BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
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:
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be REMOVED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion Credit Bureau to validate this account ( A ). I hope this disputed account is deleted. 


XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

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 2019-01-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We signed on a mortgage with two other people. We never intended to live in the home. 
They could not qualify for the mortgage alone. agreed to sign with the and at first the mortgage was paid on time and everything was good. Then we learned that the mortgage was behind and facing foreclosure. We were able to modify the loan and take the two people off of the loan that lived in the home and we thought we would have been able to come off of the loan and the home would be in their name only. 
That they could and would be able to own the home with our names off of the mortgage. 
Well, that did not happen. they separated and finally divorced. After as i mentioned before we were able to modify the loan, we did not live in the home. We had an attorney and a real estate broker who came to us and convinced us to let them manage the property and collect the rent, they even selected the tenant and collected the rent. 
They were supposed to make the mortgage payments. They took all of the rent money {$48000.00}. that they claimed they did not collect. 
They would not give us possession of the property, we found got possession and now I am living in the home with my XXXX children. I am working and can afford to make the mortgage payments. All that I am asking is that the bank would work with me and give a chance to save the house. I am able to making a sizable good faith down payment if necessary.I ask that Chase would give me XXXX XXXX a chance to save the home and do what is right by making my payments for the home I now live in. Please help me and my children. At this point I never had a real chance to work with Chase. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

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 XXXX # 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 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 2022-10-13
Company: Experian Information Solutions Inc.
State: FL
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:
DPT EDXXXX XXXX or XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX or 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 an account without my written instructions. 

Previous claim with CFPB, claim # XXXX, XXXX deleted the above account. 

I have attached a pdf file with the XXXX credit report of the disputes, which proves the deletion of this 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 explanation
Consumer complaint received 2017-08-04
Company: SECURITY FINANCE CORP
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Security finance in XXXX al. Has called me 3different times today from 3different numbers. Within 5 minutes period which is creditor harassment. Even used personal cellphones an company numbers. I told them i am filing bankruptcy stop calling me. They continue to call after i have contacted a lawyer. This violates the cfpb laws.

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 2019-10-22
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:
Accounts are reporting on my credit reports that are incorrect XXXX XXXX   XXXX**** XXXX XXXX XXXX**** XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: CA
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:
Consumer reporting agencies EXPERIAN, XXXX & XXXX are violating my consumer rights with respect to furnishing unlawful consumer reports on my behalf. CFR Title 15 USC 1681a 2 clearly states the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; these consumer reporting agencies are in clear violation of the law furnishing information in the status section of my consumer reports containing nonpublic personal information solely to transactions and experiences between me and the banks making the reports. They are to lawfully be deleted immediately. There are over a dozen accounts where consumer reporting agencies are in clear violation of the law in the furnishing of my consumer report.

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This account is closed and does not have a balance, It should not be showing up as a late payment. This is also a violation 15 USC 1681 ( 2 ) ( A ) ( i ) my transactions or experiences between me and XXXX XXXX should NOT have been on my consumer report.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
last month i applied for a mortgage because i wanted to buy a house, i was denied because of a low credit score. I was confused because i really don't use my credit often.The mortgage broker gave me a copy of my credit report. I reviewed the credit report and noticed several fraudulent accounts. i contacted the bureaus and they requested the normal ID, social security and a utility bill. after a couple weeks i got confirmation that they where not going to remove them. I am so confused, thats why i am here.

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 2022-12-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: MI
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:
XXXX, Equifax, and XXXX are all reporting I have two chapter XXXX bankruptcies from 2016. I only have one. The clerk that entered my bankruptcy filing forgot to include my LLC 's information on the original filing, even though it was on the paperwork. Instead of correcting the original petition, since it was the court 's error, they dismissed the original petition and then refiled the petition the following day under a new case number. I was sent a letter by the Federal Bankruptcy court, explaining this which I sent to the credit reporting agencies. They refuse to remove the original filing which is negatively impacting my credit score to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A fraudulent account was applied for in my name and an inquiry was submitted to my credit report. The company when called was unable to help and I also did not feel safe giving an individual information due to there being a credit fraud alert on my account. The company is : Alliance Data XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX They would not assist me. I need this credit inquiry taken off my credit report as well as any cards issued closed as I am not responsible for transactions for this as this was fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: Duvera Billing Services, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to the company on multiple occasions stating that my payments are being returned. Every payment i was making was being returned, I contacted them they stated that the system was blacklisting my cards. They even negotiated for me to pay XXXX XXXX so my account could be current and they still rejected my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: DISCOVER BANK
State: IN
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:
I was deactivated my credit card and got acknowledgment of my deactivation but still lot of transactions are posted which are not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
incorrect high balance incorrect date last activity incorrect date reported incorrect date open

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 2021-01-13
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Background check is incorrect I have not been XXXX XXXX XXXX XXXX it was reduced to XXXX  XXXX  XXXX in 2014 also other charges XXXX county were mother who went to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2020 I used Coinbase and converted XXXXXX/XX/XXXX USDC to ATOM but only received {$2700.00} worth of ATOM. The exchange rate used was XXXX ATOM/USDC but that was wrong. The rate should have been XXXX ATOM/USDC because it was {$5.00} per coin when I exchanged it. I should have received XXXX ATOM minus the Coinbase fee but I only received XXXX. Transaction reference code XXXX. 
I have reached out to Coinbase a couple of times over a month ago but the only response I have received was a case number, which is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-14
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
" On XX/XX/2018 I was denied by both XXXX AND WESTERN UNION after creating online account. This is not the first time conducting business with either money transfer agents. I have noticed a pattern that each time, it is allowed and verified ;. CANCELLATION OF BOTH MY TRANSACTION RESULTED. ". The only provide reason of going to a local agent and trying that way. '' " I am verifying payment was successfully sent via WU. That is Western union_Your tracking number is ( MTCN ) XXXX. Shorthly after notifying by writing email to the business called " XXXX moving and storage located at XXXX XXXX XXXX XXXX, XXXX FL XXXX that would also track their confirmed receipt of payment on my end. '' WU called me and emailed me to verify this transaction ;. after 12 hours, it was cancelled next day and I received a message by XXXX XXXX that morning as I kept a record of it for your reference as not the first time in coincidence with XXXX. '' " PROBLEM_UNAUTHORIZED BROKER HAS GIVEN MOVING COMPANY THE RIGHT TO HOLD MY BELONGINGS IN UNKNOWN LOCATION. The origin was from XXXX " XXXX '' by XXXX XXXX limited export manager. '' I have also kept them in the loop on the activities as they also refuse to provide insurance documents, moving legalities on paperwork that was initiated for customs and border completion. '' " There are not corresponding but delaying when they write back even for acknowledging this attempted money transfer payment for planning the release with RECEIPT OF BANK TRANSACTION. I am requesting my XXXX " XXXX '' is requested ASAP. A reminder of your time, day of week for delivery is has not been promised. It is necessary before the incurance of addt'l storage fees. '' " The businesses both known as XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX refuses to accept alternative forms of payment such as checks, credit cards, money order. They both insist that I bank transfer account to account the money but thaere are issues doing so. ". I also have noticed a problem with the XXXX XXXX XXXX ACCOUNT provided by XXXX XXXX HAS NO ACCOUNT NUMBER per the acct receivables assistant " " BOTH EXPORTER/IMPORTER demands that I send money because they had not provided a business address within the XXXX now that I have been told the money was not acceptable that method '' AS WELL AS WHERE THE " XXXX '' is presently unknown?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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

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 2023-06-02
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-01-13
Company: Capio Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good morning, I am submitting a complaint for the company by the name of Asset Care LLC XXXX XXXX XXXX for the amount of {$520.00}. The account number is XXXX. Date of service XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX, NJ XXXX. 

XX/XX/XXXX I spoke with XXXX XXXX Asset Care XXXX and requested a bill, she stated one would be sent to me. 

XX/XX/XXXX I spoke with XXXX XXXX Asset Care XXXX he stated he would have the one person in the company that sends emails out would forward me a copy of the bill XX/XX/XXXX I spoke with XXXX XXXX Asset Care XXXX and he stated there was never a request put in for me to receive an itemized copy of the bill and he would put in the request that day XXXX I spoke with XXXX XXXX Asset Care ) and she stated there was an error with my email and that is when I asked to speak with a supervisor. 

XXXX I spoke transferred to Supervisor XXXX XXXX Asset Care ). XXXX stated they had no access to the bill because they were a 3rd party company and it would take up to 45 days to receive the itemized bill from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief