BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
To whom it may concern, I sent in my disputes to XXXX, XXXX and TransUnion to dispute addresses on my credit reports and the arrived to all 3 bureaus by XX/XX/2021. 

In the dispute I stated that the only address that should be on my credit report is the address that stated on my Government Issued Identification. Currently there is more than that address on my credit report. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items were supposed to be reinvestigated or deleted from my credit record within 30 days. 

Not only were the inaccurate information not reinvestigated, It was done so by the E-Oscar system that these bureaus use. In the responses I received from XXXX, TransUnion and XXXX, they didn't include any documentation of the reinvestigation they did to verify the inaccurate address. 

. 
This is my final attempt of disputing this with the credit bureaus as I have yet to see proof of their investigation of this matter. If the inaccurate name variations don't get removed I will be filing a complaint with the FTC and seeking legal action for every violation that's reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 sent several disputes regarding the two mortgage Companies reporting on my account. The only open mortgage I have is with XXXX XXXX. Please have them remove the account from XXXX XXXX. I have asked for proof with no response.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between XXXX  XXXX and XXXX XXXX the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. I would like the aforementioned information to be deleted pursuant to the law mentioned in the above sentence all late payments, and or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: GOLDMAN SACHS BANK USA
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:
Transaction date is XX/XX/21 for the amount of {$1200.00} dollars and merchant is XX/XX/XXXX 
The reason for this dispute is because i purchased an XXXX  XXXX XXXX XXXX and was received a XXXX  XXXX. I have tried to contact the merchant but they have a fake phone number online and numerus scam reports online. They do not reply to email as well as they only have robot replying. 
This has been the most ridiculous dispute I have ever had in my life. The first dispute was submitted back in XX/XX/21 and it was denied due to " merchant has proof that i have made the purchase '' I called back apple and told them I have NEVER ever said that it was a fraudulent purchase. They reopened the case and it was denied under the same reason, so is the third time, finally the fourth time they changed a reason. They denied the case again due to " merchant has provided a credit '' I called XXXX  again and the agent apologized to me and told me she just checked and no credit was provided by the merchant. She re-opened the case again. But i doubt this time it will be resolve so i have to complain here. 
It feels like whoever is working on the dispute just check whatever reason they want. They didnt investigate thoroughly. Even the agent i talked to that help me open the dispute told me she is sorry and she has heard so many people got scammed by XXXX. But I am not resolving at my end and losing so much money getting scam because Goldem Sachs bank for XXXX  can not protect me and they made decisions randomly. 
I have a good credit, barely report for dispute and yet this is first time happening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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: Account information incorrect

Complaint:
Experian was unable to verify these accounts, so they had removed the accounts. As I was reviewing my report, I noticed that Experian reentered these accounts on my report which cause my score to drop. I have sent out letters informing them on the situation and haven't been able to get any response.

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 2019-04-05
Company: Receivables Performance Management, LLC
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX was reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2019 2019

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 2021-10-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Subject : excessive interest charges against Care Credit Card without notifictaion of the amount of the charge and overlimit the account without deducting the new balance from avilable credit in amount of {$190.00} leaving the available credit XXXX, The payment were paid on time. 
Thank you for reviewing my complaint and I appreciate your time and efforts. I put a charge on my care credit card for a XXXX  for a family member in the amount of {$1000.00} in early of XXXX as the insurance would not approve the XXXX Care credit were charging me a monthly payment of {$37.00} and later {$29.00} every month. The balance of last statement of XX/XX/XXXX was & XXXX and available credit was {$160.00} and after I made the payment of {$29.00} I have available credit {$190.00}. In XXXX I made the monthly payement and then I got the monthly statement with the amount of {$1100.00} and I was shocked because even when I paind the monthly payment I credited XXXX with an interest charge {$350.00} and I realized that the new balance is the sum of old balance XXXX and {$350.00} but I expect that they would deduct the new balance from my availble credit {$190.00} which make my balnce below the limit ( XXXX ) and I would have enough credit. I contacted care credit about the issue but they were ignoring my question about my available credit ( {$190.00} ) and how it is not included in the statement. The manger were blunt that no changes will be considered toward my credits that I earned over 22 months. I need to resolve the issue with care credit because it is not fair practice to take care credit away especially for those who really need it without informing the customer about these charges upfront so I can be prepared for the issue.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 explanation
Consumer complaint received 2021-10-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied to the Citi bank small business credit card ( CitiBusiness / XXXX XXXX XXXX Mastercard Credit Card ) sometime in XXXX and they were requesting a form 4506-C for the request of my tax return transcript. I sent via mail and they got back to me that the form has been incorrectly filled out and instructed me to send in via email to XXXX XXXX so I did send in that document on XXXX and called to get a confirmation that they received the document. I called 2~3 times just to make sure if they received the document and they confirmed. I called again last week to have an update on my credit card application and they told me that they received my tax return transcript from IRS and are processing it. I just called today and the representative stated that the application is canceled because I did not take any action for more than 30 days. 

I did send in the documents via email on XXXX and it clearly has not been more than 30 days. I would understand if the application is denied for a proper reason but I do not accept this credit card application cancellation. 

Application ID : 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 non-monetary relief
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Please be advised that CREDIT BUREAU is reporting the wrong address information on my credit report. Please delete this address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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 have reached out to original creditor multiple times and disputesd with credit bureaus. I am not responsible for charges on this account. My information was taken when I was in treatment for XXXX XXXX in another state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My initial complaint was on XX/XX/21 ( XXXX ). I have a HELOC with US Bank. This HELOC is tied to a court case that has been going on for almost 15 years. I have been in constant contact with US Bank, but it is so hard to talk to someone at HELOC department. The balance is approx. $ XXXX. I talked to a senior mortgage person ( Ms. XXXX XXXX in Texas ). In XXXX I got the first installment from Defendant for {$48000.00} which I immediately deposited to my HELOC account ( A/C # XXXX ). 
There she kept saying : Our conversation is on recorded line! I wanted to know what will be the balance of my HELOC after this payment and she said {$170000.00}. and she continues if you pay the interest of {$740.00} the balance will be current and it is {$170000.00}. I did deposit {$740.00} the next day. Now that I am refinancing my first mortgage and HELOC, they are calculating a crazy amount of INTEREST ( over {$2.00} XXXX! ). She also promised to correct the wrong reporting to the credit bureaus! ( 11 times ). I am a XXXX-year-old mother with XXXX XXXX struggling to keep my home which I have been living in for the past 25 years. I will be so happy to just get rid of US Bank. They are terrible.

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 2023-01-07
Company: Experian Information Solutions 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'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records XXXX XXXX XXXX XXXX XXXX XXXX. I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance 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 2023-02-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 explanation
Consumer complaint received 2021-10-05
Company: Novad Management Consulting LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage servicer, XXXX XXXX, is blocking a payoff. On their website it shows a balance due that includes the " second lien '' partial claim, and this is also shown on their statements. 
They refuse to show this on a payoff which leads me to believe that they do not want the customer to be able to pay them off. This also is an issue as it is a FDCPA and possibly a Reg X violation in terms of servicing the mortgage properly. 
In this case, the website shows a balance that includes the partial claim ( owned by HUD and serviced by Novad ). The statements show the same. The payoff does not. This leads to consumer lack of clarity on process and is not a correct display of information. XXXX XXXX shouldn't show the balance of the second in the total XXXX on their website and in their statements, but then choose not to do so on payoffs ( citing that the second is serviced by Novad and owned by HUD ). This seems like a scheme to continue to collect money while payoffs are delayed. 
Lastly, I see no notice in the workout package signed with XXXX attached that Novad would be servicing the second. This, indeed, is a workout package coordinated by XXXX and implies that XXXX ( now XXXX XXXX ) will continue to be involved in the second 's balance due. I received no notification from anyone related to servicing of the second until Novad provided a service transfer letter last week ( 4 weeks delayed into the payoff request process ). My selling and purchasing transactions are now in jeopardy as the payoff from Novad has not yet been supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 COLLECTION ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX. I XXXX XXXX XXXX HARD INQUIRIES : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SOFT INQUIRIES : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Inquiry XXXX XXXX AUTO FINANCE Promotional Inquiry XXXX XXXX XXXX XXXX  Prequalification for Credit Card XXXX XXXX  XXXX XXXX XXXX to XXXX Report XXXX XXXX XXXX XXXX Promotional Inquiry XXXX XXXX, XXXX Direct to Consumer Report XXXX XXXXXXXX XXXX XXXX Promotional Inquiry XXXX XXXX XXXX Prequalification for Mortgage 10. EQUIFAX INFORMATION SVCS Automated Consumer Interview System 11.EQUIFAX INFORMATION SVCS Automated Consumer Interview System XXXX XXXX Account Review Inquiry XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Tuesday, XX/XX/2020 XXXX XXXX they sent my information ( Including the amount owed // {$980.00} ) to a random email address, which is my father email-address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022 we made a payment to our Capital One credit card in the amount of {$1500.00}. On XX/XX/XXXX Capital One restricted my account and flagged it as fraud. We sent documents as requested, three times, and spoke to a rep multiple times. Our account is still restricted on this date of XX/XX/XXXX and they are again asking for the same bank statements I have already sent. We wanted to pay this card off before XXXX and have been treated horribly by this company as they continue to say it's fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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: Credit inquiries on your report that you don't recognize

Complaint:
Someone has gained access to my personal information.I noticed the fraudulent activity started a few weeks after I moved from one place to another. I recently checked my credit report and saw unfamiliar activity from three different companies. ( XXXX XXXX - XXXX  ), ( XXXX ) & ( XXXX XXXX ). 

ATTACHMENTS

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 2023-02-14
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My personal information shows up on the Dark Web from XXXX data breach. I have attempted to dispute on credit report several times. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX Account Number XXXX Name I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Date Opened XX/XX/2019 Responsibility Individual Account Account Type open Loan Type XXXX XXXX Balance {$290.00} Original Amount {$290.00} Original Creditor XXXX XXXX XXXX XXXX  Past Due {$290.00}

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 explanation