BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted a three credit bureaus and most recently TransUnion to get my credit unfrozen and unlocked due to someone else accessing my account and chancing my information. And it keeps locking me out and most recently on XX/XX/XXXX there were memos placed on my credit report with information that isn't mine an a phone number I have never had. I moved to XXXX XXXX and recently had my wallet stolen and it has been a completely aggravating time trying to get my credit reports and credit back to where only I have access to it, even acquiring XXXX to help monitor my credit and my information from getting on the dark web and being used. I have had the most difficult time in an already stressful and difficult situation. I just want my credit reports to have the correct information and only MY INFORMATION and for the credit bureaus to do there job for me, a consumer.

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 2023-07-08
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: Public record information inaccurate

Complaint:
Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureau 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 ( TRANSUNION ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2015 Reference # : 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 2018-08-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Chase bank send an offer in the mail to get {$300.00} bonus money when i open a new checking account with direct deposit. bonus will be deposited within 10 days of direct deposit hitting the new account. After direct deposit hit, chase didn't deposit any {$300.00} into my account so i called the customer service line, i was told there in no incentive payment pending for me and they didn't see any coupon added to my new account when i opened it. i was told to contact the branch where i opened my account with. I contacted them and i was told the guy is with a client and will call me back. they took my name and number but no one called me back. the next day i went into the branch myself and spoke to XXXX the man who opened my account. he stated he didn't know what happen and he will have to get his supervisor to approved the bonus but his supervisor is gone for the day and will informed her the next day. i didn't hear from them again after couple of days, i called and spoke to XXXX and ask about my bonus, he said his supervisor will try and get it approved and now it's been almost 2 weeks and i haven't heard from them again and no money is deposited in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX  data breach and this may be the way my information got into the wrong hands

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 2023-07-12
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX, I wrote to complain about Webster Bank regarding an issue Am having with SBA, which CFPB were so helpful by contacting Webster bank. I want to bring to your notice that, the Bank has still not fixed the problem by returning the loan amount of {$60000.00} Covid relief loan that SBA granted me but was seized by the bank in 2020. As we speak the money is still with the bank whiles I am servicing the loan every month. All attempts for the bank to refund the money to SBA has failed. I have placed several calls to Webster Bank to help resolve this issue, at a point I was told to even make payment before my file can be pulled. SBA is also saying until they receive the money from the bank, there is nothing they can do. I see unfairness on my part as to why I should be paying for a loan that I have not received. After my complaint to CFPB, I got a letter from the bank stating that, they thought its was fraud thats why the money was seized and that they were going to deal with SBA and refund the money but as at now they are still holding the money whiles I make payments to SBA every month because they are constantly making demands and am also protecting my credibility. Pls help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
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:
On XX/XX/2020, I made a call to XXXX support, from my cell phone, attempting to troubleshoot some difficulties I was having with my phone. Unbeknownst to me, I had dialed a bogus XXXX number. During this conversation with " XXXX '', I was informed that my phone had been hacked, and that my financial information that was in my phone had been compromised. This fake XXXX support individual proceeded to explain to me that they had to " entrap '' the hackers, and the way they accomplished this was by installing certain apps on my phone ( XXXX and XXXX ), by which the hackers would attempt to withdraw money, and then be caught in the act. I unknowingly allowed this fake XXXX support person to put these apps on my phone, and he was then able to withdraw money from my checking account, in the amounts of {$960.00} two times within several minutes. ( I will mention to you, that they were also able to manipulate me into a gift card scam, which was another several XXXX dollars, but I am taking responsibility for being foolish and falling for that. ) My complaint is because my bank ( NY Community Bank/Roslyn Savings Bank ) allowed these 2 transactions to take place, without seeing a " red flag '', and contacting me first to inquire as to whether or not this was legitimate. I received 2 other phone calls, from 2 other banks that I deal with, where the scammer had attempted to access my bank accounts, and the bank had thwarted them, and called me first, thereby saving me from further financial damage. I have attempted to file complaints with NYCB, the first of which was denied, and the second appeal is going to be denied ( I spoke with a vice president for retail help, who advised me of this ). I just don't understand, how 2 other banks were on top of this, and called me to question the charges that were about to be made, and by calling me, those charges were intercepted and prevented. However, NYCB allowed these 2 very questionable charges to be withdrawn from my account without even batting an eyelash. My husband and I have been customers of NYCB for well over 20 years, and have had a stellar record in all of our bank dealings and transactions. I am absolutely devastated that this bank would not even consider restoring this money to me, which is money I can not afford to have lost. I am beyond disappointed in their response, as I do think they should have at least questioned the back-to-back withdrawals for the same unusual amount. Thank you for any help and/or advice you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX we had an emergency with our pet ( dog ) and we went for medical treatment to XXXX XXXX XXXX, located in XXXX, CA. Due to the high cost of the treatment for our pet we request a credit to the company CareCredit. The credit card was approved and we were able to get the medical services we needed to saved our pet life.

When we get the approval, nobody give us any information about a " Promotional Offer '' nor something similar, not even the people of XXXX or CareCredit. 

After this emergency, we start doing the payments directly to CareCredit, using their app, because this is not a regular credit card, and we didn't have any other transactions to be aware of, we just proceed every month with the payments. 

On XX/XX/XXXX we noticed the balance in the app was pretty much high the since we started doing payments and the last month balance, so I checked the statement and we noticed that a charge of {$1900.00} for " interest charges on purchases '' was applied to our balance, we were in shock, because they were charging interest fees every month, so we thought that this should be a mistake, and therefore, we proceed to call the company CareCredit to get this issue resolved. 

The customer service representative was very rude, telling me that we know about this " special promotion '', we tried to explained them that nobody, ever, explained XXXX something about this deferred interest, and we weren't aware of this. The customer service representative, again in a very rude tone told me that even if nobody explained me that we had " deferred interest '' promotions in our card, we are responsible and if we want to get this charges removed, we must do a payment of {$1800.00} ( more/less ) before the XX/XX/XXXX. 

This is not just unfair but misleading, this company is charging a huge interest ( the original loan amount was {$3700.00} and the interest is {$1900.00} more than 50 % not including the other interest charges they made before ). They treat customer in a very rude way and push you to pay this abusive interest with no way to resolve this.

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 2018-04-23
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Yes, On XX/XX/XXXX, I sent a certified letter requesting a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C 2605 ( e ) to : U.S. BANK NATIONAL ASSOCIATION C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX This is the address I was told to send my request. It has been more than 5 days and I have not received an Acknowledgement of my request for the Qualified Written Request. 

I have attached a copy of the letter that was sent to them and the receipt from the post office that they signed for the letter. 

I have also attached a copy of the Securitization Analysis Report dated XX/XX/XXXX. Please note that this is the 2nd time I have requested this information from US Bank and they have not complied. Thank you for your time and consideration. 

I have also attached a document that they used in Bankruptcy court that I did not sign. I would like for them to send me proof of evidence that I was actually in XXXX XXXX County in XX/XX/XXXX. I did not sign this document. This 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 explanation
Consumer complaint received 2023-07-20
Company: CCS Financial Services, 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:
I am filing this complaint to CREDIT COLLECTION SERV there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying to arrive at a resolution with this company about this debt I have with them. They are a collection agency collecting for an apartment company that I highly disagree with the exaggerated dollar amount they are inflating and claim is rightfully owed. This is one of the more difficult problems I have faced as these companies inflate the debt with bogus charges and have no oversight or supervision from regulatory agencies so a small debt can turn exponentially large without merit, but also without recourse to fight it. Therefore I have been trying to negotiate a settlement with this company but there refusal to cooperate or provide me with a reasonable way out is extremely discouraging, unfair and abusive. Therefore I am imploring the CFPB to investigate the validity of these bogus inflated charges against me and as a whole audit the aggressive collection tactics deployed by IQ Data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
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: Information is missing that should be on the report

Complaint:
I learned a few weeks ago that Experian was not reporting all of my accounts. My XXXX XXXX credit card accounts and my Student loans were not included. I called them and asked for help. They said they filed a report and would get back to me. They haven't. I then learned that XXXX of my XXXX XXXX XXXX XXXX were closed. This is my main credit card and is essential to me. I called XXXX XXXX today and they said that the account was reported as Fraudulent therefore the account was automatically closed. I received no notice of this. I only realized it when I logged in to my account this morning. I called Experian today to report on this and was put on hold for 2 hours. I gave up and called again later. This time when I called, there was no option for me to reach the fraud or dispute department from their phone options. I had to call a random department and get them to connect me to someone there. Then while the agent was researching my report, they hung up. I called again, and someone from disputes told me that I have two Experian records with two different PINs and that he would put in a request to merge the two. He sent me to someone else to work on the closed credit card issue. I found out the following day that my twin sister 's experian account was being mixed up with my own. They had been reporting it incorrectly forever as far as I can tell. We have similar names and same birthdates. There is definitely concern with how my sister was able to report the XXXX XXXX account as fraud. I'm not sure what identification she verified but the XXXX  XXXX account has all of my information on it, yet she was able to close the account. I believe XXXX XXXX may also have dupe records and perhaps she verified the one that Experian was incorrectly reporting. As of today, we have cleared up the issue with my credit card however Experian is outstanding.

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 2023-10-19
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 information incorrect

Complaint:
To Whom It May Concern, I am writing to submit an official complaint to the XXXX XXXX XXXX XXXX XXXX  ) concerning my interactions with XXXX, TransUnion, and XXXX. Despite numerous attempts to address inaccuracies on my credit reports, I have not witnessed any substantial progress or received confirmation that the discrepancies have been promptly rectified, as mandated by the 15-30 day time frame. These inaccuracies have caused significant financial distress, and I am in dire need of a timely resolution. 

I have repeatedly initiated contact with the credit bureaus through their official dispute channels to rectify inaccuracies linked to dates, prices, credit account numbers, and account information. These errors on my credit reports have presented considerable obstacles in securing loans, housing, and vital financial services. I have attached copies of my credit reports, underscoring the discrepancies, along with the records of my prior disputes for your reference. 

The absence of a constructive response and a swift resolution to these inaccuracies has given rise to unwarranted financial hardships. I am deeply concerned about the adverse influence of these inaccuracies on my creditworthiness. I am pursuing the following actions to mitigate this situation : A comprehensive review and the immediate correction of all inaccuracies on my credit reports, in line with the legally required 15-30 day period. 
A directive to XXXX, TransUnion, and XXXX to expeditiously update my credit reports with the revised and accurate data. 
An equitable compensation to address the financial losses I have sustained due to these inaccuracies, which include economic hardships and emotional distress. 
I firmly believe in the critical significance of dependable and equitable credit reporting to maintain financial stability. The credit bureaus have not met their duty of providing accurate credit data and have been instrumental in causing financial distress and challenges. 

I humbly request your assistance in facilitating the resolution of this issue. Please provide updates on the progress and outcome of this complaint. I stand ready to cooperate completely by providing additional information or documentation, as may be necessary, to expedite this dispute. 


Thank you for your expeditious attention to this urgent matter. I trust in the XXXX XXXX commitment to ensuring the practice of fair and accurate credit 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 2023-07-08
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: Old information reappears or never goes away

Complaint:
In response to my previous complaint the credit bureau advised that the disputed item is updated. However, they did not delete the disputed item which is over 7 years old. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : 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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My right as a consumer is being violated according to " 15 usc 1681 a 2 ''. In Accordance with the Fair Credit Reporting act, Account Name : XXXX XXXX Account Number : 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I contacted Capital One on numerous occasions letting them know the Credit Card belongs to my Ex Roommate XXXX XXXX XXXX and needs to be removed from my Credit Card account and transferred to him. XXXX XXXX has chosen to ignore my requests time and time again. I contacted XXXX XXXX last year XX/XX/XXXX and continued to contact them every month thereafter until XXXX of XXXX. I'm not responsible for his continued use of this card. He knows he is to pay it off and destroy the card, however, he chooses to ignore this advise/direction and continues to NOT pay what's owed & continues to use the card. The limit amount is {$3000.00} and he keeps charging NOT paying until he again several times exceeds the card limit. I am the victim of identity theft from XXXX XXXX XXXX XXXX. XXXX just won't stop using the XXXX XXXX card & refuses to pay the card off knowing full well it goes against my credit score/history and not his.

Company response to consumer: Closed with explanation