with them since XXXX with nothing done other than them continually running " analysis '' that has been incorrect per not only my math and the county website, but their own reps on recorded lines.

Company response to consumer: Closed with explanation