BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus, but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2020-04-24
Company: SYNCHRONY FINANCIAL
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:
My son purchased a motorcycle and I co-signed a loan for him thru Synchrony Bank. He is the account owner and had been making regular payments. The bike was defective and he voluntarily surrendered it to Synchrony Bank. He signed the Voluntary Surrender Form and Synchrony Bank accepted the bike. I contacted Synchrony Bank and they acknowledged they had the form he signed. They indicated that the bike had not yet been transported from where it was located, due to the coronavirus pandemic. They also refused to remove the incorrect information from my credit report. As the bike is now in full possession of Synchrony Bank, which they accepted fully, any other issues pertaining to it, are only between Synchrony Bank and my son, not me. I can not get a job or mortgage unless Synchrony Bank removes the negative and incorrect information 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 2023-01-04
Company: TRUIST FINANCIAL CORPORATION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX items on credit card statement from XXXX, XXXX, XXXX, XXXX, all disputed. XXXX XXXX shipping department is so non-functional I NEVER RECEIEVED ANY MERCHANDISE! I complained to no avail and the charges are still on my credit card almost 2 months later. In the meantime the thieves at Truist Bank have double-dipped on a payment of XXXX. I have the inestimable pleasure of paying for items TWICE. Their employees are a stone wall of idiocy, and they KNOW no goods have never been delivered, and yet they refuse to take the charges off.

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 2020-03-02
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i opened a checking account with First Midwest Bank under a promo where i would receive {$250.00} if i followed through with several requirements. This included 10 debit card transactions, XXXX deposit, e-statements, and mobile banking. 

After contacting them several times about the details of the bonus requirements and if i had satisfied them, they are now refusing to pay out bonus because according to them - i didn't sign up for e-statements. I don't agree with this statement from them. When i finally was able to login online, i went into their system and selected online statements for the checking account. Their website timed out several times doing this, but i finally got to a screen where it worked. For some reason, my e-statement selection must not have stuck, but they told me i didn't fulfill this requirement. 

I am alleging that something reset or didn't hold on their website 's end, and they are not refusing to pay out bonus because of an error on their part. 

In addition, a few weeks after i opened the account, i got a letter in the mail saying i was signed up for overdraft protection. I remember opening the acct and not selecting overdraft, but they then went ahead and signed me up for this even though i opted out of this service. 

I had planned to use this account and switch over all of our household accts. After getting some less than reasonable service i wanted to wait until bonus paid now. Now, i am very disappointed about them denying this bonus due to a problem on their end.

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 monetary relief
Consumer complaint received 2021-07-14
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: Was not notified of investigation status or results

Complaint:
A few months ago I noticed incorrect information being furnished on my credit report. I sent a letter to the credit bureaus on XX/XX/2021. To this day, I have not heard back from them. I wrote a new letter today and will be mailing it out today.

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 2020-03-02
Company: EQUIFAX, INC.
State: NV
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:
Equifax, XXXX, and XXXX is inaccurately reporting data on my credit report that does not belong to me. I am a victim of identity thief and these companies has been advised with a copy of the ftc report along with a police report. 

XXXX XXXX XXXX shows a past due balance of XXXX XXXX shows a past due balance of XXXX XXXX XXXX   XXXX shows a balance of XXXX Per FCRA accounts that has been charged off should not report with a past due balance. This is inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I originally applied for the Chase Sapphire Reserve ( CSR ) in XXXX of XXXX. I tried applying Military Lending Act ( MLA ) fee waiver after I applied. It was denied since Chase did follow MLA at the time. I paid for the annual fee for the first time. In XX/XX/XXXX, Chase approved a new policy stating that all new account holders would get MLA applied. I tried getting it applied but since my account was too old, I did not get it. I was told to close my account and retry in XX/XX/XXXX when I could apply for a new account and get the benefit applied ( I also paid for the second annual fee ). In XX/XX/XXXX, I product shifted my old account and applied for a new account. It was denied since Chase changed the rules. Now I have to wait for 4 years to get a new account. I talked with the military chase representatives and application representatives, but they said they could not do anything. So I switched my account back since that was all they could do for me. So I had to pay a XXXX annual fee for the 3rd time since they keep changing the rules. I feel like they are changing them to avoid waiving my fee. With MLA, I should not have been charged the annual fee for the second and third time. This totals XXXX dollars and I will probably have to pay the fee again in XXXX for the fourth time ( XXXX per year ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-28
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This is a fraudulent document presented by IC Systems. I did not and would not agree to such terms.

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 2023-08-31
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-28
Company: Experian Information Solutions Inc.
State: KY
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:
XX/XX/2020 XXXX said I opened an account which is not true I was XXXX  at the time the account is XXXX there number is XXXX I call and can never get in touch with them. This is reporting on my Experian report and I would like this account removed off my report it says I have late payments 90 and 120 days which is not true because it is impossible for me to even open the account in the first place. This is really having a negative impact on my credit report and I would like this resolved!

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 2023-03-07
Company: EQUIFAX, INC.
State: NY
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:
The inquiries on my credit report is fraudulent I did not give my written permission to said persons to view or share my credit report see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this account in full with XXXX XXXX in XX/XX/XXXX. Now as of XX/XX/XXXX this account showing up with LVNV funding. I have tried numerous times to have this rectified by

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : Open Date XX/XX/2020 Balance : {$20000.00}

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 2023-03-15
Company: Experian Information Solutions Inc.
State: TX
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:
I am demanding that the credit reporting agencies stop reporting this account for inaccuracy - the date last active does is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX, the payment history is inconsistent, and Experian is reporting it as a foreclosure in XXXX of 2017 when this is an auto loan. There are also XXXX different account numbers being reported XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX received false information from XXXX pertaining to a bankruptcy associated with the social security number provided to me. They've since added the false information to the credit profiles for which they maintain under my social security number. I've connected with XXXX who has since removed the false information related to the bankruptcy from my XXXX report. Experian and XXXX have failed to provide me with documentation for which my signature is attached to showing how they were able to prove the validity of the bankruptcy. The courts have stated that they do not provide information to third parties and gathering information without verifying its validity is illegal. XXXX has sent documentation to both Experian and XXXX regarding the removal and they have not updated 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 2022-01-12
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a prepaid XXXX card for my grand daughter as a XXXX present. We had a hard time with activation. I called the company and they gave me a hard time also. They wanted my grand daughter 's information and I ask her to put in in my XXXX account and they refused. I bought the card and she just wanted to spend it like any other prepaid card. My grand daughter is only XXXX years old and I feel that they don't need her information. I would have gladly put it in my name and gave her the money another way. I bought this card at family dollar and they did not say you can not return it until I read the receipt instead of telling you when you buy it before you paid for it. Either way my {$50.00} is on this prepaid card and we are unable to spend it. Times are hard, she need things and unable to get her anything because we can not use the prepaid card. All I want is my money back in check form or another prepaid card that is not connected to 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 explanation
Consumer complaint received 2020-03-02
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, I wrote to LexisNexis Consumer Center and requested a security freeze be place on my Consumer Disclosure report. I also requested to opt out of LexisNexis disclosing future information until further notice including the C.L.U.E report and other reports furnished LexisNexis regarding all personal information of mine to credit bureaus and creditors, but also future potential employers until I lift this restriction. Finally, I requested LexisNexis to send me a FREE copy of the information you are reporting about me as of the date you receive this request. In my request, I provided my Driver 's License Number and Social Security Number as well as my Name, full date of Birth and Address, and also enclosed a copy of my State issued Driver 's license and Social Security Card. This request was mailed via certified mail. 

On XX/XX/2019. LexisNexis wrote back indicating that they were unable to process my request as they were unable to " authenticate me '' with the information I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase LN XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX We called in again today to get a status on the HUD approval for closing. We were informed that even though we submitted documents on Tuesday XXXX/XXXX/XXXX nothing has been done on the file for the last week and has not even been submitted for closing approval. 

I was transferred to XXXX XXXX in the Escalations Department. She said she could not do anything except make sure that the closer communicated to us. She denied any knowledge of TRID. She denied any knowledge of the CFPB. She did not care that the Chase-required 72 hours for closing approval has long since passed. 

It is obvious at this point that Chase is so understaffed they are not even able to perform basic supervisory functions and train their staff appropriately. 

She then went on to question why we would schedule a date for closing when we didnt have HUD approval yet. It is obvious from this question she has no training on closing procedures for real estate transactions. 

Isnt there anyone that can do anything about the egregious lack of training and supervision at Chase?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I found a billing issue when I checked my credit report. Billing mistakes include any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately represent a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not give me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. Please update the data that the following accounts are reporting. The list of the contested accounts is provided below ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX  XXXX XXXX Balance Owed : {$1900.00}. Additionally, despite your claims that the disputed accounts were true, you have not provided me with any papers to back up your assertions. I don't believe your allegations will result in the inaccurate information on my credit file being reported.

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 2020-03-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Im a victim of identity theft someone got my information and ran up my accounts I did contact the companies and they did removed the negatives items of my report but now theyre back on my 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 2019-04-25
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was denied a banking, The bank said it was due to my XXXX XXXX Report ... I requested the XXXX  REPORT AND FOUND 3 different bank accounts open with balances and Judgments that were not mine due to Identity Theft. I want this removed from my XXXX Report it is causing me financial issues. I've placed a fraud alert on my credit report, and contacted the FTC.Gov. Please Remove this information immediately and send results to the address on this report I will be giving. ASAP. Thanks

Company response to consumer: Closed with explanation