BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
There are multiple errors in the listing that are damaging to me including balance, payment HISTORY, terms, date open, and date of last payment. Please update for lawful accuracy.

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 2021-12-04
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} CONCORDIABK XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX Balance {$710.00} XXXX XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX XXXX XXXX XXXX Balance {$440.00}

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 2021-09-03
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
I reviewed my credit report. I have an auto loan reporting from Santander a loan I never opened nor applied for. The applicant apparently lives at an address I also have never lived at. I sent this information to all the credit reporting agencies that are reporting this incorrect information so as to have it removed. I also notified the lender in question that the loan being reported on my credit report is not mine as I have never applied for a loan with Santander nor purchased a vehicle from the dealer of record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union is ignoring my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.

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 2018-01-22
Company: EQUIFAX, 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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. ) BACK IN XX/XX/XXXX WHEN I STARTED MY FIRST PAYMENTS WITH CROSS COUNTRY MORTGAGE I BEGAN ADVANCE PAYING AHEAD 3-4 MONTHS AND MY MONTHLY STATEMENTS NEVER REFLECTED THOSE PAYMENTS. I CALLED TWO MONTHS IN A ROW AND SENT A CERT LETTER COMPLAING ABOUT NOT HAVING PROPER ACCOUNTING. THEN FINALLY GET THE STATEMENT dated XX/XX/XXXXSHOWING THE CORRECTIONS for advanced payments thru XX/XX/XXXX., BUT NOW RECEIVED A LETTER DATED XX/XX/XXXX SAYING THEY NEED AN ADDITIONAL 15 DAyS TO RESOLVE THESE ISSUES. they just demonstrate they dont know what they are doing 2. ) THEN ON XX/XX/XXXX I GET NOTICE THAT BECAUSE OF THE SIGNIFICANT INCREASE IN MY HOME OWNERS INS. THE ARE REQUIRING AN ESCROW INCREASING MY MO.MORTGAGE FROM {$2500.00} TO $ XXXX..COMPLETELY IGORING MY CONTRCT SPECIFIES NO ESCROW FOR TAXES OR INS...

THEIR PROJECTION FOR MY INS. INCREASE IS EVEN FALSE, SHOWING COST TO GO FROM {$2000.00} TO {$2600.00}. THE FACT IS MY INS WENT DOWN TO XXXX.. EITHER THIS MORTGAGE CO IS TOTLLY INEPT OR THEY ARE UNEHICAL..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bank of America About ten years ago i had an account with Bank of America, but their fees were so high I cancelled after two months. I had a safe deposit box which i cancelled as well, but three years ago i got a bill for {$75.00} which was I thought resolved and they closed it with no charge.

But today I received a letter saying to return keys and pay XXXX I have no keys and this was supposed to have been resolved three years ago.. I want to know why all of a sudden i get a bill?

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 2018-07-24
Company: Commonwealth Financial Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX , to XXXX this company place a debt on my credit report which after disputing it with the credit bureau , it was deleted off my report in XX/XX/XXXX ... then as of XX/XX/2018 after checking my report, they sold the debt without accurate information to a company called Commonwealth Financials, using a different acct # XXXX, with an incorrect open date of XX/XX/2018 and they reported it on XX/XX/2018. Commonwealth Financial address is XXXX XXXX XXXX, XXXX city, pa XXXX ... I think it not fair the way debt collectors be buying debt from other companies without even verifying if the information is valid. I am asking you to stop these companies from falsely adding debt to consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
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:
This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. 

I have a loan with XXXX. I have always made my payments on time yet there was a XXXXday late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

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 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX was given a opportunity to present verification of a debt that they were trying to collect on they were unable to provide the information that was asked for under the Fair Credit Act to validate this debt. They have been given numerous opportunities. Therefore i filed a complaint with cfpb their response was they basically have no rights to the information that was asked for and basically they 're not able to provide the info because they dont have it to give to me so therefore they should not be collecting on this debt if they can not provide the information and this needs to come off my credit because of the Fair Credit act that they were not able to validate this debt is 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 explanation
Consumer complaint received 2021-12-04
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: Public record information inaccurate

Complaint:
I have wrote and sent letters to Transunion credit reporting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have a public bankruptcy removed that was dismissed back XXXX went to the XXXX XXXXXXXX XXXX  received certified letter stating they are not reporting the dismissed bankruptcy to any credit bureaus because no money is owed on the dismissed bankrupt and I sent letter to Transunion on 4 separate occasions and I keep getting letters stating they have verified the bankruptcy and I went back to the court which provided me with another letter stating that is incorrect because they did not validate any bankruptcy with Transunion. And they still have not removed the incorrect public record from my 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 2018-01-22
Company: Total Card, Inc.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit card / Identity theft / Fraud / Embezzlement / I have been a victim of fraud and Identity theft. I have reported it to credit bureaus about this and they have went to every extreme to notify this company that I was a victim of identify theft and fraud. I have missed 3 days of work to go above and beyond what this company is wanting. The company is Total Card Inc. at XXXX XXXX XXXX XXXX XXXX, SD. also contacted the company stating that this not my account and sent in an affidavit stating it is not mine. I have sent a passport, proof of address, birth certificate, license and have had to get these items notarized and filed a police report and had to go down and have it re done because they did not approve it.. They are now stating they do n't have my social security card. I lost it in high school so I went down to the ss office and waited for 6 hours and my name was still not called and once again had to take off work. Now they tell me I have 10 days to pay or my case is closed and I am responsible for the charges. I cant keep missing work for this XXXX debt that is clearly not mine and I have exhausted all efforts to prove this. I have never opened a credit card with these people at all. They have to stop this. The criminal who opened the card did n't even have to go through all of this. They opened up a card on my social only. They did n't even verify an address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: JPMORGAN CHASE & CO.
State: MI
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:
I had 3 cards with Chase, one of them was a Chase Freedom Unlimited, which I had not used in over a year because I had other cards, which I 'd received afterwards, which had better benefits. I called them to find out what they recommend, to replace this card, and Chase recommended the Chase Freedom card so I asked the person to cancel the current Unlimited card and send the Freedom card. They did but before I had a chance to confirm I received it ( authorize it on the chase site ), they cancelled it, the Chase XXXX and Chase XXXX card for " too many inquiries on my credit report, in 2017 ''. They have not contacted me to tell me this, I called them when I tried to use my XXXX card for a {$3.00} purchase, on XXXX, and it was denied. Both " fraud '' people I 've spoken to agree that I have never missed a payment, in the over 20 years I 've had various Chase cards, nor been late, they just chose to do this because " i was a threat to the bank '' ( their words, not mine ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: WELLS FARGO & COMPANY
State: TX
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:
Well Fargo XXXX closed my account ending in XXXX and unable to reopen it with a zero balance I would like for this store reopen with a {$1000.00} credit limit .. company refused to reopen it

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 2021-12-04
Company: EQUIFAX, INC.
State: OR
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:
These agencies include Equifax, XXXX, and XXXX. my wife and I are victim 's of fraud this is been on going still we have filed complaints to your office as well as the were the debit took place, your office keep passing this back to Equifax, XXXX, and XXXX they keep tell me I never showed a police reports I have sent them and your office has showed them also, we have make complaints with FHA, as well as Hud from their own website up loading the info we spent money using their owe sites and they wont take the info, provided, please see the enclosed info. I have also called your XXXX XXXX XXXX IM XXXX and a member of XXXX XXXX, we have been discrimination on the basis of familial status and gender because no one fixed the credit I was force this humiliation of this, and split of my children between homes, this has caused my health problems as well not having the credit my teeth damage I need dentures. we lost out on homes and lender who cant lend to. our info with Equifax, XXXX, and XXXX is crossed wrong, multiple files with mine and my wife. info

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
After 22 years of membership with American Express, suddenly for the last 3 months it looks like my payments made every XXXX of the month are not being properly credited, and when they recently called, the request was simply made for a printout of payments versus charges for that last 3 months. Not received, they want you to utilize their normal online billing statements which when you pay do not even show the last payments. How hard can it be for XXXX XXXX to make their billing and payments clear to the customer, and to email a simple charge for this month and paying for this month accounting by email. 
XXXX XXXX XXXX Further in the attached jpeg of dispute against XXXX XXXX, XXXX XXXX gives an expected date of resolution as XX/XX/XXXX, that is too slow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Experian Information Solutions Inc.
State: AL
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 lived at address XXXX XXXX XXXX. I have never been evicted from this property. I have never leased a property from XXXX. 
I have never lived at XXXX XXXX XXXX. This is a fraudulent address.i have never leased a property from XXXX XXXX. There are several incorrect names on report. I have never been known as any other names except XXXX XXXX XXXX. Please remove all addresses and names not belonging to me. 
I have never lived at XXXX XXXX XXXX XXXX . I have never rented from midtown properties. This is not my account. 
I have never had an account with XXXX XXXX XXXX XXXX. This is a fraudulent 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 2018-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I used two credit cards of Bank of America to pay for a product belonging to " XXXX   Mastermind company ''. After the payment to this company I was supposed to receive a service, which they didn't provide it ( which this company has done this to many people, they are fraud and scam, which everybody including me has filed a complaint to FTC which you can see the complaint here in this link http : XXXX ) therefore ; I contacted the BOA and asked for dispute and I provide them with plenty and needed documents. The BOA did not do anything about it and they just say that because the contract says it is " nonrefundable '' they can not do any thing about it. I used other credit cards for the same issue, like XXXX and XXXX the accepted my reason and they really worked on it and they resolved it. 
the amount is {$5200.00} on card ending in XXXX and {$5000.00} on card ending in 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 2019-07-16
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:
The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. XXXX card XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019. XXXX did not seek my approval prior to doing a credit check when I called to inquire about my recent application. going forward, these unauthorized credit inquiries will make me appear to be a desperate consumer and will make me completely ineligible to be extended credit. Furthermore, recent inquiries will cause a significant drop in my credit score that will be almost impossible to recover from in the near future.

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 2022-08-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. Thank 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 2020-05-06
Company: ALLIANT CREDIT UNION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven`t received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: NY
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 XXXX F I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation