BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After reviewing my Transunion report I found that they were reflecting my credit card usage incorrectly. My credit card account had been extended from XXXX to XXXX. It had been that way for a couple months. So I called the card issuer and was informed that Transunion had been notified the same week the credit increase was issued. I then contacted Transunion via XXXX XXXX dispute. I asked that they correct the credit limit reflected on my report so that it would raise my score. 
Instead Transunion Deleted the only credit card I have from the report there by lowering my score .... 
I have tried to call them several time yesterday the 3rd and after 8 attempts I still could not get someone on a line that was not cutting in and out making the call in audible and ending in a disconnection from their end. 

We have so little control over these three companies and all our financial futures lie in there hands. The three should have higher consequences for situations such as this where they are holding up my prosperity ... ...

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 2022-02-08
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: LOBEL FINANCIAL CORPORATION
State: NY
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:
I purchased a car XXXX XXXX XXXX XXXX in XXXX ny with a lease term of 20 months when the payment book arrived It was for 24 months this was not a problem I completed a full 24 months of payments there was no notification of a balance or anything about 6 months after I completed the loan I went to trade in the vehicle I was notified by the dealership that there was a balance of XXXX which is crazy because My car payments were XXXX per month The dealer explained that he would assume the balance owed and I guess that on my credit report it goes on as a charge off. On my credit report it shows that there was a XXXX balance which has gone up from the XXXX dollars that I never owed in the first place I recieved the care in XX/XX/XXXXI traded the car in, in XXXX of XX/XX/XXXXso there is no way that I ever owed a balance let alone was able to keep this car 3 years after the term.. My credit report shows that I made 70 % of payments which is completely false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: TX
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 was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 2022-02-08
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, I formally requested cancellation of my PMI based on the appreciated value of my home. I requested the cancellation through my mortgage servicer ( Truist, formerly SunTrust ). I requested this through the chat feature on their website, and phoned the customer service line, speaking with a representative to make sure that I was taking the proper steps to get started on that process. I was told that someone would follow up with me in 30 days. Today is XX/XX/2022. This is over 30 days after the initial request, and still no follow up from Truist. I reached out to customer service again via the online chat feature. I went through the proper steps to chat with a representative about cancelling my mortgage insurance. I was placed on hold for approximately 1 hour before I finally received a response. The response was the same generic response I received 35 days prior. It read something like, " We have received your request to cancel PMI, we will get back to you within 30 days. '' The representative immediately closed the chat without even a chance for a follow up from me. I called the customer service line to be connected with a representative over the phone. The automated message service told me I would be placed on hold before the line went completely blank. No hold music, no connection with a representative. Just slight static.

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2017-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX for the satisfaction of a mortgage at XXXX and a satisfaction of a Heloc loan and for an unspecified transaction, XXXX checks were shown by XXXX from XXXX XXXX ( Bank of America ) to have satisfied XXXX transactions. The Heloc loan,XXXX, was taken out by XXXX XXXX and XXXX XXXX and could only have been satisfied from an account attached to their names.Bank of America account number XXXX XXXX XXXX was not found to be attached to either of their social security numbers. United States Trust, BOA, refused to speak with me in their NY address to locate the account. All three checks were issued on the account number. I do not know how the checks were funded. No brokerage account has been identified for the funding.Merrill Lynch has not found an account and has referred me back to BOA. I include the XXXX information about the Heloc being satisfied. If these checks are genuine, I will need the full account information about what account and whose account provided the funding. XXXX XXXX did identify a XXXX XXXX XXXX in their profile. For the year indicated, I was the designated trustee of the XXXX XXXX XXXXI provided the Ein number but there was not an account attached to it.

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 2018-01-03
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: Account information incorrect

Complaint:
So Ive recently checked my credit report on XX/XX/XXXX,  and I had noticed that the number of inquires on report are through the roof. I had been in disbelief, and I had good reason to be 13 credit inquires were reported on my report that I had recollection of no did I approve of the hard pull on my credit. So I sent an email to all three credit bureaus, XXXX, XXXX and Equifax explain that I would like to discuss why these inquiries are on my report if I did not have any knowledge of them. All three Credit bureaus declined my requests when I called in XX/XX/XXXX, the three names I had gotten from the associates were XXXX for XXXX., XXXX for XXXX, XXXX for Equifax they had argued with me and kept blaming me for the mistake on the report when I wanted some help to understand the situation. The customer service was terrible for all three companies, they made me feel guilty for calling, I would like your help to please help me get the customer service not only I that deserve but what others deserve too. The list of inquires are listed below : XXXX/XXXX/Equifax : 1. ) XXXX XXXX XXXX Date : XX/XX/XXXX 2. ) XXXX Date : XX/XX/XXXX 3. ) XXXX XXXX XXXX Date : XX/XX/XXXX 4. ) XXXX Date : XX/XX/XXXX 5. ) XXXX XXXX XXXX Date : XX/XX/XXXX 6. ) XXXX XXXX Date : XX/XX/XXXX 7. ) XXXX Date : XX/XX/XXXX 8. ) XXXX Date : XX/XX/XXXX 9. ). XXXX Date : XX/XX/XXXX 10. ) XXXX XXXX XXXX Date :XX/XX/XXXX 11. ) XXXX XXXX XXXX Date :XX/XX/XXXX 12. ) XXXX XXXX XXXX Date :XX/XX/XXXX 13. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX These are the 13 inquiries I desperately need off my report I didnt authorize these credit pulls. I do not remember them and its cause me emency about of stress and pain this is cause me emotionally and this is me asking for help desk, please have these removed. 

Sincerly, XXXX XXXX XXXX XXXX : XXXXXXXXXXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Southwest credit systems is reporting a balance of {$160.00} dollars on my credit report. I have never done any business with southwest credit systems and I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hi I've contacted The company XXXX  about a fraudgelant account theuy are continuing to report on my credit report. I don't know this company and have never done business with this company. I have also contacted and disputed this account 3 times with Trans Union and XXXX  and both companies have ignored my complaints & is continuing to report this fraud activity on my 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 explanation
Consumer complaint received 2022-02-08
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-02-02
Company: SYNCHRONY FINANCIAL
State: MS
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 disputed an amount of {$2400.00} to PayPal Credit on XXXX XX/XX/2022. Two days later I followed up through their live chat system, and they said that my dispute was resolved in my favor and I needed to do nothing further. 3 weeks later, the dispute was reversed and I am now obligated for the charges again. This is not fair to me as I was already told I was relieved from the charge, so I have made other purchases and financial obligations based on this 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 monetary relief
Consumer complaint received 2020-04-29
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:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$670.00} XXXX/XXXX   XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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
Consumer complaint received 2022-02-08
Company: CITIBANK, N.A.
State: NJ
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:
I had an issue related in the past, mailing in my payment to Citicards. This recent time, i mailed them a payment for my whole balance XX/XX/XXXX and when a week went by and it still wasn't applied to my account i tried to ask about via chat on their website, the representative was very unprofessional and didn't seem to want to take the time to research if my payment was indeed received. She just told me to cancel the check and send another one. I told her i didn't want to do that at such a late time. I tried to call and chat a few other times all not seeming to know how to help me or unwilling to. I finally was forced to pay again online the Friday, XX/XX/XXXX for the full payment i stopped payment of the check Monday, XX/XX/XXXX and of course after they " received '' the check. I had lodged a complaint on their fb page and entered a case where i was told i was going to get a response 2 days later. A week and half later they send me a canned letter response recounting that they received a check that was stopped payment on and if i want my payment to be received faster i need to pay for expedited shipping. I feel they had the payment and were not processing it as they are trying to push me to get paperless and autopay, they repeatedly send me emails telling me to get it and once switched my account to paperless without my permission. Their customer service is very bad and unhelpful.

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 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
So Ive recently checked my credit report on XX/XX/XXXX, and I had noticed that the number of inquires on report are through the roof. I had been in disbelief, and I had good reason to be XXXX credit inquires were reported on my report that I had recollection of no did I approve of the hard pull on my credit. So I sent an email to all three credit bureaus, Transunion, XXXX and XXXX explain that I would like to discuss why these inquiries are on my report if I did not have any knowledge of them. All three Credit bureaus declined my requests when I called in XX/XX/XXXX, the three names I had gotten from the associates were XXXX for Transunion., XXXX for XXXX, XXXX for XXXX they had argued with me and kept blaming me for the mistake on the report when I wanted some help to understand the situation. The customer service was terrible for all three companies, they made me feel guilty for calling, I would like your help to please help me get the customer service not only I that deserve but what others deserve too. The list of inquires are listed below : XXXX/Transunion/XXXX : 1. ) XXXX XXXX XXXX Date : XX/XX/XXXX 2. ) XXXX Date : XX/XX/XXXX 3. ) XXXX XXXX XXXX  Date : XX/XX/XXXX 4. ) XXXX Date : XX/XX/XXXX 5. ) XXXX XXXX XXXX Date : XX/XX/XXXX 6. ) XXXX XXXX Date : XX/XX/XXXX 7. ) XXXX Date : XX/XX/XXXX 8. ) XXXX Date : XX/XX/XXXX 9. ). XXXX Date : XX/XX/XXXX 10. ) XXXX XXXX XXXX Date : XX/XX/XXXX 11. ) XXXX XXXX XXXX Date : XX/XX/XXXX 12. ) XXXX XXXXr/ XXXX Date : XX/XX/XXXX 13. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX These are the XXXX inquiries I desperately need off my report I didnt authorize these credit pulls. I do not remember them and its cause me emency about of stress and pain this is cause me emotionally and this is me asking for help desk, please have these removed. 

Sincerly, XXXX XXXX XXXX XXXX : XXXX Phone : ( 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 2017-07-15
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
paypal is jamming cards onto your account just like XXXX XXXX jammed new accounts. Today its very difficult to get through a paypal payment transaction without misleading popups tricking you to take a CC card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received multiple emails from Wells Fargo stating that I opened and account with them but I did not. I called Wells Fargos fraud department and the froze the account as well as opened an investigation.

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 2018-01-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
OnXX/XX/XXXX I made a deposit in good faith at JP Morgan Chase, in the amount of {$25000.00}, in the form of a check. The ATM receipt indicated that the funds would be available on the XX/XX/XXXXThe holiday passed and the funds registered to my account on the XXXX, however, JP Morgan Chase, put a " hold '' on the money till the XX/XX/XXXX for a reason that no one cared to explain at Chase Bank. They keep referring me to " loss prevention, '' that office wo n't open for another few hours here. I find the hold unnecessary and biased, as I have made a deposit from the same account for {$50000.00} on XXXX. I have filed a formal complaint about the matter # XXXX, and I am using every recourse I am able to resolve this matter. I am fairly XXXX and suffer from XXXX XXXX, and it is greatly affecting my peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Experian Information Solutions Inc.
State: LA
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 called and sent in writing a fraud affidavit I explained to Experian I had been a victim of identity theft asked that they do n't extend credit without first contacting me personally The added the information yo my credit profile yet today I wake up to a new fraud account added to my report by XXXX XXXX ... no one contacted me in regards to this account. I am already trying to fight to have my identity back and Experian is adding more stress XXXX  something has to be done about these bureaus

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 2017-07-15
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:
I sent in a dispute letter stating that the following inquires were not made by me and should be removed from my credit report at once. Experian did nothing about it. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 explanation