BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-09
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 status incorrect

Complaint:
XXXX of XXXXXXXX XXXX XXXX XXXX ( XXXX  ) mortgage went into COVID Forbearance XXXX of XXXX applied for a refinance with XXXX  since the rates were low. 

XXXX of XXXX denied my refinance application because the loan was in forbearance despite the fact that the loan was in forbearance when I started the refinance process. So I resumed paying my monthly mortgage payments and have been making monthly payments consistently since XXXX of 2021. 

XXXX of XXXX reported my loan as delinquent/overdue by 120+ days to XXXX  and Experian despite the fact that I have never, ever paid my mortgage late. 

XXXX of XXXX-I contacted XXXX to ask them to remove this inaccurate information from my Experian and XXXX  credit reports. 

XX/XX/XXXX, XXXX-the information is still listed as delinquent/overdue on both XXXX  and Experian credit reports.

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 2017-12-10
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX, XXXX I was sued by XXXX XXXX XXXX for the amount of XXXX from a company called XXXX. The bank holder for that company is " The XXXX XXXX XXXX XXXX XXXX ''. For a debt that I did not owe and never owned. I proved in court that I was a victim of identity theft. The account was opened in XXXX XXXX, XXXX and I filed a police report on XXXX XXXX, XXXX. The case was dismissed on XXXX XXXX, XXXX. Well XXXX XXXX XXXX never took this debt off my credit report. Instead they sold it months later to a company called Resurgent Capital Services. And Resurgent Capital Services has repeatedly called my home and threatened me with lawsuits, judgements and said that they will continue to contact me, and keep this bill in collections until paid. Resurgent Capital Services also stated that the information that I sent them was not sufficient enough. I have sent them court dismissal documents from the last time XXXX XXXX XXXX took me to court, police reports stating that I was a victim of forgery and counterfeiting ring in XXXX, Texas. I even listed some of the items that was stolen out of my home but Resurgent Capital Services says the documents that I sent is still not enough. I have been dealing with these two debt collectors coming up on 2 years they have kept this debt that they claim that I owe in collections for almost 2 years. And have ruined my credit, I have tried in so many ways to resolve this and I 'm frustrated please help me if you can with this situation. I have listed the companies involved in this complaint please get back in touch with me. 

XXXX XXXX, XXXX. Resurgent Capital Services L.P . 
XXXX XXXX, XXXX. Attention : Correspondence Dept. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CO. XXXX XXXX, SC. XXXX Thanks in Advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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: Personal information incorrect

Complaint:
I just got a new credit report discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I dont reside at and may possibly be a old job or promos. Please delete the following addresses : XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2023-06-25
Company: JPMORGAN CHASE & CO.
State: MI
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 {$100.00} gas gift card was purchased at an XXXX XXXX Gas Station on XX/XX/. The clerk at the time said the first transaction " did not go through '', so she rang it up again. We are unsure whether it was the same or a different gift card that was scanned the second time, as it was not visible to us. Regardless, a singular gift card with a {$100.00} balance and a single receipt detailing such was received by us and later given as a birthday gift. 

Upon receiving the credit card statement from the card used to purchase said gift card ( a Chase bank credit card ), the {$100.00} charge appeared twice, once for each " transaction '', though, as mentioned above, only one gift card was scanned and received with a balance of {$100.00}. The balance was also reconfirmed with the gift card recipient. After multiple attempts to contact Chase via telephone, a dispute was finally created for a double charge ( Code 392 Duplicate Sales ) and we were updated via letter that the dispute was being investigated as ofXX/XX/XXXX The dispute was denied on XX/XX/. The evidence provided was an email sent from XXXX XXXX Card Services to the retailer issuing a chargeback. On the provided email, the dispute reason is circled, and " Yes '' is handwritten, though it is unknown by whom. Two separate receipts were also given, each with a {$100.00} " XXXX XXXX '' transaction. The receipts were identical besides having different transaction numbers ( XXXX and XXXX ) and being 38 seconds apart. 

This evidence provided suggests either that : 1. The retailer agreed that the chargeback was valid, as portrayed by the hand-circled " Yes '' in the email copy, and Chase still refused to issue the chargeback. If this is the case, Chase needs to provide more evidence of the denial reason. 
OR 2. The retailer disputed the chargeback to XXXX XXXX Card Services, who then disputed it to Chase, and provided only the 2 receipts as " sufficient '' evidence. If this is the case, given that the item purchased was a gift card, it seems reasonable that Card Sevices should be able to identify that either the same unique gift card was scanned twice or two separate gift cards were scanned. Should the latter be the case, the denied dispute would make sense, and a police report would be necessary for theft ( regardless of whether it was the fault of the sales system or the clerk ) given that only one gift card was received.

However, we have no way of knowing given the extent of the evidence provided, as regardless of what occurred, the evidence is wholly insufficient as it was provided, and no further explanation was given. 

Chase has provided no way to appeal the decision or request further evidence besides their normal helpline for questions which has proven unhelpful as representatives are rarely available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-18
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a lost card and closed the account.  The banks always tell you that you need to update information for auto pay accounts.  I had had a problem with a XXXX account I couldn't close so I thought that this would go away, but it turns out the B of A transfers the payment to the new card without the knowledge of the consumer.  This means that you can't stop charges even if you get a new card.  I don't believe it should be legal for the bank to give out your new card number without giving you the option to say no.

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 2019-03-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have contacted Experian Multiple times by mail and found asking them to lift my fraud alert of my accounts I was in the process of rebuilding my credit and I was just playing it safe as of now they will not remove anything from my account which is preventing me to get any type of services phone service says loans credit cards in my name Im a XXXX person Im doing my best they give me the runaround..Im totally frustrated I feel that they are taking a vantage of me like I said Im a XXXX person I dont remember everything Ive sent them documents IDs so security numbers all of that and they still will not remove the fraud alert on my account which actually prevented me today of getting XXXX XXXX XXXX cell phone service since they took my money but then canceled the service because they couldnt identify who I was

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 2020-07-21
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I recently received a notice from Citibank that my credit card limit was being decreased from {$11000.00} to $ XXXX 've been a member since 2015, always paid on time so I am confused.They sent me a balance transfer offer with a 0 % interest rate, and I transferred {$5000.00} to a credit card that I owed and I paid back the {$5000.00} within 2 months.They thought I was creditworthy of the transfer.I pulled my credit report and nothing new showed up. I have never been late on any payment.I called Citibank to try to find out why they reduced my credit line and they kept saying XXXX required us to do it. " I said they mandated you to reduce my available credit, you have no discretion in the matter, and the response was yes, it was due to change on your credit report, except there was no change on my credit report. I am tempted to close but I know that's not the right thing to do. But it concerns me that this can just be done with no recourse? Ive tried calling Citi Bank many times either I get the wrong information or no response at all. I tried to fix this issue with them and nothing, they do not care about their loyal customers.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 Account # 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.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2020-12-02
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX my account was sent into over overdraft ( XXXX  ) for a XXXX XXXX order through td bank. Even with a beginning balance of XXXX there shouldn't have been a charge becuase td says they dont charge for under XXXX dollars. This whole time there's XXXX in my savings account that I was told my multiple different customer service reps that I had overdraft protection and it would just pull from my savings. Then on the XXXX, they charged another with XXXX in our checking. How is that allowed. We called later that day and got them reversed and SPECIFICALLY brought up the OD protection, only to be told it wasn't on our account and we have the option to enroll. So we said yes. Only to have XXXX more dollars taken out in over draft the XXXX. When that XXXX dollars was taken out, there was around XXXX dollars in the account and no charges. So we called again, only to be told we dont have overdraft protection, and then we had to speak to a supervisor becuase the rep we spoke to kept telling us the same thing we've just been told 3 days ago. The supervisor then goes on to get in a screaming match with us and refuses to listen to what we had to say, regardless if they were what her employees told us or not.XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/2019 {$630.00}, XXXX XXXX {$300.00}, XXXX XXXX {$3700.00}, XXXX XXXX {$2100.00}, XXXX XXXX {$6900.00}. I Disputed this accounts and No resolution to this fraud.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX, TRANSUNION and XXXX the credit companies are not complying with their own policies in a timely manner.

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 2018-03-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, contacted XXXX to transfer TV and Internet service from XXXX XXXX, XXXX  to XXXX, XXXX pursuant to a move. The XXXX XXXX provided me with a confirmation number ( XXXX ) for cancellation of the XXXX XXXX  account and confirmation number ( XXXX ) for new service in XXXX, XXXX. 

It seems the XXXX XXXX account was not closed and so I had 2 XXXX accounts then, XXXX reported a delinquency to the credit reporting bureaus. In the interest of preserving my credit, I paid the amount billed ; however, XXXX continues to report " XXXX  '' for months of XX/XX/XXXX and XX/XX/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