BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX  XXXX {$0.00} XXXX XXXX {$680.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$720.00}

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 explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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 explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: SC
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:
I called about obatining a free credit report form all three credit agencies on XX/XX/XXXX. I spoke to a representative and told him about the e-mail breach scandal that was in the newspapers in XX/XX/2020 about XXXX XXXX in XXXX  ( my former employer ) and another hospital. I was one of several victims in that breach. He empathzed and tried to get me to do the request online. I told him several times that I was having issues with internet and phone ( which are tied together ) at home. He processed the requst for alll three credit reports. I got 2 of 3 reports 10 days later ( Equifax and XXXX ). The information on both are incorrect. The Equifax page 1 and 2 has may last name incorrect ( XXXX XXXX not XXXX XXXX ). Second part of the report page 3 and 4 1 ) does not list proper government id for validation 2 ) 2 addresses are incorrect 3 ) employment history : worked for 4 company since what this fraudulent document is stating ; also it reports employer as XXXX XXXX when it should be reported as XXXX XXXX or XXXX XXXX XXXX. On page 5, there are two hard inquries for Equifax in two different parts of XXXX. I lived in XXXX for 7 years and I remember it being located in just XXXX. I tried to call Equifax to speak to a live reprensentative, but the IVR kept it all automated. I checked the time on docuement which shows they shuldbe opened. But looking back at XX/XX/XXXX, I realized I called after hours and got a representative for Equifax ( called at desk phone after work ( XXXX ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 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 2023-03-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated rights. 

15 U.S.C. 1681 section 602 ( A ) states I have right to privacy.

15 U.S.C. 1681 section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing 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. S-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 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 2023-07-10
Company: Experian Information Solutions Inc.
State: CA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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: 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 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 2022-08-05
Company: EQUIFAX, INC.
State: GA
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:
This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I was booking a flight on XXXX XXXX, and there was an icon on the screen from Chase to apply for a XXXX XXXX Credit Card. It offered a {$250.00} statement credit after 1st purchase, and XXXX air miles award after {$2000.00} of spending in the first 3 months. I applied for the card, was immediately approved, and used the new account to pay for the airline ticket, which should have qualified as the 1st purchase. Upon receiveing my 1st statement on XX/XX/XXXX, I noticed that there was no {$250.00} credit, additionally that the terms of the offer had changed. The 'revised ' offer was for XXXX air miles after spending {$2000.00} in the first 3 months, and then an additional XXXX miles if I spent a total of {$10000.00} in 6 months, and no statement credit for the first purchase. When I received my statement I immediately called Chase to inquire why my bonus offer was different that what I saw on the website. Additionally, I went on XXXX XXXX website, went through the reservation process, and the same offer that I saw on XX/XX/XXXX was present on the site on XX/XX/XXXX. I asked the Chase rep why my offer had changed, and they indicated that they would have to send a request up to the marketing dept. to check to see what happened. They mailed me a letter dated XX/XX/XXXX, which I recieved on XX/XX/XXXX stating that they would not honor the offer that was present on the XXXX XXXX website when I applied, however they would still honor the alternative offer. I again called Chase on XX/XX/XXXX after receiveing the letter, and was eventually transferred to a supervisor who would not honor the intitial offer, instead she indicated that she would again send the request up to marketing and this would take anywhere from 11-13 days to process. Additionally, she stated that she did not want to do anything about the original offer until I had spent the {$2000.00} ( I had spent about {$1500.00} at this point ) and I explained to her that I was most interested in getting my {$250.00} statement credit now, as I had made a qualifying 1st purchase and the bonus miles were of secondary concern. Upon hearing that I would have to wait another 11-13 days for a resolution to the issue, I instructed her to cancel the card, as I no longer wished to do business with Chase as this is a clear bait and switch tactic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-13
Company: Experian Information Solutions Inc.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX**** ; XXXX XXXX XXXX**** ; XXXX XXXX XXXX**** ; XXXX XXXX  XXXX XXXX**** ; XXXX XXXX  XXXX ( Original Creditor : 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I previously sent letters to XXXX, Transunion, and XXXX in the months of XXXX, XXXX, and XXXX about incorrect information about a public record ( bankruptcy ) on my consumer report. However, the credit reporting agencies reported that all provided information was verified as 100 % correct.

I sent a letter to the bankruptcy court and their response is attached. It is clear they do not report and or verify any information to the credit reporting agencies, the information was not verified directly with the clerk of the court.

The reporting requirements do not comply with FCRA 611 ( 15 USC 1681 ) and the information must be deleted immediately.

I have also attached the information as it appears on my consumer report.

Thank you for your attention to this matter. I am committed to ensuring the accuracy of my credit report, as provided for under the FCRA.

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 2022-04-14
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an escrow account with CMG mortgage. CMG collected money from me for my property tax and homeowners insurance premiums, then failed to pay those bills on time. CMG removed the money from my escrow account, didn't sent it to the homeowners insurance company or the county property tax collection agency, and is refusing to refund the money to my escrow account. 

HOMEOWNERS INSURANCE : CMG claims to have mailed a check on XX/XX/22 to my homeowners insurance agency. The premium was due XX/XX/22 but the company gave me an extension until XX/XX/22. CMG says that checks take 30-90 days to arrive in the mail because of " mail delays '' and said they couldn't do anything about the problem. I paid the bill out of pocket in order to avoid policy cancellation. I have repeatedly asked CMG by phone, internet message, and fax to cancel the check that they supposedly mailed on XX/XX/22 and refund the money to my account. They have been completely nonresponsive to my requests. They have confirmed to me verbally that the check they sent was never cashed, but they have taken no action to cancel the check or refund the money to my escrow account. 

PROPERTY TAX : My California property taxes were due XX/XX/XXXX. CMG didn't pay them. By refusing to pay the taxes on time, my county assessed a 10 % payment penalty on my account. I repeatedly called CMG and asked them to pay the property taxes as required, including the late fee. CMG refused to acknowledge the late fee. CMG has provided inconsistent answers on how they paid the property tax bill - sometimes they say the check is in the mail, sometimes they say the money was sent by wire, sometimes they say the check is generated by an outside agency. I don't know who to believe because CMG 's story changes every time I call. 

The county property tax agency has no record of any payments from CMG on my account. I paid my property taxes out of pocket in order to avoid more late fees, since the XXXX payment came due before CMG ever even attempted to pay the XXXX payment. 

CMG has been completely nonresponsive to my repeated phone calls, internet messages, and faxes on the subject.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion displaying innacurrate employer on credit report. I do not work for 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 2023-03-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX  XXXX, Account name XXXX  XXXX XXXX XXXX  XXXX Account name XXXX XXXX  # XXXX Account name XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I requested a redemption of my share certificates from the PenFed Credit Union on Thursday XX/XX/XXXX. The next day, only 20 % of the money was deposited into my savings account. The other 80 % was reinvested into other CDs without my knowledge or authorization. 

After this frustrating error was solved on XX/XX/XXXX, I tried to link my savings account to wire funds to my XXXX money market account on XX/XX/XXXX. 

On XX/XX/XXXX, I was told by two security specialists ( after a series of several detailed questions regarding identity and double verification phone calls ) that the money would be wired immediately and the wire fee would be waived. 

Later on XX/XX/XXXX, while checking on the wire transfer, I tried to open my PenFed app and discovered that I was blocked from my own account. 

I spent 8 hours on XX/XX/XXXX talking tp several representatives who connected me to fraud specialists, security team members- and was asked to send SEVERAL documents verifying my identity to no avail!! I have sent the following 1. Drivers license 2. Selfie with my drivers license 3. Social security card For address verification, I sent.

4. IRS statements, benefits starrments from my job, XXXX XXXX bills and even a drivinf violation addressed to me with my mailing address on file 5. My aunts drivers license with the mailing address on file 6. My aunts car registration with the address on file 7. My aunts utilities bill with the address on file I live part of the year in XXXX so my US mailing address is at my aunts house. I was never told this would be a problem when I opened my savings account and CDs. In fact, that process took a total of 5 minutes. 

These are my hard-earned life savings. I WANT MY MONEY BACK.

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 2022-04-14
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Old debt from XXXX XXXX XXXX that was sold to Law Offices of Robert A. Schuerger Co. , LPA XXXX XXXX XXXX XXXX, Ohio XXXX WWW.SCHUERGERLAW.COM. 
The debt started off at {$900.00}. Since these sold the debt its more than tripled to XXXX dollars. Theyve already taking my state taxes and now theyre talking wag garnishment. 
I reached out willing to pay the original debt of XXXX that was already written off by XXXX XXXX XXXX. But the debt collectors who purchased the debt are getting greedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 2023-04-21
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX loan reported a repossession on my credit report will out my cassette nor did they write me unletter to inform me that they will put that on my credit report I asked them to remove it and they refused to They received the vehicle back as well and the insurance paid for the damages to the vehicle because it was in a hit-and-run

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