BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with | Maximum Accuracy. There are also inaccurate amounts being reported from different credit bureaus and payment dates have been inaccurate. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Also accounts with I correct account amounts and payment dates I feel should be deleted as this is a violation. Also the address is incorrect and I want deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX needs to be deleted. My address is XXXX XXXX XXXX XXXX XXXX SC XXXX. Thanks

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 2020-03-21
Company: Professional Finance Company, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX had to visit the XXXX XXXX XXXX XXXX XXXX XXXX for a life threatening emergency. 

On XX/XX/XXXX, I receive an alert stating that a new collection account was added to my credit report. After, reviewing my credit file, I noticed that a collection company named PROFESSIONAL FINANCE CO falsely reported incorrect information to my credit file. I never reveived a statement XXXX XXXX XXXX XXXX stating that I had an outstanding balance. My notice of a balance was the alert I received from my credit monitoring service. According to the false information that PROFESSIONAL FINANCE CO entered on to my credit file, the balance owed is {$1600.00} and they are reporting that account was opened XX/XX/XXXX. 

Finally on XX/XX/XXXX at XXXX, a rep from PROFESSIONAL FINANCE CO finally calls me about the account. I asked them to explain to me how is my 1st notice of this possible outstanding balance coming from a collection agency and not XXXX XXXX XXXX XXXX? The only explanation the rep was able to offer was an apology. 

My wife and I have been the market looking for a house since XXXX of XXXX. We had been literally checking and verifying our credit file 6 to 10 times a month. During this time, this illegitimately reported account ( XX/XX/XXXX ) never showed on my report until XX/XX/XXXX. So not only was the collection agency my 1st only notice of this possible debt, they also incorrectly reported that delinquent debt has been on my credit since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

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 : 1 ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX 2 ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX 3 ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX ) Account number : XXXX Date opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX XXXX XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX XXXX XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX XXXX XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX XXXX ) XXXX date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX XXXX ) Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX these accounts has violated my rights. 

XXXX5 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 2022-03-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reached out to Experian, XXXX, and XXXX and they are have not responded within the 30 days reply period regarding the inaccurate information being reported on my credit report below : XXXX XXXX XXXX XXXX XXXX, MD XXXX Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. To date, I have not yet received a response from any of the companies. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the inaccurate information. If they fail to do so, they are violating my rights under the Fair Credit Reporting Act.

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 2023-07-21
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 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear CFPB, My name is XXXX XXXX and I went through the first time homebuyer program called XXXX and XXXX XXXX located in XXXX, Florida, and the coordinator was XXXX XXXX. I owned my own land and received a FHA construction loan, and built a home on my own land. My loan originated as a FHA loan, The original loan was with XXXX, which is now out of business. My loan has been transferred at least 8 times and during a plethora of transitions of the loan, the loan was converted from FHA to Conventional without my knowledge. 

How I was aware of this debacle is when Selene Finance had my loan in XXXX, and then it was transferred to XXXX XXXX, which is now back to Selene Financing XXXX. I have endlessly been fighting to rectify this. I have come to a conclusion as to why my loan was transferred from FHA to Conventional and was attempted to force into foreclosure. I feel that I have been discriminated against due to economic disparity, race, being a single mother, which are grounds of violating my rights which is Title VII of Civil Rights Acts of XXXX  which is the Fair Housing Act. I will send the original Mortgage note upon request. 

On XX/XX/XXXX, I called Selene Finance and spoke to XXXX in customer service and stated to him that Ihave received a letter stating that the loan will be transferred to XXXX XXXX on XXXX XXXX. I also stated to him that the letter was dated XX/XX/XXXX, and that I received this letter through U.S. mail on XXXX XXXX. Furthermore I stated to XXXX to review the Mortgage documents and the note and he agreed that on the documents it clearly states that this is a FHA loan. As evidence, I requested the caller id number which is XXXX, and the call was recorded. By law, your Lender has to inform the borrower that the loan will be transferred. This company is very unprofessional and practices very questionable lending practices. I filed a complaint with concerns with Selene Finance in the past about this companys practices. Attached to this letter is evidence pertaining to my loan. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am disputing my public and personal information on all 3 of credit reports.The infomation being reported is incorrect and not accurate. 
XXXX, Transunion and transunion

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 2023-12-14
Company: NEW YORK COMMUNITY BANCORP INC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
I filed a complaint last night, due to XXXX Flagstar posted negative information to the credit union again, causing my credit score to decrease by XXXX points again, but they said they can't find my information which is not correct.

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 2023-04-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted Equifax regarding inaccuracies on my credit report. To this day, I have not received a response. 

The following account is not mine : COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Please remove it from my credit report. 
The following account contains inaccurate information : XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ). I was never late on any payments for this account, and I request that you correct this information on my credit report. 
The following account contains inaccurate information : XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). I was never late on any payments for this account, and I request that you correct this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 2023-07-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid 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:
I signed up for a Chase Southwest Airlines visa promotion in XX/XX/XXXX. I have contacted Chase on a number of occasions only to be told I " received my promotion ''. The promotion I received is NOT what I signed up for however. I believe a " bait and switch ''. I signed up for a promotion that ran from XX/XX/XXXX through XX/XX/XXXX after Chase relaunched the Southwest credit cards with new benefits, spending categories and welcome offers. The promotion offered XXXX points after spending $ XXXX in the first 3 months, and an additional XXXX points after spending $ XXXX in the first year. I signed up and started spending. I was not focused on the accrual of points until the end of the 12 month period as I had been spending on the card and had used some points flying my daughter home from college. I met all the terms of the promotion, spending over $ XXXX on the card in the first 12 months ( and over $ XXXX in the first 3 months ). In XX/XX/XXXX I noticed I did not have the points. I waited until XX/XX/XXXX to contact Southwest as I thought it could take a month to appear. There was several back and forth phone calls between Southwest and Chase as to who was responsible. Ultimately, Chase awards the points, and Southwest controls them after they are awarded. I have spoken with multiple members of the Chase team who initially claimed the promotion did not exist. Ultimately, they now claim that I " received the promotion I signed up for ''. Logically, why would I sign up for a card that would charge an annual fee only to receive LESS than my card I have had for 20+ years? I would not have. Why would I have signed up for a promotion for $ XXXX miles when XXXX miles were being offered? I would not have. I have contacted Chase through their secure message, phone, a personal banker.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for a credit card offer from American Express. I confirmed that I was eligible to receive the advertised bonus by meeting the specified spending amount ( {$3000.00} ). I then met that spend amount with legitimate charges. When the bonus didn't post, I inquired and was told the offer had been rescinded " because we can do anything we want at any time ''. Paraphrasing, but darn close. Doesn't seem like a legal, healthy business stance to me. 

I wrote to AMEX via email ( 2 different addresses found online : XXXX and XXXX. I'm not sure which one worked ( one emailed bounced back ). This was on XX/XX/2019. The email did result in a phone call. The message was a firm statement that they can not change this decision. 

I did close a few of my AMEX accounts and may do one more. I thought perhaps I would get over it. However, 6 months later and I'm still disgusted that a company like American Express can get away with this kind of non-sense. I'm interested in seeing that they don't, and to let others know that they do this kind of silly thing. 

I will attach the original email I sent for your review. Much more detail is in there, and I'd be happy to answer any other questions. Thanks for your support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the accounts listed on my credit report. I have noticed that the following accounts are marked as late payment, charge off, or in collections : XXXX XXXX XXXX  XXXX Late Payment Account THE XXXX XXXX XXXX XXXX Late Payment Account XXXX  XXXX XXXX XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Collection Account GUARANTEED XXXX XXXXXXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account FIRST XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account I dispute these accounts as inaccurate, and I demand that they be removed from my credit report immediately. I have been working diligently to improve my credit score, and these accounts are unjustly hindering my progress.

Furthermore, I would like to remind you that under the Fair Credit Reporting Act, it is your responsibility to ensure that the information on my credit report is accurate. Inaccurate information can damage my credit score and impact my ability to obtain credit in the future. I am therefore exercising my right under the FCRA to dispute these accounts. 

I am emotionally distressed and frustrated by the damage to my XXXX XXXX caused by these inaccurately reported accounts. I urge you to take immediate action to remove them from my credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 2017-12-02
Company: SYNCHRONY FINANCIAL
State: FL
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:
On XXXX XXXX, XXXX purchased a sofa recliner on line from XXXX XXXX XXXX using my credit card with XXXX XXXX. The terms of the purchase were misleading. The website was not clear on payment terms if you were making the purchase using a XXXX card or using another method of payment. The end result is that I am being assessed a {$280.00} monthly payment instead of {$50.00}. I spoke to representatives at XXXX XXXX  and XXXX and could not receive any assistance. I can not afford such a high monthly payment and would not had fall victim to XXXX deceptive advertising.

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 2023-04-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I MADE THIS DISPUTE IN XX/XX/XXXX, AFTER I HAD RECEIVED MY XX/XX/XXXX STATEMENT. I AM STILL IN DISPUTE BECAUSE THE COMPANY HAS NOT FOLLOWED THROUGH. ON XX/XX/XXXX ORDER XXXX XXXXXXXX {$380.00} WAS CHARGED. ON XX/XX/XXXX ORDER XXXX XXXXXXXX {$390.00}. ON XX/XX/XXXX ( A DUPLICATE ORDER ) XXXX XXXX {$390.00}. I WAS CHARGED FOR 3 GRILLS. I RECEIVED 2 GRILLS. I RETURNED 2 GRILLS. SO I SHOULD NOT OWE ANYTHING SINCE I DO NOT HAVE ANY GRILLS. LETTER RECIEVED FROM COMPANY DATED XX/XX/XXXX STATED THAT CREDIT FOR {$380.00} ON XX/XX/XXXX. SECOND LETTER FROM COMPANY DATED XX/XX/XXXX STATED THAT CREDIT FOR {$380.00} ON XX/XX/XXXX. THIS IS NOT CORRECT. AS I DID NOT RECIEVE THE 2 CREDITS FOR THIS AMOUNT. ONLY CREIDTS THAT WERE RECIEVED ARE : XX/XX/XXXX {$380.00} AND XX/XX/XXXX {$390.00}, I STILL AS I HAVE STATED FROM MY " FIRST '' DISPUTE NEED THE CREDIT OF {$390.00}. THIS IS FOR THE GRILL THAT I NEVER RECIEVED. I WAS TOLD BACK IN XX/XX/XXXX BY XXXX THAT IT WAS A DUPLICATE ORDER AND I WASNT GOING TO BE CHARGED. BUT I AM STILL BEING CHARGED TODAY. DUE TO THE DIPUTE I AM BEING REPORTED TO THE CREDIT BUREAU " AS LATE '' EVEN AFTER MY MANY CALLS AND LETTERS WITH THIS MATTER. IT HAS TRULY RUINED MY CREDIT SCORE.

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