BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I disputed the opened XXXX XXXX XXXX account that was opened on my Transunion report. I provided credit card receipt showing the original charge was paid on credit card. I disputed the account and Transunion did not remove the account as I asked.

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 2023-07-25
Company: EQUIFAX, 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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: REGIONS FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
{$4500.00} in fraudulent transactions on debit card ending in XXXX occurred, which is representative of Regions Banks reputation for allowing fraud to occur then resolving the situation afterwards. Much undue stress on the client with no temporary credit and probably the maximum 10 business days to resolve to the clients satisfaction.

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 2022-04-01
Company: EQUIFAX, 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:
I am victim of identity theft there are items on my credit report that I need to get deleted so I can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 very concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Transunion failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 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 2019-08-12
Company: RoundPoint Mortgage Servicing LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I closed on my current home XX/XX/2018 with an FHA mortgage through XXXX XXXX XXXX XXXX. At closing, I paid {$3700.00} to the Federal Housing Administration. My mortgage was bought by Roundpoint Mortgage Servicing shortly after closing. I have been paying {$150.00} towards PMI on each monthly bill since I've owned the home ( Nearly {$6000.00} total ). Fast forward to now, I just tried to refinance my FHA mortgage to take advantage of the lower rates ( also through XXXX XXXX, but XXXX XXXX XXXX XXXX was bought by XXXX ). I was unable to refinance for the reason that my FHA loan was never endorsed. I called Roundpoint numerous times, I submitted emails explaining the problem to the emails that they told me to contact ( XXXX and XXXX ). They also told me to contact XXXX XXXX/XXXX who they said they bought the loan from ( I had no idea/was never notified that they ever serviced my loan ... never paid a bill to them ). I contacted them, and they just put a note on my account to back date my PMI. 1 ) that's illegal. 2 ) I still can not refinance my mortgage because it's still not endorsed. So I'm basically being held hostage with these interest rates until I pay off my mortgage completely unless someone does what they were supposed to and gets my loan endorsed. Besides that, where did all that money go? If it didnt pay for mortgage insurance for the past year, it certainly should be coming back to me. I get a different person everytime I call and no one is ever able to fix the problem. I have even had my lender ( XXXX XXXX ) on the line with me to help explain. It's impossible to get anyone to understand or fix the problem.

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 2019-08-12
Company: EQUIFAX, INC.
State: CT
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 have been unsuccessfully attempting to get a fraudulent inquiry removed from my credit report for a year. It started in XX/XX/XXXX when I received a letter from XXXX XXXX XXXX XXXX alerting me that a credit card application in my name had been rejected. I had not applied for a credit card, so I immediately called their fraud department to report this. On XX/XX/XXXX, XXXX XXXX XXXX XXXX   sent me two letters, attached. The first thanks me for notifying them about the fraud. The second states that they will request changes to the inquiries on my credit report.

In XX/XX/XXXX, I received my Equifax credit report and discovered that the hard inquiry described above was still on my report. I filed a dispute ( # XXXX  ), which was rejected. I called Equifax  and spoke to XXXX, who told me to call XXXX XXXX XXXX XXXX. I called them at the number provided, but this number did not really work. It got me to a telephone system that demands an account number to proceed. After about 10 minutes of mashing buttons, I managed to speak to XXXX, who refused to remove this inquiry from my report. I spoke to her supervisor, who told me the same thing. I eventually also spoke to XXXX  from the new accounts department in Maryland, who told me that they could not remove the inquiry, but they would set it to non-display status.

I called Equifax in XX/XX/XXXX to see if anything had been changed on my credit report. I learned from XXXX  ( XXXX ) that it had not, so she filed a new dispute ( # XXXX ). On XX/XX/XXXX, this was rejected and I received a letter, attached, stating again that I must call XXXX XXXX XXXX XXXX.

I put a long-term fraud alert on my Equifax account. I obtained a police report and FTC.gov report, for submission to Equifax in a letter. After that point, every time I have called Equifax, they are surprised to see that the item has not been removed. They then proceed to say they are removing it or filing another dispute " sure to remove it this time, '' but which never does. The most recent disputes were filed on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX  ). The response to the latter states again that XXXX XXXX XXXX XXXX says this is factual information so they refuse to remove it. The item is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX incorrectly associated me with a vehicle that is not mine and entered a missed payment of my fathers vehicle ( XXXX XXXX XXXX ) into their system. The missed payment was in XXXX 2018, after I had cancelled my insurance through XXXX XXXX and my father  had cancelled insurance through XXXX XXXX. The Credit Collections for this missed payment of {$100.00} was posted in XXXX 2018 on my credit score. 

I was never notified of this debt, via phone, email, or mail and neither was my father. I just recently found this in reviewing my credit in preparation for buying a house. I have been in contact with XXXX XXXX to remove this from my credit, but I want to ensure that it no longer affects my credit and would like to get this moved forward and removed from my record as quickly as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
in according with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX has avoided my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
in according with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX has avoided my rights

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 2023-07-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
US bank keptv playing games and cheated, the check did not evenly reached my post local office at zip XXXX, enclosed please find the email of post office. 
THey ask me to sign declaration of lose, that is not fact, I did sign one with the fact -- I did not receive the check, they kept asking me to sign and wasted my time. 

They play game and stolen interest from my money. 

Look at other banks, either no need declaration loss or do a good declaration loss ( true form ) example XXXX XXXX XXXX  US bank asked me to sign something that I did not do In fact I didnot receive the check at all. 
US post office confirmed it Also some agents on US bank XXXX calling told they did not mail the check out at all Some agent said they have cancelled the checked If you have cancelled the check or not sent, why need me sign delaration of loss.

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 2023-10-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi. I went to the bank to withdraw money inside of the bank where I am a customer. The ATM never dispersed my money and after filing a claim and calling many many times I was denied. Im being told theres nothing they can do about it. Chase bank stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing this due to non-compliance with the Transunion, XXXX and XXXX They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law The accounts have remained after 4 attempts to contact them. When I call they say they dont get my letters. 

They have not validated anything.

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 2018-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I thought this was a useful credit card, but I was inexperienced. I was seeking to repay this collection. However, I was seeing that you as a goodwill to just remove it. 

Balance {$940.00} Capital One Platinum Card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Upgrade, 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: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX Deposited a {$21000.00} check into our small business account. Unfortunately check was made out wrong. Not to the company exact. Bank manager confirms it should not have been run thru, and we agree should have confirmed how check was written. 
Bank manager reassures us this issue can be corrected. blaming the issue on the check writers banking institution. 
Turns out Chase Bank continues to hold onto these funds. Will not release the check until XX/XX/XXXX. Basically Chase has been holding on to our Customers Funds for over a week now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX. XXXX XXXX XXXX XXXX Account number : XXXX. Remove this account because you are reporting a 90 day late on XX/XX/XXXX with the date of last activity being XX/XX/XXXX while Experian states the date of activity being XX/XX/XXXX Furthermore this vehicle was deemed a total loss by more insurance in XXXX of XXXX and I surrendered the vehicle to insurance the same month. I was not in charge of making the payments from the XXXX forward I have proof that it was totaled As attached XXXX Number : Date of Loss : Insured Name : XXXX XX/XX/XXXX XXXX PM XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Dear XXXX : I am still investigating the above captioned incident. Betore I am able to bring this matter to a conclusion I need the followin. 
Your total loss settlement. 
intend to conclude this matter as soon as dossiole. 
If you have any questions, I can be reached at 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 2022-12-30
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-08-12
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I learned of a balance that was listed on my credit report, this collection balance was reported on XX/XX/XXXX. I had no invoices or calls made to or from XXXX XXXX XXXX in regards to a balance owed for services that were disconnected on XX/XX/XXXX. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX to dispute charges that are reported on my credit report. I informed the representative that answered the call that the balance is incorrect as XXXX XXXX XXXX were in breach of their contract by not providing services in a proper manner in accordance with the terms of our agreement. I was informed that I would be receiving a call from an internal collections agent after the phone call that lasted 31 minutes and 35 seconds. 
On XX/XX/XXXX I received a call at XXXX EST. by an internal collections representative that lasted 1 hour, 12 minutes and 40 seconds. I disputed the balance and the representative informed me that XXXX XXXX XXXX did not record information properly and there is a note that equipment was returned in XX/XX/XXXX. I informed the representative that I did in fact return the equipment in XX/XX/XXXX, not XX/XX/XXXX and I should not have a charge balance in the amount of {$810.00}. There in fact should be no balances due as XXXX XXXX XXXX XXXX XXXX was in breach of their contract. I received no invoices for the balance aforementioned in this letter. This young lady informed me that this was not my fault and she would be taking a personal interest in resolving this matter for me and I should hear back within 7 business days. 
*I received no further calls. * Today, XX/XX/XXXX I returned a call to XXXX XXXX XXXX to attempt to resolve this dispute. This call lasted 1 hour, 28 minutes, and 51 seconds. I spoke with XXXX Employee ID # XXXX and received contradicting information. I asked to speak with a supervisor and was transferred to XXXX Employee ID # XXXX and was greeted with a severe bad attitude in regards to customer service, as well as additional conflicting information the previously informed. 

I also intend on completing a letter in regards to FCRA standards, commonly referred to as a 609 form to dispute this collection record on all of my reports. This balance is incorrect and I should not be held responsible for a balance when all items in regards to XXXX XXXX XXXX were returned as requested, and XXXX XXXX XXXX was in breach of their agreement by not providing services as intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a student secured credit card XX/XX/2019 ( est ). I was rejected, but I continue to receive junkmail soliciting me to apply again. Even after I opted out on the optoutprescreen website and contacting them I still receive snail mail credit card prequalify solicitations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
The credit card company would not. assist me during covid. Now I am being sued by this company. Without any type of help from the company with trying to make arrangements.

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