BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
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:
XXXX Treasury Closed Reported XXXX/XXXX/XXXX Lacks XXXX Closed Reported XXXX/XXXX/XXXX Us Dept Vets Closed Reported XXXX/XXXX/XXXX Us Dept Vets Closed Reported XXXX/XXXX/XXXX Us Dept Vets Closed Reported XXXX/XXXX/XXXX Diversified {$340.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Opened XXXX XXXX, XXXX North Amercn {$640.00} Opened XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019, {$2000.00} charged off accounts with XXXX balance and 1099 sent to irs, now changed XXXX ( old account owner to charge off when at the time it was not a charge off just a transfer to new company XXXX XXXX now they are double posting, restated that it was a new debt and changing information to ruin my credit. This is an old debt as well. I want the capone/bestbuy transferred account removed from my credit as you can not double post the same debt. They are also reporting that it is a current credit card with balances suddenly. Transunion is constantly down and not allowing reporting these errors and previous transunion credit fixes stayed pending.

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 2017-12-18
Company: Convergent Resources, Inc.
State: NM
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:
XXXX has been informed multiple times about incorrect information on my report, and refuses to remove it. Specifically due to Identity theft committed by my ex-wife, the XXXX XXXX XXXX account represented by XXXX XXXX XXXX in the ammount of {$240.00}. This account has been removed from all of my credit reports multiple times, but is put back on when XXXX attempts to sell me one of their monitoring products.

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 2020-10-19
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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had a promotional amount that was not earning interest for a time with this credit card, though I knew I could not pay the card off during this time, so I knew eventually the 6 months of interest would be put on. When the interest finally went on last week, it ended up making my card over the limit and I do not have the ability at this moment to pay an extra {$75.00} to get it below the limit. I would like to have an emergency credit increase for this card, even if just temporary, so that while I am over my limit, that is not being reported to credit bureaus and worsening my credit. I have applied through synchrony, but am being denied for an increase of any amount.

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 2019-05-30
Company: Experian Information Solutions Inc.
State: AR
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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 completed an investigation of credit report, no resolution. Stated a company XXXX XXXX provided information. 

XXXX XXXX XXXX have no such information per a letter mailed to Me. Also inaccurate information still reported on file. XXXX XXXX complete investigation on XX/XX/23 but informed your company its still pending. Spoke to XXXX at XXXX XXXX, no public information regarding bankruptcies only insurance information and also address and phone records. XXXX XXXX XXXX  XXXX. 
FCRA 15USC 1681 a this is clearly a violation of this company. 

After your company notified them they adjusted my name as on your report to match information. I do not have a middle name NA. The letter from XXXX XXXX  contains a PIN number and hyperlink which displays all information held in XXXX XXXX files. I have forward this info to XXXX as well. Still no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I WAS SCAMMED BY TWO DIFFRENT COMPANIES. I PAID XXXX  XXXX   {$990.00} WITH A CHECK ON XXXX. I ALSO PAID XXXX XXXX XXXX XXXX 4 DIFFRENT TIMES USING MY AMERICAN EXPRESS CREDIT CARD ONXX/XX/XXXX..XX/XX/XXXX {$390.00} EACH TIME.. {$1400.00} ON XXXX AND ANOTHER {$1500.00} ON XXXX. THESE COMPANIES DID NOTHING FOR ME AND I HAVE TRIED TO GET MY REFUND AND NOTHING HAS HAPPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: TekCollect Inc.
State: IL
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:
In a letter dated XX/XX/2018, Tek Collect indicated that a collection account they are reporting on my credit for {$510.00} would be removed. The letter stated that this debt " should show removed from your credit histories within 4 to 5 business days. '' As of the date of this complaint, a full 24 days has passed with no change to my credit report with any of the 3 credit bureaus. I have even submitted disputes with the credit agencies to no avail, as the disputes have been closed, affirming the information reported is correct. As per the FCRA, the debt is too old to be reporting on my credit to begin with. Responsibility for this inaccuracy lies not only with Tek Collect, but also with the 3 reporting agencies as it is their responsibility to ensure that the information they report is correct. Simply taking Tek Collect 's word is not ensuring accuracy. This is causing me a serious hardship as I am attempting to finance a vehicle and will remain unable to do so until this issue is resolved.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My real estate agent recommended Quicken Loans ( Rocket Mortgage ). I started working with XXXX XXXX XXXX # XXXX in XXXX of 2020. After he run my credit and evaluate my documents I was given a {$350000.00} pre approval letter and he told me I can shop for apartment and it will be an easy closing. In a meantime I was getting phone calls from their sales team on a daily bases asking me to use the letter and pick a unit. 
I finally found a unit and the seller accepted my offer. After several days I received a phone call from XXXX and I was told that my tax amount is not sufficient and they can't approve my application. When I asked why he didn't tell me that in the beginning his reply was " I was busy moving from XXXX  to XXXX  and didn't look at your file properly '' I filed my taxes in XXXX and asked QL to assign a different banker so I don't go thru the same bad experience again. I received a phone call from XXXX XXXX XXXX # XXXX who is XXXX 's director and he gave me all sort of guarantee and promises that my numbers are good and he will make sure everything goes smoothly. 
I found a condo and seller accepted my offer.The next day I was introduced to XXXX XXXX who's a purchase specialist.I was advised to go with 15 % down instead of 20 % and pay little mortgage insurance which I agreed to. 
The whole process was everything but not smoothie was hard to get answers and level of customer service is poor. Anyways I could see movement and the closing day was approaching. My lease ended on the XXXX of XXXX and XXXX told me we can close on the XXXX so I put my stuff on rental truck and moved to a hotel waiting for the next Friday XXXX. 
On the XX/XX/XXXX I received a phone call from a person who works as mediator for the company. He told me they just realized that the building savings aren't sufficient and we can't close on the deal unless I put an additional 10 % down or $ XXXX.I was shocked because that a large amount that I couldn't afford. I was told I can't communicate with XXXX or XXXX unless I come up with the funds.That person was arrogant and he didn't want to hear me out. 
The next day I was contacted by XXXX XXXX a resolution advocate for the company and she tried to smooth the things and promise me that we can work on this and she will be in touch with me. 
I was left homeless, and now the seller tried to block my {$30000.00} escrow money. 
XXXX asked me for all hotel, storage, rental receipts assuring me she will do her best to cover my expenses. 
Today she told me she conducted two investigations and she agrees that my file was mishandled but Quicken Loans can't cover my living expenses while this is ongoing.She also gave me resources in case I decide to file a lawsuit for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Bread Financial Holdings, Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I filed a dispute over my one and only charge I made on this credit card on XX/XX/2017 for {$300.00} ( cost of my insurance deductible ). The dispute was regarding faulty repair services that were received at a dealership ( this is a XXXX credit card ). 

After I filed the detailed dispute ( I also filed a complaint against dealership ), I was told it would be handled and I would receive correspondence. Weeks went by and nothing happened. Via online chat, I inquired about the dispute and was told to continue paying my bill monthly. I did and it's been paid off in full with no balance since. 

I never received any e-mail or postal mail correspondence regarding my dispute from beginning to end. They never did anything at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: AR
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a notification on a credit monitoring site I use saying there was a new collection for the amount of {$130.00} but there is no info on what type of collection it is. The companies name is " merchants credit guide '' out of XXXX upon further investigating through my states ( Texas ) secretary of state website they do not have a license to be collecting in Texas since 2007.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Frost-Arnett Company
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: Investigation took more than 30 days

Complaint:
I have filed disputes for incorrection information on my credit report. It has surpassed the the 30 day window for the results to come back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted XXXX XXXX  on several occasions. There are several fraudulent accounts in my name from this company. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX  XXXX. I spoke to a representative several months back and told them these are not my accounts and neither myself or my spouse open these accounts. They have removed one of the accounts stating after there investigation this was not mine. They did not address or remove the other accounts. I told them I would press charges and fully cooperate if necessary. My wife and I received harassing phone call daily. Not only is this stressful but aggravating. They have reach to other family members to get in contact with me. These are not my accounts and want the harassment to stop.

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 2023-01-31
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I made a complaint about Chase for a joint account I had with my Daughter 's back in XX/XX/XXXX they finally sent a letter on explain what happen. I understand them taking my money out of my private account to making the account good with the joint. And close both account. On XX/XX/XXXX Spoke with XXXX Chase employees and they advise me on a record line that I would received the remain balance XXXX??? in XXXX to 7 days that was taking out of my private account without my daughter 's name. But as of XX/XX/XXXX I have not received a check, so I called to speak with the same employee and he advised me that my check was sent to my daughter and it was nothing them could do, because they account was close. I ask why did yall give my money to the person that account was in the negative and my account made it good. That don't make sense. He said they are the Bank and they would do whatever they want to. I begin crying and saying can I speak with XXXX please. this cant be right it was my remain balance not my daughter 's. The money was in my private account without her name. So can the bank send me to whoever they want?? please help me understand. I did right and pay a off set on a joint account but cant get my remain balance back. Also this was account was set up when she was in College XXXX XXXX XXXXXXXX when do they terminate a college account she is XXXX XXXX  now. So the BANKS have no accountable when they do wrong. Why the check was not made out to both of us and if it was she was able to cash that mean fraud happen. HELP someone help me make sense of this.

Company response to consumer: Closed with explanation