BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I sent a letter via certified mail to TransUnion requesting method of verification for the XXXX bankruptcies # XXXX, # XXXX, # XXXX & XXXX reporting on my credit report. On XX/XX/XXXX TransUnion sent an auto generated response which did not address my request. In my request sent XX/XX/XXXX, I specifically requested they did not reply with the typical response and requested the exact method that was used to verify the bankruptcies. 
On XX/XX/XXXX I responded to the auto generated response with the enclosed letter and again requested the method of verification for all XXXX bankruptcies. On XX/XX/XXXX I received the investigation results which deleted # XXXX and only updated ( not verified ) # XXXX. I have received no response regarding # 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 2023-03-14
Company: U.S. BANCORP
State: NC
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 spoken to Elan Financial Svcs on numerous occasions about not turning in correct information to the credit reporting companies. I have paid Elan Financial Svcs off and have a credit of about {$30.00}. They keep reporting that I have a balance of XXXX as of today XX/XX/23. My balance was paid 2 weeks ago. They reported to XXXX that my balance is only {$85.00}. I don't have 2 accounts with them, I only have 1, so they are attempting to keep my credit score at a minimum score by reporting one amount to 1 agency and another amount to the other company. Fraudulent reporting.

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 2023-04-11
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The credit bureaus have been playin scare tacted games to the point they lie and dont even want to dispute or remove inaccurate accounts that seem to misleading all creditors when i try to apply for credit i get denied because of the mislreading and inaccurate the credit bureause report. I have sent letters and even faxed asking and showing proof of how they are violating my consumer rights. Then they will respond to the CFPB like they are following the laws and consumer rights. I have several upload and document to show and prodd what they send me when i request for accounts to be removed or verified correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-03-14
Company: SYNCHRONY FINANCIAL
State: TX
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:
Multiple payments processed, cleared, and verified by both sending and receiving financial institutions but PAYPAL MASTERCARD VIA SYNCHRONY BANK is penalizing me by holding the payments for a predefined length of time solely based on being a new customer. This is regardless of the fact that they have received and fully verified the funds, yet paypal supervisor XXXX refused to lift the hold because their policies allow them to hold my payment. 

Currently I have a credit limit of $ XXXX, with a balance of {$290.00} after my {$700.00} payment on XXXX and {$150.00} on XXXX, but paypal is refusing to clear my available spending limit beyond {$7.00} despite my payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Chase Bank has been harassing me with nearly 50 credit card offers per year. I was lured into an application for a business card and they have been torturing me ever since, with a series of unending requests. They have now damaged my credit score from XXXX to XXXX.

I applied online but then a phone call was required for additional documentation. They told me to go to the bank with the document ( EIN letter ) and said nothing else was needed. Then they have been calling and harassing me for further unspecified document. They wont tell me what it is. I think its a physical business address needed, which I already took to the bank. The agent in the XXXX used profanity and hung up. I was so upset that I was cursing to myself long after she used profanity and hung up on me.

Ive spent 2-3 hours calling and a 90min trip to the bank. These people are frauds and incompetent degenerates who should not harass customers as such. They know once you apply you are stuck and face denial and further credit damage if you dont accept their torture and provide the unending documents. THE CFPB and FTC just impotently watches and allows this blackmail to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
How many dispute letters and CFPB Complaints do I have to submit to the Credit Bureaus in order for them to remove the disputed fraudulent accounts and information completely from my Credit File? I previously sent dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus remove the disputed fraudulent information that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and remove any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 5 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please remove the following accounts from my Credit report in accordance with the Fair Credit Reporting act section 605b : 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 XXXXXX/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 2019-03-29
Company: EQUIFAX, INC.
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: Information is missing that should be on the report

Complaint:
For the past few months, i ve tried to get Equifax to report my credit line which would then raise my credit score and always its the same response. The CSR would then asked to verfiy my id, so i mail in the request and alongside by faxing it twice from my Credit Union as well. The CSR always claim to never recieved such or to resend my verification id, yet some CSR do find the paperwork in their system already. Furthermore, i ve tried to debate that my credit card company XXXX XXXX does send a monthly report to all credit agencies and its on their side thats not processing the information given. However, in recent XXXX and XXXX is now reporting all on time payment as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XXXX of 2016 constant calls emails monday thru sunday up to XXXX XXXX at nights ..calling my bank to get info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Applied for and was granted a XXXX XXXX XXXX XXXX in XXXX from XXXX. Initial credit limit was for {$15000.00}. Later in XXXX, I received a letter that my credit limit was decreased from {$15000.00} to {$9600.00}. In XXXX I applied for and was granted another XXXX with a credit limit of {$1000.00}. Two weeks ago, I purchased plane tickets for a holiday trip with no issues. My wife went to use her card and it was declined. When I called XXXX, I was advised that my account was closed and that I would be receiving the reasons in the mail. I was then re-directed to the credit department and was given a huge run around. All they kept saying was you will get a letter. When I told them that I had multiple cards, I was told " Don't worry we will be evaluating that card also. '' I felt belittled and talked down to the whole time, when I told them that I have never missed a payment and always paid the card to zero after use, I was told that that did not matter. I believe that this action was taken because I am of hispanic origin.

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 2021-02-11
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
There is a fraud account from XXXX XXXX XXXX opened XX/XX/XXXX on my credit report. I have tried to fix with company contacting them several times speaking to XXXX I even asked the company to validate with an instrument bearing my signature that I signed anything with this company. I even hired a company to dispute this fraudulent account to no avail. I recently learned about the FTC and filed two ID theft reports XX/XX/XXXX and XX/XX/XXXX and went to two different police jurisdictions to file an identity theft report. I have submitted the Identity block request, FTC ID theft report, Two Police reports to validate the theft as well as Fair Credit Act pursuant to my situation to a person named XXXX with no help stating to me they are closing the complaint as NO FRAUD The account number I do not have but the amount is estimated around {$1300.00}. 
Same with SANTANDER CONSUMER USA there is a AUTO LOAN for approx {$38000.00} that was opened XX/XX/XXXX Have disputed with company as well as credit bureaus and sent FTC report and police reports This has been nothing but a nightmare this is identity theft I have disputed with credit bureaus as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX 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 2021-05-02
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX has been inaccurately reporting me as 30 days late for the month of XXXX. A XXXX XXXX representative has also stated that they would submit the code to have my account reported as affected by a FEMA declared disaster for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but they have not done this either. I have tried resolving this with them multiple times and I have gone through the XXXX  and the credit bureaus. I have already submitted a complaint here through the CFPB but new information has surfaced. I received a response from them that admits I paid on time for XXXX, see attached, however they are still reporting me as 30 days late for XXXX and they have repeatedly refused to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
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: Account information incorrect

Complaint:
Original creditor sold the debt and its now reporting wrong balance on my credit report i will like to have this verified and if not deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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:
I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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 

I have attached a copy of my ID for identity verification and a bill for address verification.

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 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Recently, I ordered my credit reports and realized that my student loan payments are not reporting correctly. I disputed with the credit bureaus and you all validated the error that is currently on my credit report. Besides the inconsistency on all 3 credit reports, the payment history is all wrong. ( I've attached an example of only ONE out of many accounts ). 

If you'd take a look in XX/XX/2017, you will notice that I made a qualifying payment/deferment. The next month, XX/XX/2017, it states I am 90 days late. How is that possible? This is just one mistake out of many. I would like for all of my student loans that show this same mistake to be corrected and if you can't correct it, I would like this deleted off my credit as this error is hurting my credit, terribly.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2020-11-05
Company: JPMORGAN CHASE & CO.
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:
We purchased flights and hotel to XXXX, XXXX ( XX/XX/XXXX-XX/XX/XXXX ) on XX/XX/XXXX for {$2900.00} and used my Chase Debit Card. I requested a refund because i removed an excursion and it was for the amount of {$340.00} which i did get back on XX/XX/XXXX. In XXXX the site, XXXX closed down and never returned my purchase of {$2500.00}. I filed a claim through Chase on XX/XX/XXXX. I got the funds returned until they finished investigating and on XX/XX/XXXX they denied my claim and removed the amount from my account. They said that the transaction was correct and that I have to go through the Agency ( XXXX ). First my claim amount was incorrect which I have explained to them. The amount for the claim was supposed to be {$2500.00}. When calling back to file another claim with the correct amount they said it would be denied for the same issue. I also called back XX/XX/XXXX to see what my charge back code was processed under and they would not give me that information. It should have been under XXXX - services not rendered. The issue is that I can not go through the agency because they have been closed for months and im not sure how to get this money back. They canceled without returning my money back. On XX/XX/XXXX i was activated with the military under state activation and on XX/XX/XXXX I had received an email from XXXX saying all services were being canceled and to go through our banks. I explained this to Chase on XX/XX/XXXX and they said that the military is not an excuse to not have disputed before the 120 days. I also have filed a police report on XX/XX/XXXX. XXXX canceled my services XXXX XXXX with no refund. They canceled my flight through United airlines and my hotel ( which was never paid out ). Chase/Visa was supposed to give me only 3 days to file a claim during my emergency activation? Overall, services were not rendered and my claim should have been processed as that. Please review this case.

Company response to consumer: Closed with monetary relief