BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
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:
I ordered a copy of my report in _XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XXXX, Experian has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX I believe it was reporting in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX & CO XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Information on My TransUnion Credit Report Dear TransUnion, I am writing to dispute the accuracy of the information on my TransUnion credit report. After reviewing my TransUnion credit report, I have identified an item that I believe is reported incorrectly. The details of the disputed account are as follows : 1 : XXXX XXXX XXXX  2 : Dispute of Collection Account from XXXX Account Number : XXXX XXXX Current Balance : {$180.00} Payment Status : Collection I have carefully reviewed my credit reports from XXXX and XXXX, and neither of them reports these collection account. Therefore, I believe that there may be errors or inaccuracies in the TransUnion report. 

I kindly request that you investigate this matter and verify the accuracy of the information being reported. I do not acknowledge any debt with the creditor. This dispute is solely a request for an investigation of the accuracy of the information. 

I expect you to complete your investigation within the 30-day period required by law and provide me with the results. If the information is indeed found to be inaccurate, I request that you remove it from my TransUnion credit report.

Enclosed, please find copies of supporting documents, including evidence that may assist in your investigation. 

Thank you for your prompt attention to this matter. Please respond to my dispute at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Sincerely, 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 2022-07-14
Company: First Advantage LNS Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX apartments expects rent payments dating back to XXXX of the year 2021 in spite of the lease I signed expiring in XXXX of the year 2021. I have signed legal documents stating that I would not be renewing my lease with XXXX XXXX, and have not lived in the apartment for over eight months. I have contacted them on multiple occasions explaining this to no avail. My keys, parking passes, parking stickers and recreation center passes have been returned to XXXX XXXX apartments since the date of XX/XX/XXXX of the year 2021. XXXX XXXX has not contacted me in over three months, leading me to believe the financial charges were absolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: TX
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:
This company violated my rights YOUR COMPLAINT In accordance with the Fair CreditReporting act. The List of accounts below has violated my federally protected consumerrights to privacy and confidentiality under 15 USC 1681 the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has violated y rights with this information on my report under 15 U.S.C 1681section 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: TN
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 a closed account with XXXX that is reporting to the credit bureaus as 6 accounts with late payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. My latest communication with XXXX was on XX/XX/XXXX, I spoke with XXXX and she verified that I only have one account with them and could not see why it was reporting 6 accounts. The account number is XXXX. The account was paid and closed on XX/XX/XXXX in the amount {$32000.00}. I have disputed the duplicate accounts with all 3 credit bureau and they have come back with accounts are correct. I have also previously spoken to a representive with XXXX regarding this. The accounts have the same account umber, same late payments, and same close date. Also the accounts are showing 90 days late on XX/XX/XXXX with no late payments prior to that date. How can an account report current in XXXX and 90 days late in 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 2016-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Requested report and score ( for which I authorized payment ) from TRANSUNION CREDIT CO. Suddenly there appeared a monthly {$19.00} recurring charge on my credit card. Did n't authorize, did n't know what it was for, no confirmation or acknowledgement sent to consumer that such charge would take place. After researching the internet I was able to get instructions to " cancel '' my " membership ''. There were many such complaints online about this practice. TU has said there will be no more charges. The sales rep had such a strong foreign accent that I could barely understand him. I have also alerted my credit card company who have said they will cancel any TU charges and issue a new card if necessary. I have alerted them as well and am still fuming. Thanks for providing this site.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Why is it that we have to pay for PMI, and ask for forbearance? 
If we pay PMI and are effected by COVID school closures and job losses go on forbearance, I feel that PMI should pay mortgage payments for those affected after or before forbearance, or refund mortgage payments? 
Is humiliating having to explain why you have it, and now that we need it Booyaw, stick it to the poor man

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an attorney who represented me in a collection case with XXXX. He entered into an agreement with Kramer & Frank in XXXX XXXX, to which I paid faithfully every month until my obligation was met in the fall of XXXX. I noticed that none of my payments was recorded by XXXX, and they still have me owing the final amount, which was not the negotiated amount. I then got another letter from XXXX & XXXX trying to collect the same debt. What happened to the money I paid Kramer & Frank? Why hasn't the XXXX account been credited with that money, and why isn't the debt being adjusted by the payments I made. The payment arrangement was not much different than the total amount of the debt owed - in other words, it wasn't a 50 % debt reduction. So I want XXXX to recognize the payments and the debt to be satisfied as per our agreement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been a customer of Capital one, it is only a {$2500.00} credit on my account. Never missed a payment ever. My bank returned payment during XXXX. 

Capital One DID NOT call me at all to tell me or try to collect. I paid this overdue payment from XXXX and on the day or the day after this payment became 30 days late they have reported me to the credit bureaus as 30 days late. 

I have tried to get them to remove this but they won't. Literally every single other credit account calls me to tell me and also to try and collect over the phone and they DID NOT. 

It is very unnecessary of them to report this. I am a single XXXX and trying to move to a new place and this will lower my score 100 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-29
Company: Experian Information Solutions 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 've disputed this collections amount because I have no knowledge of the account itself. The bureau investigated and item and status has remained unchanged since my last dispute in  XXXX   2017 .

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 2016-11-14
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen. No paperwork to participate in class action suits. We were victims of wrongful foreclosue and fake loan mods. Losing payments. Unposted payments. And more

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2022-08-13
Company: Bread Financial 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: Reporting company used your report improperly

Complaint:
XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. XXXX XXXX XXXX of XXXX Anne Taylor XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under a late for and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Upgrade, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have had multiple incidences where Upgrade has received my payment but holds it rather than applies the payment to my account. Today, when I spoke to them about my payment that has been with them for eight ( 8 ) days and still not applied, the customer service rep said their website payment instructions say to allow them fourteen days ( 14 ) from date payment is received to apply it to my account. 

I believe this is willful fraud to collect late fees from customers and is doing irreparable harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2021-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 applied for a Capital One Secured credit card and in XX/XX/XXXX I was approved. I submitted my secured card payment of {$200.00} and it posted on XX/XX/XXXX and on XX/XX/XXXX they refunded my $ XXXX was charged a {$49.00} fee and they never refunded the fee. Then I was told that they were closing my account. The letter I received said that I requested the account to be closed, which I didn't. I called Capital One and I received no valid answers to why the account was being closed. 
Then in XX/XX/XXXX, I received a pre-approved regular credit card from Capital One. I accepted and all was good. But a month later I received a letter saying they were closing my account. Their reasoning was as follows, " We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family or household purposes. '' I couldn't believe nor understand what they were referring too. I have only had this card for 1 month and I my only charge was {$87.00} for XXXX. I was also charged the {$39.00} member fee. Then a month later they are closing my card. I called again to ask why and they could not tell me why. They made it seem like I was a criminal. I told them I have a right to know. I was told that they do not have to explain why they are closing my account. 
I feel as a consumer and a cardholder being told that there is activity not consistent with their expectations, I should have a right to know. Also I should be refunded both the fees of {$49.00} and {$39.00} that they charged me because I did not get to use the cards for my benefit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am concerned by the fact that I have NEVER received a FREE Credit report from Equifax ... I have had to PAY for them ... and on an ON GOING Basis. WHY IS THIS? This was the only way I could receive it online. Is that standard practice? I was so desperate to see what my report looked like I DID Pay, both my dad and I. Once for {$15.00} on XXXX 2015 AND again on XXXX/XXXX/2015. The site said " Failed '' and the only way I could get it was by PAYING For it! XXXX XXXX TIME THIS HAS HAPPENED ) I want to know why I could not have access to my report without having to PAY for it, more than {$30.00} in less than a XXXX month period? 
And Possibly be reimbursed since I never received a XXXX Copy this Year. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed collection accounts multiple times from all three credit reporting agencies to include Transunion, XXXX, & XXXX. I have completed disputes as of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and today. I have also called and have been unable to speak to a representative over the phone. Transunion has removed the incorrect reporting of collection agencies on my credit report ; however, XXXX  and XXXX  has not. I have not been provided with a copy of any contracts or payment terms, agreement, and history with my signatures from any of these companies to include XXXX XXXX XXXX ( {$3300.00} ), XXXX XXXX XXXX ( {$650.00} ), XXXX XXXX XXXX, XXXX. XXXX XXXX ( {$300.00} ), XXXX XXXX XXXX, and XXXX  ( {$1700.00} ).

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 explanation
Consumer complaint received 2022-10-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2022 my husband XXXX XXXX endorsed his payroll check, ( which was a chase business check issued by a verified company ) over to me. I used mobile deposit to deposit in into my account. Days later my account was restricted, so my husband and I both went into chase bank to verify his identity with XXXX forms of i.d . chase bank is refusing to release my husband 's check even after providing proof of his identity, verification that he endorsed it to me, and that it was a legitimate check issued by his employer. They closed my account. I still do not have access to my funds and they refuse to release my money. I want to file a complaint of negligence in Chase bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-09
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I 'm XXXX years old and my KeyBank account has been compromised. By a attorney who has used fradulent documents to get access to my account. Which has allowed this attorney to get my privilege information. Which include my checking, saving and my investment information. When I first contacted KeyBank no one seemed to know anything about these actions. I went to court several times and there was no attachments. Then after the last time going into court this attorney told the court that he had my money. With out my knowledge I 've never been contacted at any time in regards to this issue. I feel very violated I never had any judgements at all never even been to court about this. Just out of the blue he choose my name to include in his scam. Preying on the XXXX trying to get there money which is basically stealing.

Company response to consumer: Closed with explanation