BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: Bread Financial 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:
Subject : Inaccurate information on Credit Reports To resolve my complaint with 3 Credit Bureaus with fair resolutions, I mailed a Good Will letter to XXXX, XXXX and XXXX on XX/XX/XXXX and XXXX XXXX XXXX to update my credit report, keep my accounts in good standing, and fix any delinquent late payments, inaccurate information including derogatory remarks, unverifiable/outdated, and incomplete items/information including removing transferred and third party sold accounts. One discrepancy is ( along with several ) is the different numbers of open/closed accounts on all the Credit Bureaus XXXX XXXX, XXXX and XXXX. Each Good Will letter to all three credit Bureaus was sent with the same information. Below is the Finance Company and Credit Data Corporation with Company names, dates and credit report information : On XXXX XXXX XXXX XXXX Credit Report ( XXXX Score XXXX ) ( Credit Score XXXX ) XX/XX/XXXX From XXXX XXXX XXXX XXXX is showing past due and have derogatory remarks but account was removed. 100 % Payment history is excellent with no Hard Inquires. My Credit Cards use rating is excellent with XXXX balance and credit age 10 months. Low impact on open and closed accounts. 22 accounts. 

On XXXX  XXXX  - XXXX Credit Report ( XXXX  Score XXXX ) ( Credit score XXXX ) XX/XX/XXXX there are derogatory remarks and in collections from XXXX  XXXX  original creditor XXXX XXXX XXXX  {$610.00} opened XXXX ( not in collections and no derogatory remarks on XXXX credit report ). XXXX XXXX XXXX XXXX removed with no derogatory remarks on XX/XX/XXXX XXXX XXXX XXXX. Number of accounts 37. 100 % Payment history excellent Credit card use rating is excellent with XXXX balance on credit card usage but credit age 10 months. Zero Hard inquiries. 

On XXXX ( XXXX XXXXcore XXXX ) XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX original creditor Comenity Capital Bank collection account showing in dept collection {$1700.00}. That account was removed from XXXX and XXXX credit report between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX  credit card credit limit {$300.00} was paid on time with no past due amount. XXXX  XXXX  original creditor XXXX XXXX XXXX  date opened XX/XX/XXXX high balance {$840.00}, ( but on XXXX report balance {$610.00} opened XXXX. XXXX Closed accounts. 
Please correspond and update all inaccurate information accordingly, Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: CAINE & WEINER COMPANY, INC.
State: MS
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 am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the XXXX. The creditors have had XXXX days and XXXX dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the XXXX. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that 3 Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2022-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
unidentified payment was posted to my account one year ago and a month or so later removed. Credit card restricted the account for one year now. Called numerous times and no one in fraud can tell me what to do to restrict the account. On XX/XX/XXXX a new payment was charged to my account XXXX and they can not tell me why ecause the account is restricted and the account manager has been unavailable for one year. Another rep says there is no account manager and when i inform the rep that i am recording the call as the misinformation is excessive they say they are disconnecting the call. I owe XXXX and they are charging me XXXX. My account is on auto pay and no one can tell me why the restriction or the double charge at Capital one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

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 2023-09-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I tried cashing personal check with chase bank from my grandfather XXXX XXXX XXXX  we can't stop payment on his end because they already processed payment. Even though bank has spoken to him on multiple different phone lines they can't verify him? wont let us come in with an id for verification so we have called both numerous times for it is a large lump some of cash we need that back!!! {$25000.00} we have tried giving them his banks number and everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from 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 XXXXXX/XX/2021 XXXX XXXXXXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting 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:
XXXX XXXX XXXX inquiry on my credit report XX/XX/2023 that was not done by me I have fraud alert set up as well. There not to run my credit without proper authorization.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 non-monetary relief
Consumer complaint received 2023-03-23
Company: JPMORGAN CHASE & CO.
State: PA
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:
XX/XX/XXXX I paid a merchant {$18000.00} with my credit card, XX/XX/XXXX I sent in a payment to Chase to pay off that charge. I was notified XX/XX/XXXX that the charge on my credit card had been reversed when the vendor 's bank declined to accept my payment leaving me with a credit balance of {$18000.00} on my credit card. I called Chase and requested a refund of that {$18000.00} overpayment. I was told it would be sent in 7-10 days. On XX/XX/XXXX i called them to find out what happened to my refund and after 30 min on hold was reassured that it had not been processed but it would be processed and to wait 7-10 days for my refund. On XX/XX/XXXX i called again to find out why i still did not have my refund and was told I had not responded to some email they were to have sent to me, but admitted it was never sent and so they would now process that refund. It was not sent to me and so I called again and was told by a supervisor that the refund had been 'cancelled at customer 's request '' which was inaccurate - I had asked for an electronic transfer back to my bank, but that was never done and instead it was cancelled. I was then reassured it would be processed and i would receive a refund check mailed to my home in 7-10 days. on XX/XX/XXXX i still had not received my refund and filed a complaint on line with chase rather than calling them again and today - XX/XX/XXXX received my first email from chase saying they would refund my money ( suggesting to me that the 4 prior phone calls did not lead to any resolution or effort on chase 's part to refund my money despite me talking to 'XXXX  XXXX the supervisor. I was told by her they could not send me a refund to my bank and that it would have to be a check mailed to my home and it would take 7-10 days. Today the email from chase asked if i wanted it electronically returned to my bank and i set that up with the email portal. 
It is now XX/XX/XXXX, over a month since asking for my refunded overpayment and I think they have been fraudulently keeping my money without paying me any interest on that money which was mine not theirs. I have asked on 3 occasions for a call from a supervisor to escalate this issue but to date no one has contacted me. They are clearly trying to hold on to all the money they can and delaying refunds allowing them to make money on my money. this must be illegal. 
Please do something - all documents are in their possession, i have none

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Company Involved : Experian Company Number XXXX XXXX On XX/XX/2021, I waited ( was on hold ) for 20 minutes, and then an agent that identified herself as XXXX answered my call XXXX After realizing that one of the disputes I had needed to be taken up with the Fraud dept, we continued with correcting my personal information. 

As I questioned her about the new information that appeared on my account in just a day after talking to them to correct other information, and she told me I had to have provided it to them, and I told her I did not, and that I would like to understand how new incorrect Phone Numbers have now appeared after she ( I spoke to an agent on XXXX, XXXX ) removed the other incorrect numbers. Well, XXXX must've not liked my questions, so she tells me that she was going to transfer me to the Fraud line, and after they help me with that, they can then help me with my other disputes also, next thing I know I'm back listening to hold music. 

So after someone answered the phone, and said his name was XXXX, I explained to him that after he helped me with my fraud dispute, I would like to speak to a supervisor, because what XXXX did was totally unacceptable, well my phone is just dead air. XXXX never replied, never spoke again, and I am still connected as I found this site and have typed this Comment. 

Also, just a company telling the XXXXredit Reporting Company, " Yes, it's correct '' is not enough. They should provide a copy of the paperwork to the reporting Agency once an item is disputed, and the customer should be able to review the documents. 

I know for a fact it is impossible for the debt to be mine. I am a 100 % XXXX vet that have not been to a doctor outside of the VA network in 10 years, but two of the disputes are from original Debt from a Hospital.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2021-03-18
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I were under contract to refinance our mortgage with Freedom Mortgage, with the closing scheduled for XXXX XXXX XXXX XXXX on XX/XX/2021. The notary never showed up for the appointment and didn't even have the courtesy to call us to let us know he wasn't coming. When we tried to reach out to our licensed loan officer at Freedom Mortgage, he did not respond to any of our phone calls or emails. Now we have to make XXXX 's mortgage payment that we were supposed to skip and pray that we can continue the process on the same terms now that our loan approval has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On a multitude of occasions. I've both contacted the original company XXXX XXXX as well as Experian in regards to inaccurate and fluctuating High Balance information and ask that it be deleted from my consumer file. They continually refuse to do so. On 3 seperate occasions I've sent my request to Experian only for them to return claims of accuracy. They have been deleted from XXXX XXXX XXXX but for some reason no one at Experian will check to validate & verify my claim. Who did they call, where did they check and who did they talk to and at what agency or company? With each dispute they either keep moving around one word or the fluctuating balance. I am asking you to please mediate before my last resort of seeking legal matters to rectify this wrong. 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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see attached 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 non-monetary relief
Consumer complaint received 2019-10-10
Company: Experian Information Solutions 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:
XXXX  ; Experian and XXXX  are reporting incorrectly on the XXXX XXXX  XXXX/XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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.

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