BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
This complaint is to inform the CFPB that Transunion is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 
In the case of XXXX XXXX XXXX account XXXX reporting date XX/XX/XXXX, On XX/XX/XXXX I mailed a certified letter along with 47 pages of the alleged lease agreement which did not bare my signatures. 

The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.

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 2020-02-11
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
There was an error on my credit report reported by XXXX XXXX XXXX XXXX in XXXX XXXX, MI. It is reporting that I was late in XXXX of 2017 on my camper payment. I was not. The payment was sent electronically and posted to the credit union savings account instead of applying it to the loan. I have contacted the credit bureaus and tried to get it resolved. They just look at the payment history and do not read the notes so they continue to verify it as late. I have a letter from the XXXX XXXX XXXX XXXX saying the reporting is incorrect but they the credit reporting agencies will not change the late payment to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Initially, I wanted to cancel my credit " XXXX '' monitoring services with Experian but I remembered the lady time this happened they lowered my credit score by 5 points. I questioned this with the company but they gave me a blanket response which indicated changes made on my credit report.I advised them, that I reviewed all aspect of the Experian ( XXXX XXXX XXXX ) file etc and nothing has changed in a course of 3 months+.Not to mention the points dropped only w/ Experian and on the same day I cancelled my subscription. Nothing else was said or done after that. I just re-subscribed and low and behold points jumped back up. Well, on XXXX XX/XX/XXXX, I went to log into my account to downgrade my subscription but Experian blocked me from doing do because payment was due. There wasn't an option to cancel or downgrade at all and you pay in advance for the subscription. I decided to let it ride but almost everyday I was getting emails about the declined payment. I even called on the XXXX of XXXX asking them how I can downgrade, they said I need to log in..I tried explaining to them " I was being forced to pay prior to making changes ''. Well, XXXX XX/XX/XXXX, I just gave inand purchased the account again. Which brings me to another issue..Experian is still charging me taxes when I reside in XXXX, Alaska XXXX is {$19.00} but every charge is $ XXXX got tired of disputing that as well because they will not refund the money. So, the main issue besides the forceful billing habits is that I'm now locked out of my account again as of XXXX XX/XX/XXXX. I restarted my subscription on XXXX XX/XX/XXXX... but between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, Experian unlocked my credit file, lowered my score and blocked me from using not to mention entering the account. I paid upfront for 30 days of service but they want to allow me only XXXX weeks of usage.

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 2019-05-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
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:
I am trying to close my account with HSBC and was informed today that the process of account closing is done entirely without documentation -- it is done verbally, over the phone. This is incredibly bizarre to me. I asked for any kind of documentation for my own records about closing the account and was told there is none. That is really shady, even for HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
ON XX/XX/XXXX, A DOMESTIC WIRE TRANSFER OF {$12000.00} WAS MADE TO MY CHASE CHECK ACCOUNT. CHASE SENT ME A NOTICE CALLED " ADVICE OF CREDIT '' STATING THAT THE MONEY WAS CREDITED TO MY ACCOUNT. THE MONEY WAS NEVER PLACED INTO MY ACCOUNT. I MADE A COMPLAINT WITH CPFB BECAUSE CHASE WAS NOT TELLING WHAT WAS DONE WITH MY MONEY. 
I ASKED CHASE TO TRACE THE WIRE USING THE IMAD AND OMAD NUMBER. I CONTACTED THE FEDERAL RESERVE AND I WAS TOLD THAT CHASE COULD DO THIS BUT I COULD NOT AS THE CONSUMER. 
CHASE RESPONDED TO MY COMPLAINT AND SO MANY INQUIRIES BY LETTER DATED XX/XX/XXXX THAT THEY COULD NOT FIND THE WIRE. CHASE NEEDS TO CONTACT THE FEDERAL RESERVE AND TRACE THE WIRE.

I HAVE ATTACHED MY WRITTEN COMMUNICATIONS WITH CHASE, INCLUDING TWO EMAILS WHICH WERE JUST IGNORED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NC
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 XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2022-02-05
Company: Capio Partners, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capio bought some old debt from XXXX. When they reported it to the credit bureaus it was listed as a new collection from XX/XX/XXXX instead of the original date. This is from a hospital where I did not receive adequate medical attention yet still received a full bill, despite having insurance. Aside from the cause of the debt, the date should be reflected as XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am a victim of identity theft. On or about XX/XX/XXXX, I received at least XXXX order receipt confirmations from XXXX XXXX XXXX XXXXComenity Bank with multiple items that I did not purchase. When I attempted to access my online account, the password would not work. It was then that I realized that my email was comprised and a hacker obtained access to my social security number. He used it to apply for credit, open bank accounts, raise credit limits, purchase items, etc. On XX/XX/XXXX, I called Comenity Bank and alerted them to the Fraud. They did nothing to address it. The rep gave me false information on the phone by stating that an investigation would be opened, the account would be locked, and I would not be responsible for making payments on the purchases I did not make. However, today XX/XX/XXXX, I received another order confirmation so he did not do anything to protect me as a consumer from additional fraud. I also received a UPS shipment the hacker made that was somehow re-routed to my address. I have not received any return phone calls from either XXXX XXXX XXXX XXXX  or Comenity Bank. They also left the fraudster 's phone numbers on my account, allowing him continued access to my personal information after I informed them the correct phone number is XXXX. I have the name of the hacker from an order receipt, XXXX XXXX, in XXXX, XXXX. I reside in XXXXXXXX XXXX at the same residence since XXXX, which is even more disturbing that Comenity Bank did not have enough security controls in place to suspect fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: I.C. System, Inc.
State: ND
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I stopped being a XXXX customer in XX/XX/2016. I contacted the company and told them I wanted to pay my bill and stop being a customer. I was not under contract. They refused to close my account. I reported this fraud years ago and it was removed, but it has been readded to my credit report without my knowledge, I just recently found out whilst trying to apply for a personal loan

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 2022-02-04
Company: I.C. System, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called IC System at XXXX about my account and requested a written debt validation letter from them two different times and while on the phone both people told me they do not have to do that and they refused to send me one. I need that asap and they will not work with me. They were extremely rude and would not listen to me when I explained that this was not my debt and by law they are required to send me a written debt validation letter. Then they hung up on me.

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 2022-01-02
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez Mortgage also known as NewRez LLC has ignored my request to take my account out of escrow, even though my original note never had this as a requirement. I wrote my first letter to them in XXXX of XXXX after my mortgage was sold to them. Unfortunately, this year, they have taken almost {$4800.00} in escrow and although they claim they have paid my property taxes, they have not. As of today, ( XX/XX/XXXX ), they are still unpaid. I have a telephone recording where the representative assures me they were paid on the XXXX of XXXX. As I can see online, I'm not the only person this has happened to. XXXX XXXX XXXX? XXXX In XXXX of XXXX I was suddenly unable to make my mortgage payments online due to an " invalid bank account number, '' even though I have had the same bank account number stored ever since my mortgage was sold to them in XXXX of XXXX. As I suspected, this has affected others as well, as they are charging late fees when customers are unable to complete their payments online. In the same recorded phone conversation mentioned above, I have the same customer service representative stating that on XX/XX/XXXX, someone notated something to the effect in my account that this issue was fixed, however, it was not. I was unable to make my XXXX payment online and had to call to make my payment over the phone. 

This company appears to be profiting off of their dishonest practices of supposed " technical glitches '' that they promise to fix, but do not fix, and all the while they are charging late fees. Additionally, I am ALARMED at the amount of people who are complaining online, ( of which I am one ), about NewRez NOT paying property taxes and/or insurance for which they have collected the money. 

I can not afford to pay my property taxes twice. I am in Texas, and with a property tax bill that is almost {$5000.00}, I would have to come up with another {$5000.00} right now in order to pay again. Additionally, this puts a worse tax burden on me as now my property taxes were not paid in XXXX. Is there anyone who can help me get released from escrow at NewRez and force them to pay my taxes with the money that I have already paid them?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, 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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone has applied for a XXXX XXXX Credit card, a XXXX  store credit card and for a XXXX credit card since early XXXX without my consent. I feel it XXXX be someone from my old address because when I contacted XXXX they asked if I lived now at am address where I resided 4 years ago. I have reported these fraudulent activities to the stores where credit was applied and to XXXX. XXXX informed me that they denied the application but XXXX and XXXX XXXX didn't say. I have locked/frozen my credit reports since but do not know what to do about the points i am losing on my credit for inquiries that are being made?

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-06-26
Company: EQUIFAX, INC.
State: IL
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX and XXXX It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company ( Chase ) sent me a letter stating that they will close my account, and didn't provide a reason. The letter looked unusual and suspicious, and listed a phone number to call for more information, that I did not recognize. Due to the suspicious nature of the letter, I called the number on the back of my card to verify, and the Chase representative assured me that my account will not be closed ( XX/XX/XXXX ) and that the letter must have been either a scam or was sent by mistake. Today ( XX/XX/XXXX ), I have learned that the account has been closed, and the Chase representative can not tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-01-02
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Several dispute letters have been sent to all three Credit Bureaus relaying that Company is no longer is business. Company is no longer in business. A letter was sent on XX/XX/2021 and was sent back to Consumer. 
[ Exhibit 1 ] with a RETURN TO SENDER-NOT DELIVERABLE AS ADDRESSED-UNABLE TO FORWARD. Creditor is not apart of the 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 2023-08-26
Company: GOLDMAN SACHS BANK USA
State: PA
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:
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 instructions.

15 USC 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