BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

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 2020-04-25
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 belongs to someone else

Complaint:
These are not my accounts.

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 2020-04-25
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ive been using an app called XXXX. XXXX now has a error message stating that customers with pnc can no longer link there accounts. I hate to have to change banks after so many years. Please have this fixed in order for people to continue using app when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: E*TRADE BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account with EtradeXXXX XXXX XXXX bank . 2 weeks ago my account was closed without warning. I have asked repeatedly for wire instructions on how to get these funds with nobody able to assist me. This is my only money and is used for my kids ' medical bills and household expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Supreme Lending
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 XXXX  XXXX/XXXX  XXXX made an unauthorized credit inquiry. I reached out to the mortgage lender and nobody is taking responsibility. 

I am in the process of getting a home mortgage with another lender and this is affecting my credit score as well as underwriting with my lender to close my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This is about a security alert on my consumer report. I want this removed because it has caused credit problems. I was refused a credit line which I clicked on a wrong button I only wanted a credit account which is how I found out about this. This was on line through pay pal. They sent me a letter refusing because of this security report. They said they tried to call me but I get so many useless consumer advertising calls I probably missed it if they called. this happened about a month ago I cant find the letter. the thing is I amXXXXyr. Old and I read this stays until 2027 which is unacceptable. I have a good credit rating and am debt free and my credit union which is my only banking institution I use knows nothing about this. I dont know what institution or co. Did this but I want it off. I never requested any of this. I hope you can help as I could die before 7yr. Are up this is ridiculous. Thank you XXXX. m y address is XXXX XXXX XXXX XXXX  XXXX va. 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 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX # XXXX is reporting a balance on my credit report. This account has been paid and the balance should be {$0.00}

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 explanation
Consumer complaint received 2019-02-12
Company: Experian Information Solutions Inc.
State: VA
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:
Experian notified me via email that my dispute was open, however, I was not immediately able to access the dispute and further there is consideration that all three credit report ( s ) are being dispute with knowledge that I have not been able to fully view XXXX Credit Report and the sites only allow limited space to refute information and/or allow a blanket statement. Therefore, I am attaching my full statement as it pertains to the dispute on my credit report ( s ), et al. in addition to my past credit reports that have already been submitted.

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 2022-03-31
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Beginning of XX/XX/2022 I had to renew my income based payment plan with Navient and XXXX XXXX. Both have been on the Covid deferment issued by the President. Once Navient approved my renewal and gave me my payment amount, I then received a statement with payment amount and due date and that I was currently a month behind. I received this information by email attached photos below on XX/XX/2022. Once I read the email, I then preceded to contact Navient about the payments being deferred by the President for Covid and Navient replied these loans do not qualify for that. Granted my payments are only {$13.00}, but how do you go from them being deferred to not being eligible just cause you updated the XXXX?? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 been contacting all three credit bureaus of unverified Bankruptcies account that is listed on my account. Every time I dispute, the credit bureaus are violating the FCRA Section 611 ( a ) for failure to investigate a dispute within 30 days. I also havent received any documents stating that this Bankruptcy is indeed mine which is another FCRA violation section 609. I have went out of my way and contacted the court house where this bankruptcy is placed at and they said that they do not communicate or share information with 3rd party companies. I have attached a letter from the courthouse as proof. All I get is this account is verified. How is that so? This account was not properly investigated and I demand this account be removed from my credit report or I am forced to seek litigation to recover for my losses from this situation which is holding up my way of living.

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 2017-10-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We sold our Home XXXX XXXX XXXX  XXXX on XXXX NY. We closed on XXXX XXXX 2017. We had an outstanding balance of $XXXX with a wells Fargo mortgage and the title company sent that amount in a XXXX XXXX XXXX check and someone at the correct address for payoff signed for the check. Wells Fargo claims that they received the check but cannot find it and asked XXXX XXXX to cancel. XXXX; XXXX cannot reissue a new check for 90 days.This presents multiple issues;1- We still have this showing on our credit report preventing us from buying a new house2- The house still has a lien and there are new folks living there3- Wells Fargo has held our escrow balance of $XXXX and are subtracting $XXXX to buy an insurance policy on a house that we do not own anymore.I have gone up the chain at Wells Fargo and all they can do is apologize, i have also had our XXXX follow up and same result.I am livid and want to have them deal internally with this problem and resolve on our end.Thank-youXXXX XXXX XXXX XXXXXXXX

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 2021-05-13
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Ive contacted Chase today because I wanted to reopen a checking account with them after what had happened last year admist COVID19. Last year, there was a bad/fradulent check deposited into my account and Chase decided to end their relationship with me permanently even after Ive explained to them that I was a victim of fraud. I was a very loyal customer and I really need to bank with Chase again, and I am hoping to ask for a reconsideration on my case because the incident was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
THIS IS THE SECOND TIME I FILING A COMPLAINT WITH CFPB WITH THIS CREDITOR. TRANSUNION CREDIT REPORT IS DOING A TERRIBLE JOB WITH THIS CREDITOR. THE CREDITOR NAME IS CHILD SUPPORT. THE LAST 3 MONTHS IT KEEPS OPENING AND CLOSING THE ACCOUNT WHEN CLEARLY ON XXXX ITS SHOWS THE ACCOUNT IS CLOSED. I AM TIRED OF THIS PROBLEM AND IF IT CAN NOT BE FIXED PLEASE DELETE THIS FROM CREDIT REPORT OR I WILL TAKE LEGAL ACTION. I WILL SUBMIT ALL MY PROOF WITH THIS COMPLAINT. I WANT EVERYONE TO KNOW THESE CREDIT REPORTING BUREAUS DO NOT CARE ABOUT YOUR RIGHTS.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: EQUIFAX, INC.
State: MS
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, EQUIFAX AND XXXX  IS REPORTING A BANKRUPTCY ON MY CREDIT REPORT. ACCORDING TO THESE BUREAUS, THEIR INFORMATION CAME FROM XXXX XXXX. I HAVE A LETTER ENCLOSED THAT XXXX XXXX COULD NOT VERIFY THE ACCURACY OF THE REPORTING IN THE BANKRUPTCY LISTED ON MY CREDIT REPORTS. I HAVE ATTACHED XXXX XXXX LETTER SAYING THEY COULD NOT VERIFY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Experian Information Solutions Inc.
State: TN
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 tried to reach out to all three credit bureaus regarding a public record that is reporting on my credit report that should not be reporting but have yet to get any results. As of XXXX XXXX, 2017 public records including bankruptcy and judgements. I have sent XXXX, XXXX and Experian a letter from bankruptcy courts stating do they do not report bankruptcy along with a copy of the new law.

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 2021-05-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 6 accounts and 1 inquiry on my credit report that do not belong to me I have not signed used or received any goods or services from these accounts they look foreign to me I need these off my credit report since I have been disputing these since XX/XX/XXXX I am sick and tired of filling out forms and ftc and identity theft reports for these I need help please these items are not mine in any way shape or form!!! 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX - XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Atlanticus Services Corporation
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:
I entered into the Fortiva credit protection program which pays the minimum balance due for 6 months. Fortiva paid my minimum monthly bill, but reported to the credit bureaus that my account was past due, and it affected my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-27
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I call Barclaycard XXXX XXXX after XXXX  XXXX, and ask for a extension on my mountly payment last XXXX, now I got the statement and they charge me late fee XXXX}, when they toll me you do n't have to make a payment until XXXX. So now I have to make a payment for XXXX and that include the amount due in XXXX, XXXX late fee and XXXX due amouth. That 's Not fair for me that 's why I making this complaint.

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 2020-12-18
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:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citibank/Sears card had about {$8000.00}. in fraudulent charges. Citi/Sears has yet to update XXXX that the fraudulent charges were removed from the account balance due.

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 2019-09-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/19 I received an email of a balance transfer in the amount of {$20000.00} on my credit cart, On XX/XX/19 I called card company and reported that said charge/balance transfer was not correct and blocked use of said card, was told I have a response in 3 days XX/XX/19. Called again, no action had been taken XX/XX/19 - Received email that no Fraudulent Activity found XX/XX/19 - called card company again at XXXX XXXX, requested info as to when and how this transaction was originally initiated and approved/moved forward. To date no info received. 

XX/XX/19. Called card company again and requested same info above XX/XX/19. Called XXXX and put fraud alerts on accounts XX/XX/19. Called card company again - 40 minute call no results XX/XX/19. Sent Certified Mail to card company, no response to date XX/XX/19. Called card company again, was told still being investigated - 26 minute call XX/XX/19. XXXX ( employee # XXXX ) from card company called about collecting debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2021-11-09
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquirY reporting on my Credit Report : 1. XXXX Inquiry Date XX/XX/2021 ;

Company response to consumer: Closed with explanation