BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have two medical debts under {$500.00} listed on my TransUnion credit report from the Company XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX. As of 2023, these charges should no longer be listed on consumer credit reports. See : 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 2019-12-23
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite two written requests and a fraud alert placed on my reports with XXXX and Experian, fraudulent unverified items still remain on my credit report in violation of Federal Law. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they have verified that these items are being reported correctly. I've contacted the creditor and the 2 credit bureaus with no success with getting. XXXX, XXXX and XXXX XXXX are still being reported but have yet to provide me with PROPER documents validating my ownership of these account.They have NOT provided me a copy of any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Iam just receiving validation of an existing debt. It does not prove ownership! These account are not mine but continue to be reported on my credit reports. I was told by a fraud rep at XXXX that she could not provide me with any information received by the creditor used to validate or verify this account. It is hurting my credit and a consumer i know my rights and i feel they are being violated.

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 2017-04-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was defrauded by the school ( XXXX College ). I was told I would qualify for grants that I did not qualify for and was faced with major student loans due to the illegal practices made my Sallie mae ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a credit card, checking/saving accounts and an IRA account with Capital One. Then Capital One closed my credit card and checking/saving accounts. As a result I do not have access to my IRA account any more. 
I contacted Capital One customer service twice. First time I was told someone would call me back but that did not happen. The second time I was transferred back and forth, spent almost two hours on the phone but it did not help with anything. I was even told that Capital One would close my IRA account and send me a check! 

How could Capital One make a decision on closing my IRA account and force me to pay all the taxes! 

I need to be able to access my IRA account ASAP and I will transfer my IRA account to another bank. I do not want to close my IRA account and pay all the taxes now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CBE Group is fraudulently collecting on a debt that is not owed. I am buying a home and just found out that they are reporting inaccurate information on my credit report. I spoke with the original creditor and they stated that there is not balance and I only had to return an item which I did and it was verified. 

This needs to be removed permanently from all three of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Millco Management
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX I mailed a certified letter to XXXX disputing an account placed on my credit report. On XXXX XXXX XXXX advised me to contact the grantor Amerifinancial Solutions by mail or phone. On XXXX XXXX I mailed a certified letter asking for validation of the debt to Amerifinancial which they received on XX/XX/2021. Today is XXXX XXXX and I have not received a response from Amerifinancial Solution validating the account. Federal law requires that collection agencies respond promptly within 30 days. It has now been 38 days since this company has received my letter and has failed to not only comply with the federal law but to validate this debt. This account continuing to be listed is a serious violation of the FCRA ( Fair Credit Reporting Act ). Please delete this information from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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:
Did not do complete through investigation

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 2019-12-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I found a Charge offs on my Credit report form JPMCB. I disputed it with the CRA it came back verified. I than sent a letter to JPMCB about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your JPMCB does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX, XXXX. 
In XX/XX/XXXX I bought a home in an over-55 development and took out a bridge mortgage until I sold my other home. 
The original mortgage was with XXXX XXXX, who then sold it to XXXX. I was notified on XX/XX/XXXX. Then, I was notified that LoanCare LLC would begin collecting my payments on XX/XX/XXXX, and thereafter. 
The sale on my original home closed XXXX XXXX and on that date, I sent a FAX to LoanCare LLC asking them to please send me the amount of the payoff effective XXXX XXXX and my bank would wire the money to them. 
To this date, I have not received a quote. The most recent email from them, dated XXXX, said : Please note duplicate inquiries may prolong your time for resolution. And lastly, Please allow 3 business days for your payoff quote to be processed. 
I filed a complaint with the XXXX XXXX XXXX and on XXXX XXXX they forwarded a letter from XXXX XXXX, who says he represents XXXX. He has instructed LoanCare LLC to investigate my concerns. Ive heard nothing to date.

Im sure that a substantial amount of interest has built up, which I do not feel I should have to pay considering I have done everything correctly and in a timely manner.

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 2021-12-16
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citigroup Inc is closing my credit card account even though it is in good standing. I haven't missed a payment in two years. They are refusing to reissue my card to replace the expired card. They are closing my account with the reason being " Past Due '' payments. I have no past due payments and haven't for 2 years. The account will be closed at the end of the month

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Since XXXX, I have been a loyal user of the XXXX debit card. I have adhered strictly to all the banks rules and have not engaged in any unusual activities. On XX/XX/XXXX, I received an unexpected email stating that my phone had been deleted for use with XXXX XXXX, followed by my account being locked due to alleged unusual activities. I was unable to access any of my accounts and immediately contacted customer service for clarification. 

To my dismay, I was informed that the bank had decided to close my account and discontinue my access without providing any specific reasons. I was told that my account was in the process of being closed and would be fully closed by XX/XX/XXXX. A check with my remaining balance would be mailed on XX/XX/XXXX. However, there was no guarantee that I would receive the full balance in my account or a timeframe for receiving this check. 

This situation is extremely distressing, as all my savings are in this account. I have rarely used this card recently, with the only significant transaction being a few XXXX dollars transferred to a friend. As a recent graduate from XXXX University preparing to relocate and start my career, this abrupt and unexplained action by the bank has placed me in a difficult position. I feel powerless against the bank and am earnestly seeking assistance through this complaint. 

Request : XXXX. I request that my account be reopened, given the lack of clarity and justification for its closure. 
XXXX. If reopening the account is not possible, I urge the bank to ensure the timely return of my full account balance.

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

Complaint:
From XXXX XXXX, I have sent Experian disputes via mail regarding erroneous accounts on my credit report. In my letters sent to Experian, I have asked for the method of verification AND all documents in my consumer file, more specifically an original contract with my signature on it. Experian has not ONCE provided any documents nor has it provided me it's method of verification. I have sent Experian copies of letters that I have sent to XXXX asking them to validate and prove the debt is mine to which the XXXX did not. Experian continues to report false information in my consumer file. It has been extremely difficult dealing with Experian. The company completely ignored all requests in my dispute letters when I requested an original contract with my signature on it and the method of verification. I even ask who specifically it spoke with that allegedly " verified '' these items. Also, Experian never mails me back a response. The company continues to send me results of it's investigation via email when I requested all correspondence be sent to me via letter mail. Experian is not conducting a reasonable investigation. It is instead relying on its E-OSCAR system and believes whatever an alleged creditor says. It's as if in Experian 's eyes, the creditor is always right and can not make mistakes. If Experian actually performed its own investigation instead of relying on automation, it would clearly see that those accounts do not belong to me. Experian does not care about the consumer at all and profits from credit inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: WESTERN UNION COMPANY, THE
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I tried to use Western Union to pay my mortgage. As advised by my mortgage company. I sent {$800.00} being charged up {$50.00} fee totaling {$850.00} to my mortgage. My mortgage company denied it because it was a few dollars shy of the total needed for the month. They sent it back for a return. I was not aware of this and sent another {$400.00} to my mortgage company on XXXX the XXXX, being charged {$30.00} to send it totaling {$430.00}. On the XXXX I was made aware the morgage company was returning the money. I woke up on the XXXX and looked at my bank account, instead of a return I was charged {$800.00} more. Leaving me with a negative bank account. I immediately contacted Western Union to see what happened to my {$1600.00}, they couldn't give me a answer. I sent bank statements, pictures, with no answer. I started to worry about the other {$430.00} I sent to my mortgage on the XXXX. The XXXX I was charged another {$430.00} instead of getting a refund. Now the total is at {$860.00}, the full amount {$2500.00} putting me, my XXXX children and XXXX wife in a bind beings I am the only pay check for the household. Since the XXXX of XXXX I've been in contact with Western Union, trying to find a solution, they just paid sh me off to a different person every time, the excuses have been ; It's was a glitch in our system. It's your banks fault! It's your fault ( beings me ). It's a double payment you made. 
None of these have proven to be facts in the paper trails of emails and bank statements in my possession. 
I would like to be compensated for the month of agony my poor family has suffered for the ignorance of Western Union and the customer service that has been shown.on top of the {$2500.00} they owe me leaving my family stranded with no groceries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EOS Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The collection agency had been repeatedly harassing other people in an effort to contact me, even after being told by those people that the collection agency had the wrong number. Apparently, the messages to other people referenced a " judgement '' against me. 

In order to stop this harassment, I contacted the collection agency. The man I spoke to tried to portray himself as a neutral party and said he would be " advocating '' for both me and " the client. '' He then hinted that I had commited " theft of property '' amongst other crimes and that he wanted to offer me a chance to settle before he " sent it to the county. '' I interpreted this as a threat of criminal prosecution. 

I asked the man to verify the name of his company. He stated XXXX, XXXX. 

He then offered several payment options. When I requested that he send documentation of this payment offer, he refused. He then again implied I had commited crimes and would face action from " the county. '' The call ended shortly after.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have some collections on my reports that are over 7 years old and i have been trying to dispute them since XXXX and have had no luck. 
My understanding was that once you filed an dispute the credit bureaus had 30 to reply or fix it. None of this has happen. I check my reports all the time and as of today XX/XX/2021 nothing has came off. 
I mean seriously how long does this take?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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