BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see the attached documents to understand what had happened.

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 2022-05-18
Company: Experian Information Solutions Inc.
State: GA
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 ( XXXX XXXX Co, ) 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.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2021-10-06
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to understand why this company has not applied over {$4000.00} that i have paid onto my mortgage which is still stating I am behind for almost a year. I have bank statements from XXXX that shows payment every month since XXXX  when i purchased. I was put into a forbearance without my approval. Every time i call I have been told they can not tell me what is going on. They will not allow me to speak to upper management. The mitigation department has told me i do not have to pay XXXX payment but i have to pay {$500.00} which is not true. I called my lawyers and they directed me to file a complaint against US Bank mortgage. They have my account so disturbing and confusing and no one is trying to address the issue. I had a representative tell me out of frustration on her behalf that their systems are talking to one another. I refused to pay any further mortgages until this mess is straighten out. Every department tells me something different and i have no idea what is going on. My attorney has sent authorization for them to speak with me and still no assistance is given. This bank has me very XXXX. It appears that maybe fraudulent is occurring. Please Assist!!!!

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 2021-10-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX0days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
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: Personal information incorrect

Complaint:
Incorrect addresses below are showing on my credit reports and I have asked previously for them to be removed. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL 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 2021-10-06
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:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I Tried to fix an account that show balance and wrong status in my credit report. I tried to open an investigation multiple time in XXXX, XXXX and Equifax. I do not received any response. I open a Fraud Alert because I see my report and I found that account. I completed an FTC report and send it again to the three mayor bureaus and again, no received any response or any letter from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NY
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: EQUIFAX, 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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Complaint regarding Chase Bank 's Misleading Practices and Unfair Treatment I am writing to file a complaint against Chase Bank regarding their misleading practices and unfair treatment. I was provided with incorrect information by Chase bank when I opened a savings account on XX/XX/2023, which resulted in me missing out on a promised {$900.00} bonus. Here are the key points of my complaint : - False Advertising : Chase bank email advised me that I could open a savings account and receive a {$900.00} bonus.The condition was to deposit {$15000.00} within 30 days of opening the account and maintain it for 90 days. However, XXXX later informed me that the money had to be deposited XXXX days right after opening the account, they just refuse to recognize the 30 days time frame. On XX/XX/XXXX, my account surpassed XXXX, so I suppose to receive the bonus 90 days from XX/XX/XXXX, however, the customer service insist I will not and they start to count the time on XX/XX/XXXX. 

- Inadequate Customer Service : The customer service lead, XXXX, refused to provide any further remedy or resolution. 
Despite my explanation and concerns, XXXX continuously assured me that I would not meet the requirements for the bonus. He also refused to further escalate my case. 

- Unfair Interest Rate : Chase bank did not offer a fair interest rate on my savings account. 
I did not receive a competitive rate compared to other financial institutions. During the time of my saving deposit, I have only received a interest payment of XXXX USD. 

- Opportunity Cost : By keeping my money with XXXX for the required XXXX period, I incurred an opportunity cost. I could have invested the funds elsewhere, potentially generating a better return on investment. 

I find Chase Bank 's practices to be deceptive, resulting in financial loss and a lack of trust in their services. I believe that these practices violate consumer protection regulations and request that the XXXX XXXX XXXX XXXX investigate this matter thoroughly. 

I have attached any relevant documentation and evidence to support my complaint. I would appreciate your prompt attention and assistance in resolving this matter. Thank you for your time and consideration. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I am trying to close on the sale of my property, and there is an outstanding lien against the property. The HELOC in question was satisfied several years ago, but the satisfaction letter the bank sent to the county references the incorrect loan. Closing is scheduled for tomorrow XXXX so I doubt anything will get resolved today. But as it stands, I am just a name on their list of many requests to satisfy and I have been for over a week. I have done my own research with the County and the records are attached. Satisfaction letter ( instrument XXXX ) references a loan that was originally recorded as instrument # XXXX which does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX using 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXX of 2023 I took advantage of a 0 % APR credit offer from a seldom used Bank of America credit card. The offer promised 0 % APR for about 18 months from the date of the draw. I drew {$13000.00} against this offer. A month later, XXXX, an automatic payment was attempted for the entire {$13000.00} to clear the card. The payment bounced and a fee was charged against my account. The following month, XXXX, another automatic payment was attempted which succeeded. I contact BofA to complain about the fees and overpayment. They waived the fee and escalated my case for reversing the payment. The representative took down my banking information and said the case would be resolved soon. A few weeks after I called to check the status. The representative had no knowledge of the case and again took my bank information. A couple weeks after that I called a third time. That representative told me that I would need to call the case department. The following morning I called the case department and the representative said that each time I had called they had created a new case which extended the time to resolution. She also explained that BofA would be PAPER mailing me the confirmation. I had never elected paper communication with BofA. She then told me that the time to resolution would be several months. At that time I decided to close my account. A week later I received a check for the overpayment in my account ( ~ {$28.00} ) and I had also lost access to the account on the mobile app. This week XX/XX/XXXX, I received a call from BofA telling me that I had a past due payment of {$130.00} and that my total outstanding balance was over {$13000.00}. After spending an hour on the phone with 5 representatives, I was told that BofA ( in their infinite wisdom ) had decided to memo {$13000.00} against my closed account and then had issued a paper check for me to deposit and then pay against the new account. I neither authorized the account to be reopened nor had I received any notification that the account was reopened. This could adversely affect my credit and has caused me undue stress and wasted time. In my decade working in the financial services industry I have never seen such incompetence. The lack of coordination between BofA departments and the lack of communication to a customer has been disgusting. I have no faith in BofA and I suspect that this is linked to liquidity issues in the wake of the current banking crisis.

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 2021-10-06
Company: DISCOVER BANK
State: SC
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:
On XX/XX/XXXX, my credit report was pulled by Discover Financial Ser and this was not by my consent. 
I would never try to apply for any Discover services and I have never been interested in doing so. 
This caused my credit score to drop since it was a hard inquiry. I have tried numerous times to get in touch with this company, with no outcome. 
I am not sure as to why Discover is on my credit. My parents had an account with them before they passed away and I did have the same home address as them. So I believe this company ILLEGALLY pulled my credit, since I would NEVER even consider them to have credit with. 
I need this taken off of my credit report. 
-- -- XXXX XXXX has pulled my credit so many different times and I have contacted them with letting them know I have never put in for a loan from them and to take it off of my credit report, with no help from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/XXXX A dispute has bee filed with each Credit Agency. Equifax, XXXX and XXXX, XXXX XXXX XXXX. As well as my second complaint in the past 3 years with Consumer Financial Protection Bureau. I made submitted a dispute in XXXX and the account was removed from my reports and then a few months later placed back on my reports as well as my business credit reports. It has prevented me from obtaining funding for my business. Constantly accessing my credit without my consent. Reporting late payments currently on a closed account/ charge off that isn't mine. I was told by XXXX XXXX that the account was FRAUDULENT and they repossessed it that it would be removed from my credit report. I have requested bourdon of proof several times I was a victim of the of the Equifax data breach as well as XXXX. XXXX XXXX saw that I tried to obtain a credit card which I was denied due to inaccurate/ fraudulent. XXXX XXXXXXXX XXXX  XXXX. How did they get my current information? They offered me a credit offer for a XXXX XXXX on XX/XX/XXXX. I declined the offer due to my not opening the account at all. They have sold the account to other Collection Agencies then report as if its a new account. These are the dates : XX/XX/XXXX I contacted XXXX XXXX after it was on my credit report. I disputed them 9 or more times.XXXX, XX/XX/XXXX after it had been placed on my business credit report, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX until I wasn't allowed for a while until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: DISCOVER BANK
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
On XX/XX/21 I dined at XXXX XXXX in XXXX, a local restaurant that I have been to o a number of occasions ( as documented on my Discover charge history ) and that boasts of being the best restaurant in XXXX. On XX/XX/21 just 2.5 hours after dining at XXXX, I started XXXX  XXXX  incessantly into the morning hours requiring hospital treatment -IV fluids, medication, etc. Later on my XXXX XXXX XXXX daughter began XXXX  XXXX  as well. I also provided documentation of a call made to her pediatrician for this as well as my hospital discharge summary coinciding with the time I was treated and for what and how I was treated and where. I contacted the merchant via telephone and XXXX messages after they responded to a review I left however never heard back. 

I initiated a Discover Dispute based on the services I received. When I telephone and speak to them including a manager by the name of XXXX, I was told repeatedly there is nothing Discover can do if the restaurant provided a receipt. XXXX stated this is a he said she said thing and because the restaurant is providing a RECEIPT there is nothing Discover can do. I attempted to explain in DETAIL that I have hospital RECORDS as well as my daughters pediatric records showing the date that we were both treated for XXXX  XXXX  because of the chicken at this restaurant. I uploaded my discharge summary verifying this, meeting my burden of proof for bad service yet Discover is unwilling to even consider or LOOK at my proof as is in within my right. I proved that I was provided with not only an unsatisfactory service that I should not be liable for but a DANGEROUS one that required hospitalization, missing 3 days of work, and acquiring these bills as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2021-10-06
Company: Experian Information Solutions Inc.
State: WA
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:
Disputed thee items. I am aware credit bureaus are working from home. I dont understand its been over 90 days and nothing had been validated this debts belong to me. There is plenty errors being reported on 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 explanation
Consumer complaint received 2021-10-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My personal information was stolen and multiple cards where opened in my name and maxed out. Ive sent FTC AND POLICE REPORTS AND THE CREDIT CARD COMPANY IS STILL REFUSING TO REMOVE THIS ACCOUNT AND CHARGES

Company response to consumer: Closed with non-monetary relief