BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-27
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:
Since XX/XX/2020 i have been reaching out to TransUnion. 

To begin with my personal information section is incorrect. My employment, phone number, address, and alias are all incorrect. 

The investigation results i receive back from TransUnion are always " verified '' as accurate. None of the requested information to deem these accounts as " accurate have been provided '' This is against the FCRA sec 314. 

TransUnion is using my personal information section to verify these accounts, when it's inaccurate therefore all the investigations conducted are inaccurate and these accounts must be removed by law. 

TransUnion violated TILA by reporting the improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures. 

TransUnion violated the FCPDA attempting to collect more than what is owed. In addition TransUnion is threatening a lawsuit with one of the accounts when I have no intent to sue. 

TransUnion violated the FDIC by not reporting accurate information on my credit report. 


How does TransUnion get away with this type of behavior. I have certified to TransUnion that these accounts do not belong to me. 

It has now been over six months, still same answers from TransUnion. 
To be fair I did receive account statements from XXXX XXXX, but the statements had a different family members name on them. Also account statements are not legal proof of verification so you failed there. In addition, the statements had amounts on them with accumulated interest which is against TILA. 

I have been denied a home loan because of your failure to comply with the law and delete anything that is not 100 % accurate or verifiable. 

Who is verifying this information? I don't get it how can i go back and fourth for six months and nothing has happened. We are in a standstill. 

I don't want to wait 30 more days, i have waited six months. There is nothing to investigate if the information does not match why are you reporting it? 

I have copies of over 30 dispute results from TransUnion showing " updated '' " verified as accurate '' without having anything to show for. How does this happen? 

I just don't understand who is running this nonsense? How has this been going on for six months and you have not followed the law? 

Everything used during the dispute process and complaint process will be used against TransUnion in the XXXX XXXX court if you fail to remove the incorrect, inaccurate, unverified information from my report this instance. This has gone on for way too long and it's time to take this to the next step.

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 2021-03-27
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Equifax credit score went down over 100 points in XX/XX/2020. There were no derogatory remarks on my account and the other credit agencies reported an increase in my scores. I called Equifax, spent well over an hour on the phone and was only offered a free credit report in the mail. Nothing was resolved. Now once again I checked my score today and again they dropped it over 40 points. My scores from all the other agencies are around 600. Equifax has it at XXXX!!! Ive been on time with all payments and working very hard to increase my score for the last 9 months and theyre destroying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have tried to remove a security lock on my Equifax credit file but after countless hours on the phone they have not figured out why they can not unlock my credit file. They claim its a technical error but my Equifax has a lock on it and it can not be unlocked so my mortgage lenders can pull my credit for me to obtain a mortgage. 

Equifax transfers me from person to person, department to department and no one can fix my problem. Im attempting to get a mortgage and need my Equifax report to be unlocked. This is debilitating for me as a consumer. Very unprofessional staff - nobody seems to know what they are doing at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: White Jacobs & Associates
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
We received a letter from XXXX XXXX XXXX XXXX XXXX. threatening to sue our office. The fax number listed on the letter is for White, Jacobs & Associates. The letter stated that the attorney was  licensed in Texas, Colorado, Georgia and Washington, DC. Our research revealed that the attorney is suspended in Texas, Colorado and DC. We called the phone number for the attorney found on the Georgia XXXX XXXX and spoke with the attorney, who stated he is no longer practicing law and that the letter is a forgery. I called the telephone number for White, Jacobs & Associates found on their website and, using the dial by name directory, was connected to the extension for the attorney, XXXX XXXX XXXX. The recording stated that his law practice is permanently closed. I then transferred to an agent, who acknowledged that they sent the letter and then, after placing me on hold, came back and said that he spoke to the attorney, who said that we need to communicate only in writing. Clearly this is not true. This company, a credit repair organization, is committing interstate fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/identity theft. All s being investigated by the FTC. According to FCRA 605B, This information must be blocked immediately until the investigation over.

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 2020-09-10
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am requesting reimbursement for the private mortgage insurance payments I remitted to the Servicer as a part of my mortgage. On the following dates : XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, I made a concerted effort to attempt to informally resolve this matter. 

The Servicer responded via e-mail on XX/XX/XXXX & XX/XX/XXXX indicating I do not have any " unearned premium '' which contradicts public law 105-216, XX/XX/XXXX, 112 Statute 897, also known as the Homeowners Protection Act of XXXX which promulgates, " Not later than 45 days after the termination or cancellation of a PMI requirement, ALL unearned premiums for PMI shall be returned to the mortgagor by the Servicer. '' The Servicer is failing to adhere to the federal statute referenced above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
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:
SinceXX/XX/2020 i have been reaching out to TransUnion. 

To begin with my personal information section is incorrect. My employment, phone number, address, and alias are all incorrect. 

The investigation results i receive back from TransUnion are always " verified '' as accurate. None of the requested information to deem these accounts as " accurate have been provided '' This is against the FCRA sec 314. 

TransUnion is using my personal information section to verify these accounts, when it's inaccurate therefore all the investigations conducted are inaccurate and these accounts must be removed by law. 

TransUnion violated TILA by reporting the improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures.

TransUnion violated the FCPDA attempting to collect more than what is owed. In addition TransUnion is threatening a lawsuit with one of the accounts when I have no intent to sue. 

TransUnion violated the FDIC by not reporting accurate information on my credit report. 


How does TransUnion get away with this type of behavior. I have certified to TransUnion that these accounts do not belong to me. 

It has now been over six months, still same answers from TransUnion. 
To be fair I did receive account statements from XXXX XXXX, but the statements had a different family members name on them. Also account statements are not legal proof of verification so you failed there. In addition, the statements had amounts on them with accumulated interest which is against TILA. 

I have been denied a home loan because of your failure to comply with the law and delete anything that is not 100 % accurate or verifiable. 

Who is verifying this information? I don't get it how can i go back and fourth for six months and nothing has happened. We are in a standstill.

I don't want to wait 30 more days, i have waited six months. There is nothing to investigate if the information does not match why are you reporting it? 

I have copies of over 30 dispute results from TransUnion showing " updated '' " verified as accurate '' without having anything to show for. How does this happen? 

I just don't understand who is running this nonsense? How has this been going on for six months and you have not followed the law? 

Everything used during the dispute process and complaint process will be used against TransUnion in the small county court if you fail to remove the incorrect, inaccurate, unverified information from my report this instance. This has gone on for way too long and it's time to take this to the next step.

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 2020-05-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied Citibusiness AAdvantage platinum select card in XX/XX/XXXX, with the promotional offer of getting XXXX miles after spending {$5000.00} in 5 months. The terms and conditions are very clear is that " XXXX XXXX AAdvantage bonus miles are not available if you have received a new account bonus for a CitiBusiness / AAdvantage Platinum Select account in the past 48 months ''. I am aware of it and I never own a citiBusiness AAdvantage card before. 

Citi denied the offer without any notification and I only find out in XXXX after I spend {$5000.00} and did not get the welcome bonus. I called Citi 4 times each time spending over 40 minutes explaining to them the situation. Each time the agents relay my request to their rewards department but refuse to provide any direct form of communication. The rewards department interpret the rule as " Your business received a new account bonus on XX/XX/XXXX on account ending in XXXX '' thus disqualifying you. However the card ending in XXXX belongs to another employee in the business and has nothing to do with me. I have no control over other people in the business and disqualifying my promotional offer because other people in the business applied the card before is unfair. At the very least, if that is the rule, it should be clearly communicated in the terms and conditions in the application page that the promotional offer is not available if the " business '' ( not " you '' ) has received new account bonus in past 48 months.

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 2021-03-27
Company: BARCLAYS BANK DELAWARE
State: NY
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: Their investigation did not fix an error on your report

Complaint:
The credit card has been closed since XX/XX/XXXX. The remaining balance has been paid. This closed account has remained on my account for almost 10 years. Its been paid in full since XXXX. Ive experienced several hardships from the time the account was open until the account was closed. Ive requested to have it removed as there no longer is a balance and it is hurting my report. During the time the account fell delinquent I was unemployed and also facing other hardships so I was unable to make payments to this 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 2021-03-27
Company: I.C. System, 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 information incorrect

Complaint:
I've tried disputing this account via credit bureaus multiple times due to incorrect balance showing, however they have failed to update the information. I want this collection account removed as they are not reporting correct 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 2019-05-29
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
They keep reporting as a collection on my credit reports and can't provide accurate data such as correct amount owed, correct balances or the accurate age of this account, which by the way is over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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: Information belongs to someone else

Complaint:
I was a victim of the XXXX Data Breech and my personal information was compromised. 
There were two accounts reported on my credit report - one from XXXX XXXX and the other from XXXX XXXX that were opened as a result of identity theft. I had notified both companies and sent them police report and FTC Fraud report number and asked them to delete the information. They have not. 

I contacted all three credit reporting agencies - Experian, XXXX   and XXXX and provided them the police report details as well as the FTC report. They have not deleted those off my credit report as of now. I filed the identity theft report with the credit bureaus in XXXX towards the end. 30 days have passed and Experian is saying that the debt can not be removed because it is valid. Of course, it would appear to be valid if my identity was compromised. I did not open those two accounts. The Federal Trade Commission has advised me to file a complaint with the FCFB. As of this moment, I have heard from Experian but have not heard from XXXX and 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 2023-02-21
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:
N accordance with the fair credit reporting act XXXX XXXX credit # 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 w
ithout my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My dispute is with Equifax itself. My complaint is this : I recently been informed that Equifax has been breached again by four XXXX XXXX. The last time they were breached my info was compromised and if they can not keep my private info safe then I dont want them utilizing my info in any way at all. Why should they be able to have a hand in major credit decisions in my life when they have failed time and again to keep my info safe. I'm really alarmed at this new breach because my identity was compromised and I'm still having credit issues with the last breach. I would like to file my own personal suit against them for incompetence which is my right. They hold too much power too be infiltrated so easily. I would like compensation and I wan TV my precious info removed from their databases before XXXX XXXX they hurt me in a way that I wont be able to recover from. This info is my life and sacred and I expect Equifax to keep this info protected as they promised that is my binding contract with them and they gave breached contract too many times now for me not to take action on a personal level not a public lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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 set up a platinum card and a balance transfer of approximately XXXX. I set up automatic payments through hill pay and my bill was never probably debited from my checking account. I tried calling and gave up after thirty minutes on hold.

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 2020-11-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX my XXXX account was compromised & a purchase was made on my XXXX  account using my debit card. The thief bought a XXXX camera for {$490.00}. He had it shipped to a address in XXXX Florida, I have lived in XXXX XXXX Florida my whole life. XXXX is over 7 hours away from my home. I got a email from XXXX immediately but, I did not notice this transaction until 2 days later on XXXX. By this time the item was already on its way to the thief. I immediately filed a dispute with my bank CHASE and also contacted XXXX. This transaction does not show up on my XXXX which is weird because I have never had my debit card information on XXXX itself, I always use XXXX. This is odd because when i make a purchase with XXXX I always receive an email from them, I did not get an email from them for this transaction. CHASE sent me a temporary {$490.00} while the claim was investigated. On XXXX I received a letter from them that they concluded that the transaction was authorized and they would be taking the {$490.00} back. I find this very unfair as I never authorized this transaction and I live nowhere near XXXX nor do I have family or friends there. Please help me out, it is a lot of money and I work hard for my money. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PRIOR TO WRONGFUL FORCLOSURE WAS WORKING WITH HUD AS REFERRING. ONCE PRIMARY BORROWER PASSED IMMEDIATE DENIAL FOR HARDSHIP & WAS FORCE TO VACATE PRIMARY HOME. THE LENDER HAS YET TO ASSIT WITH COMPLETE UNDERSTAING OF PROFIT AND LOSS. CO BORROWER MYSELF WAS AWARDED XXXX SSI SINCE XX/XX/2006. PRIOR TO INSURED BORROWER PASSING FOR WRONGFUL DEATH. LIVING ADDRESS WAS NOT A BUSINESS. INCOME WAS EXEMPT FOR BOTH

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 2018-04-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My wife and I are attaching a copy of the letter we sent to the credit bureaus, asking for a credit investigation. More than 30 days have past, and we have not gotten responses yet. The bureaus are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a refinance with Rocket Mortgage XXXX they were our prior lender ). We were approved and signed closing documents. Three weeks after our close date that is listed on the website ( XXXX ) we are told that the refi has not closed ( even though it shows closed and a payment due ) because of a covid attestation question that was not answered, which I answered last week. We are now being told that even though it shows the loan closed we may have to resign at different terms but noone can give me any info. We currently are showing two open mortgages with two payments due. I am beyond frustrated that even though our loan supposedly closed last month and we were to skip our XXXX payment I had to go in and make a payment half way through the month on the OLD loan that was supposed to be paid off. I have still gotten zero resolution to this and it has been 3 weeks since our " second '' loan has closed.

Company response to consumer: Closed with explanation