BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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: Georgia Student Finance Authority
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 Report Act, this creditor has violated my rights. Under 15 u.s.c. 1681 section 602, states that i have a right to privacy. 15 u.s.c. 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 explanation
Consumer complaint received 2023-01-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, there was a withdrawal of {$800.00} taken out of my chase checking account at an ATM. The transaction was not done by me. Once I saw this transaction occurred on my account I reported it to chase XXXX department and they said there will be an investigation. They closed my debit card and issued me a new one.They subsequently refunded the money back into my account pending their investigation. The claim was then reversed on XX/XX/XXXX and the money was again taken out of my account. I called chase again to rectify the situation and they said after their investigation it was determined that it wasn't a mistake because it was an atm withdrawal with a chip. Again, it was not a transaction that I did and when I asked for more information or video footage to determine who the culprit was they said they could not provide that to me. Now I have an overdrawn bank account with a negative balance and no solution to the fraud that's been occurring on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: GA
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:
Please Remove these addresses that do not belong to me my only address is XXXX XXXX XXXX XXXX ga XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: JPMORGAN CHASE & CO.
State: NJ
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:
J P Morgan Case Auto Finance is report incorrect information on my credit. Including recently updating my credit file to reflect incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. 

On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. 

Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.

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 2021-03-15
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 XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: GUARANTEED RATE INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX of XXXX I took out a mortgage on XXXX XXXX XXXX # XXXX, XXXX IL XXXX through Guaranteed Rate , Inc ( " GR '' ), account number XXXX. GR filed a lien on the XXXX XXXX property register document # XXXX on XXXX XX/XX/2004. GR say they subsequently transferred the mortgage to XXXX, thereby ending GR 's interest in the property. GR has not updated the XXXX XXXX property register showing that it no longer holds a lien against the property. They say that XXXX had responsibility for updating the registry and did not do so. I am currently refinancing the property and my new lender requires a release for document XXXX as evidence that GR no longer has a lien against the property. GR have confirmed in writing that they never updated the public property register and are refusing to provide the release. GR state that XXXX must provide the release saying that GR has no lien. I am in jeopardy of losing my rate lock and incurring additional costs if my refinance does not go through due to the lien registered by GR. My husband and I have called GR 8 times, spending hours on the phone and being transferred around, and have sent more than half a dozen emails to senior GR management, copying XXXX, and have had no resolution from either yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I got scammed yesterday, XX/XX/XXXX. A man pretending to be my uncle from XXXX asked me for money because he was being held at the XXXX XXXX. I believed him and he told me to send money to his attorney from the airport. I sent two payments, one for {$900.00} and the other for {$500.00}. I realized it was a scam when he called me again and asked for more money. I reached out to my bank and they cant do anything about it. I reached out to Remitley and they said they couldnt do anything either. They have her account information so I dont see why they cant refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
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'd like TransUnion and XXXX to delete the unauthorized and fraudulent account on my credit report because they're causing me financial distress.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-09-15
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit 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:
Hello, I applied for the Amex XXXX XXXX XXXX credit card and was approved on XX/XX/2023. I signed up using a bonus offer through XXXX where the terms state one can " earn a {$200.00} statement credit after you spend {$2000.00} on the card within the first 6 months of card membership. '' I have attached a screenshot of the offer advertisement. 

I hit the threshold very quickly, as I had a couple of large purchases planned. I have included a screenshot ( with no personal information identifiable ) of my first statement that shows I hit the {$2000.00} threshold on XX/XX/XXXX. 

The promotion terms stated I could expect to receive my {$200.00} statement credit between 8 and 12 weeks after one hits that threshold, between XX/XX/XXXX and XX/XX/2023. After XX/XX/XXXX passed, I called and filed an Escalation Ticket ( ID : XXXX ). After several weeks passed without me receiving the {$200.00} credit, I called back on XX/XX/XXXX. They then told me the " deadline for resolving the ticket is today! So you should see it within a couple of days! '' It has now been over a week, and I do not want to keep calling them when clearly they aren't resolving anything. 

I have also attached a screenshot of the full list of statement credits and payments that have been made since I opened my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: NY
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:
This is a complaint regarding XXXX XXXX. 
I leased a new vehicle in XXXX, paid the first months payment at the lease signing. 
I never received a bill for the 2nd payment but when they contacted me and I sent out a payment right away. 
Again I didn't receive a bill in XXXX and then sent in a double payment to cover 2 months. They claim they didn't receive it until weeks later and then proceeded to report a delinquent amount for the entire value of the lease ( {$21000.00} ) to the credit bureau, which has severely affected my credit. 
They themselves claim they have " no control over the U.S. Mail '' but then penalize me for receiving the payment check late. And they are reported the entire lease amount as delinquent even though the according to them I was only late 1 months payment AND the account was made current a mere week later than when the show the late payment due.

They then reported to the credit bureau 2 weeks later, while my account has been fully current. 
And to preface all this, this is my XXXX vehicle lease with XXXX XXXX, I've never had a late payment in 6+ years of leasing through them. This a predatory practice and they are ruining my credit score even though I am just trying to pay them on time according to their bills.

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 2022-10-27
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
To whom it may concern, I attempted to extend my credit for {$20000.00} on XXXX XXXX, 2022. The Truth in Lending Act pursuant to 15 U S. Code 1601 ; it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
I am aware of your company 's discriminatory practices, as well as your unlawful and unjustifiable means when making decisions. I performed a consumer credit transaction and was denied my right to an extension of credit through you ; creditor after applying in good faith which violates 15 U.S. Code 1691 ( a ) ( 3 ). A transaction took place using my credit card as per 15 U.S. Code 1602 ( l ) and I the consumer never benefitted which violates 15 U.S. Code 1602p. 
As a consumer, I am protected by XXXX XXXX Chapter XXXX. Pursuant to 15 U.S. Code 1692c ( c ) ( 3 ), I am hereby invoking my specified remedy as a consumer and the original creditor : 1. Grant me my right to an extension of credit.

2. Report all payments as paid in full, satisfied.

3. Deletion from all consumer reports. 
Failure to honor the demands provided within 14 days of receipt of this notice may result in litigation. 

Kind Regards, XXXX XXXX Without Prejudice XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: MO
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 act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Has violated my rights XXXX XXXX has violated my rights XXXX Mortgage service has violated my rights 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 instruction.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TRANSUNION has violated my Consumer Rights.

- 15 U.S. Code 1681a ( 4 ) : Consumer Right to Privacy -15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) : Obligations with respect to disclosures of personal information. I was not made aware of my right to OPT OUT of my information being shared.

- U.S. Code 1681b : Permissible Purpose of Consumer Reports -FDCPA 8012 : Furnishing Deceptive Forms : furnishing inaccurate inquiries and accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX Please remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. This is the account : 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 2020-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I use my app bank of America to sent they money via XXXX and the person never received the money ... 
I call the bank several time .we go at the bank too ... they review the third part account and the know that he never received that money But the bank don't want to give me 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 explanation
Consumer complaint received 2023-01-15
Company: CCF Intermediate Holdings LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
2014 I have tried multiple different times to dispute this on the website because the account has been closed for so many years. At one point I was sent a letter saying my personal information was hacked.

Company response to consumer: Closed with explanation