BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
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:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX is in violation of 7 federally protected consumer rights under 15 usc 1692 and 4 unauthorized uses of registered trademark

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 2020-01-07
Company: Experian Information Solutions Inc.
State: UT
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 XXXX # XXXX is reporting an account with a balance to my credit which is reporting inaccurately. This collection has been paid should not be reporting a balance to my credit report. I also never received notice about this collection which is in violation of my 30 day right to dispute.

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 2022-01-26
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX applied to refinance mortgage due to promotional {$1000.00} credit towards closing XXXX approved for new mortgage but {$1000.00} closing credit was not listed and were told the credit would be in the final paperwork XXXX & XXXX contacted loan originator and processor about lack of credit in final paperwork XXXX emailed loan originator about the matter XXXX rec 'd email from loan originator that verified the promo code for the {$1000.00} was on the initial loan application XXXX rec 'd email from processor asking the closer to look at our loan XXXX loan originator called with " great news '' that after a lot of back and forth with different people/departments that the " promo code for {$1000.00} was on the initial contact '' and that in " 7-14 days '' we " should receive a {$1000.00} check! '' XXXX called about check since it was not received XXXX spoke to XXXX who could not resolve or direct our call, but said she would email our loan originator to contact us. 
XXXX I am submitting this complaint to your bureau.

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 2022-01-26
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:
I have sent out multiple letters to TransUnion and XXXX regarding a bankruptcy that they have published on my credit report. I have provided both documentation from the court and a copy of my XXXX report that PROVES the reported bankruptcy should NOT be on my credit report. Both agencies continue to provide me with generic responses and neither agency has responded to my multiple method of investigation request.

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 2020-01-07
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked myu credit score and discovered this from a supposed 2018 incident. 
I have not received ANY bill or notification This was supposedly paid by a charity after I gave them {$35.00} for processing I don't know who these perple are. 

THIS IS FRAUD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Alliance Collection Agencies, Inc.
State: WI
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 discovered a medical debt in the amount of {$23000.00} reported by Alliance Collection Agency, located XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX being reported on XXXX credit reports. I disputed the debt as I had no knowledge of the account on XX/XX/XXXX. Additionally, I placed a phone call to Alliance and requested they validate the debt and provide me with original copies of the bills and providers. I did not ever receive any documentation from Alliance, and my future phone calls to them regarding this issue were sent to a voicemail box. I did not receive any calls back. 
In XXXX of XXXX, I placed a call again, and was able to speak with a supervisor. I inquired about the debt and requested again, proof of the debt and originals. I received a copy of a bill from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
The bill is not in my name, nor my address. The treatment records are for this person 's child, who is not my child. I immediately called Alliance again, to inquire about the errors and to ask for removal. They stated they had identified the problem and that someone would reach out to XXXX XXXX to for removal. They stated to call back in a few days to check the status. I did call back and was told that they had to confer with XXXX XXXX, I spoke with XXXX with XXXX XXXX billing who interrogated me regarding the debt even though the debt is in someone else 's name, ss #, a different city etc. This large collection account is causing me severe credit damage, furthermore the collection agency contends the debt belongs to me, even while none of my identifying information is within it. 

Alliance Collection Agency is also reporting two accounts on my credit files which were discharged in a Chapter XXXX bankruptcy in XXXX. They will not remove the accounts despite having proof of the bankruptcy and discharges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have two late payments on my American Express Credit Card account for the following dates : - XX/XX/2017 - XX/XX/2017 At the time of these late payments in 2017, I was in the process of deploying to XXXX in support of XXXX XXXX XXXX. As an XXXX XXXX Service Member, there are not always timely notices for combat deployments and/or Field Training Exercises. I say that not to justify why the payments were late, but instead to show that the late payments are not a true indicator of my actual creditworthiness. Since that time I have been an exceptional customer paying every month on time. The late payments have been unsuccessfully disputed with the three major credit bureaus. I have enclosed a copy of my XXXX XXXX with this letter for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
After multiple attempts to dispute an account that was previously removed by Equifax due fraudulent activity Equifax has continuously denied me my legal right under the Fair Credit Report Act section 605b and section 611 by not blocking the fraudulent account : XXXX XXXX. Not only have denied me my right as a victim of identity theft, they have not giving me any justification other that they have received electronic verification from the aforementioned lender, the FCRA states that I am entitled to full disclosure from the credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-22
Company: Albert Corporation
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX  {$14.00} XX/XX/XXXX  {$7.00} XX/XX/XXXX  {$44.00} XX/XX/XXXX  {$44.00} again XX/XX/XXXX  {$130.00} XX/XX/XXXX  {$30.00} XX/XX/XXXX  {$14.00} I signed up for Albert originally for a payday loan type service. Once paid back, the same week they started taking money from my account. It was small amounts at first, like $ XXXX- {$7.00}. I reached out to support to stop taking funds from my checking account. They explained that I turned on the feature, told me how to turn it off and I did. They did not inform me that the feature turns itself back on until a few months later. I have tried numerous times to cancel the service, I have canceled and got new debit cards. It will not let me delete my bank information. They will not let me close the account. I spent an hour on the chat, because they do not offer a phone number, and they charged me again {$14.00} the very next day. Its XXXX, I had to make an appointment for my real bank to close my account because Albert will not stop taking from the account. I told them to keep the money they keep taking and just close the account and not take anymore but they say they cant. They cant close the account until the charges stop pending, but as you can tell they keep taking the funds and the charges will never stop pending.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion has me reported for a bankruptcy. 

They are required to confirm it IS me and confirm my complete SS number ( not just some of my ss #. Many, Many others have my parts of my ss #. 

Transunion is REQUIRED to confirm it is me with my FULL SS #. 

I would also like to know who they claim is reporting this to them. I contacted the bankruptcy court and have been informed that the court does not report or provide information to credit bureaus or agencies. In my letter I have blocked some of the letter ( I.e clerk 's name, non important sentences ). 

I have been working on this for almost 18 months!!!

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 2021-11-29
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/ 2021 i was victim of the XXXX scam through Chase bank. 

I was looking for XXXX customer support to return an item and i found a number that i called and they pretended to be XXXX ( XXXX XXXX XXXX ). I asked to return an order ( value of {$320.00} ) and they told me that we needed to use XXXX through my bank, it did sound strange at first but since i don't call XXXX very often i thought it was a new way to do things. 

They asked me to download a screen sharing app called XXXX on my phone. I followed what they were telling me as i did not know that they were actually not XXXX. They also called me back from a different number XXXX XXXX XXXX. They guided me me through setting up a XXXX recipient and attempted sending {$1300.00}. The recipient they have set up is below : XXXX Refund Memo : Refund ID XXXX verify email : XXXX Amount : {$1300.00} XXXX asked why am i sending money to them if this is a refund and they mentioned that it is just a code and i will see later. They were having issues with the first payment so they tried a second one to a different email and amount ( {$490.00} ) details below. At that point the bank called me and managed to stop the second. They tried to call me for XXXX times while i was on the phone with the bank from the XXXX XXXX XXXX number but i never picked up. 

XXXX XXXX XXXX XXXX : {$490.00} The first one unfortunately went through for the {$1300.00} amount. 

I tried calling back the XXXX XXXX XXXX number to ask for the money back. I managed to talk to the same person but obviously they told me that i have hanged up the call so money is lost. My wife tried to call that number and she left a voice mail and the lady named XXXX XXXX called back. They were very nasty with us. 

Why Chase doesn't request verbal approval from the customers on all XXXX payments? Especially when they know about the XXXX scam and that i never made a XXXX payment in the last XXXX  months. I am really frustrated as i think Chase should have better protection for the customers and not just allow a scam to happen like this. If they see a XXXX payment made to " XXXX Refunds '' it should be a red flag and should be stopped to protect people from being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXXXXXX XXXX TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2023-12-08
Company: EQUIFAX, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 have a loan with ( XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( XXXX, XXXX  and XXXX ) and ( XXXX XXXX XXXX  XXXX XXXX ) with no successful resolution.There was definitely an error on their part. I was never 30 days late ( XX/XX/2017 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian XXXX XXXX XXXX XXXX is reporting an XXXX for my information when landlords enter my social security number and other personal information. 

My identity was stolen years ago and was used to rent property in a state that I have never lived in. I followed the correct procedure to handle this matter by filing a police report and I submitted my Identification and proof of address to Experian XXXX XXXX XXXX XXXX 

Experian XXXX XXXX XXXX XXXX refused to investigate the report even after I notified them of 605B Fair Credit Reporting Act stating they have 30 days to investigate and either remove or confirm the information. 

Experian XXXX XXXX XXXX XXXX has a website : XXXX XXXX XXXX where it says explicitly that they do " TENANT SCREENING '' reports for landlords and small businesses. If you click on " tenant screening '' it lists " public records '' and " eviction reports '' as part of this tenant screening. 

At first Experian XXXX XXXX XXXX XXXX first denied doing anything but credit reporting but after I showed them their own website they decided they could not lie any longer to me that they in fact do send reports out with eviction information they have in their database. 

Experian XXXX XXXX XXXX XXXX said they will not investigate any matters that are submitted to them, and their eviction reporting for my profile will continue to report even after I sent them the police report and corresponding documents. 

XXXX XXXX XXXX XXXX was able to investigate and remove their false information from my identity theft case. Experian XXXX XXXX XXXX XXXX refuses to investigate 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 2022-01-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Received an email about act XXXX from a debt collector saying they want XXXX Or they will garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased the lease buyout of my vehicle from Acura on XX/XX/XXXX and requested an expedited title release. Acura requested proof of funds transfer to expedite the title release ( delivery within 3-5 business days ). The proof of funds was emailed to Acura financial services on XX/XX/XXXX and the representative stated I would have the title within the week. 

Below are the follow-up times I have called Acura and requested a status and a call back from a supervisor and my requests have been ignored. 

XX/XX/XXXX ( requested title to be fedexed ) XX/XX/XXXX ( requested title to be fedexed and supervisor call back ) XX/XX/XXXX ( requested supervisor call back ) XX/XX/XXXX ( requested supervisor call back ) XX/XX/XXXX representatives confirmed the supervisor has not acted upon the case ( requested immediate supervisor call back ) Despite the repeated calls, no supervisor or title department has taken any action to process my title.

Company response to consumer: Closed with explanation