BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inquiries and accounts that I do not recognize or have reason to believe might be fraudulent. I would like to request that these items be investigated and removed from my credit report immediately. 

Firstly, I do not recall authorizing the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX on XX/XX/XXXX. Since these inquiries might be fraudulent, I am requesting their immediate removal from my credit report. 

Secondly, I can not recognize the account from XXXX XXXX XXXX ( account number : XXXX ) and would like to request that this account be deleted from my credit report. 

Finally, I have concerns about the legitimacy of the accounts from XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXXXXXX ( account number : XXXX ), XXXX XXXX XXXX ( account number : XXXX ), and XXXX XXXX XXXX ( account number : XXXX ). Either clarify the information related to these accounts or delete them from my credit report immediately. 

I believe that these negative items are impacting my credit score and ability to obtain credit in the future. I am committed to improving my credit score and being responsible with my finances, and I believe that removing these negative items will help me achieve this goal.

Thank you for your time and consideration in this matter. I look forward to hearing from you soon. 

Sincerely, 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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, XXXX issued a credit card to a thief in Florida. I live in NJ, never live in FL. After I called XXXX, I faxed a file and sent 2 mails to dispute it. the documents included NJ driver license, home equity loan bill with NJ property address, and my NJ utility bill to prove that I never live in FL. XXXX did not have any response. I hired a lawyer to send similar document to TransUnion & XXXX in XX/XX/XXXX and XX/XX/XXXX. These 2 companies completed investigation without any change. XXXX  even did not remove all of FL addresses generated by thief. Even credit unions ' report along shows 3 evidences that XXXX and the 2 report companies did poor job. 
1. Credit report shows 2 reports from XXXX for the same fraud account. One report shows every payment is OK. The other one shows 4 late payments. Two reports show opposite results. 
2. The account had more than {$3000.00} balance in XX/XX/XXXX. I don't think that the thief would pay the balance. The balance is XXXX since XX/XX/XXXX. XXXX was cheating on this balance. 
XXXX. XXXX 's report made credit union companies believe that I paid off the balance, so that the fraud account belongs to 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 2018-04-19
Company: AMERICAN EXPRESS COMPANY
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: Didn't receive advertised or promotional terms

Complaint:
I was targeted for a promotion back in XXXX XX/XX/XXXX in conjunction with my XXXX XXXX XXXXXXXX XXXX XXXX ( now called XXXX   ) credit card, which offered me XXXX bonus XXXX XXXX points for each authorized user credit card added ( up to four ), given that each new authorized user spends at least {$1000.00} on the card within 3 months of opening. [ image of offer attached ]. I took advantage of this offer, setting up two new authorized user accounts on XX/XX/XXXX online via American Express ' website. The minimum spend requirements were completed for both new cards by the deadline indicated, but I only received one of the XXXX bonus point amounts into my XXXX account. The card which did not receive the bonus points was used by my wife to complete {$1000.00} in spending from the dates of XX/XX/XXXX thru XX/XX/XXXX. [ transaction list with dates attached ]. I contacted XXXX customer service on XX/XX/XXXX to remedy the situation, of which they stated they saw the spend was there and would start " an investigation '' into why I did not receive the points and it would take 6-8 weeks but to call back before then. After hearing nothing, I called again on XX/XX/XXXX to be told they saw that everything looked correct but they needed two more weeks to continue looking into it. After again hearing nothing, I called on XX/XX/XXXX, and after being placed on hold multiple times, them being surprised why I didn't get the bonus points as it looked like I should have received them, ( and being on the phone over 37 minutes ), they apologized for the trouble and said they would credit my XXXX account with the XXXX points. I thanked them and asked when it should show up and they said within 72 hours. It has now been 15 days and still the XXXX points have not shown up in my XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Capital Accounts, LLC
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:
I have sent debt validation with no response. I'm not sure if this company actually owns the debt. I have not receive any notifications from their office. In addition each month they add {$1.00} to {$2.00} to the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX  XXXX as well as a XXXX XXXX. As a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am paid through the Management company or bank for my services. During the last week of XXXX XXXX XXXX of XX/XX/2023 I completed 13 Court ordered evictions for Open Door Property Management. The last ( 2 ) checks I mobile Deposited were check # XXXX and check # XXXX both in the amount of $ XXXX # XXXX was cashed however check # XXXX was and still is being held and XXXX told my account has been closed. I contacted the owner of the bank both checks were written on and he was going to reissue the check however Huntington had already taken the funds from his account. I have been to the branch several times and was told that the check # XXXX is altered. On XXXX i went into the branch and took both checks and the stubs and verified the check in fact had not been altered. The banker scanned and emailed them to the Hold Desk. My Attorney XXXX XXXX has attempted to call and explain he has been retained, and was not contacted back. I was called by the branch and told that they wont talk to my attorney because he is not on my account. I was told that I would have to file a Power Of Attorney in order for him to repersent me. I am attatching the copies the banker sent to the Hold Desk. i explained that life still goes on and I need my money as I have bills and kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CORELOGIC 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:
The three reporting agencies : XXXX, XXXX XXXX XXXX was contacted, by the creditor, XXXX to delete my hard inquiry. This was done On XXXX XXXX, 2023 to all repositories to have the hard inquiry removed. The process requires letters to be sent via XXXX to the addresses provided by the repositories which are XXXX XXXX XXXX. The creditor acted in good faith to remove the hard inquiry, as it was an erroneous authorization. 
I have followed up with each of the Reporting Agencies that were given the letters to get a status. I am unable to get a follow up. The customer service agents are not providing direction, instead I am getting the same dispute letter. No action taken. I am asking CFPB to notify the agencies to follow up the request provide by the creditor.

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 2021-05-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an XXXX loan on XXXX XXXX in the amount of {$7200.00} on XXXX XXXX I went to chase bank and attempt to withdraw cash from my personal account being that I have 2 accounts with chase and while attempting the teller was loud and biligerent about people receiving XXXX loans she then denied me access to my account and froze them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : 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 2023-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I want this late payment update from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. BANK OF AMERICA XXXX Open Date XXXX XXXX, XXXX  Balance : {$4800.00}

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 explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act, the following companies have violated my rights : *XXXX account reported late once, but payment was in office and not credited to account- asked for grace as payment was in office XXXX XXXX  account reported late but payment was made- call made and was told they arent going to adjust XXXXXXXX XXXX XXXX XXXX  payment made but reported late, but never sent payment slips and was instructed that they mailed a payment book that I didnt get ; and XXXX XXXX payment reported late, but my account was set on automatic debits 15USC 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 a 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
Consumer complaint received 2018-04-19
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my Chase credit card ( Cardmember Services ) on XX/XX/2017 to submit initial deposit of {$2500.00} to XXXX XXXX XXXX, sister company of XXXX XXXX XXXX XXXX. The contract says that the company is only allowed to charge the initial deposit of {$2500.00} to the card ( provided over the phone ). The company charged the entire amount of {$5.00}, XXXX to my account and did not finish the job. Chase asked me to provide documentation indicating that the job was not delivered as promised. I submitted email correspondences to Chase in which the company, XXXX XXXX XXXX abandoned the job and did not complete it. When Chase sent the decision letter, ruling in favor of the merchant, they said that I never submitted a second opinion- which was not requested. I did seek a second opinion and hired XXXX XXXX XXXX to redo the framing that was done by XXXX XXXX XXXX ( it was done incorrectly ) and to frame the rest of the house ( what the first company was paid to do but did not complete ). Additionally, in the first contract with XXXX XXXX XXXX, he was paid {$10000.00} to demolish all of the walls in the house.. this was also not completed. This is the second time that the merchant was paid to complete a job and did not do it. Chase is also claiming that because the contract was not signed there is no proof that XXXX XXXX from XXXX XXXX XXXX was only supposed to charge the initial deposit. If the contract is not signed, then he did not have permission to charge any amount to my account.

Conclusion : contract was not signed, merchant did not have permission to charge {$5000.00} to my Chase Visa card Work done by XXXX XXXX XXXX XXXX was incomplete and faulty. I hired another company to correct and to complete his work.

Chase has an unfortunate reputation of not assisting customers in the matters of fraudulent charges ( see article from XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a care credit card from synchrony bank during a medical crisis with my dog. The promotion offered stated that there would be no interest charged if paid off within a year. Over the course of the medical situation we used the card a few times as well as once for an emergency dental repair for myself. At the time it was hugely helpful. The monthly statements were very limited in their information and it was impossible to find a statement with clarity re : promotion deadlines etc. I made every payment on time, often more than the listed amount. But the amount I was asked to pay was not XX/XX/12 the total required to stay within the promotional period. Apparently I did not meet the scheduled deadline. I received a bill for over {$520.00} in interest this month, I was told by the company representative it was 26.99 % the total, and there would be additional monthly interest charges of 2.24 %. I was told I could have 30 days to pay that off and the interest would be waived ( the first clear information I easily received ). When I said I would be filing a complaint with CFPB the chat screen suddenly went to a technical difficulties disconnected screen.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are several things on my credit report that are way beyond seven years old. For instance, there is a store card that was open in XXXX without my consent and it was closed two years later with no balance and no charges. That account was from XXXX. Closed in XXXX. It is now XXXX and for some reason they are putting it on my report again. These abuses are not minor. In addition, I am a participant in the California XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. They are not supposed to be using my home address on my credit report. Yet they continue to do so, despite being sent a letter from the state of California telling them theyre not allowed to do this. The department of motor vehicles, the department of health and human services, even the social services officers have to use my safe at home address. This protect my family. These people are literally putting my family at risk, and they have not resolved this issue.

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 2022-05-01
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, the following companies have violated my rights : *XXXX account reported late once, but payment was in office and not credited to account- asked for grace as payment was in office *XXXX XXXX account reported late but payment was made- call made and was told they arent going to adjust XXXXXXXX XXXX XXXX XXXX  payment made but reported late, but never sent payment slips and was instructed that they mailed a payment book that I didnt get ; and XXXX XXXX payment reported late, but my account was set on automatic debits 15USC 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 a 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent the original creditor ( XXXX XXXX, XXXX. ), a notorized FTC identity theft report and affidavit and I have requested validation of contract from XXXX XXXX, XXXX, since 2016 this company has continued to harass me with letters. Account Summary Report prepared by XXXX XXXX XXXX, this is a dummy corporation for the same collection agency. I have seen or received no contract with my signature making me liable legally for this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Someone stole my identity at XXXX XXXX and made multiple purchases with my account. Someone has opened a home mortgage line of credit, and bought a car, in my name. The identity questions on my Ohio state unemployment security section are incorrect because someone has stolen my identity in the state of Ohio.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I received a follow up from Transunion through this portal that their follow up to my previous report would take 60 days. That is unacceptable as the rules state they only have 30 days. 

Meanwhile, I am being emotionally, physically and financially impacted because I can't get a decent automobile loan because of all the junk on my file.

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