BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Cascade CISS Holdings, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
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. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received 2 alerts this morning ( XX/XX/2023 ) from XXXX and XXXX that my credit score dropped, checked on both apps and found my Transunion score only dropped from XXXX to XXXX for no apparent reason. I immediately called TransUnion to find out why, I spoke with XXXX at XXXX and she said my report isn't available to her for some reason. She stated I must call the consumer relations team @ XXXX. I called and spoke with XXXX @ XXXX, and explained to XXXX my score dropped by XXXX points for unknown reasons. She verified my zip code and social security number, pulled up my report and stated there are no derogatory actions on my credit report. Therefore, she couldn't conclude why my score dropped. She informed me she'd have to escalate my complaint to the special handling team and someone from that team would contact me within 3 business days. My XXXX and XXXX scores remains at XXXX and XXXX respectively.

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 2021-07-30
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
It appears my mortgage company was bought out by another and now my mortgage has went up XXXX dollars a month and nothing to explain it sounds like a scam to me. Loan care was XXXX something fishy going on here I would advise nobody use this company and if you are RUN

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 2022-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A Capital One Walmart card was fraudulently opened without my knowing on XX/XX/2022. This credit card account has negatively affected my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
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:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts reporting late payment history

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 2020-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Today XX/XX/XXXX I had a payment of {$4000.00} due which i initiated online at XXXX. Capital one has an arbitrary cut of of XXXX after which payments made on that day are no longer applied to that day but the next and they are proceeding to not only charge me a late fee but tabulate interest in the balance and charge me that too. I submitted the payment with over 3 hours left in the day and have been told 'there is nothing they can do ( but charge me interest and late fees ) ' even though i submitted the payment on the day it was due, 3 hours before the end of the calendar day. The day ends at XXXX XXXX  and the law should not allow them to change the end of day arbitrarily to a time to allow them to collect more fees from consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: MO
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2022-10-20
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 status incorrect

Complaint:
Thsi company keeps showing 30 days late payment and it was paid off in full. Account was supposed to be in good standing no late payments. 

This is innacurate info that is affecting my credit.

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 2021-11-19
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX  refi my mortgage XXXX  times and failed to disclosed there was a lien on my property. Consulted with friend that are attorneys they stated XXXX XXXX could be responsible for predatory lending. Furthermore they used XXXX XXXX, which failed to disclosed or missed the lien on the property

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: MI
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 my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Experian Information Solutions Inc.
State: WA
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:
one XXXX  fraud account was opened under my name, this accounts was placed back on experian credit reporting agency, this is not correct reporting, this is fraud opened without my knowledge, i have disputed and was removed from all three bureaus, but experian is not cooperating and placed back again under my name, my whole life has been changed because of this, all my credit cards have been closed due to this inaccuracy they think this is mine and have screwed my life. 
please help, as a consumer i need your help to defend myself against these bureaus, i will be attaching my police report, please have this under you consideration appreciate

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 2022-10-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check on XX/XX/2022 for XXXX dollars into my Chase checking account. The check was returned on XX/XX/2022 and I was charged a {$12.00} fee from Chase for depositing the check that was returned due to no fault of my own. Then they advised that I seek to recover the fee from the person that wrote the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2021-11-19
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Macy XXXX violated my consumer rights by reporting a closed account with no permissible purpose.

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 2021-11-19
Company: Caliber Home Loans, Inc.
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I entered into and signed an agreement for a COVID Loan forbearance program with Caliber Home loans. On XX/XX/XXXX, Caliber Home loans marked me late for EVERY month I was in forbearance. Each of the three major credit reporting agencies now show 's me late and not paying for over 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been on a repayment program with Wells Fargo since XXXX 2015. Set up my first payment of {$200000.00} on XXXX XXXX, then XXXX XXXX, XXXX XXXX, and then called today to set up a payment on XXXX XXXX. I was told by the representative that I was breaking the program rules by setting up the payment so late, I advised her I have been on this program since XXXX and this is the first time I have been told that. The account manager would talk over me and kept saying I needed to set it up on XX/XX/XXXX and that I just could n't call in when I felt like it and set up a payment. I asked them to escalate the call and finally set up a payment with XXXX and opened up a case with them advising her I am tired of everytime I call in the rules to this program seem to change.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: EQUIFAX, INC.
State: WA
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:
Conformation # XXXX I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of FCRA-they are required to " promptly delete all information which can not be verified '' that i have disputed. please resolve this manner as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 
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 2018-08-05
Company: SYNCHRONY FINANCIAL
State: WA
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 account isnt mine. I tried to communicate with them but is almost impossible. Is an authorized user and is damaging my credit score.

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 2023-11-03
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'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 2021-11-19
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Enhanced Recovery Company LLC at XXXX XXXX XXXX XXXX, FLXXXX Has been sending me collection notices in the amount of {$2500.00}. The collection has been reported as a past due balance. I dont know this company. I have never done business with this company. This company does not have contact with my signature. 

I have not supplied no proof under the doctrine by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX, I presume that no proof alleged debt, nor therefore any such debt, in fact exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: JPMORGAN CHASE & CO.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX CLAIM ID : XXXX XX/XX/2019 ADDENDUM OF SUPPORT On XX/XX/2019 Ive managed to purchase a headwear at XXXX XXXX shop for the amount of {$150.00}. However, after a single wear I wasnt satisfied with a material, which has been used in that specific item altogether with the whole quality of the headwear. 

Ive addressed my concern to XXXX XXXX Customer support over the phone and vocalized my intention to return the item. Due to that, I have been addressed to the XXXX XXXX Return and Refund policy ( copy of it attached in PDF ). Ive followed the steps of the Return policy and managed to return the original item with XXXX Ground via XXXX to XXXX XXXX, NC. The package had been delivered to XXXX XXXX, NC on XX/XX/2019 ( copy of it attached in PDF ). 

Nevertheless, Ive returned the item back to XXXX XXXX facility, I havent received a credit back to my XXXX account, so Ive filed a dispute for the amount of {$150.00}. 

On XX/XX/2019 Ive been contacted by person, who introduced himself as XXXX, representative of Chase Card Services Department. That person addressed to my concern, that merchant is rebutting the dispute and quote claiming that the sale was final due to the fact that the item has been considered to be vintage and buyer had signed for that end of quote. 
Considering that data, I have to state : a ) Ive never consented to NO RETURN policy during the purchase, nor it has been publicly disclosed, additionally none of XXXX XXXX website information claims such thing ( copy of it attached in PDF ), b ) None of XXXX XXXX Return and Refund Policy mentions such category as Vintage ( copy of it attached in PDF ), c ) The visual fragment, which representative XXXX claims to call mine is false the only signature I use is visually different and copy of it could be found below this addendum. 
d ) XXXX XXXX violates my rights under Public Law 93-495, Section 166 15 USC 1666e. 
e ) XXXX XXXX conspires to commit a fraud by 1 ) falsifying my signature and claiming to be mine, 2 ) doctoring the receipts with something, not even mentioned on their website. As a matter of fact, such business activities already had been reported by me to FTC ( copy of a report attached ) and NYS AG Office.

[ End of page 1 ] Therefore, considering everything mentioned above, Im kindly requesting CFPB to inform Chase Card Services, that Im requesting to debit my XXXX account for the amount of {$150.00}, due to the fact, that Ive returned the item back to the merchant within shops return policy and never been reimbursed. 


I have retained a copy of this letter for my personal files. 



Regards, XXXX XXXX XXXX [ End of page 2 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The TransUnion and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX : {$510.00}

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