BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-26
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: Their investigation did not fix an error on your report

Complaint:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements

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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 request That Transunion do a full investigation on inaccurate information being reported .Since XX/XX/XXXX, Ive sent them letters requesting that all information being reported should be the Same all across the board, example XXXX XXXX XXXX, & Transunion XXXX I have called Transunion and still no help. Information such as my name, date of birth, & also accurate Address, is being wrongfully reported. Per consumer fair credit report law 15 U.S. Code 1681 ( a ) & ( b ), Im asking that Transunion please be fair. I have. 2 Hard inquires on both my XXXX and XXXX, where is Transunion getting such information? {$140000.00}, is my XXXX XXXX XXXX total debt, Transunion is {$140000.00} way higher. Where is this amount coming from? Transunion also has inaccurate payment on my accounts reported. Im asking that I get some sort of reply from them besides they cant not block any information .Im not requesting any information to be blocked but rather report accurate

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 2018-04-10
Company: Convergent Resources, Inc.
State: IA
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:
1 ) These accounts, opened in XX/XX/XXXX and XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXXthru XX/XX/XXXX timeframe.

2 ) The address provided to and reported by XXXX   is one that XXXX XXXX  has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX  and Convergent failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX XXXX Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX and Convergent to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved.

It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.

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 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a ( 30 ) day late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and contacted XXXX and provided them with my updated contact information in addition to making my XXXX payment. I have never missed a payment on this account. XXXX XXXX XXXX incorrectly posted the payment and consequently this error caused a late to report. I was not aware that there was a late showing until I obtained a copy of my most recent credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to remove this however, I have not been successful.

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 2018-10-10
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:
There is an account from XXXX XXXXXXXX that was removed from my XXXX and XXXX credit file on XX/XX/XXXX due to identity theft. It was re-inserted back on my credit report as a collection which is a violation to the Fair Credit Reporting Act as of XX/XX/18. I am filing a complaint that this account has been reinserted on my credit report. I demand that this be removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Convergent Resources, 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: Information belongs to someone else

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2020-08-29
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a police report to Citibank over unauthorized use. This is still showing up on my credit report after years, and they have sent it to collections. I sent them proof of all of the charges that were not mine before they ever sent it to collections.

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 2020-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Requested Escrow Cancellation due to LTV of less than 80 percent. Its been 30 days and nothing has been done

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 2018-03-26
Company: EQUIFAX, INC.
State: WA
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 had no credit history as of last XX/XX/XXXX but worked with a local XXXX XXXX XXXX to build my credit scores in order to purchase my first home in 30 years. I got my XXXX score to XXXX in XX/XX/XXXX and moved forward with a lender to purchase my first home. Now my XXXX score is XXXX also, but Equifax will not cooperate. They don't show that I have any tradelines even though I have had two since XX/XX/XXXX and 4 since XX/XX/XXXX. I have spent countless hours with my lender and other professionals in the financial community to figure out why Equifax will not record a score and they have spent hours trying to help me. I have called them at least 6 or 7 times and no help. They sent me a form letter saying " the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. I faxed and mailed all they asked for and more and they mailed me a similar form letter. Again, I sent them all the info they were asking including both previous and current Drivers License ( previous and new name ), both Social Security Cards ( with current and previous names ), Court Document showing my name change signed by a judge, electric bill ( XXXX XXXX ), photo copies of my credit cards, and payoff statements for all my loans. These I sent two and three times ( the first time I didnt include my name change ). I have now received 5 similar or duplicate form letters every time I have tried to get answers. I dont know what else to do neither do the professionals who are helping me. Equifaxs lack of professionalism is holding me hostage from owning the home I have worked hard to get. They are the only barrier and they will not cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
1. I opened a business credit card account with Chase Bank for a small XXXX service organization called XXXX ( XXXX XXXX XXXX XXXX XXXX ) in XXXX or XXXX. 

2. Transferred everything in the business to XXXX XXXX, the new director of XXXX, in person, with him present, at the XXXX ( XXXX XXXX ) branch of Chase Bank. Left the business and the state in XXXX XXXX. 

3. In XXXX, I received a notice indicating that I was still a responsible party on the XXXX credit card and owed some money. After a great deal of talking, emailing, FAXing and US mailing of documents, including to and from XXXX XXXX, and the bank 's fraud department, all of which Chase now denies ever happened, I was ASSURED that I was no longer responsible for the credit card account. This was confirmed since there was no further discussion of my owing anything. 

4. Now, two years later, I am told that I owe over {$3000.00}, that I am delinquent in payments I knew nothing about and the card is now revoked. XXXX agrees that he owes the money, fell behind on the payments and states that he was NOT aware that I would be held responsible. The bank continues to repeat the party line that there has never been any communication and that I am responsible and liable for anything on the card.

5. My credit rating, built up over many years of careful management, plummeted from XXXX to less than XXXX, and now hovers around XXXX. 

6. I was in the process for several months of buying the condo that I rent, through a veterans ' specialty realtor, and now the process is completely stalled. I may lose the opportunity and have to move into another rental.

7. I am a XXXX-era veteran with XXXX XXXX XXXX. Some of symptoms preclude me from being organized and keeping thorough records, even on computers. I do n't believe Chase Bank has the same problems. I believe they have known full well that I am no longer the signatory on that account, are lying in order to get paid and do n't care if they ruin my credit or my life. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Two new inquiries on my credit report as reported by Experian through my ID XXXX account. These inquiries were unrecognized by me. These two inquiries were from XXXX Financial Services located in XXXX XXXX, DE for a credit card and the second inquiry was from the United States Business Administration DOA in Texas. The person was applying for a small business loan for disaster relief using my SS #. I contacted the XXXXr Financial Services Fraud department and the U.S. Business Administration and both put a fraud alert on each application. I also filed a police 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 non-monetary relief
Consumer complaint received 2017-12-03
Company: Experian Information Solutions Inc.
State: IN
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:
ONCE AGAIN XXXX FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO XXXX TO XXXX XXXX. AS WE SPEAK XXXX REPORTING ON EXPERIAN AND XXXX AS XXXX AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE ACCOUNT.

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 2021-09-07
Company: Better Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2021 Better Mortgage 3+ hours of being on hold with ZERO assistance. Nothing like dropping the ball the day prior to someone trying to close on their home. Better sends me a Closing total of XXXX and then XXXX for closing on a XXXX home. LOL. So I tell them it's wrong once and they actually increase it by XXXX additional!! Trying to get on the phone with the people that can assist you is NEAR IMPOSSIBLE! They are ALWAYS out of office or " Out to Lunch '' .. Yeah okay... 

No one is able to help me, I would never recommend this company. 

My closing cost should only be XXXX, not XXXX... I'm not sure what they are doing over there but they don't deserve any customers. They are apparently terrible at math and also terrible at communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There're discrepancies between what the merchant charged and what the bank charged.

I have attached three files, one for what AFCU charged, one for what the merchant Charged, and one my comparison table showing AFCU overcharged every transaction by 1 %, and nobody at AFCU can explain to me what that 1 % fee is for. There should be no fees because I used a debit card that is tied to my checking account at AFCU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The branch I dealt with in XXXX and recently was this branch : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I quote and wrote XXXX XXXX and the XXXX. I have also spoken to the debt collector and there is nothing on credit report as of yet... 

" I sent emails with letters to verify and they never responded. 

Attached you will find a cancellation letter from XXXX. 

I am disputing it with the credit agencies, the FTC, and the XXXX. I am willing to let the debt sit since I have good credit anyway and it really won't affect my credit very much and continue to dispute it or settle it in small claims court due to principal. 

I am very unhappy with the services when all I was trying to do was change the membership I was told I needed to cancel and re-open. None of your representatives were able to do that. It caused so much frustration I decided to just cancel all together and they still did not do this right. The reps name was XXXX and she was extremely unprofessional and lacked the knowledge to cancel my membership correctly. Now it is in collections and I've sent them the cancellation letter. Please train your staff to do their job. I should not owe any debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: TX
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 like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 am writing now in hopes to obtain your help. At the present time I am working on reviewing my credit, paying down my balances, and working toward greater credit worthiness. You play a significant role in this process. I am inquiring about the account number referenced in this complaint. 

I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2018 and I am writing this to have this remark retracted. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: U.S. BANCORP
State: DC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The DC Department of Unemploymet sent a US Bank Relias Card in the mail for me to activate and deposit my unemployment benefits. The company has not credited a payment of XXXX onto the card, debit it XXXX, XXXX and XXXX for a recurring car payment through the Relias bill pay portal, but none of the payments were received by the car company. The car company says that car payments cant be made with a debit card ; but payments can only be made with an account and routing number. Therefore, several hundreds of dollars are being stolen with the Relias Card .I have submitted a dispute, but have not received a refund.

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 2021-09-07
Company: Experian Information Solutions Inc.
State: TX
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 was a victim of identity theft when I was XXXX  in a XXXX XXXX. I have struggled with XXXX XXXX and when I am XXXX my information is compromised. My information has been compromised in these bureuas security breeches and the they fail to fully validate information and refuse to remove these items from my report, Instead the keep updated the system as open accounts when they have been paid and the file closed

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 2021-09-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I want to remove this fraud alert from 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 non-monetary relief