BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-02
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 fraud alerts or security freezes

Complaint:
I have been trying to " lock '' my credit info with TransUnion, a service that they offer. I created an account with them on XXXX/XXXX/XXXX and tried to lock my info. Website reported it was unable to complete request and to try again later. I tried at least two more times on XXXX and twice today XXXX and got the same response. They provide no info on when their system will be able to lock credit info. I am concerned because of the XXXX breach. The other credit reporting companies ( XXXX, XXXX, even XXXX! ) were fairly easy to contact online to freeze credit info. BUT NOT TRANSUNION!

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 2021-06-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: EQUIFAX, 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 an item on my credit report 3 separate times and provided supporting documentation directly from the collections agency as well as documentation showing XXXX and XXXX have deleted the item. Equifax has not reinvestigated nor have they update the item to reflect the correct status or removed it from my credit report. The dates and details are listed below.XX/XX/XXXX: I ran my Equifax credit report and discovered that I had had an unpaid collection for $XXXX  with XXXX XXXX XXXX XXXX. 

XX/XX/XXXX: I called and paind stalling Financial the full amount plus $XXXX credit card processing fee - this is how the payment appears on my bank statement below:
 (	XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX	$XXXX)

XXXX: Requested item be updated as paid collection Conf #XXXX  
XX/XX/XXXX Disputed item Conf XX/XX/XXXX it was verified and not deletedXX/XX/XXXXcalled and disputed item over the phone for reinvestigation conf# XXXX
XX/XX/XXXX: Attempted to fax Equifax supporting documents 5 times and received 5 failed fax messages to the number provided buy the representative over the phone XXXX  
XX/XX/XXXX: Called Equifax to discuss failed fax and was given a different fax number XXXX resent the documents and received fax confirmation that Equifax received supporting documentation fromXXXX  and XXXX credit bureaus 
(fax confirmation below:
XXXXXX/XX/XXXX
to me 

Dear XXXX XXXX

Your fax to Equifax at XXXX has been sent successfully!
Successful delivery of your fax was confirmed at XXXX XXXX Eastern Daylight Time onXX/XX/XXXX
Your fax included 1 page of coversheet with your text and 17 pages of attached documents.

Thank you,
XXXX

(id#XXXX))


XX/XX/XXXX received dispute results for Confirmation #XX/XX/XXXX item was verified and not removedXX/XX/XXXX received dispute results for Confirmation XX/XX/XXXX(generated by the fax I sent in) item was verified and not removed despite sending a letter directly from the company via fax that the item had been paid off.XX/XX/XXXX I attempted to log into my Equifax dispute results and was given a message that said that my social security number was impacted by the security breach that happened during the summer and I was prompted to sign up for XXXX XXXX credit monitoring which I did. I received and email to activate my account but when I attempted to I was told to wait 48 hours

XX/XX/XXXX I ran my credit report via XXXX XXXX and the item remains on my credit report.XX/XX/XXXX: I called Equifax and was told that the item was verified as unpaid and open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This alleged debt was originally with XXXX. XXXX was unable to validate the debt and the alleged original creditor ( XXXX XXXX XXXX XXXX ) was also unable to prove this alleged debt belonged to me. The debt was REMOVED from my credit reports. This alleged debt is now with Capio Partners and is now being reported on my credit reports. I would like this debt removed from my credit reports immediately. 

This debt does not belong to me.XXXX XXXX was unsuccessful in proving the debt was mine when working with XXXX collection agency and resulted to selling the debt and/or using another collection agency to attempt to collect on a debt that has not been proven to be my debt. 

This is an inaccurate and illegal reporting and I want this account removed from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX and Address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX 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 without my written instructions

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 2021-06-12
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions 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:
My issue is with Experian and XXXX. I am submitting 2 letters that I forwarded to each of the agencies separately. These letters were forwarded by mail after 4 calls made to each on the same days between XX/XX/2022 and XX/XX/2022. 
I verbally explained what is contained in the letters to 4 different representatives and 4 different supervisors from each company ( 8 people total ) .I was told that an electronic dispute would have to be filed. I explained that the FCRA suggest a " Reasonable Method Of Verification '' and that eOscar was a computer algorithm that is subject to errors versus a human being making contact with said company or information being disputed. I suggested that is not reasonable. I did not accept that form of verification and ask for document6s bearing my signature. I also suggested to each representative and each supervisor from both agencies that their policies were inconsistent. I explained that before I began to address the account that was not mine and the 2 late payments on a closed account that was inaccurate, I verbally disputed addresses on my reports and those addresses were removed with no question. I f that is the case should not all disputes be suggested to be investigated electronically?

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 2017-10-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THESE ACCOUNTS WHICH LETTERS ARE ATTACHED DO NOT HAVE ANY DELINQUENCIES, PLEASE HELP ME TO CORRECT THEM THROUGH BUREAUS AND ALSO FROM CREDITORS, I HAVE ALREADY RECEIVED LETTERS FROM CREDITORS ( HENCE ATTACHED ) THAT THEY HAVE APPROVED OF THESE LETTERS TO BE INACCURATE AND NEED TO BE REMOVED FROM MY CREDIT REPORTING AGENCIES, BUT BUREAUS ARE NOT WILLING TO COOPERATE PLEASE HAVE THEM TO CORRECT THEIR INACCURACIES. 
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 non-monetary relief
Consumer complaint received 2017-09-30
Company: EQUIFAX, INC.
State: MD
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 repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX. substantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.

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 2022-04-08
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The only told me to provide prof of my incoming funds. They told me to send them my cashapp transcript. I sent to them XXXX. I never heard nothing from them. They closed my account with over XXXX $ in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Frontline Asset Strategies, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was never aware the company gave my information out to another company which is against the law. Also amount stated thats owed is incorrect I have a letter to prove this information to be incorrect, also have recorded conversations from the company XXXX  with me agreeing to pay them the amount owed which I held up my end of the deal and made payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Company, XXXX, XXXX, and XXXX, made a false statement that I had been properly notified about a court action regarding a debt they claimed I owed. ( It stemmed from XXXX XXXX for my granddaughter, XXXX XXXX ; they claimed that I co-signed. I did not. ) They said I had been properly served. I had not been. Since I had not been notified, I did not appear in my own defense, so they won a judgment. ( XXXX XXXX ) and placed a lien on my property. They did not notify me in any manner. I did not find out until about it until I applied for a property loan in XXXX of XXXX. XXXX, XXXX, and XXXX is the company who won the judgement against me, stated that I had been lawfully served, and filed a lien on my property. Part of the troublesome path I have been through is that these three companies stall and waste time by blaming the other. All three are involved ; I 'm naming the XXXX ... because your question asks who notified me of this debt. 
I got a lawyer in XXXX of XXXX, who won for me ( XXXX XXXX XXXX XXXX XXXX for Naught Judgement Lien that has been filed with Registrar of Deeds. Also a judgement for lawyers fees. I can not afford to pursue collection. 
Now a lawyer tells me there is a two/three year statute of limitations to sue them. And I ca n't collect the judgment because the cost is prohibitive. 
XXXX, XXXX, and XXXX won in court without proper serving. ( They said I had been served by leaving information with my granddaughter, XXXX XXXX, at her house in which I had never lived. ) XXXX, XXXX, and XXXX filed a lien for {$7100.00}. I was never notified. 
Love, XXXX, and XXXX ( or XXXX XXXX XXXX ) owes me {$1900.00} as awarded by XXXX County judge,  XXXX XXXX. 
I have suffered other financial damage because of being denied a loan from my bank. 
I have suffered other damage because of the time and stress in trying to deal with this series of events. 

I have documentation for all these activities, but I do not know how to attach them. It is all on hard copy because my computer blew last fall and this electronic file went with it! The company has received all the material either from me or my lawyer. I have 43 pages of documentation, if the company wants to see any of it, I can mail hard copies to them..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A company called XXXX XXXX has been charging my credit card unauthorized {$19.00} per month for a service that I did not sign up for. This has been going on for 9 months ; the amounts were small, and I do n't often check my account online. The bank would only go back 90 days, so only XXXX of the XXXX charges will be reversed. All of this activity is fraud, and should be reversed.

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 2019-10-11
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:
Creditor Name : XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX. - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted

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 2022-04-08
Company: WELLS FARGO & COMPANY
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have been the victim of Wells Fargo opening three accounts which I did not authorize. They were opened by Wells Fargo employees. Case numbers were XXXX Related Case Number : XXXX. I just received an Email from Wells Fargo saying that I had tried to open an account with Wells Fargo using email address XXXX. I haven't worked at the establishment for 1.5 years. I feel that once again Wells Fargo will fraudulently open an account for me and then bill me as their employees practice deceit. I would never open a Wells Fargo 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 non-monetary relief
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: TN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: BMW Financial Services NA, LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My last lease with BMW Finance has a 30 day late showing on both my and my wife 's credit. We were exactly 30 days late as I was out of the country and my automatic payment with my bank expired. I paid it as soon as I learned of the issue ( exactly on the 30th day ) and BMW Finance said that they understood the issue and would remove it from my credit. They didn't ... 

My family has purchased or leased 6 vehicles through BMW finance in the last 10 years ... and this has been the only issue we've ever had, and yet they have significantly harmed our credit as a result. 

Not exactly good customer service given the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase LN XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Chase is committing servicing fraud on this file. Chase is taking a week to issue closing approval and refusing to issue closing approval until XX/XX/XXXX. 


In their approval letter Chase requires the HUD and signed closing docs 72 hours prior to closing in order to have time to review the documents. Therefore, on XX/XX/XXXX ( Tuesday ) I sent the HUD and signed closing docs along with a request for closing approval so that we may close as quickly as possible. ( see attached documents 'HUD for closing approval us ' and 'Approval Chase all fe '. They would not un-pause the task to upload the closing docs until we called in and requested that it be done immediately. We request extensions automatically on all our short sales with Chase because they are so apathetic to the timeliness of these closings. We put an estimated closing date on the HUD of XX/XX/XXXX because Chase consistently requires multiple escalations in order to give HUD approval to close. We gave them extra time just in case we know they are incompetent to begin with and we ALWAYS have to call in and push them to do their job. As it turns out, there was no point in doing this. The Chase rep I spoke to today said that closing approval was scheduled to go out on XX/XX/XXXX ( same day as closing ) and they didnt care when the closing docs were received they refused to work on the docs within the 72 hours stated on their approval letter. ( see attached 'Approval Chase XXXX ' ) No one at Chase even seems to know what TRID means. Has anyone at Chase even received the federally required TRID training? As an originating lender Chase will not even order funds without closing approval which means they would have to have closing approval 24 hours in advance of closing. Waiting until 1 hour before funding cutoff is not acceptable. Chase is an originating lender and they should know this. Its not rocket science. 



Chase is taking ONE WEEK to review closing docs. THIS IS NOT ACCEPTABLE. 

Why is Chase directing their employees to violate their own approval letter? Why do we have to consistently push and escalate the closings with chase in order to get them to do their job??? 


We are not the only ones with these same issues - see attached 'SS Superstars same isses pdf '. 



Would you like us to post recordings of the phone calls online?

Company response to consumer: Closed with explanation