BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-13
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 a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, I sent Experian Credit Bureau a handwritten letter to dispute two bankruptcies shown on my credit Case # XXXX and Case # XXXX. I sent this letter certified ( USPS Tracking # XXXX XXXX which it was received on XX/XX/XXXX. In this letter I requested Experian to submit verifiable proof since these are unverified bankruptcies. Experian sent me a response datedXX/XX/XXXX ( copy is attached ). Per their investigation, " the company they used to verify this information confirmed this information is accurate. '' On XX/XX/XXXX, I mailed Experian another letter ( copy is attached ), stating they did not provide me with a copy of any viable evidence. Experian sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, " the company they used to verify this information confirmed this information is accurate. '' Experian has failed to provide me with the name of the company they verified this information with and the information I have requested so I can properly dispute this with the reporting company. I have verified and received correspondence from both bankruptcy courts, that they do not verify information with the credit bureaus. I do n't know who they verified this information with. This is a violation of the Fair Credit Reporting Act.

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 2021-07-15
Company: BSI Financial Holdings, Inc.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
THIS COMPLAINT IS AGAINST BSI FINANCIAL My loan was transferred form Round point Mortgage to BSI Financial on XX/XX/2021. When the loan transferred it had already been modified. I signed the modification documents in XXXX and it was the partial claim was recorded on XX/XX/2021. All the payments I have been making are not going to the correct months and it is still showing I am past due for 280 days. I have made several attempts to resolve this with BSI and they will never put my single point of contact on the phone. I call at least three times a week and never get a response. Customer serive always tells me that the modification is pending and my point of contact is not available. At first BSI claimed they were missing the recorded document, so I sent it to them. Now they are saying the FHA is not approving the loan and I only know that information from customer service. My loan has been with the going on 6 months and I can not refinance or take advantage of the lower rates on the market because they are reporting that I am not current on my payments. It is impossible to communicate with the people in this company and receive answers. I have called and emailed all supervisors with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This letter is intended to address some issues with your organization 's credit summary. I reviewed them during the time I had and will go into more detail below. 

To understand what rights I have, I researched the Fair Credit Reporting Act ( FCRA ). I learned that the law mandates that all information be accurate. 


Please check my credit report and correct any errors in light of this. The FCRA states that I have the right to request a check and a fix if necessary. This is a matter of trust between you and your customers as well as a legal requirement.

Remember that it's forbidden to provide false information on credit reports. Credit reporting companies are required by law ( Section 1681e ( b ) of the Fair Credit Reporting Act ) to ensure that the individual 's information is as accurate as possible. 

Last but not least, a prompt response to this matter would be appreciated. When a customer 's financial reliability is on the line, it is critical that your business abide by the FCRA. False information on a credit report should never be used as it may result in issues. I'm hoping you can fix this, thanks.

My trust in your company 's work will be restored if you respond right away, demonstrating that you respect customer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion XXXX & XXXX violated my rights as a consumer in XXXX XXXX XXXX and refuses to exclude all information solely as to transactions or experiences between the consumer and the person making the report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had the Citi Diamond Preferred Card for a while now. Citi invited me to convert the Citi Diamond Preferred card into the Citi Rewards+ in  XX/XX/XXXX. I accepted the invitation and it took some time for the process to be completed. Meanwhile, I received an offer ( that's the false advertising offer I am complaining about ) that I can use my Citi Diamond Preferred Card to get cash back of 5 % ( up to {$25.00} ) until end of XX/XX/XXXX. So I activated this offer on XX/XX/XXXX ( Please refer to screenshot ). In the meantime, I received my new Citi Rewards+ card in the mail but didn't activate it as of this moment. 

When I called Citi to inquire whether the cash back offer is still available or not, they told me it's no longer valid since I've already converted my Citi Diamond card into the Citi Rewards+. So Why are they sending me an offer for the citi diamond card on XX/XX/XXXX to activate the cash back process while at the same time they are converting my card into a citi rewards+? There was clearly an overlap in that. I received the conversion offer to citi rewards+ in XXXX and while the conversion process was taking place, I received the offer on my citi diamond preferred card to earn 5 % cash back online. This is a clean false advertising and a scam that is pulled by Citi and they are no stranger to scam whether it's in the past or the present. 

When I tried to talk to supervisor, he/she didn't bother to talk to me and transferred a message through the customer service representative. It was obviously the same thing the representative informed me about ( That the offer has expired with the conversion of your card from citi diamond preferred to citi rewards+ ). How come it expired and you are giving me until end of XX/XX/XXXX to use 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 monetary relief
Consumer complaint received 2019-12-13
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check for  $XXXX  #XXXX into my grand daughters (XXXX  XXXX) checking account. In order to make the deposit I went into the chase branch on XXXX  XXXX  in XXXX  Louisiana used the side of the counter to write my check and handed it directly to the Chase teller. There we no people around that could have seen my check. The check was accepted and the money was credited to her account..This was a friday afternoon. On XX/XX/XXXX a check cleared my account for the sum of  $XXXX cleared my account which was with XXXX   XXXX. This check which you will note was apparently washed and numbered #XXXX  the last two numbers transposed.Then on that same date a third check for the amount of $XXXX numbered.#XXXX  was also presented to clear my account.but was flagged as fraud by XXXX XXXX  an I was contacted.. This third check was numbered #XXXX   sequential to the first check which cleared.and appears to be a copy of the initial check washed except for my signature. A third fraudulent check in the amount of $ XXXX  .was presented again to XXXX  XXXX  and was identified as fraud. The first two checks that cleared were put into my grand daughters account with Chase. Unknown to me at the time she noticed that there was money in her account that was not hers and attempted to contact Chase. She was unable to get any explanation from Chase and wisely withdrew all of her money leaving  $XXXX  in her account. XXXX  is a college student and did not have any access to my check as she is away at college,. My initial check was only in the hands of first a teller then chase them selves. I am told that the original of the check usually stays a the branch where it was deposited. It is very apparent that check fraud occurred within Chase bank as no one else could have had that first check to wash it. Our only explanation is that the intent was to back the money out of XXXX  account and steal the amounts.. XXXX   and my self were able to get a chase representative on the phone to explain what had happened. The Chase representative during that conversation agreed that this check fraud must have happened within Chase Bank.  Due to this check fraud which appears to have been done within Chase both XXXX and my self have had to close our accounts. In doing so items that were usually automatically drafted from my account have been rejected due to me having to close my account which has been the same for over 20 years. This has required much time to correct. Also both my and XXXX  identity have also been compromised as the only thing missing to completely steal our identities are our social security numbers. This exposure was totally caused by fraud which happened within Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/2021

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 2022-10-20
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2020 i was suppose to recieve my EDD Bank of America debit card turns out that my mail was tampered someone activated and made transactions on my debit card I reported it ever since Ive been getting the run around funds are being deposited into my account but Im unable to activate my card, they sent me a new card and been calling Bank of America almost everyday since all this started they tell me to call them in 72 hours or other excuses Ive been waiting to access my funds for long time now I wasnt able to buy XXXX presents due to the fact that I cant activate my card.

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 2023-09-30
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XXXX of 2023 I requested an increase on my Discover credit card. Title 15 subsection 1611, False and misleading denial of my own credit. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: IL
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 reviewed my credit report, I discovered that some of the information are erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: NCB Management Services 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:
I've disputed alot of different errors on my credit reports including company XXXX XXXX which is still reporting late payments and I haven't been late. Also XXXX XXXX XXXX  is still reporting wrong info to the credit bureaus and haven't provided me with any proof of their verification process on verifying the alleged debt and failed to remove items from my credit report. The investigation results remain the XXXX same and I'm tired of this, I'm tired of these creditors and credit bureaus not complying with the law. Also NCB has been reporting late payments on my XXXX report and that's illegal especially if I never made any type of agreement with them, I have proof. Another thing I wanted to bring up is that the company XXXX is reporting an account on my credit reports that they no longer own, and this account needs to be removed. I've attached my credit reports and dispute letters to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: AL
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 : 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, 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 2019-12-13
Company: Experian Information Solutions Inc.
State: LA
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:
I have a XXXX and XXXX with XXXX  and XXXX XXXX but a XXXX with experian. There was one collection account on their report that was paid off and has been removed through dispute. I called them and spoke to two people but nobody could tell me why my score is 70+ points lower than the other two companies. Doesnt make sense with all 3 having the same data.

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 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I am filing this complaint against this company because they have been violating me as a consumer and original creditor. I have been sending this company mail with a cease and desist letter which means that they shall not communicate with me about a debt directly or indirectly and they are still reporting my information to reporting agencies. I have sent them the violations of them and they have never responded to me or have they given me my specified remedy but they always respond to the reporting agencies when I ask the reporting agencies for an investigation. I am filing this report and I am also going to the Federal Trade Commission to file a complaint as well. I am very frustrated the way they have purposely ignored my demands and are affecting my ability to obtain household goods. This is a new complaint and they may try to mark it as a duplicate and it is not. 

THIS iS NOT A DUPLICATE!!!!

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