BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted a letter to the XXXX and TransUnion Credit Bureaus last XXXX XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 2023-02-07
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony bank has told me over the phone that I should immediately mail payment ( the day the bill is received ), but their payment processing window is 10 days. I have been charged ( and disputed ) a late fee every month since I opened this card to purchase art. In XX/XX/2023, I specifically called the day I received my statement to tell them it was already within the 10-day window. They offered to take payment over the phone, but the representative barely spoke English and my trust is already broken. I mailed the check with signature confirmation. It was received and signed for by Synchrony on XX/XX/XXXX. The check ( {$15000.00} payoff ) has still not processed and as of XX/XX/XXXX I am being told it will be considered late as of today and they are claiming they do not have it. They offer a no interest card, then work very hard to charge late fees since they arent getting money in other ways.

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
Consumer complaint received 2018-10-26
Company: Navient Solutions, LLC.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is regarding an alleged debt collection from XXXX XXXX XXXX. It appears that the company is a collection company contracted with several municipalities. they appear to be contracted with the XXXX County Courthouse in Idaho. They sent me to XXXX for collection on an unpaid infraction fee around XX/XX/XXXX prior to exhausting all appeal procedures in court. As a result of non-payment they also requested my license to be suspended by the Idaho Transportation Department. 

I inform the collections company that the appeal of the infraction was still pending after I got the first notice. On XXXX the Idaho Legislature implemented House Bill 599 which determined that all pending infractions for failure to pay/suspensions were cleared. I told the collections agency that but they are still harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # : 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 2023-06-21
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: PA
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:
XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a victim of a unauthorized fraudulent wire transfer initiated from my Chase checking account on XX/XX/2022. Chase did not contact/notify me ( via email/phone ) in regards to the legitimacy of the fraudulent wire transfer. Due to the negligent act of Chase not notifying me of any suspicious account activity, I did not discover the fraudulent wire transfer until XX/XX/2022. The fraudster wired the amount of {$15000.00} out of my Chase checking account to a " XXXX XXXX '' who I have no relation with. My Chase checking account was under a joint family account with my father, mother, and sister. All of their accounts also had fraudulent wire transfers initiated by the fraudster but Chase blocked them all. Chase however was negligent with the security of my personal checking account and did not block the fraudulent wire transfer out of my personal checking account, thus resulting in my loss of {$15000.00}. I have filed an official fraud claim with Chase as well as a official police report on XX/XX/2022. I have also XXXX the compromised Chase checking account with a Chase employee and updated new credentials to prevent any further damage on XX/XX/2022. My family also took the same action with their affected Chase accounts as well. Chase bank 's lack of security and negligence caused me to lose {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XX/XX/2022 I pulled my credit reports and noticed several accounts Transunion and XXXX are reporting inaccurately. On both credit reports XXXX and Transunion are reporting inaccurate and unverifiable late payments on 4 accounts. on XX/XX/2022, I mailed Transunion and XXXX letters disputing this information and demanding verifiable proof that this information is accurate, up-to-date and true ( see certified tracking slips + letters attached ). I have never been late and I know for a fact I have never been late more than 30 days on any account I have ever owned. See exhibits attached. 

On XX/XX/2022 I contacted XXXX ( an account both CA 's are reporting inaccurate late payments for ) and I spoke with 2 representatives at XXXX XXXX EST, using number XXXX, XXXX and XXXX XXXX # XXXX in the Members Resolutions Department, regarding the alleged late payments. Both representatives CONFIRMED that the information is indeed INNACURATE. 


This information is inaccurate and hurting my credit worthiness. My rights are being violated when both credit reporting agencies are failing to ensure all information placed on my consumer credit report is verifiable and true. I don't appreciate my credit reputation being damaged in any way.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX 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 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 2022-04-21
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: Information belongs to someone else

Complaint:
I sent Transunion all of the documents needed to show that this XXXX XXXX account is not mine. However it is still showing up on my credit.

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 2019-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On aroundXX/XX/2019 I spoked with a Bank of America Rep about a {$12.00} maintenance fee or other bank fees. 
He stated that the bank fees and overdraft was going to be credited back to my account as long my new direct deposit from XXXX XXXX XXXX XXXX XXXX XXXX income of {$4300.00} is deposited on XX/XX/2019 at XXXX XXXX. 

Bank of America wasn't going to charge any fees. OnXX/XX/2019 I checked my checking account and I have derogatory fees of {$12.00} and overdraft in which my account is negative XXXX cents.because of the {$12.00} fee and overdrawn fees. 
OnXX/XX/2019at around XXXX XXXX XXXX time I spoke to Bank Of America Rep and she transfer to her Supervisor Mr.XXXX on a recorded log conversation, he was a Supervisor from Bank of America in XXXX XXXX and the time in XXXX was XXXX as he stated. 
Mr.XXXX  couldn't resolve amicably the issues of Bank Fees. 
I am respectfully XXXX XXXX and 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 monetary relief
Consumer complaint received 2022-12-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$2500.00} check was cashed at chase bank mobile deposit on XX/XX/XXXX. 

On the morning of XX/XX/XXXX my account was at {$420.00}. The check was put on hold d/t fraud detection, and the money was not received and put on hold. However, the full {$2500.00} was taken out of my account by chase bank, reducing my balance to XXXX. 

Calling customer service, I was able to talk to a supervisor, who explained the check was put on hold due to potential fraud. They further said they contacted the check issuers bank and were told it was a bad check. ( The check issuer is a family member ). 

Calling the family members bank ( XXXX XXXX XXXXXXXX ) yielded the following : - they were never contacted by chase bank- they had no reason to suspect fraud - the check was valid, and in fact the money had been withdrawn from the XXXX XXXX XXXXXXXX account. 

Chase refused to refund my account the {$2500.00} they fraudulently charged me, and told me my account was locked and being closed. They also said they would not refund the money until XX/XX/XXXX. 

My account is now in the negatives and I cant pay rent by its due date. Chase refuses to do anything, Ive talked to management and they wouldnt do a grunt further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage around XX/XX/2017 due to slow work and less money.I am also taking care of a XXXX grandchild. I am really struggling in life. I tried my best to keep up, but the money just keeps accumulating. I became so desperate and stressed out. On XX/XX/XXXX I applied for mortgage assistance with my lender Vanderbilt Mortgage. I then received a letter dated XX/XX/XXXX offering me {$500.00} to vacate my home by XX/XX/XXXX. I received the letter after XX/XX/XXXX. So, they basically gave me a week to vacate for {$500.00}? How dare they? {$500.00}?? What am I going to do with {$500.00}? Then a letter dated XX/XX/XXXX arrives asking for {$2100.00} and then they'd bring me back to current and denied my application because it was their " belief '' that I can afford the payments with the current terms. So first {$500.00} to basically go homeless and then just magically pay them {$2100.00}? Are they crazy. They are really a nasty bunch. My interest rate is 12.72 %!!! And, I am not by any means wealthy. I just want some payment relief so I don't get into this situation again. These guys are a real bad bunch. I need help. Please.

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 2022-04-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting.

How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted.

Please delete these accounts from my credit reports since your company did not properly verify the information and the furnisher could not provide sufficient proof to prove their reporting. 

XXXX XXXX XXXX : Account number : XXXX, Date Last Active and Date Last Reported shows multiple dates ; also, each bureau showing a different High Balance. These are violations and I want this removed from my report. 

Last Active XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX Last Reported XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX High Balance XXXX {$37000.00} EQUIFAX {$81000.00} I hope we can resolve this issue without complaints to the Consumer Financial Protection Bureau and other agencies. 

Looking for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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:
I have continuously tried to get these negative items off of my report. Also These bureaus are in violation of the Cares 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 2018-05-04
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the FCRA, I request that LexisNexis immediately notify XXXX, XXXX , & XXXX of the folllowing : That the bankruptcy Item US BKPT CT XXXX is deleted from my file. And to provide me with a copy of said communication. Under the FCRA, I have the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of XXXX, XXXX, and XXXX XXXX  ).

Company response to consumer: Closed with explanation