BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
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 reviewed my consumer report and noticed a fraudulent account and fraudulent inquiries being reported. The fraudulent account that was being reported is XXXX account number XXXX. The fraudulent inquiries that are being reported arXXXX 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 2023-09-22
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please know the information on my credit report is not correct. I've listed personal information as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. I want to ensure my information is reporting accurately. Please remove urgently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
15 U.S.C 1681 section 602 A. 15 U.S.C 1681 section 604 A I would like this immediately removed from my credit report.

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 2022-01-09
Company: Selene Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX an Appointment of Successor Trustee was filed in the XXXX XXXX Missouri Recorder of Deeds. The document is XXXX XXXX. The Grantor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX but trustee for XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
The Grantee is XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX. The Mortgage Holder XXXX Mortgage XXXX XXXX and XXXX XXXX were not registered with the SEC. XXXX XXXX XXXX. By acting as Attorney in Fact for XXXX XXXX XXXX doing Business as XXXX XXXX XXXX for XXXX Mortgage XXXX in appointing XXXX and XXXX  as the successor trustee Selene Finance was purporting that the loan was owned by this trust before the mortgage was foreclosed on. By acting as the successor trustee in executing the Successor Trustee Deed Under Foreclosure on XX/XX/XXXX, XXXX and XXXX  was purporting that the loan was owned by XXXX XXXX XXXX XXXX doing business as XXXX XXXX as trustee for XXXX Mortgage XXXX, The foreclosure was scheduled for XX/XX/XXXX and rescheduled for XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX submitted documents to the XXXX 's that he purchased the property on XX/XX/XXXX. The letter was produced on the letterhead of Attorney 's XXXX and Associates XXXX XXXX XXXX  XXXX, Mo XXXX. Phone Number XXXX XXXX stated that he did not buy the property on XX/XX/XXXX that the sale was XX/XX/XXXX. XXXX XXXX with his attorney XXXX and XXXX gave the XXXX 's a on XX/XX/XXXX a notice to file and Unlawful detainer. Under Missouri law XXXX XXXX notice of the date of foreclosure sale must be given to the tenant. This was on the notice is XX/XX/XXXX, XXXX law in Missouri under statue XXXX.that if the sale does not happen within seven days of the notice the lender has to start all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
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:
I submitted all documentation supporting an identity theft claim. Transunion is unlawfully reporting inaccuracies on my report. They are in complete violation of 15 usc 1681n and 15 usc 1681o, along with other various United States codes. I demand that Transunion delete and block all disputed inaccurate information in accordance with 15 usc 1681c2. Under 15 usc 1693gb I would like the proof that shows I am liable for this debt. I would also like to see how a debt that is not mine was verified, what process and systems were implemented by HUMAN PROCEDURE to reach their verdict, pursuant 15 usc 1681b. Transunion has failed and broken then law via 15 usc 1681eb.

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 2020-10-14
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: Personal information incorrect

Complaint:
Experian credit report includes an address I never lived at or used for anything in my life. I have repeatedly asked for it to be removed and they will not remove it.

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 2020-08-11
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I paid off my home loan lived at XXXX XXXX XXXX XXXX Colorado XXXX not showing on my credit report. Mortgage was through Colorado XXXX XXXX XXXX had a down payment assistance loan as well paid in full for both. XXXX plus the XXXX in down payment assistance. Address is not showing paid off in XXXX was not included in bankruptcy was paid in full. Paid off in full have the documents. Also had a XXXX XXXX XXXX  paid off in full from Prestige Financial paid in full not showing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
These are not my accounts. Please remove them from my credit profile.

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 2020-06-22
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
on the date of XX/XX/2020 there was an inquiry made by Ally Financial on my credit report that I did not authorize. I disputed it, and i attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

on the date of XX/XX/2020 I received and inquiry from XXXX on my credit report that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

On the date of XX/XX/2020 i received an inquiry on my credit report from XXXX XXXX XXXX XXXX that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
US DEPARTMENT OF EDU XXXX XXXX : {$4400.00} ; US DEPARTMENT OF EDU XXXX XXXX : {$9600.00}.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
XXXX is a credit card company that allows you to have a credit limit based on your bank account balances. I signed up for the card and everything was going good making purchases and payments, fast forward about a year and a half later their app no longer works to make payments. Everytime you would go to make a payment it would crash the app or go black and sign you out. I have sent hundreds of emails to XXXX  with all the same response saying their team would look into it and they would send me a payment link to pay through. Only problem with that is their customer service team takes 2-3 days to respond and only respond thru email, before Im able to make a payment and it has negatively affected my credit report due to their app not working. I have also had someone use the card fraudulently and have fraudulent charges. I have sent them all the information with numerous proof, screenshots, screen recordings, even offered to pay the balance in full to just get it removed off my report completely. They deny all my requests.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Information on my credit report is incorrect and does not belong to 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 non-monetary relief
Consumer complaint received 2023-06-26
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 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 2022-12-19
Company: JPMORGAN CHASE & CO.
State: WA
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 have visa credit card with chase. They have been emailing me the past month with offers to pay purchases over {$100.00} in installments with no plan fees. The offer in the mail states : " Break up purchases over {$100.00} into equal monthly payments. Enjoy no interest plus $ o plan fees on the first MY Chase plan you create by XX/XX/XXXX ''. 
The last email I had for this offer was on XX/XX/XXXX. I paid for a future vacation worth {$7000.00}. on XX/XX/XXXX hoping that I could avail of this offer. However, all of a sudden, my ability to pay over time was cancelled on the chase app. The site was not allowing me to avail of this offer. When I asked the company for an explanation, they said that customer 's eligibility changes based on circumstances and that they could change at any minute. They specifically said that " offers can be removed for various reasons. When account information changes, offer eligibility changes '' I think that this is false and fraudulent advertising. It entices the customer to take on credit with the hope of using an advertised offer from the company, and once credit has been obtained, the offer is suddenly discontinued without explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: I.C. System, 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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
While looking at my credit report i have noticed the following accounts had a discrepancy in the " payment history '' section of the listing : Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX these charged off accounts is reporting payment history each month when it should not since the accounts have been charged off. this is falsely manipulating the status of limitations which is a FCRA violation. 
FCRA623 ( a ) ( 5 ) ( a ) ( 5 ) Duty to provide notice of delinquency of accounts. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the month and year of the commencement of the delinquency that immediately preceded the action.

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 2023-11-11
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased a set of tires and financed the original amount with Acima Leasing. I made weekly payments of XXXX for several weeks and then I called on XX/XX/2023 and got the payoff amount from Acima and was advised that the payoff was XXXX. On XX/XX/XXXX, I made a payment of XXXX to pay off the loan in full and went on my way. I heard nothing else from Acima and then on XX/XX/2023 I noticed that Acima had withdrawn XXXX out of my checking. I called and spoke to a representative and he advised that when I paid the XXXX on XXXX XXXX that I was XXXX short of my payoff. I advised him that I payed exactly what I was told to pay to payoff the account and he said that it didnt pay off the account and now I owed XXXX more XXXX  since I did not pay off the account. I again advised that I paid exactly what I was told and he said that I only made a lump sum payment and did not pay it off. I then asked him why would I make a lump sum payment short of the payoff by XXXX. He then said I dont know what to tell you I advised him that I had paid what I was told to pay off the loan and he again advised that if I wanted to pay it off I would have to pay XXXX. I asked him if I was only XXXX short why would I have to pay XXXX and he said because I didnt pay it off in time. I asked, if that was the case then why did they wait 6 months to take a payment out and he advised that he couldnt tell me. I have tried to talk to several people and they will not discuss it with me. I blocked them from my checking account and now they have started charging my credit cards. 
I paid exactly what I was told to pay it off, this company is trying to get more money and the have all ready taken XXXX from me which would more than pay the XXXX, if I owed it which I dont. Why would I have just randomly payed XXXX if I was not told that would pay off the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX US Dept Of Education # XXXX Has violated my rights.

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 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 2021-11-06
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied by Synchrony bank each time I have applied. They provided reason for reject incorrectly and vague why I was denied. I feel the denial is not based on my credit but my XXXX and past experience. I had cards with Synchrony Bank but all the accounts were inherited by them where I applied to another bank and Synchrony took over the credit accounts. I paid the accounts off and the bank closed the line because I wasnt using them.y balance wasnt lower only closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
So, I deposited my paycheck amount is XXXX $ on XX/XX/XXXX to my Santander 's account and I accidently lost the check, but on XX/XX/23 i got the letter said that the check that i lost was also paid at XXXX XXXX XXXXXXXX on XX/XX/23 and now my account is closed due to negative balance.I did go to three of the banks that were involved which is Santander ( my bank ), XXXX XXXX  ( check belonged to ), XXXX XXXX XXXXXXXX XXXX Bank that been Cashed out the check ). These bank always keep saying the same thing which is not there's fault and they keep blaming each other. I do have the police report and now i dont know what to do. Today i went to santander in XXXX again, the teller girl keep saying that the investigation is done and she can't do anything about it, so now i have to take full responsibility for it because it is under my name.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion has let this problem go on Since XX/XX/. I told them the day of the event, that a fraudulent inquiry made on my account from XXXX XXXX XXXXand I called the bank which confirmed to remove it and they will notify the credit companies let the credit companies knowthen I followed up with the credit companies. Transunion has failed to correct the error, I also received the letter from XXXX stating that the inquiry was fraudulent and should be removed, I still have the XXXX letter as proof, I put in two investigations with Transunion and and the inquiry still has not been removed for over 90 days im well within legal limits to take action against Transunion due to negligence. XXXX has Co-operated, Transunion has not. You cant keep a fraudulent inquiry on my account when the bank agreed it was in error.

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