BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-05-10
Company: JPMORGAN CHASE & CO.
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 following inquiry on my XXXX credit does NOT belong to me : Chase Bank Usa, N. A Inquiry dated XX/XX/2019 Chase called me and told me that someone tried to falsely apply for credit using my social security number and that they denied the credit. However, Chase has failed to remove the inquiry from my XXXX  credit report even after I sent them a letter to the following address : CHASE BANK USA, N. A. 
XXXX XXXX XXXX XXXX, DE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are several inaccuracies on my consumer report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2020-01-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
This is unbelievable this bank and credit card company is ripping me off entirely I lost my husband and job and they dont. Care they want their money Im behind 2 months I cant afford their minimum payment and my balance was {$6000.00} now they want {$8500.00} their crazy and refuse to remove the interest charge they are giving me a hard time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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: 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 items XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$110.00} ( Original Creditor : ) XXXX Balance : {$210.00} XXXX CARD XX/XX/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 2021-09-17
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a complaint to Experian about a data furnisher would never responded to my original dispute. In the complaint I detailed the event and also explained how Experian had been in violation of FCRA code for allowing an account to remain on my report that had inaccuracies. The account I disputed showed an updated status date of XXXX, when in fact, my dispute letter went out to XXXX  in XXXX of XXXX. XXXX  responded with a general message, saying that they would conduct further investigation and contact the original data furnisher about the case. Shortly after receiving their updated response through the CFPB portal, I received an email from Experian saying that my dispute results were ready. From my understanding, Experian did not in fact re investigate my situation, ( another violation grounds for automatic deletion ). They simply updated the status to XX/XX/XXXX. I'm furious as to how things like this are acceptable within this industry. How is this company allowed to control such things that directly affect the livelihood of consumers? I want the XXXX XXXX information deleted from my account for lack of proper investigation on a dispute by Experian, & failure to respond to a dispute within 30 days by 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 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bank of America was supposed to process me a credit balance refund request for {$720.00} when I closed my student credit card account because of a dispute. However, someone had fraudulently claimed my check. I was trying to explain this to them over the phone. I have called the bank almost 15 times over the past year, and I've spent over 20 hours over the phone trying to resolve this long running issue but the bank does not want to assist me it seems. It went from being transferred from different departments to agents claiming they will research the matter and get back to me which never happened. One had even claimed they will send me the check to my current address because of the fraudulent claim but it never occurred. Very shady behavior from BofA when it comes to helping people who have been a victim of check 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 2023-03-30
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Due to the bank reversing transactions, I overpaid on the credit card account by {$5900.00}. It has been a hassle getting my money back from them. They are telling me that they need to research and will issue a refund after 30 days. These guys are not even paying interest while they have my property. Basically, they are stealing from me and hiding behind some bogus rules of theirs. When consumers owe the banks money, they hound on you to get their money back. In my case, the roles are reversed and this bank is hesitant to work with me to return my property back to me quick. This is unbelievable and their communication has been like 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 2021-08-30
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have had my bluebird card for awhile now and have been getting stimulus payments and my child tax credits on it and I withdraw money from another card to add onto my bluebird account and today it tells me my account has been permanently suspended and I cant get ahold of them the automated message just hangs up on me and tells me to write them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-30
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: Account information incorrect

Complaint:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: GOLDMAN SACHS BANK USA
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
This is a follow-up on my earlier complaint with CFPB ( Complaint # XXXX ). 

On XX/XX/XXXX I called Goldman Sachs / Apple Card Services to make payments to my account since I had been unable to access account since XX/XX/XXXX after I called to dispute the error on my credit card statement. I also requested my XXXX credit card statement to be sent to my address since I couldn't access it ( given no access to my account online or on the apple wallet ). 

I received my XXXX credit card statement on XX/XX/XXXX. Upon review, I noted the following : 1. My XXXX balance is still showing that I purchased 2 ( XXXX ) XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX instead of 1 ( one ) XXXX that I purchased per Order # XXXX. 

2. I was charged an interest fee of {$22.00} based on the erroneous balance of {$1200.00} ( this has been incorrect since XX/XX/XXXX when Apple/Goldman added a product that I did not purchase on my balance ). 

It has been over 2 months since I notified Apple/Goldman Sachs about the error on my credit card statement but they have refused to update my statement and continue to charge my interest fees for an amount that I do not owe, and to report an incorrect balance to the credit bureaus. I have attached the following : - a copy of the XX/XX/XXXX credit card statement, - a copy of the XX/XX/XXXX credit card statement, - a confirmation for the XXXX purchase referenced ( Order # XXXX ) - a confirmation of the successful trade-in per Order # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-13
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: Account status incorrect

Complaint:
ITEMS WAS DELATED FROM MY CREDIT REPORT HOWEVER THE ITEMS IS STILL SHOWING ON MY CREDIT REPORT AFTER RECEIVING NOTICE FROM EXPERIAN THE ITEMS IS 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 explanation
Consumer complaint received 2018-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2017 XXXX XXXX XXXX  via XXXX XXXX requested my information from all three credit bureaus. Once I disputed the inquiry only two credit bureaus deleted the inquiry from my credit except TransUnion Credit Bureau. I have submitted multiple letters along with my identification to verify my identity with no avail. Although I have a fraud alert on my credit file with all three bureaus, TransUnion will not comply with my right as a consumer according to the Fair Credit Reporting Act and fraud victim rights under the Fair and Accurate Credit Transactions. I have followed all of the steps outlined by FACT of watching for the signs and acting quickly by contacting the credit bureaus to dispute fraudulent 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 explanation
Consumer complaint received 2021-03-12
Company: DISCOVER BANK
State: CT
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:
On XX/XX/2020 and XX/XX/2020 I had two fraudulent transactions of {$1000.00} each made at XXXX. I was never notified of the fraud and resolution status. I finally saw the charges on my online account and called to report these fraudulent transactions. I mentioned that I never even received the cards that were used to make these purchases. This has been an on-going battle for months now with no explanations. I get transferred to multiple departments with no answers from anyone. One agent I spoke to told me a police report was needed in order to resolve this investigation. I submitted the police report and still do not receive any updates nor is the issue being resolved. I complained today and was told that now I need an additional report from USPS saying my mail is not being delivered and that they are going to conduct an investigation. Also, I clearly submitted fraud claims for 2 TRANSACTIONS. The agent only marked one of them and the other charge remained on my card and I had to report it again today after mentioning it for MONTHS to Discover. I also included BOTH charges on my police report. I am sick and tired of being ignored. I followed all necessary steps. How is a police report " not enough '' when that is what the agent told me to get in order to receive my money back? Today I was also forced to pay a {$35.00} minimum payment or else my account would be closed and charged-off. This is effecting my credit score and I will not let it go on any longer. Also, I paid the minimum payment that was requested and was told that I would get a refund and that my account would not be closed. To my surprise, the next agent I was transferred to told me my account was closed. The previous agent told me that {$1000.00} had been credited back to me and I would receive a new card within 7 days. Every single agent I speak to has a different story to tell. It is absolutely not right to close my account with no notice and considering the fact that the whole balance is fraud that is not being investigated! This is absolutely ridiculous at this point. I would like my account to be reopened and for these charges to be credited back to me. I also need my credit report to be fixed. This issue has been causing me an enormous amount of stress. I am not receiving any notifications or updates and Discover is lying to me as well as making unauthorized decisions on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( XXXX ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( XXXX ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-15
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this Please help me with this situation

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 2021-03-12
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I can NOT contact my mortgage company by phone or email for years! I should be able to choose what mortgage company I want to use but I am forced to use whatever company that the previous lender decided to sell my mortgage to. I have no recourse and don't even know what government body or entity has authority of home mortgages. The company name is SunTrust Mortgage and they are impossible to contact.

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