BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
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: Account information incorrect

Complaint:
I was never late on the paid off account listed above. Please show me documentation showing proof of transaction, showing I was ever late to support your inaccurate reporting on my account.

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 2022-04-22
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
I sent American Express a Cease and Desist letter AND a Debt Validation letter on XX/XX/XXXX. They sent over an email letting me know that they have received my Cease and Desist letter and they will cease communication regarding collection activity but then used profane language and threatened to suspend and cancel my account which is a violation of 15 USC 1692d. They also said that the consequences of me asserting my rights as a consumer will lead to negative actions taken place with no prior notice. This email was sent on XX/XX/XXXX. I will attach the letters and their response to this complaint. 

Please note that American Express failed to comply with the demands written in my letter. They never sent me a letter letting my know that they are complying with my specified remedies, which is a violation of 15 USC 1692c. They never sent me anything to allow me to exercise my right to validate the debt in pursuance to 15 USC 1692g. I have the right to due process and which they are preventing me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Experian on XXXX XXXX, XXXX @ XXXX informing them of the fraudulent inquiries on my credit report. I was transferred around until I spoke with a supervisor whom I explained to that my identity had been stolen and I sent them a copy of my police report months ago to no avail. The supervisor located the documents and proceeded to transfer me to the fraud dept whom he stated would help me with the removals of the fraudulent inquiries. In turn I was hung up on after being on the line for XXXX minutes and did n't get to speak with anyone. All of these inquiries add a hardship and my rights were violated by Experian. I asked that the CFPB help me stop Experian from victimizing 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 2023-06-20
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Loan Type : LINE OF CREDIT Balance : {$0.00}, XXXX XXXX Loan Type : Charge Account Balance : {$0.00}

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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.

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. 

***ALL ACCOUNTS BELOW HAS VIOLATED MY RIGHTS*** CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-17
Company: EQUIFAX, INC.
State: VA
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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
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:
These accounts do not belong to me and they are severely affecting my credit. They need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: NJ
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:
Ive been trying to get this account removed and their saying its accurate but its not I sent them proof of the inaccurates with the account

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 2022-12-31
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:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX XXXX XXXX XXXX different account numbers Account # : XXXX XXXX XXXX XXXX different amounts the inaccuracies go on XXXX {$140.00} Showing on the report twice damaging my profile XXXX instead of XXXX along with a lot of other reporting inconsistencies clearly a violation. 

Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under 15 USC Code 1681a ( 3 ) this medical collection is in violation and can't be on my credit report. By time you read this the new law will be active anything under 500 $ will not reported I am so tired of my consumer rights being violated please see attached proof

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is XXXX  I am trying to put a freeze on my credit report and have been trying to login to my Transunion account all day without success. I put in my user name and password and press enter. The next screen says they have sent a 6 digit authorization code to my email account but I never receive the code. I have tried several times and each time I get the same results ... no code! 

I tried calling them. The first time I did manage to get a person that I could barely understand. I think she told me that I should just keep trying. The next several calls I made to them resulted in my call being disconnected. 

I don't understand what is going on with Transunion but it really scares me to think these people could have a drastic effect my finances when they can't even provide a website that works and worse, they can't even manage a simple task like answering their phone!

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 2023-06-20
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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 Act Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX  XXXX XXXX has violated 15 U.S.C. 1681 section 602 A, states I have rights to privacy.

15 U.S.C. 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written consent.

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, 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 accurate.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
These accounts do not belong to me and they are severely affecting my credit. They need to be removed.

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 2022-05-17
Company: TFS FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with TFSL & was pre-approved for a XXXX mortgage with 15 % down and no PMI. The rate provided was 3.75 % with an annual adjustable rate beginning year 6 with cap of 2 %. I locked in this rate and signed all documents and the " intent to proceed ''. I am under contract to purchase a condo. 

On XX/XX/13, I was notified by loan officer, XXXX XXXX, that the mortgage had been denied due a high debt-to-income ratio, which was over their 40 % limit. When I expressed confusion because my DTI was between 35-36 %, she said that because I was going with an ARM, the underwriters used the higher rate it might be 5 years from now ( 5.75 % ) to qualify me. Further, they disqualified me with an incorrect salary amount, then disqualified me a second time with the correct amount. 

Nowhere in any of the paperwork I signed, including the loan disclosure, was there any mention of not qualifying me at the locked-in rate of 3.75 %. I fully believe I was " disqualified '' because between the time of lock-in and underwriting, interest rates climbed substantially, the bank did not want to finance my loan at the cheap rate, and this ruse was the only way to disqualify me since I have a high credit score, literally no debt as my cards are paid off monthly, a 15 % downpayment and substantial liquid reserves. This is further supported by the bank not presenting ANY option to keep the 3.75 % rate, including putting down a higher down payment to bring down the DTI, which I have the funds to do. 

I turned down other then-competitive offers because TSFL offered a lower interest rate with no PMI, then disqualified me with a hidden interest rate I knew nothing about. TSFL 's opaque and deceptive practices have cost me real damages in time and, if this purchase deal now holds up through the financing delay they've caused, will now cost me substantial monthly costs due to rate increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT SERVICE COMPANY , INC XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX claims I owe a debt, I have requested a copy of my signed contract and the time and date of when this occurred, I also have asked for any and all documentation pertaining to this agreement, and when this person communicated with me regarding my debt owed? I did not talk or sign any contracts with this person and I have a right to my signed documents, this company collecting a debt has no right to any medical records if that is what this is regarding because of HIPPA. I called XXXX XXXX several times requesting proof. I still have not received proof from 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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:
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 : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: UT
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:
Experian refuses to fix reporting on 2 auto leases {$14000.00} & {$13000.00}. They sent an email XX/XX/XXXX stating that they verified the accounts and the name of who they verified it with at the Dealership. ( the person they listed has not worked there for over 5 years! ) this was verified to me by the dealership on XX/XX/XXXX, as well as they also verified that Experian has yet to contact them about said dispute... These are BLATENT VIOLATIONS of the Fair Credit Reporting Act and I want if fixed or deleted immediately. The lease was current every month and then they ( Experian ) stopped reporting in XXXX of XXXX and listed it as a XXXX for no apparent reason??!! XXXX kept reporting as current. When I contacted Dealership back in XXXX, they said to dispute and then they would let Experian know they are not reporting correctly. Experian is required by federal law to verify THROUGH PHYSICAL VERIFICATION of the original signed consumer contract, any and all accounts they post on a credit report as well as have " said original signed consumer contract on file ''. Failure to positively verify these accounts has hurt my ability to obtain credit. Experian DID NOT VERIFY and FALSLEY CLAIMED THEY DID WITH AN EMPLOYEE THAT HASN'T WORKED THERE IN YEARS AND MUST REMOVE FROM OMY REPORT! They have subsequently deleted the accounts from my wife 's credit report and are still refusing to delete the 2 accounts on my Experian credit report. Each time when I dispute they return a response with " Account validated and/or verified with creditor as accurate '' No Change.

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 2021-06-01
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:
On friday XX/XX/2021 I received a check from the state of Illinois in the amount of XXXX due to the amount of the check I was unable to use Chase mobile deposits, it was late in the evening so I went to my local branch to deposit the check via ATM, I totally understand that those funds probably wouldnt be available until maybe following Wednesday due to the holiday weekend. I dont have a problem with that at all. On Sunday XX/XX/2021 I went to use my debit card and my account had been frozen with no explanation nor notice via email or phone from Chase bank. I finally received something from chase on XX/XX/2021 to contact them. I called and finally talked to someone in deposit holds and then I was questioned about why the state of Illinois is giving me this amount of money I refused at first and basically was told tell us or else. This financial discrimination must be stopped! Meanwhile my accounts are still on hold! I was told to go to my local branch if I needed money. How do they Im able to do so. Ive been embarrassed and my privacy on how and where I get money was invaded! Chase should be held accountable for the actions they take against its customers,

Company response to consumer: Closed with explanation