BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
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: Personal information incorrect

Complaint:
See attached documents, the personal information you are reporting are not 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 non-monetary relief
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-01-22
Company: CITIBANK, N.A.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by 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 non-monetary relief
Consumer complaint received 2023-03-01
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

XXXX XXXX  Bankruptcy 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 2020-01-28
Company: EQUIFAX, INC.
State: PA
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:
XXXX continues to furnish derogatory information on credit report. According to FCRA [ 15 U.S.C. 1681b ] company is out of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Diversified Consultants, Inc.
State: OH
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 never done business with DIVERSIFIED CONSULTANT # XXXX {$1600.00} I have already disputed this account with another company XXXX XXXX that I guess sold this Unverified account to DIVERSIFIED CONSULTANT # XXXX. I will sued them if they do no remove this Fraudulent account and stop selling it to other collection agencies.I request that formally DIVERSIFIED CONSULTANT substantiate account data DIVERSIFIED CONSULTANT conferred to the major credit bureaus for me, XXXX XXXX XXXX, with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I have a lease thru JP Morgan Chase bank, my past 3 vehicles have been leased with them as well without a problem, I recently was sent an advertisement from XXXX   XXXX telling me that I could trade in my lease early ( lease is up XX/XX/XXXX ) I went to the dealership and after running my credit they saw that Chase had reported I was later 12 times between XX/XX/XXXX-XX/XX/XXXX so they denied me even with a co-signer. I called Chase because I have always made a payment every single month! Not one month was skipped but there were several months when someone else was making payments for me because I was in the hospital through out XX/XX/XXXX- XX/XX/XXXX. There were months that since the person only made a payment of {$1500.00} instead of {$1600.00} that extra balance was carried over to the next month, so there fore each month it was a little more and more, I tried catching up but every month there ended up a small amount over due ( even one month it said {$1.00} past due! ) this resulted Chase " technically '' saying I was 30 days late. I just think this is unfair because now that I might have to be getting another vehicle because I was in a major accident the other day and it might be totaled. I understand that I might owe small balances from previous months that I have tried to get caught up with but I don't think that should be reported as 30 days late because there was always a significant payment made on the lease. I would just like to be able to lease another vehicle with XXXX XXXX. I tried disputing directly thru the credit bureaus but the choices are so narrow and they denied my dispute. I also called Chase and they suggested I contact the FTC. I have attached 2 examples of their version of past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have contacted the XXXX major credit bureaus, Transunion, XXXX, and XXXX, I have disputed several inaccuracies, I have not received any answers to my disputes. I have sent dispute letters in the month of XXXX and XXXX. it has been over 60 days and I have received no respone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Financial Management Solutions, LLC
State: DC
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 debt with my original creditor ( XXXX XXXX XXXX XXXX, MD ) that was passed on to debt collection ( XXXX XXXX XXXX XXXX, MD ) The debt collector was never able to collect. The original debtor has since won a judgement against me for the debt and has placed a lien on my property. The debt collector is not named in the judgement and is no longer responsible for collecting the debt. I have disputed this debt on my credit report with all 3 credit bureaus more than 5 times and have provided them documentation of the judgement with the original creditor. I have contacted the debt collector to ask them to please stop reporting a debt they are no longer responsible for as the account is closed. The debt collector has refused to stop reporting the debt. The credit bureaus keep verifying the debt as valid. I have no clue how to get this removed from my credit report and need 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 explanation
Consumer complaint received 2018-09-24
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/XXXX : I contacted Chase about XXXX XXXX XXXX XXXX  credit card ( current account ) which was upgraded from XXXX XXXX XXXX Credit card ( former account ) in XX/XX/2018 per email and USPS promotional materials. 

I reviewed my XXXX XXXX  loyalty account and noted that I was not receiving XXXX XXXX Credit for each {$3000.00} in purchases that I made. 

I have talked to representatives from Chase twice today and a phone message indicated that the call was being recorded ; I also spoke with representatives from XXXX XXXX. 

Both Chase representatives indicated that the " Terms and Conditions '' for my former account, Premier, contained both # XXXX  -- " Each calendar year a maximum of 15 XXXX XXXX  credits will be credited to one of your XXXX Loyalty Program accounts .... '' and # XXXX -- " You will earn 1 XXXX  XXXX credit for each {$3000.00} in Purchases. '' Both Chase representatives confirmed that the " Terms and Conditions '' fora my current account, XXXX XXXX, contains a provision similar to # XXXX but does not include a provision similar to # XXXX. 

I indicated that the elimination of a provision similar to # XXXX was not communicated to me around the XX/XX/2018 timeframe when I had several discussions with Chase representatives about the benefits of an upgrade to XXXX XXXX. Never did any of the Chase representatives indicate that I would no longer earn " XXXX XXXX  XXXX credit for each {$3000.00} in Purchases. '' The loss o this feature means that to date I have not earned some 3-4 XXXX XXXX credits, which if added to my XXXX Rewards account would aid me in accumulating enough Elite credits to enable me to reach XXXX XXXX   or XXXX XXXX status. 

Chase has been misleading in encouraging an upgrade, for an additional {$10.00}, with an ability to earn more points but eliminating the ability to earn XXXX  XXXX   credits. 

Today a Chase representative politely informed me that since it was 60 days beyond the date of the upgrade, " Chase had no ability to reverse the product change '' that was made. 

I am disappointed by this bait and switch tactic used by Chase and seemingly encouraged by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: U.S. BANCORP
State: IL
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:
On XX/XX/XXXX, US Bank responded to my previous complaint ( filed on XX/XX/XXXX ) with numerous false statements and still charged me interest fee ( pages 1 and 4 of attached enclosure ), even though they reversed my late fee. The discrepancies are as follows : -The letter stated that on XX/XX/XXXX, I spoke with a female representative in XXXX XXXX who was professional and reversed the late fee at my request. However, this is a false statement, as a spoke with a male representative named XXXX, who was rude and hung up on me before I could be transferred to a supervisor, who was a female. 
-The late fee was reversed when I contacted the US Bank XXXX XXXX XXXX via XXXX on XX/XX/XXXX and got a call from a representative named XXXX . He reversed the charges on my account. Why would I have contacted the Social Media Team on XX/XX/XXXX and filed a complaint with the CFPB if the person I spoke to on XX/XX/XXXX actually reversed the charges, as I requested? Why would XXXX have called me on XX/XX/XXXX to follow up and tell me that the charges were reversed if they had been reversed prior to our fist conversation? 
-The letter stated that I had not logged into the online banking platform since the statement period closed ( on XX/XX/XXXX ) ( page 5 of attached statement ) .The attached screenshot proves that I did indeed, log in on XX/XX/XXXX to make my payment, as I alleged in my original complaint. The history screenshot also displays the same sites that I logged into to make my payment on XX/XX/XXXX. Therefore, evidencing that this statement in the letter by US Bank is completely false. 

US Bank clearly did not research my complaint adequately and provided further false information in their never ending unfair and deceptive business practices.

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 2018-09-24
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
From XX/XX/XXXX Fall Semester at XXXX university I had a loan with Salle Mae. The loan was approved and I went to school and sat in class. in XX/XX/XXXX my loan was taken back from me mid semester. I was informed by XXXX University  That Salle Mae took back my loan after the financially clear date. I ended up back at home facing extreme loan debt while attempt to restart my education because most of my credits didn't transfer over. 

Salle Mae is missing that particular loan document to which I will need in court against Navient. 

this is a formal complaint against Salle Mae, Navient and XXXX University. 

I am entitled to all documents signed by me and my cosigner. 

I have spent a month attempting to get the correct document from Navient and without this all documents are null and void. 

I signed 4 documents considered loans with Salle Mae 3 approved and one approved anhen unapproved at a later date and pulled from my school XXXX at the time. 

This is a document I will need in all cases against Navient and or Salle Mae. 


Both parties are claiming they can not locate it. 

Please assist as I will need the document as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery services has claimed that I owe {$1000.00} and {$750.00} from XXXX XXXX XXXX credit cards. I have sent a series of letters to both Portfolio Recovery XXXX and all 3 credit bureaus requesting validation of this debt. I began this process in XXXX, specifically mailing my initial letters on XX/XX/2018, delivered on XX/XX/2018. My accounts were not marked disputed on my credit reports on XX/XX/2018. I sent another letter on XX/XX/2018 asking for the names, addresses, and telephone numbers of persons who verified this debt. They have violated the Fair Debt Collection Practices Act, specifically Section XXXX, as well as the Fair Credit Reporting Act, citing Section XXXX. I have also sent several letters to each of the credit reporting agencies with no avail. They are continuing to verify this debt without providing any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: TX
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 XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2020, i sent a letter to PORTFOLIO RECOVERY Disputing a alleged balance of {$720.00} that i do not owe.i have not receive anything that i requested in the letter and has attached a copy of the letter below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2020, I wanted to see my credit score report so I went to TransUnion because they offered to give it to me for free. I was not made aware that I was signing up for a $ XXXX/month subscription. On XX/XX/2020, I checked my credit card transactions and noticed one from TransUnion. I tried cancelling my subscription online, but never received a confirmation email from them that my subscription was actually canceled.

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 2022-01-06
Company: EQUIFAX, 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:
Reviewed my credit profile and saw an authorized account XXXX XXXX. I find that strange because I have never lived there. The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I went to XXXX College XXXX XXXX XXXX in XXXX, CO from XX/XX/XXXX to XX/XX/XXXX. I was unable to complete school due to a death of spouse and child. I have asked for student loan forgiveness due to uncontrollable circumstances. I have been denied or never get an answer. Also the school closed and is now XXXX. I never attended XXXX or any other school name it became. If school closed. It should have been written off in bankruptcy. It is deception and fraudulent to continue to collect on loans due to hardship and school closure. I am needing help navigating this issue. I have dreams to be successful for my family and loved ones. Any help would be appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing this complaint against American Express Company because the company is evading its responsibilities. Two months ago, I filed an arbitration through XXXX, but the company has not formally responded. I have sent several notifications, and I feel frustrated. I have tried to resolve this matter, but the company ignores my letters. I request that an investigation be initiated against the American Express Company. The agreement establishes that any dispute can be brought through arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Florida Pro Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am an employee of Florida Pro Mortgage and I want to file a complaint against the company and the broker, XXXX XXXX, for not protecting consumers and for teaching illegal way to do business. 

I have clients that are suffering loses, due to decisions or lack there of, by XXXX XXXX and Florida Pro Realty and I want him stopped before he does this to other people.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
These companies violated my consumer rights by furnishing this information to my credit report without my knowledge or consent which is identity theft identified by 18 USC 1028A. They violated the privacy act of XXXX by sharing information such as my SSN which belongs to the SSA. And trying to collect on a debt which is an obligation of the United States as per 18 USC 8 which also makes them guilty of the False Claims Act. 
The companies Include : XXXX XXXX XXXX through XXXX XXXX XXXX Account opened : XX/XX/XXXX Amount : {$310.00} XXXX XXXX XXXX XXXX through XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$7400.00}

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 2018-07-24
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was buying XXXX XXXX XXXX XXXX, spoke to customer care in XXXX XXXX, XXXX XXXX that, that specific product is not available in other store than XXXX XXXX itself, so suggested go financing for 18month @ 0 % interest.so it took me to barclaycard website.so I applied.they denied my credit.i just checked my credit report that they did a hard inquiry on my report, which is not right.please help protect my right.thanks.im an us cutizen.

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