BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX, XXXX, TransUnion, has violated my rights by reporting the following on my report : DEPTEDXXXX  XXXX # XXXX DEPTEDXXXX XXXXXXXX # XXXX DEPTEDXXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX XXXX XXXX US DEP ED XXXX # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-10-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My report 's list of inquiries and informations were inaccurate. I sent it to each credit bureau, asking to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Updated : ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Updated XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2023 and XX/XX/2023 I received 20 hard inquiries that I did not authorize. The companies below are reporting to my credit fraudulently. I was abroad during this timeframe and did not apply for auto loans. Please delete all inquiries from the companies listed with corresponding dates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. POSTAL SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. POSTAL SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S . POSTAL SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have lived in my home for 15 years. I am a senior citizen. My loan was bought by Nationwide/Mr. Cooper some years back. I never had a problem with them until I refinanced this past XXXX to pay off some debt. Since refinancing I have had three major problems with this company and there has been no reasonable explanation for any of them. 

First I received a bill from the Town of XXXX that I was to pay my own taxes. My taxes have always been paid by my mortgager and nothing changed. I was told a 3rd party company XXXX sent the town the letter. No one had an explanation. I asked for a written response as to how this happened. I got an email saying the taxes were paid. I was never told why it happened in the first place. I received a letter saying as much and they told me that as of XX/XX/19 they still had not received my payment. My mortgage has always been paid directly to Mr. Cooper from my checking account on the first of every month. I checked with my bank and they said Mr. Cooper received the payment on the first as always. The letter from the XXXX XXXX Customer Relations Specialist who was very nasty and condesending told me my bill was not paid and showed me their statement saying it was posted on the XXXX and it was my problem. The bank confirmed for the 2nd time that they received it on time on the first and it was in internal problem with Mr. Cooper. They are jeopardizing my credit at this point. 

Then to make matters worse they send me a new bill now for {$690.00} instead of {$680.00} because they shorted my escrow account when they refinanced. Obviously to make the payments seem more reasonable than the other companies who were giving me their figures for refinancing. 

I do not know what is wrong with this company but something has dramatically changed and someone needs to look into them. I do not want to stay with them at this point but I would have to pay closing costs all over again to go somewhere else. I think they have no explanation for any of these serious problems which occured in the last 6 months. I am afraid to stay with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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 belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2018-08-27
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a credit alert on XX/XX/2018 that a new collection was reported as derogatory on my credit report. It shows AD ASTRA RECOVERY SERV. I am unaware of who that company is and I have requested VALIDATION of the debt but have not received anything. I have tried calling the company and only got the run around. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical  verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts mentioned. Failure to positively verify these accounts has hurt my ability to obtain a home mortgage loan. Under the FCRA, unverified accounts must be removed and if AD ASTRA RECOVER SERV are unable to provide me a copy of verifiable proof, they must remove the account being mentioned immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: CA
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been trying to withdraw my money from this account and then close it. 
I am no longer in the XXXX & do not have a XXXX address I do not have a XXXX mobile phone I am currently in XXXX I have been able to transfer my monies from Bank of America to my XXXXXXXX XXXX account with the exception of XXXX. 
BoA 's systems will not allow me to transfer the final XXXX to my XXXX XXXX account. 
BoA has offered to send me a cashier 's cheque for XXXX. However, no XXXX financial institution will accept a cheque in any currency other than XXXX dollars. For all intents and purposes a cheque is USD denominations is worthless. 
Furthermore BoA is charging me {$12.00} per month in maintenance fees and they have refused to refund the fees. BoA have not provided a solution for me to have access to my money and then to close my BoA account. For all intents and purposes BoA is keeping my final XXXX and do not have any solution in giving me access to my money. I feel that this is theft of my XXXX. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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, The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX  Date : XX/XX/XXXX, Account name : XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX Date : XX/XX/XXXX, Account Name XXXX XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX Date : XX/XX/XXXX, Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, Account name : XXXX XXXX XXXX Date : XX/XX/XXXX, Account name : XXXX XXXX XXXX : XX/XX/XXXX, Account name : XXXX XXXX XXXX : XX/XX/XXXX, Account name : XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. Account name : XXXX  XXXX Bankruptcy XXXX Date:10/10/2013. 

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, 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 a reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My wife and I opened a joint account at Chase in XX/XX/2021. We did this in person at a branch. We brought all the required identity documents and extras just in case. All of our information was verified, and after over an hour, the account was opened. A couple of weeks later, I went to pay my credit card bill, and find out that my account was locked. Chase seemed to think there was something fraudulent going on with my account. It took multiple calls and several hours on the phone to resolve this. The obviously outsourced customer service seemed to have no clue what they were doing, and kept transferring me to different people, or telling me I needed to go into a branch. After several tries, the issue was finally resolved, or so I thought. My wife 's account was similarly locked, and we can not get any help. We spent half the day on hold, talked to several agents, and while on hold for yet another agent, the call went completely silent. We are completely fed up. We both need to be able to access our accounts, and we do not think it is too much to ask to be able to contact support when needed. Having overseas reps that can barely speak English and can't understand the issue or how to resolve it is XXXX. I have never had problems like this over many years of being a Chase credit card holder, so I assumed their consumer banking division would be run about as well, too. I was clearly wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Kohl 's Charge account from Capital One Finance is reporting incorrectly. 

I initially called in XXXX to Kohl 's ( who handles the customer service on these accounts ) and was advised a XXXX was issued on my account and the debt was forgiven. 

I called for 2 months weekly trying to get a copy of the XXXX sent to my proper address.. Weekly, I was told it was mailed. Never received. 

At the beginning of XXXX, I finally received it and the Kohl 's CS representative admitted those were requests and it took a long time to actually be mailed. 

The information on it is incorrect. Balance and account number are not mine. Kohl 's blames Capital One. 

After multiple calls with representatives who couldn't advise on the issue, they told me I would receive a fax stating the error and that my account was issued a XXXX forgiven debt notice with my name, balance, and account number. Never received. A rude supervisor told me I wasn't being patient enough a week after it was promised within 24 hours. Never received. This is Kohl 's customer service. 

Taxes are past due. A corrected form was never received. Who knows if it was issued. I want a corrected XXXX sent to me with TRACKING to verify its location. 

It's quite scary that Kohl 's maintains such poor records and practices and constantly blame it on another department or on Capital One. 

I am filing this complaint against Capital One, as they need to provide accurate information. 

Since I have disputed the error ( s ) with the credit bureaus, and you obviously verified them, I am very curious as to what kinds of records you may have for this alleged account. 

Under the FCRA, you are required to conduct an investigation on this account if I request it and provide the original loan application with my signature, original executed notes, history of payments, and any other documentation you may have verifying the legitimacy and accuracy of your verification and reporting of the account as stated above. This has not happened. 

Remove this account from my credit report so that I can be done with this mess of customer service and incorrect data and reporting. This account is over 5 years since charge off and I will proceed with litigation if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-22
Company: Experian Information Solutions 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:
Your investigation did not fix error in my credit file. I have informed you already that my report contains inaccurate and incorrect account that results of identity theft. XXXX already deleted this from my report and you should also comply with the law. This account must be remove and delete from my report asap.

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 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion customer service would not help and take care of the negative inquiries on my report. 
1 ) XXXX XXXX  XX/XX/XXXX 2 ) XXXX XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) 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
Consumer complaint received 2018-09-26
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is approximately the 3rd or 4th agency that this alleged debt has been to. I've disputed this over and over. I've issued a cease and desist order numerous times to XXXX XXXX XXXX, but they continue to call me from unknown numbers daily, and continue to send correspondence, including today. They violate the law daily. 
Please address them They have a previous finding with the CFPB already.

Company response to consumer: Closed with non-monetary relief