BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are several inquiries that are unauthorized in 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 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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 1604a section 2 ). it Also, states, a consumer report agency can not furnish an account without my written instruction under 15uscs 1666b a creditor may not treat a late 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 explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: NV
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:
payment never late. remove this innacurate information, it is not reporting correctly across all bureaus. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) XXXX XXXX XXXXd XXXX XXXX XXXX Experian Last Updated XXXX, XXXX XXXX, XXXX  Payment Status Not more than XXXX payments past due Account delinquent XXXX  days past due date Worst Delinquency XXXX  days past due XXXX  days delinquent Balance {$19000.00} {$19000.00} Credit Limit XXXX XXXXXXXX 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 2023-04-02
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
3RD COMPLAINT!!!!!!! 
PENFED CREDIT UNION AS PER THE LAST REQUEST FROM THIS COMPANY, PENFED, I TRIED TO CONTACT XXXX XXXX VIA THE TELEPHONE NUMBER PROVIDED, SEVERAL TIMES. 
HOWEVER, THIS XXXX XXXX, NEVER, EVER RESPONSED, NOT ONE TIME. 
I LEFT A PLETHORA OF MESSAGES ON HIS ANSWERING MACHINE, AND EVEN CONTACTED THE COMPANY REQUESTING TO SPEAK WITH HIM, TO NO AVAIL. 

CURRENTLY, I SENT AN EMAIL, AGAIN, WITH MY INFORMATION TO AMEND MY ADDRESS AND THESE PENFED REPRESENTATIVES ARE ASKING FOR DOCUMENTATION ( ID, SOCIAL SECURITY CARD AND UTILITY BILL ) THAT WERE ALREADY PROVIDED ON SEVERAL OCCASIONS VIA PENFED 'S PORTAL. 
I HAVE SUBMITTED EVERY AND ANY DOCUMENT, PENFED REQUESTED. 

THIS COMPANY, PENFED HAS KIDNAPPED MY FUNDS AND CONTINUOUSLY ASKING FOR A RANDOM. 
SO WHAT CAN YOU GUYS ( CFPB ) DO TO ASSIST ME. 

I HAVE SUBMITTED TO ALL PENFED 'S ASININE REQUESTS AND STILL GETTING THE SAME RESULT ..... NOTHING!!!!! 

AFTER CONSULTING WITH AN ATTORNEY WHO ALSO STIPULATED THAT PENFED IS BEING ABSOLUTELY UNETHICAL EGOTISTICAL IN THERE BEHAVIOR. 
WHAT NOW? 
YOU INFORM ME, AS I AM LITERALLY AT MY WITS END. 

THANK YOU????

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 2019-07-11
Company: EQUIFAX, INC.
State: OK
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:
After Divorce, my ex would not refinance the house she got in the divorce. 
I filed bankruptcy and had the mortgage discharged from me. 
It went away for years, then the mortgage was sold to a new company. They began listing it and my ex 's missed payments on my credit. I appealed to the company and the credit reporting agencies. 
Equifax refused to remove the item stating the company would have to remove it. 
The company ( at that time XXXX XXXX ) refused despite receiving letters from myself and the lawyer who handled my bankruptcy many years before showing I had discharged this debt. 
Then my ex informed me she was re-financing to get my name off it. It went away for a few months and now a new mortgage company I've never heard of has appeared on my Equifax report ( XXXX XXXX ) ( not on XXXX by the way ). 
I did an online dispute with Equifax and received an email they had completed the dispute, and I could view the results online. However their online system does not work and will not allow me to connect saying they need more information from me and providing a phone number. I called the number and went through their prompts to speak with an agent, and got transferred to a message " This is a non-working number '' and hangs up. 
So then I tried their online chat feature on the website. It connected but as soon as I began to type I received an error " You've been disconnected from the agent. Please wait while we attempt to re-establish connection ... '' it sat for a few minutes then popped up " Connection lost : Please check your connection ''. 
I've done everything I can do to get this account which is not mine off my credit, but nothing has worked. I can not afford to hire a lawyer. 
Equifax has gone out of it's way to be unaccessible and prevent actually dealing with the consumers their inaccurate information harms. 
This inaccurate information has prevented me from qualifying for credit, creating financial hardships and further distress for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I had five accounts become delinquent in 2014 due to a job layoff. All five accounts were charged off in late 2014. However, Experian has continued to report incorrect information, including reporting 2-3 of these as a new charge off EACH MONTH. They also continue to show the balance of all but one of these as a continually growing balance. I believe this is being reported in this manner as an attempt to re-age these accounts. 
I have reported and disputed the incorrect information with Experian, but they continue to report the incorrect information. They state they have " verified '' the information, which they provided no documentation or verification of. I do not believe they actually investigated it. Experian now refuses to even let me put in a dispute, stating they already looked at it so I can no longer dispute it. I have sent in two rounds of paper/hard copy in addition to the initial online dispute, and they have ignored both. 
Additionally, the reporting is inconsistent for these accounts, even though the delinquencies and statuses should be the same for all as they happened at the same time. 
The 5 accounts ( XXXX XXXX XXXX, XXXX XXXX, XXXX, and two accounts with XXXX ) should all show a charge off in late 2014 and no further charge offs afterwards. As they have been charged off, they should all show a XXXX  balance. The accounts should all show as closed by consumer, as I closed them at the time of my layoff, prior to delinquency. 
The fact that these are misrepresented as continuing charge offs or new delinquencies is grossly affecting my credit score. When these errors were corrected on my XXXX account, my credit score with them jumped over 40 points, just from putting the correct information on my record. Unfortunately, XXXX then allowed the companies to re-report the " new '' charge off data which returned my score to the low value. I understand that the delinquency from 2014 will stay on my report for 7 years, and I have no problem leaving the CORRECT information on my report - I was delinquent and the accounts were charged off. However, the continual re-reporting of these old delinquencies has prevented me from having a score and report that accurately reflect my credit worthiness, which has impacted everything from my ability to rent an apartment to the rate I can get to consolidate my remaining debt. I simply ask that the information on the report be accurate, which Experian has repeatedly refused to 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 2022-03-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-05-11
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested 4 times this company verify the debt through disputes. this company is great at dodging requests. ERC has a habit of losing items in the mail and consumer never recieve them. 

I have looked up many legal dockets where this has happened. I am requesting they verify the debt through this method not by mail. This company re-ages debts to continue to harrass consumers. Also, when you send the verification response make sure to include all disclosures and my rights. 

Also, have someone proof read your response for any typos. wouldnt want that to be your excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Made a payment to my credit card out of an empty account. Called captiol one back once I saw I used the wrong one. 
They said they cant stop it that I have to wait until its posted then make the right payment. 
I follow up with making payment in cash at the branch. 
After a few weeks went to use the card it has a XXXX balance but no credit. 
Called the back they said they decided to close the card because of the mixup. 
But if I pay XXXX dollars to clear up the balance from the mixup they will open it up. I explain Im furloughed and dont have money, I need the credit card for gas but I can use what I have left if ok. 
She said pay it and then call back when it post. 
I did that called back and they said no, I got a different rep so I ask for supervisor who said rep was in error but will try to fix the issue. Explain the situation and need for the credit. She said there was a charge on my account from when the card was closed that overdraws my account. She clear that up and call me back after the holiday to get another card. 
No call in I called them today who says Im not eligible to have my card open. I explain the problem they said once closed it closed. I ask for a supervisor because I gave my funds up and there is no more but I am required to show up to work or could be terminated. She transferred me to manager who said I have to wait 7-10 business days and chances I wont get card back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
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:
Transaction date XXXX amount {$120.00} I purchased tickets that I never received I disputed with my bank Chase that gave ne provisional credit at the time of complaint XXXX and now XXXX I receive s letter stating my account is going to be charged back {$120.00} This is unfair to me as a customer of the bank which is my money that is being taken from me on fraudulent charges at this point now. I paid for a service that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: U.S. BANCORP
State: TX
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 received an email on XX/XX/2022 for XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card from XXXX/U.S. Bank and it offered a 0 % introductory rate for 15 billing cycles and {$150.00} cash reward bonus if {$500.00} was spent within the first 90 days for eligible purchases. I applied for this offer using the confirmation code provided and was approved but after using the card and meeting the terms my statement balance incurred interest for regular purchases. I reached out to U.S. Bank about my account and spoke to a representative that soon stated " this was not a bait and switch '' and shortly after I requested a supervisor. I was given no reason why my account reflected completely different terms and was told that more information was required and anything to support my claim should only be faxed or mailed. I faxed the documents on XX/XX/2022 of the email offer which even had the confirmation code included to Card Member Services and confirmed it was being reviewed. Next I told my request for this to be corrected to the intial agreement had denied and a letter stating this along with different terms was being mailed. Over the period of two weeks speaking to four supervisors and multiple agents there was no resolution for me and I was told they would not honor the terms offered and nothing further could be done. Finally the company maintained the claim I was at fault and my only option would be to except that my account will accumulate interest and I will not be receiving the {$150.00} that was offered and I agreed to when signing up for this specific and offer.

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 2021-06-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have a open complaint that hasnt been resolve yet. Per complaint I disputed with the three bureaus and instead of them removing the closed account off my consumer report because 1 ) I dont owe or never have dealings with XXXX XXXX XXXX  2 ) How did they get my SSN 3 ) The debt was never verified 4 ) The company refuse to verified the debt showing any contracts, proof or anything and hung up on my face.

5 ) I never gave permission for this to be added to my report.

6 ) Even if the debt was mine, which it is not how can something be charge off at 30 days.

They raised the balance AND place a false remark saying natural disaster. What natural disaster? They cant even verify this account theirselves

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: PA
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:
Dear CFBB Representative, I writing to you on two fronts. The 1st item is XXXX. XXXX XXXX has tried to collect on an incorrect balance and terms 3 times on my credit bureau. 3 times through their name and 2 times through outside collection agencies. In a discussion with their collection XXXX  XXXX XXXX I disputed the debt amount listed on this credit report for {$1600.00}. They abruptly closed the account as did XXXX. They sent it to a 3rd agency I disputed it again and they closed the account. Now, XXXX continues to list the account in closed account charge off status when they know this is all inaccurate and incorrect. This is one of several complaints I've filed with XXXX I'll never use their services again. 

The 2nd item is the credit bureaus in their entirety. I have attached my credit report. All accounts in good standing. I've leveraged some credit in home improvement efforts, I've bought and sold a couple personal vehicles. Accounts were paid in full. The credit bureau docked my credit score all but 100 points! I haven't done anything to warrant this level of a drop. It's like I filed for bankruptcy and I haven't! In addition, due to this aggressive drop determined by the credit bureaus, XXXXXXXX XXXX  canceled a credit account I had with XXXX XXXX XXXX for {$500.00} and XXXX XXXX XXXX for {$1200.00}. Both accounts were {$0.00} and paid in full any time a charge was made. I've never had a bank re-check credit after I was already approved by them for a credit account less than 2 months after these accounts were opened. I would like to know what the credit bureaus feel they know about me that they are not reporting. Obviously they are reporting the wrong information. In the most recent automobile purchase due to this inaccurate credit standing I had to accept financing terms at a rate that's over 10 % higher than the most competitive rate. My mortgage rate had to be accepted at a rate the was over 3 % higher than than the most competitive rate. It's forced me to look to lower interest rates and payments when my score works back to a more " average '' status. Credit bureaus are discriminating against my credit file. I would like to have them disclose their information in my name in it's entirety, explain why my credit score is less than some that have filed for bankruptcy, and I would like to have all inaccurate information removed from my credit report. They all have violated my rights as reported under the FCRA. I appreciate your attention to this matter! 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, I had a leased vehicle with Ally Auto and I transferred it to another person last month. At the time of transfer I specifically confirmed that I will no longer get billed for the vehicle from the next month onwards. My account was on XXXX XXXX where my savings account would get debited, and the agent said I will no longer be billed. 

This month my savings account got debited and when I called in Ally said they can't reverse the payment! They said it was my responsibility to cancel the XXXX! I no longer have access to the account so I don't know how to cancel anyway. 

I complained that why are they sending a bill to my account anyway when XXXX mo longer have business with them! They refused to take my complaint as well. 

This is my savings account and I needed the fund to make a purchase towards my house and now I don't have enough funds to do the transaction! 

They are asking me to contact my bank to stop the payment! This is illegal.

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 2018-04-24
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I checked my credit report and saw an account from XXXX XXXX appear on it. I did not know who they were, or why they appeared on my credit. I sent them a debt validation letter that they did not reply to. My next step is to enter litigation unless they remove this item from my report. The letter I sent is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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