BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-26
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 asked what I could do to settle this because I apparently had some one taking advantage of my information, numerous discussions and disputes they told me I had. To pay, they also stated. That I could not remove the information and charge offs I told them someone took advantage of my information I disputed them and discussed them and they are still on there I had to XXXX and do my research

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 2023-11-14
Company: Experian Information Solutions Inc.
State: TX
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 am writing to express my dissatisfaction with the recent attempt to remove a late closed account from my credit history. 

I submitted a request to have a late closed account removed from my credit report. This account was [ briefly describe the nature of the account and the circumstances leading to its closure ]. I understand the importance of maintaining a positive credit history, and I took the initiative to rectify this matter promptly. 

To my disappointment, the first attempt to remove this late closed account appears to have been unsuccessful. I have thoroughly reviewed my credit report, and the derogatory information associated with the aforementioned account still persists. 

I am reaching out to seek clarification on why the initial attempt was unsuccessful and to request a detailed explanation of the steps taken to address this matter. Additionally, I would appreciate a clear timeline for the resolution of this issue. 

Maintaining a favorable credit history is crucial for my financial well-being, and the persistence of inaccurate or outdated information can have a significant impact on my creditworthiness. I trust that Credit Bureaus values its customers and is committed to ensuring the accuracy of the information reported to credit bureaus. I am asking for your help to remove this account immediately in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2021-05-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 : I agreed to purchase a car from online retailer XXXX from for a total of {$23000.00} paying {$7000.00} down payment and financing the balance. I specifically confirmed with the Car Specialists XXXX XXXX that the California XXXX test will be performed on the car before delivery. On the same day paid {$500.00} on my credit card to hold the car until the purchase is complete. Also I submitted a credit application on the same day. 
XX/XX/2021 : I signed the purchase agreement ( the electronic portion ) and the loan documents and wire transferred the down payment balance of {$6500.00}. 
XX/XX/2021 : I received via XXXX  the paper portion of contract that require my signature and return to XXXX, but these documents stated that it is my responsibility to perform the California XXXX inspection and a VIN inspection. On the same day I requested to cancel the purchase and never signed the contract. 
XX/XX/2021 : I received an email from XXXX XXXX at XXXX confirming the cancellation and refund of my down payment. 
XX/XX/2021 : XXXX XXXX the {$500.00} to my Credit Card and on a later date sent me a check for the {$6500.00}. 

The problem I am having is that XXXX XXXX services by CHASE opened an account under my name for the amount of {$16000.00} and is now in past due status. I called and emailed CHASE and they told me that they can't do anything about the issue because the dealership did not send them the cancelation documents. I called XXXX numerous times and every single time the customer service rep say the will transfer me to the specialized department only to left on hold for 45 min then another rep tells me the same exact thing. I tried escalating with Chase and the promised the will work with their dealer management department to resolve the issue but today XX/XX/2021 I am still receiving past due statements from Chase for an account that does not belong to me since I never took possession of the car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently verified my credit report to come to realization that multiple credit card attempts were made on my credit file I have not applied for majority of these credit card as soon as I realize that I made a police report/ complaint and I have also placed a credit freeze on my credit so that i can better monitor the situation I have provided a short list of companies that these attempts have been made thru and have directly impacted my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: KS
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:
Experian notified me that there was a credit inquiry made by someone that I didnt recognize. They claim to be the US sm SBA admin ODA and there was even an 800 number associated with it. ( See attached screen shot ) I called and could tell immediately it wasnt the real SBA. They answered the phone SBA and immediately asked for my social. They even transferred me to a so-called fraud department. The inquiry was made today, XX/XX/XXXX. I have notified all three credit agencies and put a freeze on my account. I am just reporting this so you know someone is posing as SBA And Using stolen Social Security numbers.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of identity theft. I have filed the correct paperwork according to the FCRA and I have disputed the accounts with all three credit reporting agencies. The disputes are not being filed correctly with the paperwork I have submitted and I have not gotten copies of the verification process These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NC
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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items.

Company response to consumer: In progress
Consumer complaint received 2023-01-31
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XXXX  ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these items by 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 Balance : {$5600.00} XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XXXX XXXX : {$6200.00} XXXX XXXX XXXX XXXX XXXX : {$5700.00}.

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 non-monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: TX
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-03
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:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX 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

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 2023-11-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was a victim of XXXX data breach my reports are showing innacuracies and need to be removed from credit report I did not reside at this location. 

I have attached the screen shot from my credit report a long with screen shot of my data being sold and traded without my consent.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a dispute about my XXXX account status that shows multiple late payments. XXXX XXXX doesnt respond to me, I have a monthly automatic payment so the payment comes out every month from my account, and the credit bureaus just keep saying they verified its late and refuse to send me validation like they are supposed to according to law from the fair credit act. I want the late payments updated on my report since they have failed 3 times to show me validation and now have made it where I can NoT dispute it anymore.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2019-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/2018 I attended a XXXX XXXX XXXX XXXX XXXX 3 day workshop which I paid {$2000.00} to attend. From that workshop we were offered another workshop which would work with us until we earned 100 % of our investment. I paid {$21000.00} to attend that workshop. After realizing that none of the formulas they taught in the workshop were working for me I contacted the resource office. I spoke with a resolution specialist by the name of XXXX XXXX. There was an agreement to a refund of about half of the money. She emailed me a settlement agreement and mutual release on XX/XX/2018. As I read through the agreement I did not feel right about signing the agreement because of the language used and obligations I would be forced to comply with and I would only get a partial refund so I did NOT sign the agreement. Instead, I contacted my credit card companies that i used to pay the workshop with. XXXX kept the charges of {$4200.00} paid to XXXX XXXX and Capital One kept the charges of {$4700.00} and {$250.00} on my account paid to XXXX XXXX after their dispute process although there was a the settlement agreement that agrees to a refund all services paid for were not rendered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-15
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX  had my mortage which they turned the account over to Fay Servicing with no notice this account was sold to another company. Fay Servicing has stated my home is being foreclosure. I have made payments and have receipts where the payment was made. i did miss one payment with XXXX where the payment was supposed to be deferred but instead was not put down as such. i made one payment which was a parital payment. I have a very limited income and it is very hard but i have sent payments via money order, money gram but they still are foreclosing on the house. 
they also stated p ayments were being put into a fund and did not count as a payment made on the account. i do not know what to do. they are being very adamant about taking the house unless i come up with entire balance owed no payments accepted. 
Thank you : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
BMO Harris Bank 's statement is calculating the credit ending balance incorrectly. On my XX/XX/XXXX bank statement, the previous balance is XXXX ( CR ), other credit for this period is XXXX ( CR ), however, the ending balance is only showing XXXX ( CR ) rather than the accurate amount of XXXX ( CR ). 

In addition, for the XX/XX/XXXX statement, it shows the purchase amount is XXXX, which exactly offset the credit amount I have been on the credit card, but it was never incurred. 

My statement is understated. I tried to contact BMO, but it takes forever to talk to a real 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 explanation
Consumer complaint received 2022-08-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To Whom It May Concern, Please remove the SECURITY FREEZE from my Consumer report. I'm writing to you to request this. You must abide by the provisions of the Fair Credit Report Act. I'm aware that some kind of identification verification will be required by your business to confirm my identity.

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