BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was completely dismayed when I saw all these tradelines on my credit report.. I disputed the accounts asking XXXX what is going on why the accounts are verified when in fact, they are not accurate.. That tells me that they did not take appropriate measures to investigate each one of them.. CFPB please handle this issue and remove the accounts asap XXXX XXXX ( multiple entries ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX   XXXX ( duplicate reporting ), and XXXX XXXX ( duplicate reporting )

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted several request to transunion to provide proof of validation of debt I have not received a response it has been XXXX days. the debt companies reporting I have not signed any documentation with this company. My personal information has ben provided without approval. Transunion has disregarded my request to rectify this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: UT
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: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping.

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 2019-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 have autopay set up on my account with Capital One credit card account. I use my business checking to pay for it. 

In XXXX, I closed my business checking with XXXX and withdrew all the money. I, then opened my account with XXXX and deposited said money. 

I updated my Capital One credit card account autopay to withdraw from my new XXXX account. 

On XX/XX/XXXX, i had a successful auto draft from my XXXX account to pay Capital One. 

XX/XX/XXXX and XX/XX/XXXX, somehow my payments came from the XXXX account again causing them to be rejected. 

Now they are reporting poorly on my credit and i have to pay fees and charges. My score has dropped almost 60 points. My credit card cant even be used now. 

The worst part is i was never contacted until I chatted with someone online today who said that she couldn't request a call back for me. Whomever called was rude so i asked that she escalate me to someone else. After a long wait, the manager got on the phone and not soon after the call was disconnected. Interesting. 

I also went to update the information and schedule to pay the balance and fees, i notice that my XXXX account is the only account saved. So now i am wondering how many other people are still be charged from old account after they have updated their information. 

I have screenshots as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank account, had traces of fraud. Bank did not attempt to contact me by email or phone in regards to account having unusual activity. Multiple stimulus checks were deposited different names of people, And unauthorized transaction were made through my XXXX account. The bank didnt not attempt to contact me until 2 days later when my bank account was left at XXXX. I attempted many times to resolve this issue with the bank directly and had no luck. I soon had a police investigator look into the matter and they refused to release any further information, and soon froze my account and denied me access to my XXXX account. Since then the bank has failed to grant me any further evidence for the past year that may help me resolve this issue.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have tried to contact credit bureaus multiple times but they did not respond me back. I wrote to them earlier to remove some negative accounts reporting on my credit report. Now I may qualified to launch a complain against them that they are in violation FCRA rules and not properly investigating my disputes.

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 2021-02-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an HSBC premier checking account with HSBC with the offer to get {$450.00} after meeting 3 direct deposits of {$5000.00} during 120 days. 

I made the following direct deposits : XX/XX/2020 : {$5000.00} XX/XX/2020 : {$5000.00} XX/XX/2020 : $ 5002 Months have passed and HSBC has refused to post the bonus. 
Despite multiple follow ups, they give me the run around and have failed to honor the promotion. It is to be noted the promotion is still active and even advertised on HSBC.com. see below for the link https : //www.us.hsbc.com/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HSBC has engaged in blatant bait and switch. I met the terms of the offer and they refused to honor it and have given me the continued run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: KS
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: VA
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 items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-22
Company: EQUIFAX, INC.
State: WA
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 filed multiple disputes with Equifax along with copies of my identity theft report, proof of where I have lived for 4.5 years on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 and they still continue to say I am responsible for a debt that is on my credit report even though again, I have told them and given them documentations that show that I am a victim of fraud. The amount of the fraud is for {$6200.00} with XXXX XXXX via XXXX XXXX XXXX XXXX who is also not giving me proper documentation so that I can have this fraudulent account removed from my credit report. The proof I have given them should be plenty sufficient to prove that I am not the one who rented this apartment and that I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19
Company: TMX Finance LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
The name of the company is 
Title Max in Pasadena, 


I made this title loan back in XX/XX/XXXX. Never a late payment

Until XX/XX/XXXX, my balance was XXXX, ( I stop borrowed, and every month I paid XXXX approximately for at least 15 months) and this balance was always remind the same until I paid XXXX toward the principle in XX/XX/XXXX, my balance became to XXXX1 on XX/XX/XXXX but this company wanted me to still pay at least XXXX each month and they told me my balance will always remind the same unless I pay off the loan....this is Not Fair

They have kept me on the dark side of my consumer right and want me to pay the highest interest rate and disregard my consumer's right, they also fired 4 staff that have been helping me to made payment every week because they don't want me to know my right to pay off this loan, I have paid more than XXXX to this company in XX/XX/XXXX to XX/XX/XXXX not counting the previous month that I have made to this company....

When I asked for my receipts to be send to me( bring this case to the Court,) they have adjusted my balance down to XXXX as of XX/XX/XXXX .

I stopped making payment in XX/XX/XXXX, because I think it's not fair 
( started in XX/XX/XXXX, I made 2 times every week, which is XXXX for each month which is XXXX)

When I passed 1 day to the payment ( I set to pay Monday and Friday every week they will called me on Tuesday and want to collection of the payment, this is rediculous.....

They also refused to send me the receipts of XX/XX/XXXX, XX/XX/XXXX , and call and they told me to make payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NAVY FEDERAL CREDIT UNION ( NFCU ) FAILED : to provide timely lending as they promised & accepted payment for. Their breach in timely service caused the delay in closing of my home purchase, which resulted in my emergency expenses, time demands for coordination, risk of loss of transaction, & risk of loss of earnest money payment. 

NFCU CLAIM : NFCUs untimely realization of the correct address of the property purportedly contributed to their late ordering of the appraisal. Further, the untimely departure of the NFCU employee handling my account may have been a contributing factor in their purported late recognition of the property address. 

NFCU CLAIMED SOURCE OF CONFUSION : NFCU received one courtesy copy of a document detailing my offer to purchase a house, however I did not win the bid to purchase that property. On a future date, I contracted to purchase a house & provided the sales CONTRACT signed by myself & the selling owner of the property. Numerous subsequent documents & emails with the ONLY house I ever contracted to purchase were provided to NFCU. Then I paid NFCU for the appraisal of the house.

COMMUNICATIONS : multiple verifiable emails, receipted document uploads, legally recorded conversations & phone calls completely prove complete notification of the property address.

LOSSES & GRIEVANCES : my losses are more extensive than this form allows for me to elaborate, but briefly, I incurred excess expense due to NFCUs delay : hotels, eating at restaurants, loss of other appliance transactions, loss non-work holiday days to accomplish moving tasks, the closing transaction, & house repairs, unutilized activated utilities, & more.

Multiple written requests for due relief have gone unanswered. Some acknowledged requests have been reported back to me incorrectly on subsequent conversations. I believe I have fully exhausted all direct means of coordinating an offset for their negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We sent many documents to this company to work with NationStar/Mr. Cooper on our behalf. Every application was denied. We later found that the information concerning our income was incorrect. But at this time we have submitted an appeal of the decision but we have not heard anything from Mr. Cooper concerning the appeal and the submission of new documents, We have XXXX children and we sincerely need our home. 
Before we contacted XXXX XXXX XXXX we tried to talk to Mr. Cooper they wouldn't talk to us or give us any information. 
They filed foreclosure against us and had an auction date for our home before. 
The XXXX XXXX XXXX told me to file bankruptcy to stop the sale. I thought they were going to file it for me but they told me I had to do it my self. I did file and now we have the appeal submitted and the bankruptcy has been dismissed. We are very nervous that a new auction date will be given to us and we could lose our home. We do have money saved to pay toward a good faith payment if they would only give us another chance. Please help us all you can. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This lady called me about a settlement offer. She stated that she was from American Profit Recovery a firm that she represents. She want d all my personal information identified by me but I told her that I would need a letter stating what this matter was about. She then proceeded to start yelling and told me I would be going to jail if I did not corporate. I hung up. Then a XXXX XXXX calls later on from the same number and leaves this message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wages were garnished to satisfy a debt with XXXX XXXX XXXX a rental agency by Clark County Collection service. When I checked my credit report, they are stating I owe {$60.00} for fees incurred. This feels like a second victimization. I paid the fee. When I contacted the company they stated they were sending out notices for small fees they did not include in the garnishment. I explained that it had been several months since I paid off the garnishment and they were now attempting to collect more debt. This is on my credit report as having been open since XX/XX/2015. I don't understand how they can do this. If the debt was paid, why am I paying additional fees? They also have not billed me or sent any information stating this account has been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a ftc report to credit report agencies and creditor and received no results and this has caused me much distressed having fraudulent accounts being reported to my credit report. I reported these fraud cases on 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 explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account numbers still varies even after 1st investigation between the bureaus Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any.

( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692 G violations 4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This account is showing up inaccurate on my credit report and I don't appreciate my credit report showing fraudulently misinformation on my credit profile while its violating my regulation z acts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress 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 2019-09-05
Company: Experian Information Solutions Inc.
State: OH
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 have reviewed my Credit report and found several account unrecognized items from THE CREDIT BUREAUS office XXXX XXXX XXXX XXXX ***, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX***. I don't remember doing any business or having having a contract for services.However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

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