BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX : {$0.00}

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 2023-04-13
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've asked the bureaus more than once to investigate because I know per FCRA 15 U.S.C. Sec. 1681i ( a ) if the bureaus don't provide proof or investigate properly items must be deleted. They claimed to have verified XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) however its still on the report inaccurately even if oneday they decide to show proof of the debt they assume is mine. XXXX didn't even let me know they were even indeed investigating. It is against the law to report as they have for this account. It should be deleted immediately. 

The other acct is with transunion. They never once investigated " US BANKRUPTCY COURT ' I've requested twice. This need to be removed as soon as possible due to it causing issues with my approval rates for new credit. Per the Fair Credit Reporting Act, Section 616 ( a ), if you willfully fail to comply with the requirement to investigate my accounts, they are liable for damages of {$100.00} - {$1000.00} and reasonable attorney fees as determined by a court of law. I would appreciate it if they delete these account 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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2023-04-12
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:
This is the third 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. Kindly correct or delete the following inaccurate items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I originated my XXXX with XXXX XXXX with no restrictions or requirements regarding the use of an XXXX account. I did choose to use XXXX when we closed in XXXX XXXX XXXX but i would not like to manage my home owners insurance and property tax payments my self. 

XXXX XXXX purchased the mortgage and is no permitting me to cancel the escrow because of their policy of VA loans being in escrow for the first 24 months. This is a requirement that was not part of my closing documents and i never agreed to it. 

I have called XXXX XXXX XXXX different times on this issue and been on hold for well over an hour waiting for responses when I have called. The first call the hold was so long I had to hang up, the second, I was on the phone for nearly XXXX hours and was first offered to have the limit changed to 1 year but declined. I have a high yield savings account that I will be using as my own escrow and want to start depositing right away. XXXX minutes later I was told they would send me documents to sign to cancel the escrow. 

2 days later I got a letter in the mail stating that my request was denied, I called back to ask what happened and they just said its not their policy to allow that an did not even check to see if there were notes regarding the last conversation I had. 

They are trying to impose a policy that changes closed contract for mortgage between my self and XXXX united that they purchased and I believe can not be enforced. I have expressed the same to XXXX XXXX in each of my calls and they agreed once but have since reneged. 

The exact wording from my closing documents regarding keeping my escrow account states : " For now, your loan will have an escrow account ( also called an impound or trust account ) to pay the property costs listed below. Without an escrow account, you would pay them directly, possibly in XXXX or XXXX large payments a year. Your lender may be liable for penalties and interest for failing to make a payment.

In the future, Your property costs may change and, as a result, your escrow payment may change. You may be able to cancel your escrow account, but if you do, you must pay your property costs directly. If you fail to pay your property taxes, your state or local government may ( 1 ) impose fines and penalties or ( 2 ) place a tax lien on this property. If you fail to pay any of your property costs, your lender may ( 1 ) add the amounts to your loan balance, ( 2 ) add an escrow account to your loan, or ( XXXX ) require you to pay for property insurance that the lender buys on your behalf, which likely would cost more and provide fewer benefits than what you could buy on your own. '' The page of my closing documents this is from is attached to this complaint. 

My taxes are paid, and I have just paid my home owners insurance in full when switching to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: MO
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:
This is XXXX XXXX and I am submitting this CFPB Complaint to vehemently dispute the fraudulent items listed on my credit report. It is utterly unacceptable that these accounts are present on my report, especially since I did not open them or give authorization for anyone else to do so on my behalf. I am appalled that you have not taken the initiative to remove them already. The items in question are listed below, and I expect that you will take immediate action to remove them : XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, MO, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$700.00} XXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$1300.00} XXXX XXXX Unpaid Balance {$0.00} XXXX  XXXX XXXX Unpaid Balance {$16000.00} XXXX XXXX, XXXX XXXX  XX/XX/2022. I insist that you provide me with a written response outlining the results of your investigation, and I expect to receive an updated copy of my credit report once the fraudulent items have been removed. Do not underestimate the seriousness of this matter. I am taking all necessary steps to report this case of identity theft to the authorities and will not hesitate to pursue legal action if necessary. Your immediate attention to this matter is expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$940.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$970.00}

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have an account that is still appearing on my Transunion credit report even after providing documentation proving this account ( XXXX XXXX # XXXX, {$1300.00} ) was to be deleted. The account in question is a collection account which is causing real harm to my credit and Transunion is refusing to remove. I disputed this account back in XXXX on dispute XXXX and it was returned as verified. I contacted this collection agency to see why they reported as verified and they had no clue of why it would still be reported. I asked to speak to a supervisor. The supervisor verified that when they sent over their " file '' it was to be deleted. The supervisor also was so kind to send me a letter as proof that the account was to be deleted. I have since submitted this document to Transunion and they still have not removed this account from my credit profile and it is causing adverse action against me. I have been turned down for credit since this collection is still showing. I believe my rights are being violated. Section 1681e of the FCRA ( 15 U.S.C. 1681e ) requires that credit reporting agencies follow " reasonable procedures to assure maximum possible accuracy '' of the information contained in consumer credit reports. Additionally, Section 1681i ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of any disputed information and to correct or delete any inaccurate or unverifiable information within 30 days of receiving a dispute. 

If a credit reporting agency violates either of these sections of the FCRA, they may be subject to legal action and can be held liable for any damages that result from their failure to comply with the law.

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 2023-02-28
Company: Genesis FS Card Services, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone is trying to open a credit card under my name and was denying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello, I purchased some floor tiles from XXXX XXXX XXXX. To make this purchase I opened a new XXXX XXXX XXXX XXXXredit account which is actually a credit account thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Account # XXXX The tiles that I purchased were delivered broken and some were unusable. I contacted the merchant for weeks to attempt to resolve the issue but they refused to provide replacement tiles to me. As such I mailed their company a letter informing them I would not pay any balance due until the matter is resolved. 

I then contacted XXXX XXXX by letter informing them I disputed the entire balance due and that I wanted them to communicate to the merchant that I was refusing to pay the balance because they had not delivered all the tiles as promised. 

This was in XXXXXXXX XXXX XXXXXXXX. I waited three months for a reply from XXXX XXXX only to be told they never received my dispute in the mail and that I needed to start over and send all of my information again. 

In XXXX XXXX XXXX I provided XXXX XXXX all of the documents again including my explanation letter describing my dispute and the bank acknowledged they now posses my dispute. 

It is now XX/XX/XXXX and XXXX XXXX  has still not resolved this matter however XXXX XXXX  has started reporting late payments to the three credit reporting agencies and my credit score is dropping drastically.

It has been over 6 months since I first disputed this issue with the bank and it is totally unfair that they have yet to resolve this matter. I have provided them clear photographic evidence that the tiles were broken, this should be an open and shut case in my favor. 

I need assistance getting XXXX XXXX  to finally act and resolve my dispute. 

I should also mention I have used the tools the credit agencies provide to dispute this account on my credit report but they always just indicate the account information is accurate and do nothing.

The information *is not accurate and I do not actually think any real attempt is being made to rectify this issue by the three credit reporting agencies.

Thank You in advance for any help you can provide me. 

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 2022-11-14
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Bought furniture from XXXXXXXX XXXX XXXX XXXX on XX/XX/2022 it was charged to an Ashley credit card, amount {$2200.00} when I call and told them I did not buy the furniture from Ashley 's, Synchrony bank closed that account, and opened another one, and transferred the balance to the new card, {$2200.00} We paid the new card off on XX/XX/2022 amount {$2200.00} the payment cleared my bank on XX/XX/2022, now I keep getting a bill for the amount of {$2200.00} that we have already paid off. I have been trying to get Synchrony bank to straighten this out for 5 months after numerus phone calls and paper work sent to the bank 3 times they still can't get it straightened out. 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ar 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 2023-03-23
Company: EQUIFAX, INC.
State: NC
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:
For the company to do what fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Chime Financial Inc
State: CO
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:
I've had an account with chime for a couple years with no problems. Recently someone hacked into my XXXX XXXX account and pretty much drained the rest of my tax return from my chime account. On XX/XX/2023. XXXX dollars in a series ' of adding cash from my chime account to my XXXX XXXX, than sending it to themselves. Multiple transactions from XXXX to XXXX. The last time they tried for another XXXX and it got declined.I 'm newly divorced, and lost everything in that divorce. I've been trying to rebuild my life. So if you can imagine, that money was very important. I noticed this hack about two hours after it occurred and immediately notified chimes dispute department. First I'm told that once the transactions are no longer pending, then I need to promptly notify them again that I still dispute the charges. When I ask when Ill see my money credited to my account. I was told by one employee up to 45 days and by another, XXXX, ,up to 90 days. So I research their website. They claim to be backed by XXXX XXXX XXXX liability policy. And my XXXX XXXX  was only linked to my chime XXXX card. So than I research XXXX XXXX  website and policy. I even call their customer service. The policy states that XXXX requires all issuers to credit your account within 5 days of notification. So I call chime multiple times, even speak to a supervisor. All I get is this run around talk and the same 45 to ,90 day XXXX and employees pretending like they give a XXXX. It's a XXXX  dollar company with insurance. And they are refusing to credit me the money stolen from my account in a timely manner going against their own policies and contracts. Meanwhile im stuck at home needing a car repaired and can't even buy groceries. If this were any other bank my money would've been back in my account in 24 hours or less. I have never been more disappointed, let down and disgusted by the greed of a company. Shame on them. Seems to me like some class action lawsuits are headed their way. As they deserve. How unintelligent to go against your own policies are rules. They deserve nothing less. As for myself, I'm already in contact with a consumer protection lawyer who works on contingency. Which will cost them much more in attorney fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting late payments on my credit bureau when I was under federal bankruptcy protection. Even according to their own attached letter, I was under federal bankruptcy protection, and when I got out of federal that bankruptcy protection on XX/XX/XXXX, I immediately sold the residence which actually was sold prior to XX/XX/XXXX but it takes a little while for the house to close and therefore I should not have a late payment on my account.

Company response to consumer: In progress