BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-05-15
Company: EQUIFAX, INC.
State: MN
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 have recent inquires that I do not know about about my Equifax report. The companies are XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Heartland Resolution Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never been to XXXX Texas or seemed medical attention there. This is incorrect. Also I have XXXX so if I did seek medical attention it would be paid by the state. So something is not right. Also this is the first time I've heard about this. So we need to resolve this immediately. So if it's identity theft I can do what I need to to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
This is a complaint for the American Xpress XXXX card. Last night on XX/XX/18 I tired accessing the mobile app and web website to check my balance. Nothing would load on either one, so I called customer service. They said the systems were down and to call back in 1-2 hours. I waited until this morning XX/XX/18 and again both systems are down. I should have my direct deposit form work today and I cant access any of the funds to pay my bills or get groceries. When I called customer service back, they again said systems are down and it would be 1-2 hours and to try then. I advised them that what they told me last night. The woman form customer service said sorry there isn't anything she can do. So here it is, 5 more hours later and still no access to see my funds, or most importantly to use my funds to pay bills and eat. This is completely unacceptable and you would never hear about an issue like this on the " regular '' credit card side of things. Where is the business continuity plan for the XXXX side of Amex? This is costing me and many others a ton of inconvenience, frustration, and again most importantly money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Acct # XXXX XXXX XXXX XXXX my credit limit was {$700.00} I was charge an additional XXXX after account was closed also same place Acct # XXXX my credit limit was {$400.00} I was charge another {$300.00} after account was closed I have rights 15 U.S.C 1681s 2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I need both of these 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 2023-06-23
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:
15 USC 6802 Pursuant to 15 USC 6803 At the time of establishing a consumer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations. 

Pursuant to 15 USC 6802 ( b ) ( 1 ) ( a ) such financial institution clearly and conspicuously discloses to the me. Your institution violated me by not giving me the right to opt out clearly and conspicuously. 

In addition, Pursuant to 15 USC 6802 ( b ) ( 1 ) ( b ) the customer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, in which you violated this law as well because I was never disclosed this at all. 

I was to be given the opportunity and explanation of how I can exercise my right for nondisclosure. 

This account is not supposed to be reporting on my consumer report this is my demand to remove this account. 

Account XXXX Account 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 2019-03-19
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I received a Personal Loan that ultimately was Constructive fraud. The loan was suppose to be placed into my checking account and I would pay off the credit cards that I choose called peer to peer. But instead Schools First Federal Credit Union made it a Credit Card Rewrite Loan forcing paying off the cards themselves. They misrepresented the loan they gave me in writing. I got loan 81 XX/XX/2018. 
. They also were lying stating that they only do loans up to 48 months when they do them for up to 60 months. 
I have XXXX XXXX which was for {$6800.00} with interest is {$7900.00} at 7.45 %. My loan documents say nothing about a Credit Card Rewrite loan. I paid it down to {$5400.00} so far. The loan documents are not accurate do to the CONSTRUCTIVE FRAUD. I always pay. Never late! 
I was also offered Overdraft Protection on my checking account with them which I was told was not a line of credit. However, if I had insufficient funds it had a 3 % fee which does not affect the credit score. And I was  also told the bank does not send out disclosure notices on it. When I finally used it several months later, my statement showed a 12.90 % rate for the {$1300.00}. I called and asked several times for the disclosure notice to be mailed but it was never mailed. 
Another bank I do business with sent me a disclosure notice on their Overdraft Protection today. It is not a line of credit. The overdraft protection above turned out to be a line of credit from SFFCU. CONSTRUCTIVE FRAUD AGAIN. Again, I was not accurately informed again. It was not for insufficient funds. 
Also, I was offered a line of credit at 8.49 % elsewhere at {$5000.00} at the same time as the {$1300.00}. XXXX offer. Why would I take {$1300.00} at 12.90 %? This is Constructive Fraud or IMPLIED DUTY OF GOOD FAITH TODAY SFFCU offered me {$20.00} to correct the interest of {$6.00} on the overdraft protection with new loan options which will r hi n my credot score. However, the issue is they gave me a loan lying about what it really was and deceived me on loan 81 also. I would not have taken it. I will need an email or fax to send documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: OneMain Finance Corporation
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was misled into believing I had an offer. They performed multiple hard credit inquiries for the same product. Each time they had a question that they had to stop they would make a new inquiry on my report for the same loan. Then they withdrew the offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have 2 American Express Business credit cards which was under financial review for 20 days. Amex requested XXXX to get transcripts from IRS and verify income. After waiting over 20 days and providing all requested information, Amex informed me that they have decided to close the account because of the income listed on business credit card application is not accurate based on the transcripts they received. My business is a XXXX XXXX and income net income from the business is transferred from business to my personal via XXXX XXXX. They only looked my personal taxes without even looking the corporation side depreciation deductions and other staff and made their decision based on that. I insist that the numbers they are trying to consider as my income is not accurate and does not reflect my real income. They need to evaluate both business and personal taxes to get an accurate income information. They closed my account without valid reason and forced me to disclose my personal and business taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, 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. I hope the following items will be corrected as soon as possible. 
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

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 2022-10-11
Company: MAS Associates, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am under contract for a property located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX effective as of Friday, XX/XX/2022. As part of the mortgage process and due to the volatility of interest rates, I interviewed multiple mortgage lenders one of which was Equity Mortgage Lending and their agent or representative XXXX XXXX. On Tuesday, XX/XX/2022, I made a decision to proceed with an alternate lender and executed their initial disclosures and locked my interest rate. I had no further communication with Equity Mortgage Lending and did not execute disclosures or any other documentation implying that they were the agent I had chosen. Shortly thereafter, I had a home inspection done and continue to proceed towards closing. I believe on XX/XX/2022, my current lender attempted to order an appraisal and became aware that the FHA Loan # was being HELD by Equity Mortgage Lending and requested an immediate transfer. They appeared to respond promptly and indicated that they transferred it to another company in error which we now find to be false. Apparently, they have gone back and forth and received multiple excuses until I became aware of the situation yesterday, XX/XX/2022. Because of the holiday, I waiting until this morning to again ask XXXX XXXX XXXX and Equity Mortgage Lending to release the FHA Loan #. He was clearly upset and verbally berated me for not proceeding to close the loan with his company and said that he " will get to it when he can. '' This is beyond unacceptable and clearly in violation of my rights as a consumer. In my opinion, this is not only unprofessional but I am at risk of not only losing my contract, but also losing the earnest money deposit and the advance fees I have paid to close on my home. Further, as interest rates continue to rise, I may also fall outside of the lock period and suffer additional damages which I will seek to recover if the FHA Loan # is not properly released today, XX/XX/2022. I am asking for your assistance in forcing this transaction and the re-assignment of my FHA XXXX # to XXXX XXXX Mortgage. Please feel free to contact me directly if you require any further documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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. 

Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX, Account # XXXX, Account Name : 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 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.

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 2018-05-24
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
A couple of months ago, after years of not having credit cards, I decided I needed some access to credit for a month or so to cover expenses. 

I applied for 4 cards one of which was the Chase XXXX XXXX and was approved and got the lovely card in the mail. 

I used the Chase card quite a bit with the knowledge that I would pay it off over the next 4 months when my projects finished and I was able to invoice my clients. 

After using a good amount of my credit on the unlimited card. I found myself declined for a purchase so I reached out to Chase. They informed me suddenly that my account was now closed and this was due to multiple inquiries and over usage.

You can imagine how shocked I was, especially since I made my last payment early and was on my way to establisshing a nice, reliable relationship with Chase.

Not only that, but they would report to the Credit Agencies that it was " Closed by Granter '' which frankly is absolutely unfair as now they decide to close my card and ruin my credit! For no real reason! 

I asked the rather rude fraud specialist manager that if I plan to pay this off and on time, why should that effect my credit and can you do something ... Nothing. I have never been treated as a new customer so poorly.

I ask you how fair is me joining the Chase family, utilizing the card given to me, paying on time, warrant a 7-year mark on my report and losing my card account?? 

I hope chase is the kind of company that will resolve this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: WATERSTONE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I'm days to close on a mortgage and everything ( documents ) on the painful process has been complete ; we are in the final stage to close, and the lender is not accepting my funds to close, arguing that my money may be a XXXX  or XXXX  source because I have deposited XXXX cash from my safe in order to have enough money, because of this, the lender is requiring a gift letter from someone else to justified my funds. As a result, I'm loosing around {$2000.00} which I invested already on the appraisal, survey, inspection and {$1000.00} tittle deposit. 
I can prove that the funds available in my bank accounts are clean money coming from my two jobs and my retirement deposits, and NOT XXXX money from XXXX  or XXXX  money as they suggested. I have refused to close with the demands of the lender not accepting my personal funds and asking me to get a gift letter. In addition, the lender refuse to provide a final closing statement until I don't provide the gift letter. 
My name is XXXX XXXX, and my phone number is XXXX XXXX. 
Thank you for your attention in this matter.

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