BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have tried to get Experian 's help in correcting a error on my credit report on at least 4 different occasions. As late as today ( XX/XX/XXXX ) I again received from Experian their statement that my credit report is correct ( one of their XXXX comments that their position was correct was their comment that it was confirmed by the company who placed it on my report. ) That is a XXXX comment, because the missing item on my credit report is a chapter XXXX bankruptcy filed and discharge in the XXXX XXXX US Bankruptcy Court ... ... .NOT A COMPANY. i CONTACTED THAT COURT AND OF COURSE they informed me they do not contact the credit reporting agency, they respond to calls from the latter. 
Summary : I filed a Chapter XXXX bankruptcy which was dismissed by the US Bankruptcy court in XXXX, TX. I then filed a chapter XXXX in XXXX XXXX which was eventually discharged in XX/XX/XXXX. 
Since I have done all I can do to get Experian to correct my credit report to no avail, I have decided to file this complaint and to then, next week, file a suit against Experian under the auspices of the Fair Credit Reporting Act.

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 2018-12-11
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:
I am a victim of identity theft and there is a public record that got reported on my consumer credit report with XXXX, transunion that shows filed XX/XX/2013 with US Bankruptcy Court as chapter XXXX. I have contacted these bureaus and was told I need to file a Federal Trade Commission report and police report so they can block this off. I have also notified them of the fraudulent addresses used. It has been over 6 months now one supervisor told me it only takes up to 4 days and it will be removed and it still reports. I have been calling over and over sending letters and all i get is you need to file it again. This is my last step I am taking then I am going to file a lawsuit against these companies in how they treat victims of identity theft. This has caused my good standing credit card accounts to shut down and has ruined my credit rating. I spoke today again with specialized handling senior supervisor named XXXX that again told me that there is nothing he can do at the moment without any explanation and hang up on me.

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 2020-01-16
Company: Credit Technologies, Inc.
State: IL
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:
Credit Technologies improperly obtained a 92 month Verification of Mortgage for my property. Based on the total amount of late payments listed on the Verification of Mortgage ( VOM ), they magically created dates of these late payments. My mortgage servicer ( XXXX ) never provided the dates for these late payments. Credit Technologies and XXXX attempted to hide this supplemental report from me. I was able to obtain a copy of the VOM from XXXX. 

I was working on a new FHA mortgage application with XXXX XXXX. I requested that XXXX XXXX perform a " Verification of Mortgage ''. I told XXXX that I wanted them to perform the Verification of Mortgage and not to use a third party. XXXX engaged with Credit Technologies for a verification of mortgage without my consent. 

Credit Technologies sent XXXX XXXX a " Verification of Mortgage '' with no specified end dates. They received a 92-month verification of mortgage from XXXX. The verification sent by XXXX contained the total amount of 90-day late payments, 60-day late payments, and 30-day late payments. The form did not specific the dates from these  late payments. 

My mortgage with XXXX went through a Chapter XXXX and Loan Modification in XX/XX/2015. The XXXX mortgage was not re-affirmed. Therefore, I was very cautious on what information a 3rd party credit agency obtains on this discharged debt. 
Thinking that XXXX was obtaining a 12 month VOM, I was shocked when Credit Technologies performed a 92 month VOM. Ive also very confused on how Credit Technologies generated the SUPPLEMENTAL REPORT based on a 92 month  verification of mortgage which didnt have specific dates for the late payments. The supplemental report they provided to XXXX somehow extrapolated dates for the late payments. How did they make up these dates, as I confirmed with XXXX, that they didnt provide this information to Credit Technologies. 

Credit Technologies made up these dates and numbers in the supplemental report. In addition, the total number of late payments do not match the late dates in their own report. The report they states 6 60 day and 1 90 day. However, the dates they made-up in their report equals 7 60 day and 2 90 day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/XXXX, I bought a XXXX XXXX style car radio, which controls my heat and air, In a couple weeks after I purchased the item I returned it back to the merchant XXXX in XXXX, XX/XX/XXXX, I filed a claim on the radio from which BOA said the claim was being reviewed and I would invetigate the situation and I would be issued a check within 90 days. Insteaad of a check they closed my account and would act as If I never made the transaction for {$530.00} on XX/XX/XXXX on account XXXX. I had gave up on the situation because BOA would make it as If I was in the wrong but I never was refunded for this radio that I sent back, and I would like to be refunded for this whole ordeal because everytime I bring it up the reps act Is if the transaction did not happen. But I am still out of {$530.00} that they would put in a claim to try to sabotage my time limit for a claim just as they are doing with my current current claims they keep sending them back and they state that the I put gave them the wrong info on the claim but it is the correct info, but the reps are obviously inputing them in the system wrong ... ... and their supervisors are so rude and overtalk and dont listen because I have faxxed them info pertaining to both claim yet they still will not utilize the info that I sent them, so I can get whats rightfullly mine ... .Please resinste my claims and stop denying them and ask me for the info if You need assistance..should be one for all items were sent back but I was never refunded account # XXXX {$530.00} claim # 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 monetary relief
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint against Transunion for its repeated violations of the Fair Credit Reporting Act ( FCRA ) concerning my XXXX XXXX Account ( XXXX ). Despite multiple attempts to address and rectify reporting errors, Transunion has consistently failed to adhere to the FCRA, thereby compromising my rights as a consumer. 

On numerous occasions, I have contacted Transunion to dispute discrepancies in my credit report and to exercise my rights under the FCRA. Specifically, I have submitted a method of verification letter via certified mail, as prescribed by the FCRA. Regrettably, Transunion has failed to respond adequately, neglecting its obligation to provide a thorough method of verification. 

Attached herewith is my credit report, which clearly illustrates multiple errors associated with my XXXX XXXX Account. These errors have been brought to Transunion 's attention through a certified request for investigation. However, instead of conducting a diligent examination, Transunion has responded with a generic " verified as accurate '' letter, overlooking the specific discrepancies reported and violating my right to a fair and accurate credit report. 

I would like to commend XXXX and XXXX for their responsible handling of similar disputes, resulting in the removal of the disputed account, as evidenced by the attached documentation. Unfortunately, Transunion has not exhibited the same commitment to conducting a comprehensive investigation, perpetuating a persistent error in my credit report. 

I request the Consumer Financial Protection Bureau to investigate this matter and take appropriate actions to ensure Transunion 's compliance with the FCRA. Your intervention is crucial in rectifying these violations and safeguarding the rights of consumers. 

Thank you for your attention to this matter. I am confident that your involvement will lead to a fair resolution

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 2023-04-14
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2023 I received a letter from a debt collection company. The name of the organization is Radius Global Solutions LLC. This is my response. I have attached a letter of NOTICE AND DEMAND TO VALIDATE DEBT CLAIM. This is my response. Please answer all questions and validate this debt claim.

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 2021-08-05
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ally bank says that only primary account holders get monthly statements for accounts. I am a co-holder on a joint account and they will not send me the monthly statements.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-29
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Equifax is in violation by allowing and debt collector to place a collection account of an alleged debt on my credit report. Account opened XX/XX/2019 in the amount of {$57.00}. I have sent Equifax multiple certified and notarized dispute letter with no response. Equifax has violated 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. Equifax has been willful noncompliance and in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
Equifax has oppress me by allowing this collection to be on my account stopping me from receiving services and goods. Also harming my reputation by dropping my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06
Company: Experian Information Solutions 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:
On XX/XX/2022 I got a notification from Experian that my bankruptcy dispute was complete. I contacted them via phone to verify their method of validation as it is not being reported except on the Experian, XXXX and XXXX. Which as of yet Experian are the only ones that has responded. 

I contacted Experian via phone, spoke to a representative by the name of XXXX, that was very rude while speaking to me. I asked him about the verification process and he told me that it was validated and he doesn't have to share any information regarding the validation process. I told him that the courts nor XXXX reports to the bureaus and I have my XXXX report with NO Bankruptcy listed. Only to be told after explaining my case and asking for a supervisor that no one was going to change it. I was placed on hold for over an hour then hung upon and have been blocked from speaking to an actual person since.

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 2018-01-03
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
we have this account for more than 1 year but try use my card and decline when talk to agent in the bank told me the bank has that right to close the account any time and dont get me any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX weeks ago, I went into the bank with my mom asking for a bank statement of my frozen account from the fraud account, and XXXX from the Santandar and XXXX, New Jersey, cut and copied and paste to a word document instead of giving me an official bank statement that I asked for And in my profile on my Santander app, it has the ladies address in it in XXXX, Pennsylvania on the account for that bank statement so he chose not to print out the legit statement because it already had that address on it and that is not OK. XXXX dealing with this since XXXX Ive XXXX to borrow money from my family Because of this I want this issue fixed and I want {$10000.00} added to my return for all of this stress and anxiety that they have put me through

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 2023-11-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: In progress
Consumer complaint received 2021-06-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I pay my account in full each month..always have. During XXXX XXXX TX area had power outages, no post office delivery for over a week and bursting pipes at our post office. I did not receive one of the statements, did not realize it until I got the next statement in and found a large fee and interest charge. Attaching the letter I wrote to Commenity ... explains what happened. Their response was a typical form letter that did not explain the interest charges specific to my situation, etc. Last month I paid in full, including the interest charge which I did not agree with,. Just got this months bill ... another interest charge ... this one in addition to the one in the prior month. This is completely wrong. I pay on time ... get the statement in the mail, check goes out the next day. I can not make any headway with these people ... I have been on the phone way too many times and no one is able to rectify this situation. Am attaching the prior statements so you can see what they have charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}

Company response to consumer: Closed with explanation