BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 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 non-monetary relief
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/2022 To Whom It XXXX Concern : I looked over my credit report and found some addresses that appear incorrect. I've enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed ( which I would like to be removed please ) : ( Previous/Incorrect Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There should only be XXXX address listed on my credit report, which is XXXX XXXX XXXX XXXX XXXX. 

Please remove inaccurate employers as well as listed below : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. Self-employed XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX remove inaccurate phone numbers as well as listed below : XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX Please remove inaccurate names : XXXX XXXX Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
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 2023-06-23
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: Personal information incorrect

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 15USC 1681. 

XXXX Account : XXXX which was removed from my report a account that has made me open to possible fraud that didn't belong to me. XXXX XXXX and XXXX XXXX are also reporting the address XXXX XXXX XXXX XXXX, GA XXXX also address XXXX XXXX XXXX XXXX, FL XXXX. 

15 U.S.C 1681 section 602 A. States I have a 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 reporting agency if the person knows or has 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 2023-04-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 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 2017-08-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX   XXXX  ACCOUNT MUST BE REPORTED AS CLOSED BY CONSUMER. THE DISPUTE FLAG SHOULD BE REMOVED AS THE COMPANY HAS RESPONDED THAT THE DISPUTE HAS BEEN RESOLVED IN MY FAVOR. THEREFORE, MY INFORMATION ON THE ACCOUNT IS BEING INCORRECTLY REPORTED. PLEASE SEE THE COMPANY 'S RESPONSE TO THE CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/2022 To Whom It May Concern : I looked over my credit report and found some addresses that appear incorrect. I've enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed ( which I would like to be removed please ) : ( Previous/Incorrect Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There should only be XXXX address listed on my credit report, which is XXXX XXXX XXXX XXXX XXXX. 

Please remove inaccurate employers as well as listed below : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. Self-employed XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX remove inaccurate phone numbers as well as listed below : XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX Please remove inaccurate names : XXXX XXXX Thank You, 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 2021-01-04
Company: CITIBANK, N.A.
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I purchased a set ( 2 ) nightstands from XXXX / XXXX company. 
The price for each nightstand was {$140.00} making the cost for the set {$310.00}. My Costco VISA card charged me {$310.00} twice and keep claiming that the merchant is refusing to issue a credit for the duplicate charge of {$310.00}. I have emails from the company saying they have only charged once but VISA refuses to listen and tell me that they have closed the dispute against my favor. That means that they are pocketing my {$310.00} because the merchant has been paid only once by the credit card.

One day I called VISA 6 times and each time they hung up on me by claiming they could not hear what I was saying. 

Costco VISA has a history of duplicate charges on my account and I am getting sick and tired of their high handedness. I want to close this card but can not do it until this is resolved or they will report to the consumer reporting agencies. 

Thank you for any help you can provide! 
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 2021-01-04
Company: Accounts Recovery Agency Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft ..and found out i have debt that isn't mine ... would like this cleared up as soon as possible.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Well I like to start with saying that I was involved fraud trough my bank I dont how far it bien if to my credit card I think yes cause I just keep getting the the same story here some money back there is I counted at least 30 charges I dont k ow bout and that they sue and wont solve them for example I heard them in call get hang up cause one member was gonna help solve this issues and the call hang up he like saw the fraud thrown th e call I tried  to communicate with repesentive and still cousin a straight answer and I go t so many charges where I get charges and a week later o see the charge oooo and prosseing and then it get me how more money plus I caught them charging my dept for credit in a month 3 times they drain my account for month they that till I caught them and put a stop to it and always getting the run around just beaten lies and cover ups XXXX XXXX 4 or five company more non stop charging me that I never notice where Blayne fraud cause I work I cant always except sole taking from that I trust like the bank well they disappointed and want to solve this with them and well I just dont rues them to due cause then tsk whatever I put in the account unauthorized I like to get deed back and process this complaint..

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 2023-07-07
Company: Rogers, Morris & Ziegler, LLP
State: IL
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:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Untimely response
Consumer complaint received 2021-04-06
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage Div. Ocwen services my loan. I did fall behind in XXXX and in XXXX they opted to put two loan payments at the end of the loan which was great. My biggest issues with this servicer is all the additional fees that they add on to their servicing. When ever I have had a late payment I have always added the late fee which is around {$50.00}. 
I checked today an an interest payment that I sent via check in XX/XX/XXXX for {$540.00} was not put towards interest it was held in suspense for a while then it was put to offset their " Other '' category. 

Today I submitted my XXXX payment and added an escrow account shortage of {$84.00} per their statement on XXXX XXXX which made my total payment of {$1600.00}. Not a problem. I have been able to reduce the " other '' category to {$96.00} from over {$500.00}. I had called to ask for explanation but after being disconnected, dropped in my previous 3 calls because my account is assigned to a specialist I have been not been able to talk to the person so asked to speak to a Supervisor. Its going on 23 minutes of being on hold and not getting anyone to pick up the line. Unfortunately, I don't have all day to wait for a Supervisor to get information on my questions/concerns. 

I am glad that they put my two late payments on the end of the loan. Due to being self-employed its very difficult to get refinanced especially with my late payments. The loan is at 4.6 % interest rate so whoever owns this is making great returns since its almost double the current interest rate. Not sure if your department can assist me but since I have been on hold I thought I would file a complaint since I tried being nice and patient and it got me nowhere. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried to reach out to the companies numerous times about the inaccurate accounts but iv'e gotten no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: MOHELA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I spoke with one " XXXX '' from the credit/reporting department at MOHELA at which time I asked her why I was reported 90/120 days late without a 30 or 60-day report so that the issue could be addressed sooner. She graciously explained federal reporting requirements. I advised that I wasn't contacted prior. However, she suggested that it is MY responsibility to update personal contact information with MOHELA. Branding me with culpability was premature and unnecessary. As it happens, I am on a temporary job assignment with XXXX, my employer of approximately 5 years. I am out-of state sporadically for work and I requested forwarding for all applicable XXXX addresses to XXXX  so that I would not miss any mail. I asked what address they were contacting and she provided addresses that were several years outdated that I had never furnished to MOHELA instead of the most recent that actually had. As a consequence of correspondence being delayed, I lost 168 points on my credit score. I did not receive any emails. I did not receive any phone calls or at the very least any voice messages from any representative at MOHELA, yet this representative by the name of XXXX suggested that the 90-days late reporting was justified because " nobody could get in-touch with [ me. ] '' Regardless of the account being current at this time, the negative impact on my credit history is a present issue. Before it is asked, I had not made contact with MOHELA sooner because I had been planning my return to school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
15 USC 1681e ( b ) According to the IRS canceled debt ( Charge Off ) is gross or ordinary income. Income doesn't get reported on your consumer report. So since income dose not get reported on your consumer report. A Charge Off is a inaccurate account and it have to be removed. These are the accounts and please stop letting them get away with updating these accounts ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... Please delete these accounts Off my credit. Thank you.

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 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX  XXXX {$2500.00} 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 Chapters View

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 2019-02-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
Please note on XX/XX/XXXX I opened up a 13 month CD with Synchrony Bank at 2.65 %. for {$1.00} million. On XXXX XXXX I noticed the bank was offering 2.75 % for a 15 month CD. I called Synchrony on XX/XX/XXXX and spoke to " XXXX '' at XXXX and asked her if I was able to change to new 2.75 % 15 month cd without a penalty. She said yes because i was within the '' 7 day grace period '' This phone conversation was recorded. I recently received my XXXX interest statement and noticed Synchrony charged me a {$500.00} penalty for early withdrawal. I called Synchrony and spoke to a Supervisor XXXX XXXX at ext XXXX who said XXXX was mistaken even though she did say there was no penalty on the recording. I escalated this to a District manager XXXX XXXX in XXXX Kansas on XX/XX/XXXX and he said the bank made a mistake and " XXXX " was wrong but the would not refund my {$500.00} Penalty.. P ; ease help me obtain a refund of my penalty..If I was advised there was a penalty I would not have changed CDs. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18
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: Was not notified of investigation status or results

Complaint:
I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )

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