BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE 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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-10-09
Company: LJ Ross Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LJ Ross has attempted to collect a debt even after receiving supporting documentation that the debt is not owed. 

The debt claimed was to XXXX XXXX, in the amount of {$100.00}. LJ Ross placed negative records with XXXX, XXXX, and XXXX. 

The reporting date was XX/XX/2019. 

I wish to pursue damages against LJ Ross and have the negative strikes removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please investigate these fraudulent inquiries as I did not authorize these credit inquiries from your company. You are reporting inconsistent, incomplete and inaccurate information on my credit report and I DEMAND these inquiries to be permanently DELETED from my credit report. Please provide signed documents with my signature or any other documents showing I supposedly applied for three accounts on XX/XX/2018 and XX/XX/2018 and XX/XX/2018? Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have on numerous occasions experienced a great deal of difficulty accessing funds deposited with this institution. The problem is not so much accessibility ( although they do make it difficult ) as it is privacy. For any transaction, except for deposits, they require ID, this is understandable however asking me why I am withdrawing my own funds or what I plan to do with my income tax refund is none of their business and was not done in the framework or tone of providing any additional service. It was a barrier. They have asked for 2 forms of ID at one point and also informed me that my drivers license was expired on another occasion. This has happened numerous times at this branch and happens to others as well. PNC Bank XXXX XXXX, XXXX, Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TODAY IS XX/XX/2020. THIS IS MY TENTH COMPLAINT TO CFPB. CFPB HAS NOT DONE ANYTHING AT ALL TO GET EQUIFAX GIVE ME A FREEZE AND PIN AT THE CORRECT ADDRESS AND CONFIRM ON PAPER. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I COMPLAIN TO CFPB THAT EQUIFAX VIOLATES FREEZE LAW. EQUIFAX DENIES ME SECURITY FREEZE. EQUIFAX LIES TO ATTORNEY GENERAL THAT I HAVE A FREEZE. EQUIFAX CONFIRMS I DO NOT HAVE A FREEZE. GET ME A FREEZE AND PIN NOW. 
RESPOND ON PAPER. 

NO CALLS, NO EMAIL, NO TEXT. 

EQUIFAX DISCRIMINATES AGAINST ANYONE WHO LACKS A CELL PHONE. 


GET BACK TO ME IN A SIGNED DATED LETTER I DISCARD ALL BOILER PLATE LETTERS UNREAD UNOPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was working with XXXX XXXXXXXX XXXX for a loan modification to lower my mortgage payments. The entire process had taken over 3 months to resolve. I had communication with them including their coroporate office. The first modification amount was more than I was paying by XXXX dollars they kept making excuses regarding my account speciaist assigned to my case. The second amout was XXXX more than what I was paying. Once they had completed the process before being acquired by XXXX XXXX I was paying XXXX when my original mortgage was XXXX or less. XXXX kept transferring me to another account specialist which started the process again. I was instructed not to make a payment during the process. The next modification amount was even higher than the first one. At this point XXXX  XXXX XXXX told me they sold my account to XXXX XXXX who worked with me and lowered my mortgage. During the three months of disputing with XXXX they reported my account as late to all three credit bureaus. XXXX XXXX has since been broughtout by Mr. XXXX. As to date XXXX has not removed the 90 day history from my credit accounts and now I am trying to buy a new home and the 60 days late payment is hindering my credit and I need to have it remove. XXXX is non-responsive when I try to call and will not provide me with any additional information. Since being acquired by XXXX XXXX they were not able to remove any deragtory marks from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/19 I mailed a letter requesting proof that an account from XXXX XXXX in the amount of {$3400.00} was in fact mine, as I did not have any knowledge of this account. 

I received the letter returned on XX/XX/19 as unable to forward, even though I used the address that was provided on my credit reports. 

On XX/XX/19, I sent the credit bureaus a letter with a copy of the returned envelope, requesting that they remove the item, as they were reporting inaccurate information, in violation of Section 609 of the FCRA. They refuse to do so.

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 2019-02-17
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: Investigation took more than 30 days

Complaint:
I received a notice from Experian stating that they refused to investigate or validate anything I contested on my file.

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 2020-06-23
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: Investigation took more than 30 days

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

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 2019-06-20
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: Personal information incorrect

Complaint:
On XX/XX/2019, there is a wrong address on my Equifax credit file. The address is : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. I have asked Equifax in the past to remove it. This address is still appearing on my credit file. This address belongs to a hotel of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: AMERICAN EXPRESS COMPANY
State: MN
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 been disputing a 30 day late payment that occurred on my American Express account in XX/XX/2018. American Express has refused to do an investigation into the matter so I escalated the issue to their corporate office and to the CEO 's office but nothing has been done. 

After reviewing my account with American Express multiple reasons why the late payment occurred : The minimum payment had increased around XXXX/XXXX 2018, but the auto pay did not make this adjustment. 
I submitted the payment on time, but it bounced back to the bank because American Express took down my incorrect bank account number to process the payment that bounced. 

XXXX XXXX acknowledged to me that the payment kept bouncing because American Express had the incorrect bank information to process the payment that kept bouncing. American Express representative made a mistake that caused my account to have a 30 day late payment. 


American Express is violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 3 ). American Express never added the required sentence on my credit report stating, " Customer has disputed the validity of this account '' within the required 30 days of the disputed item.

American Express is also violating my rights under the Fair Credit Reporting Act Section 623 ( a ) ( 2 ) ( B ). American Express is not allowed to report inaccurate or incomplete information. 

The month in question of the 30 day late payment I had over {$7000.00} in my bank account and could of easily made the minimum payment or paid off the whole account in that statement period. 

I qualify for this removal of the late payment because I have never missed a payment before the incident or after the incident and there was negligence on American Express. American Express is reporting inaccurate, incomplete, and not verifiable information to the Credit Bureaus ( XXXX, XXXX, XXXX, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX a company that I thought was a computer repair company hacked my computer. They withdrew all my money from my checking and savings. I have lost {$8000.00} which is everything I had because I was gullible and believed they were there to help me. The companies name was 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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

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

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 2019-06-20
Company: Westlake Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I never cancel my warranty for secure one vehicle protection with Westlake Financial and now the vehicle has a mechanic breakdown and it is not cover and also stated that it was canceled when I never canceled the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some oft he names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this.

XXXX/XXXX  XX/XX/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 XXXX XXXX XX/XX/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 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 2019-09-01
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
US Bank has refused to work with me to assume or pay off my husband 's existing mortgage since he defaulted and we are still in divorce court. US Bank has ruined my professional reputation by advertising that they are foreclosing on me, even though they have told me that I am not on their mortgage or note, and owe them nothing. 
They have discriminated against me because I am female, I have been advised. 
I am requesting information on real estate attorneys who can help with foreclosures and bank 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 2019-09-01
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have opened a new Citi Accelarate Savings account on XX/XX/XXXX with {$49000.00} which had an advertised interest rate of 2.36 % APY. On XX/XX/XXXX I received an interest payment of {$1.00} which does not match the interest rate advertised by Citi bank at 2.36 % APY. The statement is reflected as .02 % interest rate. I have filed a complaint with the bank and was advised that it has been fixed on XX/XX/XXXX and the applicable interest will be deposited into the account. On XX/XX/XXXX another interest payment of {$67.00} was deposited into the account with the balance of {$50000.00}. And the rate on the XX/XX/2019 statement is showing as 1.59 % even though when I call customer service I am being told that my interest rate is 2.36 APY. When I log in online the rate in being hidden and not reflected on the online banking. I feel like I am being lied to and taken advantage for misinterpretation by Citi bank. I have called again on XX/XX/XXXX and filed another complaint and waiting another week for a unknown resolution. Please help!

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 2019-09-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Late Payments from XXXX XXXX/XXXX XXXX, showing on my report that I have resolved and bring up to date. The Dates for the late payments are : XXXX, XXXX, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Transunion several times to advise of multiple inaccuracies on my credit report. 
1. One of my accounts is showing a balance of XXXX and it should be XXXX. My credit card was stolen and the bank states that they updated the information with Transunion monthly and it hasn't been updated since XX/XX/2018. 
2. I sent in a request for validation of XXXX XXXX XXXX XXXX and never received a response that this debt was mine.

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 2020-07-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i have contacted all 3 credit bureaus in regards to incorrect information that is being reported on my credit report for the past several months and i've grown tired of this. i have written letters to all three credit bureaus to show me actual verifiable proof that this was indeed investigated and how it was verified and all 3 bureaus have failed to do so. and they continue to report incorrect inquires as well as accounts on my file. they are not following the FCRA guidelines and they should be legally bineded to do so!

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 2020-06-23
Company: Experian Information Solutions Inc.
State: NC
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 filed a dispute in regards to the incorrect items on my credit report. Information is inaccurate on report

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 2020-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In order to verify this is my debt. I have sent a certified letters XXXX to XXXX XXXX XXXX, XXXX XXXX : Disputes XXXX XXXX XXXX XXXX, VA XXXX asking for a copy of the original contract showing my signature and proof of charges with my signature. 

As of todays date they have not sent me any proof that I owe the debt, i.e. information showing my signature. 

They continue to call my phone number after I tell them DO NOT CALL and send the information requested.

Company response to consumer: Closed with explanation