BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2020-12-07
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: CA
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. The term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

2. Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. 
I wanted to provide some information i found in the Fair Credit Reporting Act for the credit reporting agencies I'm making this complaint about. 
I DID NOT CONSENT TO, AUTHORIZE, NOR BENEFIT FROM THE INQUIRES IVE LISTED IN THE FTC REPORT I HAVE PROVIDED I HAVE ALSO PROVIDED PROOF OF IDENTIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
They make it very difficult to cancel their reporting service. 
1 ) There is no online option to cancel the account. ( Its easy to sign up for the account though ) 2 ) Had to wait for 3 hours on the phone to get someone. 

Its the worst experience I had canceling my account compared to any other organization.

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 2017-12-21
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I was approved for auto financing through XXXX XXXX XXXX. On XX/XX/XXXX,  a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX XXXX was the financing company. 

On or about XX/XX/XXXX, I was informed by XXXX  XXXX XXXX that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX XXXX and the contract was signed on XX/XX/XXXX. 
A complaint was also filed on XX/XX/XXXX with the Office of Consumer Credit commissioner. 

Please review attached

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 2021-01-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On the night of XX/XX/XXXX, I went on my chase online banking app and it opened to a message that my account was locked and to call the customer service number provided to unlock it. I called the number immediately and was told that my account was not locked, but closed and that I was no longer able to do business with chase. When I asked why they would not give me any answer. When I asked for a balance of my account to make sure that all of my money was still there, they told me that I couldnt request my own balance from my account. When I asked for my money back I was told that I needed to go to the closest branch. The following morning I went to the chase branch at XXXX XXXX XXXX XXXX in XXXX. I was told to provide proof that I was receiving unemployment from XXXX. Not knowing why I had to do this to get my own money back, I still provided proof. They told me to wait for the documents to get to my profile and to call customer service again to see when and how I would receive my thousands of dollars trusted to this bank in my account. Today, XX/XX/XXXX, I called customer service to get my money sent to me. I was told that my account was under investigation but would not tell me why, they would not tell me the balance in my account so I could make sure I was getting back everything, they also were very unclear if I would get all of my money back. Then I was told after the investigation it would take 7 to 10 business days to get a cashiers check with the unknown remaining balance. In the middle of a global pandemic, when people need it most, they have taken every dollar I have hostage and have given me no reason for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
You all are reporting an account on my credit report that belongs to a minor whom I am not the legal guardian of, and I did not sign paperwork on the date of service as the legal guardian. I am requesting you all to delete the collection account from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) as I am not responsible for this collection account, and it does not belong to me. Once the inaccurate account is deleted, please send me a copy of my credit report reflecting the changes. 


I called the company and spoke with a very rude lady who told me since I am responsible for the minor the account is going to stay on my report. I advised her 5 different times that I was not the legal guardian and that I wanted to see a contract that was signed by me to understand why I was being held responsible and she rudely disconnected the call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Accscient, LLC
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: Reporting company used your report improperly

Complaint:
I have reached out this company serval times explaining that this bill has discrepancy and also does not belongs to me. They have yet to provide any documentation or information to guide me in the direction to have this removed from my credit report immediately.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-08
Company: STOCKTON MORTGAGE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Stockton Mortgage Company failed and continues to fail to pay our taxes from our escrow account. We called and provided a copy of the taxes to Stockton before the taxes were due. We have called Stockton Customer Service at least once a week since, but Stockton refuses to pay them. It has been close to a month and a half. Interest is growing every day with the XXXX Tax Commissioner. In the meantime, we have continued to pay our mortgage payments on time. We are very concerned about a tax lien on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: SYNCHRONY FINANCIAL
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this 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 2021-05-12
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Tried to have the payments reduced starting in XXXX and have received no help. The mortgage is paid in full plus additional fees they charged. Tried to get copies of the transactions and received a copy last year. They sent a copy of the transactions thru XX/XX/XXXX. I have asked them to send copy of the transactions to date on the XX/XX/XXXX. They have refused the additional paper work. They raised interest rates with no notification. I have received no help from Chase Bank. I am on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: EQUIFAX, INC.
State: NH
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 recently discovered XXXX XXXX was incorrectly reporting my account as being 30 days late for the period from XX/XX/XXXX to XX/XX/XXXX. I contested the incorrect reporting and showed them they were not properly crediting the first payment made in XXXX of XXXX. After my complaint not only did XXXX fail to correct their error they reported me late on six additional occasions. The credit reporting is attached. I have also attached XXXX on payments history which show I was never 30 days late. The initial 4 mistakes was their error but the addition of 6 other months and a claim i was 60 dyas late in XXXX of XXXX was not only wrong it was intentionally damaging to my credit report. Not only have I never been late I have always paid in excess on the monthly payment. At this time I am 2 months ahead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
are working on behalf of the homeowner and are working on a short sale. The short sale was closed out without due notice and we were informed that SPS can no longer open a short sale case on the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I was one day late for my payment, I paid in full the next day. I was charged {$170.00} on XX/XX/XXXX for this. I understand I was late and I accept that. However, XX/XX/XXXX I was charged another {$170.00}. I paid on XX/XX/XXXX the day it was due, and there was no balance. I have never had a balance on this card except for the one day I was late. When I called and asked why I got charged another {$170.00} when I paid on time and in full. The customer service person didn't even know they had to go ask someone. I was told I am charged two months in a row interest for the one day late payment. Why? No balance was carried forward. Of course they will not take it off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was taken advantage of due to malpractice, while several laws were being broken under the fcra by your company. This has caused me financial injury, defamation of character, not being able to apply for credit or a XXXX loan during the time of the pandemic. Under this crisis you have hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I BEEN HAVING PROBLES WITH TRANSUNION FOR A FEW MONTHS. THEY CONTINUE TO PUT MY FILE INTO THE FRAUD DEPARTMENT AND I HAVE BEEN A VICTIM OF FRAUD. I CONSTANLTY HAVE TO CALL 4 DIFFERENT DEPARTMENTS BEFORE I CAN SPEAK WITH A REP. THE SUPERVISOR XXXX SAID THAT SHE WOULD HAVE MY FILE REMOVED FROM THE SPECIAL INVESTIGATION DEPARTMENT BUT ITS STILL THERE. I HAVE REQUESTING SEVERAL TIMES TO BE REMOVED OUT OF THAT DEPARTMENT AND PLACE IN THE REGULAR DISPUTE DEPARTMENT. ALSO THAT HAVE REFUSED TO PROCESS ANY DISPUTE I HAVE SENT BY MAIL. I AM REQUESTING THAT YOU PLEASE HELP RESOLVE THIS MATTER.

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 2017-12-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX I became XXXX and approved on XXXX XXXX. XXXX XXXX foreclosure avoided, renegotiated loan with Bayview Loan servicing. House appraised at {$71000.00}. I got the house back for {$100000.00} with {$45000.00} pushed back to end of loan so I could qualify and make mortgage payments. Bayview officer came to my home to sign one document. 
XXXX XXXX XXXX I applied for mortgage susp for XXXX months to do repairs after Irma. Bayview responded  by selling mortgage to XXXX servicing and no suspention of payments. XXXX rep refused susp of payments. 
XXXX servicing read the contract to me over the phone and sent a copy. I have never seen or agreed to part two of contract. They are adding {$45000.00} to the loan for late fees and interest that were waived in renegotiation. 
Back in XXXX I had a choice between taking a {$30000.00} payment and moving or to renegotiate loan. There is no way I would pay twice the value of the house. That 's why it was reappraised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Good Evening Credit Bureau and Agency ; I've written to you guys for many months now, expressing my concerns about several personal information that doesn't belong to me and I've asked on several occasions that that information be corrected or deleted. For example, I've told you guys that the name is incorrectly spelled, and addresses and hard inquiries that don't belong to me. The other information there belongs to my brother and family member that has the same name. I've also gone ahead and uploaded, faxed, and mailed my ID, SS Card, and proof of address as requested to make the correct but you still reporting those issues.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX IL XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00}

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 2022-03-30
Company: TRUIST FINANCIAL CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I received a statement from Truist ( brand name for merger of Suntrust & BB & T ) dated XX/XX/XXXX for an auto loan I had with Suntrust. 

1.Customer Service gave me a phone number that is located in XXXX XXXX XXXX I think the service number I called ( XXXX or XXXXthat was the number in my coupon book ) went to a scammer. 

2.Balance is incorrect. There is a discrepancy of {XXXX}. I only want to owe what I signed up for before the merger. 

The " Previous Statement Balance '' on the first statement I received from Truist does not match the outstanding balance in the loan transaction history listed on the second page of the statement. 
The transaction history indicates the outstanding balance on my car loan to be {XXXX}. This was confirmed per my call to Suntrust automated help line on XX/XX/XXXX at approximately XXXX. The Truist statement indicates a balance of {XXXX} which is incorrect or is due to them charging fees that were never disclosed. 
3. My loan number was changed which does not follow online information regarding the merger.

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