BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 2020-03-07
Company: DISCOVER BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
DISCOVER FAILED TO EXTEND CREDIT LINE INCREASE AND HAS BLOCK ME FROM CLOSING MY ACCOUNT ON LINE, REVERSE ALL FEES ETC.AND IS REPORTING AUTHORIZED USERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion is denying my rights under FCRA to file an online dispute, credit report and credit score. 

When I go online to their website to file a credit file dispute it denies me to file an online dispute. 

I am being disenfranchised as being refused my privilege to log into their website. 

All consumers expect me have the privilege to log into their website without any Red Tape.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I am requesting that this credit reporting agency validate the information and provide me with a detail process of which was used to draw that conclusion. I have read that you the agency as XXXX days to furnish this report and if not reported within XXXX days this inaccurate information be removed from my credit profile.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: MI
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 accordence with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct # XXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602a states I have the rights to privacy.

15 U.S.C.1681 Section 604a section 2 it also states A consumer reporting agency can't furnish a account without my written permission.

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 2018-11-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Have 6 transaction in one day, but only enough funds to cover 5 transaction, But chase charge me 3 overdraft fees ( which the agent told me was the max they can charge for the day ). They said they processed the largest transaction first, but the largest transaction will not cover the funds available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is denying my rights under FCRA to file an online dispute, credit score and report. 

When I go online to their website to file a credit file dispute it denies me to file an online dispute. 

I am being disenfranchised as being refused my privilege to log into their website. 

All consumers expect me have the privilege to log into their website without any Red Tape.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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 XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I am requesting that this credit reporting agency validate the information and provide me with a detail process of which was used to draw that conclusion. I have read that you the agency as 15 days to furnish this report and if not reported within 30 days this inaccurate information be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Experian Information Solutions Inc.
State: NJ
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:
There is an account on my Experian Credit that belongs to my father. I and my father have the same name and some of his accounts are reporting on my personal credit. I talked to Experian representative and also send a mail stating that this account is my fathers but they ignored it and did not send me a full investigation on this account. I need this account to be removed asap. Account : 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 2020-11-12
Company: EQUIFAX, INC.
State: GA
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:
These are not my accounts. Please remove them immediately. I am not a credit repair company nor am I a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: General Motors Financial Company, Inc.
State: GA
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 have NEVER been late on paying GM financial- in fact Ive been paid ahead with XXXX balance for well over a year. They refuse to correct it! I will NEVER buy another GM product- we buy XXXX now. This is ridiculous to damage my credit like this and Ive been paid up AHEAD for over a year??!! These people are jerks and ruthless- they need to be investigated by the government! They kee reporting x1-30 day  late payments from XX/XX/XXXX & XX/XX/XXXX. One for each year. Ridiculous- scam so they can finance you later at higher rates - always begging you to buy or trade in on a new truck. What a SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX {$590.00} & XXXX {$680.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2020-03-07
Company: TransferWise Ltd
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I use transferwise as my regular checking account I to which my employer pays my wages. My employer has so far made regular deposits into my account since XXXX and every time the bank holds the deposit as pending and I dont have access to my own cash for up to 4/5 days. 

When Ive called and messaged them via their XXXX chat option they revert to repeating that sometimes need to do checks to satisfy regulators. However, this has happened every single time and they cant explain why or how long these checks should take. Which leaves me waiting indefinitely to access my own cash. 

Its now in a situation where my rent is late and Ill will begin incurring fees associated with this. And they arent able to offer me a solution other than to continue no use waiting. 

Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: FC HoldCo LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been dealing with Flagship Credit Acceptance since XXXX of XXXX trying to get them to lower my payment or let me make arrangements due to XXXX and being out sick from XX/XX/XXXX through XX/XX/XXXX. They not only didn't respond to any of my requests but they closed my account in XXXX of XXXX, wrote it off and have been sending threatening letters and tow truck driver by my XXXX year old mothers house in Delaware. Threatening to force foreclosure on my mothers house. Sending people by my place of employment sitting out front taking pictures of my XXXX XXXX. They now want XXXX for the loan balance and not the back pay of XXXX. I contacted a bankruptcy lawyer yesterday XX/XX/XXXX because the XXXX is not even worth XXXX it has over XXXX miles and is falling apart, but because they closed my account and now report XXXX on my credit I can not even get a auto loan to get anything new.

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 2022-11-10
Company: Experian Information Solutions 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

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 2020-03-07
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Used Western Union to transfer money they sent me a email stating the money transfer is ready to then turn around and stop payment I then called them to discuss this action and multiple csr were uneducated about their practices I asked for. a manager miss XXXX and she told me very vaguely they stop due compliance my bank statements prove that the money is been taken out and not refunded and their confirmation email stating the transfer is ready for pick up Contradicting the whole process manipulated by them while holding my money and this may not be the only issue within the company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/XXXX. My first payment was due XX/XX/XXXX. The first payment was made to CalCon dba One Trust Home Loans on XX/XX/XXXX. 

XX/XX/XXXX I was notified that my loan was being transferred for servicing to XXXXXXXX XXXX payments were to be sent to XXXX on XX/XX/XXXX. 

XX/XX/XXXX a new transfer letter was sent stating that my loan was being transferred from CalCon ( acct XXXX XXXX to CalCon ( acct XXXX ). So on XX/XX/XXXX I made the XXXX payment to CalCon ( XXXX, as they they stated acct number XXXX would accept payments until XXXX ) On XX/XX/XXXX I received an additional transfer letter stating that the XX/XX/XXXX letter was sent in error and I should not send payments to the new account number ( XXXX XXXX, but should continue to make payments to acct XXXX. 
I then made my XXXX payment to XXXX on XX/XX/XXXX. 

XX/XX/XXXX, I received another transfer letter that the loan was going to XXXX. 

Throughout this process - XXXX was not notified they did not have my account and every time I called CalCon they said the account was theirs and not XXXX 's account. 

The issue is now XXXX actually does have my servicing of this loan but they are in belief they have had it since XXXX and they have now reported me as making a late payment and as of XX/XX/XXXX ( that is the date the payment was reported late ) my credit score has just dropped XXXX points as a result. 

The other issue of concern is that both XXXX and CalCon have been reporting to the credit bureaus the same loan and it looks as if I have over {$400000.00} in mortgages and I only have a {$200000.00} loan.

At first it would have affected my ability to refinance as it looked as though I had 2 mortgages ... now it is seriously hurting me because I am being reported as late and I have made all of my mortgages on time. 

I sent emails to both companies and the only response that I receive from CalCon is an automated " we have transferred you loan to XXXX effective XX/XX/XXXX and if you have any issues, you need to contact XXXX ''. I have received this automated email at least 3 times and no one is addressing their mistake and the financial harm that they have caused.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have file XXXX  XXXX back in XXXX. The lender is not part of the XXXX  XXXX. I am current with my mortgage payments from the first day. I have never missed any payments or late on it. It just that after I file XXXX  XXXX ( credit cards issues ). The mortgage lender stop reporting to the credit bureaus. I am trying to fix my credit score, as a good client, I want to show that on my credit reports, so later on if I ever want to buy a new house it helps. I talked to the representatives regarding this, they denied, they would not do it because of XXXX  XXXX even though they are not part of it. Anyways, I want to know if it true or not. They can look at my payment history and see.

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 2022-02-10
Company: EQUIFAX, 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:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under XXXX by the XXXX  of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation