BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
All three of the credit reporting agencies are not supporting equality for woman. I have interviewed many others including executives at the same corporate level and they have also identified a huge disparity between their credit reports and their husbands. We incurred the same credit & debt. All loans and assets were in both of our names. 

I submitted disputes and within an hour it said it was resolved. It is impossible. The one business was no longer open for business at that time and the other would take a full investigation. 

I am reporting it to FTC, XXXX, social media and the news. 

Experian, XXXX and XXXX are also violating the FCRA and equality when only the husband gets the credit on his report and derogatory is taken off but remains on the womens report. Both shared the debt, gained the credit and worked so both should have the positive effects AND exactly the same credit reports. I was the one who bought and sold our homes. One for {$650000.00} and the 2nd home for $ XXXX. Where is that on my report!!!!!??? 

The bankruptcy landed only on my report and no sign of my large credit acquisitions and pay off amounts. 


Side note : XXXX is escpecailly guilty of this and will only list the active duty member not both parties co-signing on a loan. Not really the American spirit for a financial institution built solely on the financing and economy of families Servicing this country. Dishonorable

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 2019-06-17
Company: Waypoint Resource Group, LLC
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: Information belongs to someone else

Complaint:
noticed this on my credit report and I tried to contact the consumer however no luck. This is not my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is unfair and unacceptable. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. I have been asking for proof that these negative accounts in my credit report is reported truthfully yet nothing has come to light and provide me with copies of any documentation associated with these accounts bearing my signature and authorizing an inquiry.

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 2019-05-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2019 Transunion customer service would not help and take care of the erroneous inquiries that I reported to them on my credit report. I spoke with two customer service agents at thier organization that were very unprofessional and didn't offer any solutions to my issue.

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 2019-05-19
Company: CITIBANK, N.A.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
About seven years ago, I was persuaded by a Citibank teller to open a {$50000.00} " Custom Credit Line. '' He told me that there were no fees or expenses for opening or holding the account and that I would receive more " Thank You Points '' from Citibank for having this type of account in addition to my pre-existing checking and savings accounts. I opened the account and, within a couple of years, I began receiving annual fee statements. ( I have never used the account and I don't need a personal line of credit. ) At various times, I contacted Citibank over the phone and explained the situation and they agreed to remove the fee. Nonetheless, I have recently been receiving fee statements every month and now my phone calls and written letters to Citibank have been ignored. The most recent fee statement shows a balance of {$50.00}. Again, I have asked for this account to be closed and for all fees to be waived, but there has been no response and the fee statements continue to arrive. 

I am requesting that Citibank close this account and remove all fees. In addition, I would like the bank 's practices to be investigated, as I suspect there may be pressure  on tellers and employees to induce customers by fraudulent statements to open " free '' accounts that will ultimately incur fees.

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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2018-10-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is trying to collect on a debt for XXXX that is not mines. I do not have a contract with this company or any debt with this company.

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 2018-10-29
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: Account information incorrect

Complaint:
The credit agencies is incorrectly reporting that XXXX/XXXX  was late in XXXX - XX/XX/XXXX ; XXXX and XX/XX/XXXX.This is inaccurate information reporting on my credit 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 non-monetary relief
Consumer complaint received 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
see attachments for details.This complaint against the credit bureaus refers to a direct CFPB COMPLAINT XXXX against the furnisher XXXX XXXX XXXX XXXX XXXX XXXX account number 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 2018-08-17
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: Account information incorrect

Complaint:
XXXX XXXX/XXXX Inquiry from XX/XX/2017 Unauthorized inquiry, and they will not removed ... XXXX, credior said they should remove it, if I didn't authorize ... 


Transunion XXXX Inquiry from XX/XX/2017 XX/XX/2017

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 2019-06-17
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2019 at XXXX Eastern Time I received a text from XXXX indicating that my SIM card was changed. I proceeded to find a public phone to call XXXX immediately and suspend the line at around XXXX. 

By that time it was too late, and the perpetrator was able to gain access to my XXXX ( XXXX ) reset the password and utilize that to gain access to my Coinbase account. 

I had around 4-5000 USD worth of BTC in the account at the time, and the perpetrator continue to purchase additional coins inside my account. 

Access to Coinbase and they are not responding to my active ticket inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Commonwealth Financial Systems, 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: Information belongs to someone else

Complaint:
noticed this on my credit report and I tried to contact the consumer however no luck. This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Please reference my prior complaint about my BofA checking/savings accounts : Summary of your complaint Complaint number : XXXX-XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Checking or savings account Issue : Managing an account BofA properly closed my checking account after the prior complaint, but it has inexplicably kept my savings account open and has begun to charge me $ XXXX/month maintenance fees. In XX/XX/2018, when I filed the prior complaint, I had {$15.00} in the savings account. However, due to BofAs improper failure to close my savings account and in the meantime charge me $ 5 monthly fees, the current balance is now - {$10.00}. This is entirely due to BofAs fees. 

I was very clear in my last complaint that given BofAs unfair, opaque, and predatory consumer banking policies, I no longer want to be a BofA customer. Why did they close my checking account but not my savings account? This appears to be an attempt to continue to generate fees from me when my savings account should have been closed long ago, and is once again evidence of BofAs pernicious and opaque practices that act to the detriment of the everyday consumer.

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 2019-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a Bank of America premium rewards card. The annual fee was waived the first year. I noticed that the annual fee posted online ( but wasn't yet billed ) and I called before being billed to cancel the card. I was told that the annual fee would not be refunded. The referenced account is Bank of America Premium Rewards Visa Signature ending in XXXX. I closed all of my Bank of America credit cards as a result.

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 2018-08-17
Company: JH Portfolio Debt Equities, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with XXXX on the XX/XX/XXXX and she put me on hold for 15 minutes stating she couldnt find anyone to help me but she gave me the number to XXXX who handles their bankruptcies. I told her that XXXX didnt report to the credit bureaus, JH Portfolio does. So she suggested I call back later to see if I could get someone to help me. 

I called again on XX/XX/XXXX and spoke to XXXX again. She put me on hold and came back to say that her supervisor says its supposed to report as an open collections account and it will stay that way until its discharged. I asked to speak to her supervisor, XXXX, who said they send the same code to each credit bureau and theyre supposed to be reporting the same way. She stated that it will stay in open collections due to my agreement with the courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions.

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 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was in a auto accident in XXXX of XXXX I was rushed to the ICU trauma center anyhow the car was deemed a total loss. My insurance company took time paying off the balance of the loan plus I had GAP and, Did make payments. I filed a complaint on XX/XX/XXXX with CFPB XXXX XXXX sent a letter and, attached that same letter to complaint XXXX stating they were going to report to all major credit bureaus with 0 30 0 60 0 90 paid and, closed, and they did due that for one month only and, as, soon as the CFPB complaint was closed bam they reported same negative that they removed to my credit 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 2018-02-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
Bureau is refusing to remove inquiries that were obtained without my permission, Ive sent them numerous request asking to remove them and they have not ; so I am filing this complaint against them for unfair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I filed a bankruptcy in XXXX the bankruptcy did not include my mortgage with US BANK however US BANK stopped reporting my mortgage to the credit bureaus. I called US BANK multiple times and each time I was advised that if a person filed bankruptcy that they were not required to report my mortgage payments to the credit bureau. I called again in XXXX of XXXX and was advised by XXXX in the bankruptcy department that in order for them to report my payments to the crew bureau I have needed to complete a form prior to XXXX of XXXX. I escalated the call to the manager XXXX and I informed her that I signed a reaffirmation form in XXXX of XXXX that stated that by signing the form it would make it possible for US Bank to submit beneficial credit reporting on my behalf. I spoke with XXXX from the bankruptcy department XX/XX/XXXX who informed me that us bank decided not to report to the credit bureau on my behalf even though we have a signed agreement on record with the courts.

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 2018-10-29
Company: EQUIFAX, 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:
The credit agencies are incorrectly reporting that XXXX is showing 30 from XX/XX/2018 to XX/XX/2018. I was never late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
Company: Midwest Recovery Systems
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never informed of this debt, nor do I have any knowledge of this account. This is reported on my credit to all 3 credit reporting agencies and is negatively affecting my credit. I was never sent anything in the mail, and when I disputed they still are fighting the validity of the debt however was never afforded the opportunity to challenge this account. 

I have contacted the company multiple times, and they do not give me any help, stating they sent something but it was not to a current address. This item should be removed off my credit report as I have no knowledge of this account and was not given the opportunity to dispute the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My car was repossessed XX/XX/20 The creditor told me I have till the XXXX of XXXX to fax a paper and give them XXXX and they extend my contact 2 months. Today XX/XX/20 I went to go pay and fax over my things to pick up my car which was 30 mins away since the XXXX it been gone and I was never notified my car was going to Jersey.Repo tells me they claimed my car and took it like 200 miles away and now the auction place is saying I can't have my car but I have to pay transportation parking and they made a key for my car. How am I responsible if my car not supposed to be sold until XX/XX/20. they rushed it and someone somewhere is violating my rights. People shouldn't be treated like this. At least be fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: EQUIFAX, 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:
On or around XX/XX/XXXX, XXXX XXXX deleted 2 collections from my credit reports ( as they did not belong to me ). Equifax deleted both. On or around XX/XX/XXXX, a dispute was initiated for obsolete inquiries, they were deleted. At some point around that time Equifaxs faulty system split my file into two, blocking multiple trade lines, good and bad. At the time I had no idea what was going on, and called multiple times. Spent countless hours on the phone with reps. At this time EQUIFAX reinserted  XXXX  XXXX. This is a direct FCRA violation. Speaking with multiple reps, Im being told submit a dispute. I thought perhaps Equifax would straighten this out themselves with the thought in mind that they have this information as XXXX XXXX obviously sent this information to them before. Nothing happens. Eventually I get a rep whom straightens out the spelling of my middle name, and he again tells me I must file a dispute. My issue is, it takes 30 days to have a dispute done why should I have to wait 30 days? Im telling you XXXX XXXX deleted this themselves, they sent me a letter, you have this info available in house which a rep did confirm, however I have to spend money for a dispute ( bc Equifaxs faulty system also has me locked out of the dispute portal ) either mailing or faxing. Against my own wishes, I submit a dispute XX/XX/XXXX. I also provided the letter XXXX XXXX sent. During this wait I managed to get a rep named XXXX on or around XX/XX/XXXX, who spend 40 plus minutes on the phone with me and finally contacted the consumer affairs department and got my file straighten out. Everything was merged back together. At this point I notice that three collections from XXXX XXXX were also on my report. XXXX XXXX on or around XX/XX/XXXX, deleted themselves from my report as well. This didnt upset me too much, bc I figured that my report was in some sort of black hole, which is probably why. I waited a few days for it to sort it self out. I call Equifax, I told to file a dispute. Absolutely NOT! You have this information!!!! Why should I have to? Ive emailed equifaxs executive offices multiple times. To make matters worse, I received a response from my dispute on XX/XX/XXXX this past past Saturday XX/XX/XXXX, in which they state this XXXX XXXX was verified?!!?!!? Hooooowwwwwwwwwww? They claim they never received my fax with supporting documents?!? This is ridiculous!!! Equifax is NOT properly investing bc I can assure you they have this information internally, and also XXXX  XXXX would not verify this as THEY SUBMITTED FOR DELETION! this is ridiculous, and I can not understand how and why they are continuing to violate my consumer rights by not complying!

Company response to consumer: Closed with explanation