BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
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 is missing that should be on the report

Complaint:
On XX/XX/2021 I mailed via tracked usps XXXX to transunion it was received on XX/XX/2021. Transunion has failed to respond to my letter even after confirming its receipt. I attached a copy of my request along with receipt of the letter. The missing and inaccurate data is still reporting.

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 2023-02-13
Company: JPMORGAN CHASE & CO.
State: FL
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:
This occurred on XX/XX/XXXX and the amount of XXXX I was working and I received a text message asking if I had made a charge on my debit card and I had just picked up lunch so I glanced at it and hit yes and then when I stopped the car and picked up my phone and saw that the amount was almost {$2500.00}. I am mediately typed no And then I typed know two more times and received a response from Chase saying they would cancel my card and start the investigation. Now they say because I typed yes that they are not going to refund my money and that I couldve been shopping online. They will not provide me with any information on the transaction. Other than it was charged in XXXX in XXXX. I can see that its for so-called real estate services which is a laugh. I dont travel. I am XXXX living on Social Security a very unusual charge. The same day that this happened. I went immediately to the bank and spoke to a lovely woman whoms card. I have attached. She said she could clearly see that this was fraud, called the fraud department, and they were extremely rude, and would refuse to provide me information about the claim, such as was it purchased online in person or over the phone. They did not have my pin number and were supposed to mail me documents about the claim and its been 15 days Ive received nothing. I filed a police report and Im taking it back to the woman at the bank that I spoke with now twice she has tried her best to get them to escalate it, and even the bank manager does not understand, because it is a blatant fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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: Other problem getting your report or credit score

Complaint:
Dear CFPB, I am writing to file a complaint about TransUnion and the misleading information on its website. I recently attempted to sign into my TransUnion account and found that the website was blank, and I was asked to provide my credit card information in order to sign up for an account. I was misled into believing that this was necessary to access my credit information. 

I am very concerned about this misleading information on TransUnion 's website, as it has put my personal and financial information at risk. I am writing to ask that the CFPB take immediate action to address this issue and ensure that TransUnion corrects the misleading information on its website. 

Additionally, I would like to report that I was charged an unauthorized payment attempt on my credit card. I was able to stop the payment due to my card being locked, but I am concerned that others may not be so lucky. This is unacceptable and I believe that TransUnion should be held accountable for its actions. 

I request that the CFPB take swift action to resolve this issue and hold TransUnion accountable for any harm that has been caused to consumers. I would also appreciate a response to this complaint, including any steps that have been taken to resolve the issue. 

Thank you for your time and assistance in this matter. 

Sincerely, 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 2017-11-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX, 2017 I submitted a dispute via XXXX about an account I previously had with Citizens Bank. The previous week I had applied for an account elsewhere and was turned down and upon checking my credit file from XXXX I noticed I had been reported for an account abuse closure by Citizens Bank. While I did not dispute the fact that my account was closed with a negative balance I did and do dispute a reporting of account abuse on my credit file. In what was at best a few days later I received correspondence twice from XXXX one stating a investigation had began. The second a day or two later stating the account was affirmed. On Monday XXXX XXXX I contacted the Citizens Bank collections department not once but twice as to inquire why account abuse was reported. From my standpoint the account had not become overdrawn because of any transactions that were paid to any institution on my behalf for me to personally benefit from. My knowledge is that the account was closed because of return payment and sustained overdraft fees the bank accessed for not paying on my behalf. No checks were written no transactions were processed to the debit card the account was overdrawn because of bank fees. The first call resulted in me being transferred to a collection agency the second resulted in a hang up because the representative had became disrespectful over the phone which is the norm for Citizens Bank when you question there just accept it justification. In both calls I agreed to pay what was owed in full even though I dispute the amount. This would be contingent on the inaccurate " abuse '' reporting being removed from the file because I feel it was only reported in that manner as a form of retaliation or malice. I believe it was reported improperly to XXXX because Citizens knew that for that particular agency abuse could mean anything and would n't be questioned.

Company response to consumer: Closed with explanation
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: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently did an investigation on my credit report which has caused confusion, stress and the misuse of my credit file, finding multiple inaccurate, unverified and questionable items that the bureaus show not to have 100 % correct. 

Account Name : XXXX XXXX Account Number : XXXX The first inaccuracy I noticed, when I went into my local XXXX XXXX branch located in XXXX, Texas, I was given the paid off balance receipt of {$1400.00} due to making the first initial payment. However, the reporting balance amount on my credit report shows to be {$1500.00}, whereas the starting balance before my first payment was made of the loan was {$1500.00}? Are collection companies supposed to tack on additional fees? 

The second inaccuracy, when I pulled together my XXXX, XXXX and my Fico regarding the XXXX XXXX  account, I quickly noticed different months of receiving payment. Isnt my personal credit file that verily impacts my life, supposed to show accurate information? I have felt unheard and overwhelmed with credit bureaus not making sure everything is verified correctly before throwing any collections onto my credit file. The decisions of the credit bureaus, takes a huge impact on my financial future, therefore needing to make sure collections are verified and correct with everyone involved. Please take care of this matter promptly with a deletion due to inaccuracy and incorrect information that violates the FCRA law. Thank you for your time.

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 2022-05-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dept of EdXXXX XXXX XXXX1 Dept of ed/ XXXX XXXX Bankruptcy chapter XXXX BAnkruptcy chapter XXXX Bankruptcy chapter XXXX XXXX Bankruptcy chapter XXXX inquiries XXXX XXXX XXXXXX/XX/2022 experian XXXX cred XX/XX/2022 XXXX  XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022

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 2021-08-25
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My XXXX XXXX XXXX  that was serviced by XXXX  XXXX XXXX was transferred to Comenity. I used my new card for a home repair to get the points they offered me. I received my first bill from Comenity and it contained my billing for the large home repair. The bill was due on XX/XX/XXXX. I used XXXX XXXX from my bank account and asked that the check be sent to arrive on XX/XX/XXXX. The bank XXXX XXXX confirmed that they sent the check on XX/XX/XXXX. 

As of XX/XX/XXXX my large payment of {$10000.00} had not been credited to my charge card. I called Comenity and they stated that they hadn't received the payment. In order to prevent a late charge I paid the minimum payment amount. 

I contacted Comenity several times thereafter regarding the status of my payment, both in writing ( messages on their system ) and via the telephone. They responded that they would not report my card delinquent or charge me a late fee for 90 days while they researched it. The customer service representative stated that there was an issue with the conversion of XXXX accounts onto the Comenity system and that there were others who were affected as well. That they were expecting it to take approximately 3 weeks to get rectified. I stated that my bank said that I could put a stop payment on the check but to check with Comenity first to make sure they would not charge me a bounced check fee. They did not respond to that question but once again said that they wouldn't report for 90 days. 
I have now received my XX/XX/XXXX bill and Comenit is charging me {$160.00} in finance charge. I messaged them and they stated that since I had a balance that rolled into the next billing period I was responsible for the finance charge. This can not be correct since they have my check, did not answer me whether I should stop payment on my check and told me that it was a conversion issue. 
This servicer should be put out of business! I have had an issue with them before on a store credit card. They are robbers and are making money off not applying payments on time. 
Please help me out with this issue and pursue further for all the other customers that have been taken advantage of by this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-03
Company: Experian Information Solutions Inc.
State: AL
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 am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX XXXXXXXX, 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 2018-08-15
Company: AES/PHEAA
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:
These 7 accounts ( attached ) were first opened in the XXXX 's. I have been enrolled in several different payment plans and I have never once been late. ex : After I would complete a 12 month plan then I would receive information from so many different collection agencies instructing me that my account had been transferred and that I would be notified by mail whom the next collection agency would be. I always kept up my end of the bargain. Keep in mind I was always asking for deferment, constantly explaining my hardships. However, I completed every payment plan they set me up on and I believe it was a total of 3 - 5 maybe. I have been on a income based repayment plan for several years ( attached ) and I don't think its fair to continue to report this to the credit bureaus. I can not rent an apartment or even think about getting a job because this bad report keeps showing up on my credit. 
Furthermore ; these loans are from me attending several schools ; XXXX, XXXX, XXXX College, XXXX XXXX College and XXXX College.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I requested a Reinstatement Demand from my lender Fay Servicing so that I can reinstate my loan to avoid foreclosure. They stated it would take about 5-7 business days to receive the reinstatement in writing. Then I call back today only to be told the request never got put in and they will be putting it in today. This is really hurting me because I plan to take the funds out of my retirement and the only way they can release the funds is to have the reinstatement figures in writing. Now I am facing a foreclosure sale on XX/XX/XXXX and Fay is jeopardizing the loss of my home! They do not understand that this is all a process and I am doing my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, CAPITAL ONE AUTO FINANCE has Violated my rights. 15 U.S.C. 1681, Sec 602A States I have the right to my privacy. 15 U.S.C. 1681 Sec. 604A, Sec. 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$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 2022-05-23
Company: Upstart Holdings, Inc.
State: NJ
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 UPSTART Network Inc, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.

Company response to consumer: Closed with explanation