BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of the accounts on my credit file the XXXX XXXX account is fraudulent and misleading XXXX, XXXX and Transunion are engaging in racketeering activities by way of conspiring with XXXXXXXX XXXX  to extort me into paying an alleged debt that was not verified also no proof of verification was given to me on the method of investigation or who was the man interviewed or questioned that verified these accounts. And the promissory note used to create the fraudulent account is a counterfeit note use to extort me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied online for a business credit card with Chase in XXXX of XXXX. They needed document to process my application ( copy of EIN ), I sent it to them and never heard back. I tried calling their customer service number and their hold times are always more than an hour. When I finally got time to call them and spend time holding such incredibly high wait times, I was told its been more than 30 days since I applied and they closed my Process. My credit report was pulled. 

I didn't want to spend time researching, my credit is perfect, so I figured I will just go to the branch and apply for a credit card in person. 
I visited the branch on XXXX and applied for a credit card. I emailed the banker a copy of EIN for my business and also applied it to the website provided in a letter from Chase. 

I have spend ridiculous amount of time calling Customer Service, being transferred from one department to another department. Talking to their Executive Office was a waste of time, they did not to anything, instead they closed my case and told me their loan department will reach out to me. To this day, nobody reached out to me and I have not received a response to my business card application after I provided them with the copy of my EIN for my business.

I also reached out to XXXX XXXX XXXX and they closed my case with the result of this issue being resolved, however nothing was done. Chase just told them that case has been closed and consumer has been notified. 

We are in XX/XX/XXXX and I started applying for a simple business credit card in XXXX of XXXX. 
This has been the worst experience ever, however I am looking to get a resolution as I do not want to go apply somewhere else for the third time to just open my business credit card!

Their customer service and Executive office take no ownership of issues their customers are having.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a checking account with key bank. They are supposed to update my direct deposit and bank balance with XXXX XXXX ( a third party that I have authorized access to that information ) Key bank is not sending timely updates as they are supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a notification that my credit score dropped 8 points. When I looked into the reason why, It states that as of XX/XX/2020, my balance with US Bank Home Mortgage increased {$630.00}. I have been in the COVID mortgage relief suspension program since XX/XX/2020. I'm not sure why my balance has increased when I am currently in a program that provides mortgage debt relief.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter, and they call me a liar I would like these hard Inquiries removed from my credit I sent letters, and No one did any investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTACHED IS AN FTC REPORT WITH THE HARD INQUIRIES LISTED

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 2020-04-13
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/2020, a banker from Sallie Mae called a number that was not on the loan application asking if they knew information about the cosigner of the loan. The individual they called knew the cosigner but had no history with Sallie Mae. Salli Mae informed me that they were allowed to do that, but that is 3rd party violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled up my credit report and realize I was victim of identity theft and seen inquiries that I didn't authorize. Please see below Transunion is reporting an authorize inquiry : XXXX XXXX XX/XX/2021

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 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, someone used my debit card at XXXX making two separate purchases totaling {$1100.00}. I reported the fraudulent card use to the Bank of America that same day and they canceled my card and temporarily refunded him the {$1100.00} ( pending their internal investigation ). 

I have never received the replacement debit card and I believe the card was stolen from the mail on XX/XX/2021. Someone activated his replacement debit card and used it to make 16 separate XXXX  currency purchases and money transfers totaling {$6500.00} between XX/XX/2021 and XX/XX/2021. ( Using XXXX, XXXX and XXXX  ) I noticed it on XX/XX/2021 and immediately notified Bank of America requesting the card be canceled and opened a claim. ( Claim ID : XXXX ) I have my PIN memorized myself and never share the PIN with anyone. I did not authorize anybody to use my debit card. 

BOA rejected the claim on XX/XX/2021 and the reasons were following. 

The charge was authorized by you or by someone who has permission to use the card. 

BOA didn't provide any documents why they made this decision even after I requested several times. These transactions were not made by me and I didn't give my PIN or permission to anybody. On XX/XX/2021 I wrote a letter to BOA and faxed it to BOA. On XX/XX/2021, I wrote a second letter with more details and faxed it to BOA with FTC identity theft report. 

On XX/XX/2021, BOA again rejected my claim with the following reasons. 

We didn't receive the information we requested from you or it was incomplete. If you have the information we need for your claim, we request that you send it to us in the next 10 business days so we may reopen it. 

BOA could not tell me what more information they requested or what was incomplete. Different agents are telling me two different stories but one agent told me that there is no more document required. 

I filed a police report for theft and FTC report for identity theft.

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 2023-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I asked Bank of America to wire money from my checking account to a brokerage account. Bank of America will only let me make the wire transfer from its website. The User Interface is not sophisticated enough to allow me to successfully transfer the funds. The wire page allows me to enter a routing number and a account #. XXXX, my broker, uses XXXX, a bank, to receive its wires. I can get the money to XXXX with the routing # and account #. However, without including the brokerage account #, XXXX rejects the wire. I asked Bank of America to help me customize the wire to include the brokerage account #. Bank of America refused to do this. There was no willingness at all to offer a modicum of customer service to resolve this issue.

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 2020-06-07
Company: National Credit Adjusters, LLC
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: Old information reappears or never goes away

Complaint:
XXXX XXXX keeps adding a account to the credit reporting agencies after it has been removed several years back it was reported to this commission the consumer financial protection bureas and it was reported and removed from all 3 XXXX  and from XXXX  and from XXXX, I am utterly confused on how this company can manage to put this debt on here after it was removed from all 3 credit reporting agencies. Consumer finanace has record of this account and I am not sure why they keep allowing this account to go under collection status. This company attempted fraud and when I applied for a loan toook all the money out from my bank account without my permission. I think its time to lawyer up and see everyone in court, federal court or state court. 
ACCOUNT NUMBER XXXX HIGHEST BALANCE {$560.00} CREDITOR INFO XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX LAST REPORTED XX/XX/2020 ORIGINAL CREDITOR XXXX SPEEDY CASH RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory REMARKS Placed for collection Inaccurate Info?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had gotten behind on my account for almost 6 months, and capital one sent me out emails and letters that said " XXXX XXXX XXXX XXXX, Were required to close and charge off this account in less than 30 days if no payment is made. But its not too late to work something out before your payment due date on XX/XX/2022. Our online payment plan tool may let you decide how much to pay so you can get started on your terms. they said I could pay Pay $ XXXX for 3 months Or {$610.00}. So I called in the day before and told a rep that I would be making a quick payment through XXXX XXXX and I would call back with the tracking number. The next day, Sunday, XX/XX/XXXX, I made the payment of {$610.00} thru XXXX XXXX at the XXXX grocery store. Then, I called capital one and no answer so I did a chat with a Capital One Rep name XXXX XXXX, I gave him the control number or tracking number and asked him to document it for me. I followed up the following days to find out that Capital one Lied. Even though, I made the payment they still cut the card off. In addition to that, I received my monthly bill today and a {$38.00} late fee is added to the account when clearly I made the payment on time with documentation to prove it. They gave me a false promise with the intention of cutting the card off all along.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: NE
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:
They are reporting a collection account with XXXX XXXX XXXX in the amount of {$220.00} on my credit report. This is not my account and I have disputed this several times with the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: First Federal Credit Control, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i never received anything stating that i owed this company money. My first time seeing this is when i pulled my credit report. Never got a notice in the mail nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2022-11-05
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened a savings account XX/XX/XXXX with a XXXX dollar bonus when you deposit XXXX within the first 30 days. The bonus was supposed to be paid within 90 days after the 30 day initial period. So after 120 days the account has not been credited with the bonus. 

I deposited XXXX into the account on 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 monetary relief
Consumer complaint received 2020-04-13
Company: EQUIFAX, INC.
State: NE
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:
They are reporting a collection account with XXXX XXXX XXXX in the amount of {$220.00} on my credit report. This is not my account and I have disputed this several times with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC SYSTEM is claiming that I owe them {$420.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have already submitted a complaint ( XXXX ) - The reporting agency ( Transunion ) has requested that I send in several documents to confirm my identity and my address. I have requested that all information on how the debt was validated and process to confirm the debt be sent to the address that is on file. On XX/XX/2023 I emailed XXXX with the file number and have received no response to my request. This seems to be a stalling tactic by Transunion and the debt collector, and I feel that ample time has been permitted to have these negative line items permanently removed from my credit file.

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 2023-08-17
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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a 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 2017-06-19
Company: Experian Information Solutions Inc.
State: MD
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:
Experian is reporting the wrong address on my credit report. It is being reported that I live in XXXX, Maryland and this is not true. I have sent copies of my Driver 's License to Experian over the past couple of months and they still have not updated my credit record. I need Experian to report the correct address on my credit report. My correct address is : XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. I am including a copy of my driver 's license as an attachment so Experian can process my request. I have sent this multiple times so I do n't understand why this has not been fixed.

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