BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I reviewed my Consumer Reports and noticed that I had One late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( Account # : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

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 2022-10-18
Company: EQUIFAX, 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 submitted letters on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 The required notice of dispute was never entered within the 30 day time frame after multiple attempts - delete these accounts immediately pursuant to section 623. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX continues to furnish inquires on my credit report. Requested written authorization and company failed to comply according to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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: Information belongs to someone else

Complaint:
Per FCRA guidelines, I mailed XXXX XXXX and Transunion the FTC affidavit of identity theft, police report of identity theft, copy of drivers license and a letter identifying the debts opened due to fraud, requesting these accounts be blocked from all credit reports within four business days after receiving my request, per the FCRA : " credit reporting company must block that information from your credit report ''. 

XXXX XXXX XXXX have followed FCRA guidelines and updated my reports within 4 days of receipt of the above information. 

My complaint is with Transunion, they've failed to block the debts incurred by identity theft. I called and spoke with them because I kept receiving errors trying to pull my updated reports to verify these debts were blocked, while speaking to them they confirmed they received my mailed documentation and that they would not be blocking the debts since they treated my correspondence as a dispute. I explained to the agent this is not a dispute, I followed FCRA guidelines by submitting the documentation to have all debts blocked, they responded that they had 30 days to make any updates.

I feel Transunion is discriminating against me due to my gender and race while violating FCRA I request they block said debts asap as the other two reporting agencies have done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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: Account information incorrect

Complaint:
XXXX XXXX XXXX was paid in full for 'A pay to Delete ' collection XX/XX/23. As of yet they have fail to delete and instead have update my account as balance due 3 different times with 3 different balances. I have called them every month since XXXX to resolve the account. Ive also file a dispute XXXX 2023 with TransUnion and XXXX and both reported back as Dispute resolved by grantor! The information continues to be incorrect and with a new balance instead of a XXXX balance/deleted account as agreed. I turn to you CFPB now because at this point the only other help I can seek is with an attorney. This is an easy fix.

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 2022-05-25
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:
FCRA violations : inquires not mine XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, TX XXXX FCRA violations XXXX accounts not mine XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1100.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$800.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$850.00} Status Collection account. {$850.00}

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 2019-12-17
Company: TCF NATIONAL BANK
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check, via mobile deposit, for {$120.00}. The deposit was accepted, no issues. The amount was later posted successfully to the account. I retained the check for two months before shredding. The TCF Digital Banking Agreement states that you must retain the check for either thirty days ( which I did ) OR until the funds post to your account ( which I did ). I met both criteria.

Three months after the deposit date I received a letter in the mail from TCF, stating that there was an issue with the check image and therefore the {$120.00} had been removed from the account. This was the first and only communication from TCF regarding this issue. I have called TCF multiple times and visited a branch in-person multiple times, and no one has resolved this. I had a TCF branch employee submit a formal complaint via TCF 's internal system, and was told that TCF would be required to call me regarding the complaint. TCF never called. The only " solution '' that TCF proposes, is to " redeposit the check. '' As I no longer have the check to redeposit, my not-for-profit volunteer organization is simply out the {$120.00}.

As outlined above, I followed the TCF Digital Banking Agreement regarding how long to retain the check. TCF is in violation of their own Agreement, and accordingly this incident is properly characterized as theft.

-- -- Separate Incident/Complaint -- -- I received a new debit card in the mail from TCF, at my home address. However,  the debit card was issued to a different person ( " XXXX '' ). XXXX was the previous treasurer of said not-for-profit volunteer, and I am the current treasurer. Over two years ago, XXXX, myself, and the club 's president went in-person to TCF bank ( the XXXX, WI location ), filled out the necessary paperwork to have XXXX removed from the two TCF bank accounts, and were told by the TCF banker that XXXX would be properly removed. When I brought in the newly-issued debit card to a TCF location, I was informed that XXXX was still on both of the club accounts. I was also read a list, by the banker, of people on the TCF accounts : myself ( XXXX ), XXXX, and XXXX. 

On XX/XX/2019 I was told by a different TCF banker that one of the accounts had yet ANOTHER person listed as an authorized user : XXXX. Again, we were not aware until that moment, that TWO individuals were improperly listed as authorized users. It is completely unacceptable to have a bank unreliably remove users from accounts. What happened to the paperwork we filled out and submitted? What employee failed to do their job? What process went wrong?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, 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:
Since XX/XX/XXXX, I've been trying to apply for apartments, and loans and getting denied. Unsure why, I went to check my credit reports from all three credit bureaus. XXXX said that my score was XXXX when it was really XXXX, Equifax claimed that my credit was 'young ' even though my oldest student dated from XXXX, and XXXX showed my name and old addresses and a social security number that isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-12-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the chase total checking account at XX/XX/2019 on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I clicked the Open an account button and applied for the total checking account. It shows that the coupon code automatically applied. And I will get {$300.00} bonus if I make a direct deposit within 60 days. Thus, I made a direct deposit at XX/XX/2019, but I do not receive the bonus yet. I have contacted the Chase at XX/XX/2019, they tell me that I do not apply coupon code on my account. However, when I open the account, it shows that the coupon code automatically applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-18
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Between XXXX - XXXX I acquired long-term installments loans concurrently with the following companies : Check N Go, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX. 

I struggled to pay the installments for each of these loans and have reached the conclusion that these businesses did not adhere to the laws 1041.5 ( Ability-to-repay determination required ) and 1041.4 ( Identification of unfair and abusive practice ). 

In regard to Check N Go, on some occasions I was allowed to make a partial payment toward my existing installment loan in order to apply for a greater loan. This may fall under the definition of " rollover '', in which is prohibited in California. 

Additionally, XXXX XXXX allowed me to obtain a Payday Loan and Installment Loan at the same time. 

During this horrific period, I was robbing Peter to pay Paul and consequently was stressed beyond belief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with PennyMac was paid in full on XX/XX/19. The mortgage still shows on my credit report and needs to be removed right away. PennyMac has failed to report to payoff to the credit bureaus timely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting inaccurate Bankruptcies on my credit report i have requested an investigation and they are refusing saying it was previously disputed if its in accurate its inaccurate I've received a copy of my report from the source they claimed to have verified it from doesn't reflect any bankruptcy being reported

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, My name is XXXX XXXX and for the statement closing date of XX/XX/XXXXthere was a balance of {$120.00} on my XXXX account for which I was charged a late fee of {$27.00} because I made the payment on XX/XX/XXXX the payment due date was XX/XX/XXXX. 

Now the problem here is that I tried making payment online and was unable to do because my online XXXX account does not get linked with the credit card. I have complained about it to the XXXX technical team and they had assured me multiple times that this problem will be resolved but apparently this has not been resolved. I am unable to make the payment online. So for everytime I make a purchase for the payment I have to call XXXX 's customer service. I was out of US for close to 4 weeks from XX/XX/XXXX to XX/XX/XXXX and hence I could not call customer service of XXXX. I called the customer service today and they waived the late fee by {$14.00} because they had already waived the late fee in XX/XX/XXXX for the same reason. 

My point is I should be able to make a payment online without any issue. Why should I pay for the mistake by the XXXX technical team? 

Kindly help in this regard. 

Thanks, 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 2022-08-26
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00}

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 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I missed a payment ; I was told to pay {$90.00} late fee smh. I did and them i was hot with {$150.00} late fee and it kept going up. I asked how ND WHY ARE THE FEES so high. And why if I paid the late fee, am I still be hit with enormous fees. I did not get an answer. Most companies charge $ XXXX {$35.00} late fee. Not {$100.00} and up.

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 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2023-08-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 filed disputes with this credit bureau to receive the same relief that millions of other Americans are receiving during this pandemic. For some reason, I was not given this same benefit. I would like to know why I am being discriminated against. 

I am in a debt management program. Covid has greatly reduced my income making these payments to this program ( and subsequently my payments to the creditors ) more difficult. I reached out to this bureau to have the statuses of those accounts in this program updated to " affected by natural disaster ''. The accounts were NOT updated. 

The pressure on my income and my family is the same as every other family during this crisis. I believe that I should receive the same relief as they do. 

I would like the statuses on the following companies updated to read : " Affected by Natural Disaster '' 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