BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am filing this report today XX/XX/19 because unfortunately, someone named XXXX XXXX opened an account in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed this unauthorized account until today is because I applied for a loan and I was denied due to that account being in negative standing. I did not open that account and I do not have any written/verbal contract with that company nor have I ever allowed them to run or access my credit information. I did not get anything as a result of that account being open in my name such as money, goods, services or any other benefit and I have already filed a police 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 2017-07-13
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XXXX / XXXX / 2017  over {$200.00} taken in fees due to the order that the bank posted deposits last.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-10
Company: Continental Finance Company, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to get my payment set up to make a payment for the last two weeks with continental finance for my cards ending XXXX XXXX, XXXX, and XXXX. They said they have been doing system update and as such can not process credit card payments. I am now going to be late due to them not having an adequate system. Every time I try to make a payment by phone, they said they can not do it. Every time I try to make a payment online, they give me an API error and it could not be processed.

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 2021-03-10
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a negative credit score, so I disputed the collection because I did not even know about this amount owed or to who. Impacting my credit was the first I heard of it. In attempt to call the company Sarma Collection as shown on my credit report it shows as scam.

The debt disputed was approved and removed, but today it came back up and impacted me at -64 points for a balance of {$130.00}. 
I tried calling the collectors and no response. 

I am in the process of buying a home and this is impacting my home purchasing process. 

Please help. This credit collector for medical violated my rights by not informing me of such bill or a way to stop this from affecting my credit. I am up to date with anything else I owe and had a XXXX credit score before this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
1. XXXX Consumer Dept - XXXX XXXX and several other agents that worked in the consumer department gave me a difficult time, hung up in face several times, provided me with false inaccurate information, delayed my investigation, received false verbal consent from creditors which led XXXX to report false inaccurate fraudulent account on to my credit report for at 6 months and refused to cooperate with me making my life a living XXXX. I mailed ceritified letters, and faxed several documents in just to be going in circles.
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Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i despite sending them, a letter, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00}

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 2017-07-14
Company: Navient Solutions, LLC.
State: OK
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 several issues with not only the information being provided to the credit bureaus by XXXX XXXX, but the accuracy of that info as well.
To summarize the issues I 'd like to see resolved : 1. There are multiple trade lines XXXX XXXX is reporting to the credit bureaus : one states is was opened on XX/XX/XXXX and the other opened on XX/XX/XXXX. Both have the balnce of {$2000.00} ( see attached screenshots ).
2. Both of these closed trade lines are reporting incorrect payment history as well. Showing that I was more than 149 days past due, I have never been 149 days past due in my payments on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
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:
I have written to XXXX, Transunion and XXXX regarding an account they have published on my credit report from XXXX XXXX XXXX. I have gone through the proper channels of disputing this account and have only received a " account verified '' response from them. I DO NOT NOR HAVE I EVER had an ACCOUNT or CONTRACT or anything of the sort with XXXX XXXX XXXX and therefore DO NOT OWE this company ANY debts. XXXX, Transunion and XXXX have FAILED to properly investigate the validity of this claimed debt that is damaging 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 2019-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We went on a trip last year and used XXXX XXXX for transportation. We had 3 trips ( XXXX to XXXX then to XXXX and finally to XXXX. We called at the time this was occurring. The total for the trip -- according to the company -- was XXXX euros ( about {$1700.00} then ). BoA charge us {$2500.00} for those charges. We called numerous times then. Everytime, we were on hold for at least 1 hr. Then we were transferred, and many times the called was dropped and I had to call again. I asked for the name or extension that I could call back. They refused. The only name as was given was of a person from XXXX XXXX -- and that turned out false. He was in Tennessee and he did not work for that division. I have emails from XXXX  XXXX  indicating they only received the XXXX euros. Someone collected that {$1200.00} difference! They finally sent me a letter that they terminated the investigation. Everytime I called they stated that it would take 2 months to get to the bottom of it. After being a preferred client for 40 years with them and having about {$50000.00} in the bank ( savings and checking ), I had to switch to XXXX because I did not trust BoA any more. XXXX suggested that I contact you about this. I can not conceive how a {$1700.00} bill should require a {$2500.00} payment.

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 2021-01-20
Company: Experian Information Solutions Inc.
State: DE
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 paid a XXXX account off dealing with XXXX XXXX I called and verified my payment and that they have me paid out

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 2022-02-10
Company: Colony Brands, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Two Companies 1-XXXX XXXX Store 2-XXXX XXXX ( XXXX XXXX XXXX Somebody stole my identity and tried to open Credit Cards on my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was opened with TD Bank under my name using my address and phone number. Checks were sent to my house and a statement was also sent reflecting the opening of the account that I did not know about or authorize. I contacted TD Bank on XXXX XXXX to notify them that I did not open this account, that is opened fraudulently and I wanted it closed as well as any other accounts that were made in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
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: Account status incorrect

Complaint:
This letter is a formal complaint disputing the inaccurate reporting to XXXX, Experian, and XXXX  by XXXX XXXX, XXXX. 

Due to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to XXXX, Experian, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. 

Please verify the inaccuracy of this information and delete it from XXXX, Experian, and XXXX  and provide me written proof that this has been completed.

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 2018-09-20
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I received an email notification that my credit score had dropped. Upon checking, I saw that a collections account had been added from Online Information Services on behalf of XXXX XXXX. I immediately disputed the debt, and received the first letter in the mail notifying me of this debt, which is dated XX/XX/2018. I was never notified of this debt by this company, or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/XXXX I sent a dispute letter to XXXX XXXX XXXX XXXX for a account that is {$0.00} and was open XX/XX/XXXX to come off my credit report. The letter was returned mail. So I sent Equifax on XX/XX/XXXX a returned mail letter stating that the address they use to report on my credit report is false information and should be delete off my credit report. They send me a update of the address but the old address is still the same on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
never went to hospital someone used my name i filed with ftc i called and told them this they dont stop i dont owe this not my debt they call me harrass me telling me there putting me in jail cal me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: FIRSTBANK
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am disputing 4 different charges of $ XXXX/each ( {$2000.00} total ) using XXXX XXXX made on XX/XX/2019.  Never received merchandise. Seller is not responding to any forms of contact to return payment or send merchandise. I contacted the bank ( XXXX XXXX XXXX XXXX ) as soon as this happened and theyve stated theyre unstable to dispute the charges as of XX/XX/19. I have filed a police report with the local police on XX/XX/19, as well.

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 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TRANSUION is still allowing items report to my credit file. My lawyer and i have contacted the creditors and received written responses by email and mail, which is attached in the documents i included. TransUnion is still trying to waste time and contact the creditors of these 3 unauthorized inquires. The other bureau 's has already taken care of this issue within 3 business days, Why can't transunion do the same!? 

The creditors sent my lawyer and i letters to send TransUnion, stating to remove the following inquiries off my report and TransUnion refuses to remove instantly. 
PLEASE SEND THIS ASAP AND REMOVE ASAP before we pursuit with court.

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 2019-05-10
Company: Experian Information Solutions Inc.
State: LA
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 is STILL refusing the REMOVE an unauthorized hard inquiry from my credit report. I HAVE PROOF FROM THE CREDITOR, that it was unauthorized and should be removed ASAP without further investigation! My lawyer and i have been contacted by phone and email from the creditor. Please remove ASAP.

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 2021-03-24
Company: The Bureaus, 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:
I contacted The Bureaus to dispute their claim that I owe a debt of {$310.00}. The phone numbers provided on the credit report XXXX and XXXX do not connect to the Bureaus, but it connects to a company called XXXX XXXX. Several Managers and Customer Representatives have stated on multiple calls they do not have an account pertaining to me and there is nothing they can do to assist me with removing the debt or resolving the debt. I have not been provided proof of the debt from the Bureaus, and they have not responded to letters, and the phone numbers do not connect you with the company. I disputed the validity and accuracy of the debt with XX/XX/XXXXand they reported back that the company verified with them the debt is valid. HoweverXX/XX/XXXXrepresentative stated to me on a recorded phone call The Bureaus is not required to provide one shred of evidence that the debt is accurate, they did a self investigation and reported back to XX/XX/XXXX their findings. I asked how is it possible to report a debt on my report without 1 piece of evidence? I have not been able to get in contact with anyone from this company, and yet, XX/XX/XXXX refused to removed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX falsely reported a 30 day non payment on my credit report and given evidence of their mistake has continued reporting the false information. I've contacted the credit bureaus and they continue to side with XXXX XXXX even after I have given them the same evidence that XXXX XXXX is reporting false information.

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 2019-05-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
As a result of my previous complaint with CFPB, case # XXXX, I've received a letter dated XXXX from XXXX XXXX XXXX, HSBC Vice President, Head of Customer Relations, guaranteeing that {$750.00} Promotional Bonus will be deposited into my current saving account within 8 weeks from XX/XX/XXXX as long as {$100000.00} minimum requirement has been maintained since XX/XX/XXXX to XX/XX/XXXX. 
Although I have met the requirement and 8 weeks from XX/XX/XXXX ended on XX/XX/XXXX, the {$750.00} has not been deposited into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was the victim of a wrongful foreclosure due to the Massachusetts Court ruling from the XXXX Case.
The property was wrongfully foreclosed by XXXX XXXX XXXX on behalf of Chase Mortgage.
The property in question is XXXX XXXX XXXX, XXXX, Massachusetts XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports provided by TransUnion. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXN Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX AL XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXXT Date of inquiry XX/XX/XXXX TXXXX  Date of inquiry 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 explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was part of the XXXX credit information hack. it is unacceptable that I have to PAY to freeze my credit when I did not consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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