BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

Complaint:
On XX/XX/XXXX I went to XXXX XXXX XXXX  and purchased a XXXX XXXX XXXX XXXX. I paid a {$11000.00} down payment. After signing contract and closing the deal, weeks later the dealership states the finance fell through. I was not informed of the dealer running my credit after deal was complete. The dealer would tell me that they were working on a new deal with the finance company that would lower my payments. I informed the dealership not to run my credit no longer and Im requesting them to fix it. Before going to the dealership my credit score was XXXX, after the deal, my credit dropped to XXXX. The dealer had run my credit and lowered my credit score to XXXX. I only found out about them running my credit was by getting credit alerts. even after demanding they stop running my credit, they continued to submit my info to banks, lowering my score even more. I have attempted to speak with them in reference to this and no results. I had to pay for damage caused to the tires on the vehicle due to an employee at the dealership over and under inflating the tires. I was informed the vehicle had proper maintenance done it. That was not done, the oil light came on the next day, which I had to pay for myself. The only solution the dealship has is to allow them to keep running my credit to close the deal. They are concered about closing the deal, but I am more concerned with how they tore my credit down without my authorization.

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 2023-08-07
Company: EQUIFAX, INC.
State: SC
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  XXXX Balance : {$350.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
One of the worst bank I have been dealing with, XXXX bank. 
I been trying to make a mortgage payment due to force insurance placed on my account without any notification, the amount went up, the mortgage department told me not to make a payment till they adjust it, its been over 2 months, I call them every single week the amount has not been adjusted and they started to charge me a late fee plus today they told me they have reported me to credit bureau which I was told will not happen since I am willing to pay. I need help, this will lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-05-16
Company: DISCOVER BANK
State: CA
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:
I started a dispute case with Discover on XX/XX/XXXX, regarding XXXX refusing to issue a refund for my returned package. The case lasted until XX/XX/XXXX, Discover ruled in favor of the merchant despite I provided all the supporting documents showing the return package has been delivered back to the merchant. I uploaded another piece of documents, showing XXXX promise me a refund if I cancel the dispute. Since the dispute has already been made in favor of the merchant, Discover is not willing to help reopen the case. I spent XXXX months going back and forth with the merchant XXXX and my card issuer Discover, but Discover seems like not supporting their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 been trying to fix this problem regarding a fraudulent account that was opened by my soon to be ex-husband and his mistress. They used my name, social security number to open an account with XXXX XXXX XXXX. I have requested a copy of the contract from them and have disputed with the bureaus in hopes they would request this contract. I filed a report with the FTC for identity theft ( Ref # XXXX ). So XXXX come back and think that adding my husband name as a joint user make this right? How are they going back and reporting this as a XXXX from XXXX if the prior reporting stopped on XXXX? How is this right? How are they allowed to be vindictive and start reporting this again because I have disputed this fraudulent account Numerous times trying to get help with this. I have attached the before and after of this dispute from XXXX, help me make this make sense. The credit bureaus are not validating this information and Is only going by what XXXX XXXX is saying which is a lie and fraud. I tried working with them and Making this right by paying off the fraudulent account after contacting them back in XXXX when I found out about the account. I paid it off and they advised that they would remove it and they lied. But how do XXXX go back and update an account that stopped reporting in 2019? My next steps is to file a lawsuit against the bureaus.

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 2017-04-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Charges for my purchases were shown pending on my chase checking account and my balance was reflecting these charges being taken out. A week later, my account was overdrawn. But the night before, my account was at a positive. Those pending charges from a week ago were the reason for the overdraft and resulted in 4 overdraft fees. Chase stated this was due to the pending transactions that expired so it was removed from my account and they posted to my account was merchant charged the transaction. I explained to chase that it is not fair to be charged overdrafts when we were not given the opportunity to correct the negative balance. I was unaware these charges disappeared from my account. If I knew my account would be at a negative balance, I would quickly deposit money to my bank account to avoid any overdraft fees. Instead, you are not give an opportunity to fix the negative balance. You are just surprised to see charges posted along with overdraft fees. Understand chase has no control when merchants posts transactions but neither do we, the customers. Chase said I should keep better track of my transactions but I 'm relying on my bank to do that for me. If I have numerous transactions, how can I know when some of those charges disappear? Chase should be helping customers keep track of their finances, not swindle us to make money. They should allow a grace period for now posted charges for expired pending transactions to give us time to fix negative balances if they should arise. How can we keep track of our account if we see a positive balance the night before and get hit with overdrafts the very next day. This is unfair and should be illegal. It sounds like a scam that banks should not be allowed to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: United Collection Bureau, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called debt collector on XX/XX/XXXX starting around XXXX. Tried to understand why my health insurance wasnt billed but Medicaid ( which I dont have ) was billed, and where they even got that information. Debt collector told me that the insurance was billed and denied. I asked for the correspondence between them and my health insurance and he told me know. Just that it was denied. He would not give me any information. Told me to call my health insurance, so I did. They have no record of any claims filled from the hospital or the debt collection agency. When I called the debt collector back to tell them that, he said well you need to contact the consumer who billed the initial bill. So I contact the hospitals billing dept, they stated that they cant do anything now that it is at a debt collector and the debt collector has to file the claim through XXXX ( my insurance ). I called the debt collector back and he finally at least took the billing address as to where to submit the claim. But I want to file a complaint against the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XX/XX/2022 I noticed XXXX XXXX XXXX  was on my credit report and I never applied for a loan wit this company. So I filed an identity theft report and dispute it with all three credit bureau to which all three companies concluded identity theft did occur and deleted the item. On XX/XX/XXXX of this year I was checking my credit report and noticed XXXX XXXX back on my report to which I was not given notice. This is a violation of my rights. Not only did maintain a reasonable procedure to prevent this reappearance which is a violation of 15 usc 1681i ( c ) Equifax also violating my rights under 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) they reinserted a previously deleted item without notifying me in 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a formal complaint that Experian is NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, Experian has damaged my name, and my credit. Experian has entered derogatory information into my credit file. 
A request has been made for the company to provide validation of this debt. So far, the company has not comply with this. The current account is a false account which I 'm not responsible. 


Account name XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/2016

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 2023-04-14
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to communicate twice with the bureau regarding the inaccurate information. I have not received a resolution, causing unprecedented issues to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Last week, I had an incident that made me concerned for ID theft - who used my driver 's license to make drafts from my XXXX bank account. while I reported this to multiple agencies, I assume the same person- now made purchases from the Nieman Marcus website using my credit card for items I do not recognize. I did file a fraud report this morning, closed the current card, and locked it. However, I need to report this again - since this is more serious than I realized. These were three purchases that were made each day - I think the person was waiting to see how fast I could find out. 
XX/XX/2022 Neiman Marcus {$1200.00} XX/XX/2022 Neiman Marcus {$590.00} XX/XX/2022 Neiman Marcus {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Richard Sokoloff, Attorney At Law
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The office of Richard Sokoloff in XXXX NY has been sending me threatening letters for months. As per their instruction, I have called over 25 times and left 16 voicemails to dispute their false claim ; no one has EVER returned my call. I have already settled this debt with my insurance and the hospital as there was an error on their end to begin with. Yet Richard Sokoloff and his office have yet to cease sending me threatening letters. I have a spotless credit report and rating. Such harassment should not ever be tolerated. He should be disbarred.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted XXXX Bank about erroneous charges on this account. It was agreed by XXXX Bank that through settlement this account would be deleted from my credit report. Transunion, XXXX, and XXXX have not only failed to verify the accuracy of this account but also failed to remove it from my credit report. 

The account number listed on my credit report is : XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After a recent inquiry about my credit report I noticed that the information on my account was inaccurate, invalidated, and that the agencies were not reporting with 100 % accuracy. This has caused me to have XXXX XXXXXXXX and is affecting my mental well being. 

XXXXXXXX XXXX : # XXXX has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in Transunion, XXXX, and XXXX. XXXX XXXX is the date account opened which differs from the XXXX and XXXX ( XX/XX/XXXX ) from the Transunion report ( XX/XX/XXXX ). Second Flaw is the number of terms reported on the account which differs from the Transunion and XXXX ( XXXX ) from the XXXX report ( XXXX ). Third Flaw is the payment status report which differs from Transunion and XXXX ( Late 120 Days ) from XXXX ( Late 150 Days ). Fourth Flaw reported was the date of last payment reported which differs from the Transunion and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). The fifth flaw is the date last active which differs from all three credit agencies Transunion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). The last and final flaw is the date of last payment which differs from Transunion and XXXX ( XX/XX/XXXX ) from XXXX ( XX/XX/XXXX ). 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 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.

I have tried to communicate to the companies involved through the BBB otherwise known as the Better Business Bureau and I have not received an accurate resolution in regards to my issue and the companies involved are taking extremely long for a resolution as it pertains and negatively affects my mental health, sanity, and well being.

I demand this account be removed off my credit report due to the laws stated above for the inaccuracies, misrepresentation, and questionable items on this credit 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 non-monetary relief
Consumer complaint received 2022-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 received a hard inquiry alert stating Bank of America made a bank inquiry on XX/XX/2022. I do not have any accounts or applications at Bank of America

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
As of XX/XX/XXXX, I had sent out a letter towards TRANSUNION to dispute the inaccuracies on my credit report for bankruptcy regarding this account : XXXX XXXX XXXX ARKANSAS XXXX. I received a letter regarding investigation on these inaccuracies on my report, but pursuant to 15 USC 1681a ( c ) it states that investigation on a consumer reports entails that you obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. No such investigation was done in this matter. I received another letter on XX/XX/XXXX, stating they have completed the investigation and I did not receive any documentation proving the inaccuracy on my report. I have demanded that I receive documentation from the creditors indicating the inaccuracy regarding this bankruptcy. Pursuant to 15 USC 1681a ( 2 ) ( b ) I demand that you remove the inaccuracy from my report.I express my right to demand TRANSUNION disclose all documents they recorded and retained in my consumers file at the time of request concerning this alleged bankruptcy TRANSUNION is reporting on my credit file. TRANSUNION can not just reply in writing stating that TRANSUNION has verified alleged bankruptcy on my credit file without supporting full disclosure documents of how TRANSUNION has verified alleged bankruptcy. Ive also included documentation from the ARKANSAS XXXX system saying they do no report to third agencies. By publishing these inaccurate and unverified items on my credit report and distributing them, you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because TRANSUNION was unable to provided necessary documentation.

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