BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-29
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:
There are several negative items and unapproved inquiries on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
website on XXXX won't let me view my credit score website on XXXX won't let me view my credit report website on XXXX won't let me dispute my credit 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 explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 just started looking at my credit and I see a couple of default acconts that I did not open

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 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I just got a fraudulent email claiming there's a new derogatory mark on my credit report. According the email address in " sender '' it's definitely not one of the three credit reporting bureaus. See below ... 




From : XXXX XXXX Subject : A Derogatory mark may have been added to your XXXX TransUnion, XXXX, and XXXX Report Reply to : XXXX Sent : XXXX Sent on : Sun, XXXX XX/XX/2020 XXXX XXXX Your A Derogatory mark may have been added to your XXXX TransUnion, XXXX, and XXXX can be viewed at no cost using the link below ( Checking will not negatively impact your score ) View Your Score To unsubscribe please follow this link

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: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
To whom it may concern, It sounds like Chase may be in violation of the Electronic Funds Transfer Act ( EFTA ) 15 U.S.C. 1693 et seq. and its implementing Regulation E. By intending to initiate an electronic funds transfer from my bank account ( as defined by 15 U.S.C. 1693a ( 7 ) ), the transfer of {$1100.00} is a transaction subject to Regulation E and EFTA. See 12 C.F.R. 1005.3 ( b ). Chase obtained authorization from me for this transfer but did not comply with the requirements of Regulation E and EFTA. Specifically, Chase completed an electronic funds transfer that did not arrive in my receiving bank account ( XXXX XXXX XXXX ) due to a computational error made by Chase as a financial institution. 
This error was a result of me giving Chase accurate information, i.e., logging in to my XXXX online banking account through Chases transfer platform and giving Chase access to my XXXX credentials. Chases transfer platform allowed me to select an Account that Chase interpreted and extracted incorrect data from. I relied on Chase presenting me with the option to select this account, understanding that Chase would take necessary information to ensure that my transfer of {$1100.00} would end up in my XXXX account. If the XXXX savings account that I selected was not considered an ACH account by XXXX, Chases technology should not have allowed me to select it as an account or should have a technology process in place to deal with such scenario. I did not make any errors on your part e.g., typing in an incorrect account number. Further, after not receiving the funds and opening disputes ( see attached ) with Chase, Chase denied my claims and provided me with contact information to receive documentation as required by 12 C.F.R. 1005.9 or 1005.10 ( a ). After me as the consumer requested that documentation, Chase likely committed another violation of the EFTA and Regulation E by not providing documentation for additional information or clarification concerning an electronic funds transfer. 12 C.F.R. 1005.11 ( a ) ( 11 ) ; 12 C.F.R. 1005.11 ( c ) ( 1 ). 

I have requested, and failed to receive, any actual evidence or documents that Chase relied on in making its determination, instead i received attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From To Date Summary Response XXXX Web Contact Us XX/XX/XXXX at XXXX EST   I received XX/XX/2020tax statement and requested for clarification on whether I have to pay this or new rez will pay. County Tax bills are sent as courtesy to me. New rez will pay. No further actin needed. 
Phone call to Customer Care XX/XX/XXXX at XXXX EST  Reg Tax payment not done Rep told me it is not done and send us a copy of bills. Which is totally opposite to what was told in email to me earlier i.e. no need to send any bills to new rez. 
XXXX XXXX XX/XX/XXXX at XXXX EST Requested clarification on tax payments not done. Attached copy of bills as courtesy No Response XXXX '' XXXX, XXXX '' XX/XX/XXXX at XXXX EST Sought clarification on tax amount paid & requested statement. Response not clear & New rez said no mistake on their end. 
XXXX Consumer Financial Protection Bureau XX/XX/XXXX at XXXX EST Complaint raised reg non payment of taxes from Escrow XXXX XXXX responded on XX/XX/XXXX with a letter stating " Taxes are current ''. 
XXXX '' XXXX, XXXX '' XX/XX/XXXX at XXXX EST Overdue Notice Received, attached copy of overdue bill XXXX XXXX XX/XX/XXXX at XXXX EST  Received a letter stating nothing is showing as overdue and all taxes are paid. 
XXXX XXXX XX/XX/XXXX at XXXX EST Requested XXXX to investigate and attached copy of bills still showing as not paid XXXX XXXX XX/XX/XXXX at XXXX EST  After a phone call to customer service, escalated to supervisor XXXX via email After the above mentioned chain of communication, new rez sent me a letter via secure email stating that they had paid 2 of my 3 pending bills on XX/XX/XXXX. And there is no error at their end since they are not responsible for paying interim & supplemental tax from escrow. 
If that was the case, new rez should have told me during my first contact that I need to look out for these interim and supplemental bills. After number of emails, complaints, phone calls, XX/XX/XXXX is the first time they mentioned that I am responsible to pay interim and supplemental bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Two dept collection agencies ; XXXX  XXXX XXXX, Transworld Systems Inc., have been reporting unverified and invalid information to all three major credit bureaus, creating a highly negative impact on my credit score. The agency XXXX   XXXX XXXX reported a collection in the amount of {$1400.00} and the agency Transworld Systems reported a collection in the amount of {$780.00}. I reached out to both agencies via certified mail in effort to request that they validate the dept in question. The letters were sent out on XX/XX/2020. I then allowed the collection agencies 30 days to respond to my letter. It is now XX/XX/2020. This exceeds the 30 days I allowed for the agencies to respond. I would like further assistance in the validation or removal of these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 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.

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 2023-11-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent multiple dispute to this company about inaccurate reporting and falsely saying accounts are verify you can only verify accounts with the actual creditor or company and they have not they went throw third parties where information is reporting inaccurate 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. Account Name & Number : 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 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. The bankruptcy court do not report to the credit bureaus that is a violation of my hippa rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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:
I am frustrated by the Credit Bureaus actions or rather not taking actions in order to correct my Credit Report. The Credit Reporting Agencies haven't done anything despite the multiple written letters and complaints submitted to them. I had high hopes that the Credit Bureaus would be generous enough to give a portion of their time to investigate and verify whether the information being reported on my Credit are accurate. The last letter I sent to the Credit Bureaus was last XX/XX/XXXX containing the same appeal to remove the items which I believe were the results of the Theft of my Identity. In my Letters, I informed the Credit Bureaus regarding the theft of Identity and that the items I am disputing were the results of such crime. I have also emphasized the Fair Credit Reporting Act section 605b ( 15 U.S.C. 1681c-2 ) whereas the Credit Bureaus are required to remove any items not later than 4 business days after the receipt of the previous letter dated XX/XX/XXXX. I was expecting that the Credit Bureaus would inform me regarding my disputes by responding to my Letters but I received nothing. More than a month had passed and I am still waiting for their response but it seems that the Credit Bureaus are the best in stalling the removal of my disputed items by not responding to my letters. I am utterly disappointed that the Credit Bureaus are not taking this matter as serious as I am. By submitting this complaint through the CFPB, I am reminding the Credit Bureaus of their responsibility to comply with the FCRA section 605b and remove the following items completely from my Credit File XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$760.00} XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Owed : {$51.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$7800.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7800.00} XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$220.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-09
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I noticed a fraudulent inquiry on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I refinanced my car loan the car loan was paired off on XX/XX/2020. I still have not received my title. Called the computer and was told it was sent called back the next day and was told it will be sent out on 10 days 49 days later still no title.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Upon securing an updated copy of my Credit Report, I hurriedly checked to see if the items I previously disputed were removed. I am disappointed to see that there are minimal changes made on my Credit report. Even though I'm grateful for the efforts done by the XXXX Credit Bureau, the XXXX and TransUnion Credit Bureaus had done nothing to correct my Credit file. Despite the letters I have been sending to the Credit Bureaus, only the XXXX Credit Bureau had done the right thing to remove the fraudulent items from my Credit File. I previously sent a letter to the Credit Bureaus on XX/XX/XXXX hoping that the Credit bureaus would take the initiative to remove the items that resulted due to the theft of my Identity. I am submitting this complaint through the CFPB to remind the Credit Bureaus of their duty to comply with the FCRA regulation section 605b and delete the fraudulent items completely from my Credit File. Once again, I am urging the Credit reporting agencies to remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$690.00} XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/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 2023-06-22
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My Mother sent a Vanilla Visa card three years ago that got misplaced and was recently resurrected. The value is {$50.00}. The issuer is XXXX XXXX XXXX. I first was declined in XXXX XXXX, and recently was declined in both XXXX and XXXX. Without looking at the card, they told me it was expired in the computer. On the face, the card shows it expired in XX/XX/2021. However, after contacting XXXX and spending numerous hours on the phone, I was told the card was just fine, and was activated and ready to use. After the declinations, I finally contacted Visa Consumer Complaints who told me they weren't responsible for their " issuing financial institutions ''. Today ( XXXX XX/XX/XXXX ) I checked online and the balance is still {$50.00}, but the status says " on Hold ''. XXXX dollars doesn't mean much to the average American, but for my elderly Mother it is real money. I appreciate any help you can render. Thanks. XXXX

Company response to consumer: Closed with explanation