BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To whom it may concern, I was recently looking at my credit report as I was thinking of making some home improvements. There are a few inquires on my credit report that are 100 % inaccurate and never authorized by me. These are all fraud and were never signed by me. I never signed any documents with any of the following companies and do not know anything about any of this other than wasn't me. Someone tried to steal my identity. According to my XXXX XXXX it says on transunion I tried to apply for premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and on XXXX  also is showing premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and a company XXXX XXXX XX/XX/XXXX. I am also being hit with a late fee from my car dealership. I had spoken to thing months ago when covid happen. I had been a loyal customer for over 10 years. To make a long story short they had said they would remove the late fee due to covid and as curtsy to me for being a trustworthy customer. When I called them today that had nothing in there notes which is one of the reasons I came to you guys to resolve and help fix all this negative stuff.

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 2020-05-29
Company: EQUIFAX, 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 hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2004 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a dispute with XXXX  XX/XX/XXXX about a collection agency ( Commonwealth Financial ) via phone an ask that it be removed from my credit. Commonwealth is reporting a old past-due account on my credit report as if its a new again when the debt was sold. Commonwealth is reporting the account XX/XX/XXXX when the original date is XX/XX/XXXX. Im asking they remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-02
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: Was not notified of investigation status or results

Complaint:
On XXXX I mailed out a dispute to XXXX, TransUnion and XXXX. I included a legible copy of my ID, SS card and proof of my mailing address. I mailed my dispute letters via certified mail and I did receive a confirmation that they were received by TransUnion on XXXX and XXXX  on XXXX. But to date, I have not received any response from TransUnion or XXXX. I would really like to know : 1. What is the status of my disputes received by TransUnion and XXXX? 
2. Why have I not received a response to my disputes?

3. When will I receive a response to my disputes?

4. What recourse do I have since I did not receive a response in a timely manner? 
I know with COVID-19 that there may be some delays, but at this point it has been more than 2 months and I think that I should have received some kind of update by now since I know I am supposed to receive a response within 30 days.

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 2020-11-02
Company: Experian Information Solutions Inc.
State: MI
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've been attempting to dispute a creditor that is negatively reporting on my credit report. I've sent multiple letters to the bureaus as well as directly to the original creditor to no avail. I used the contact information for XXXX XXXX listed on my credit report to contact them and my letter was returned undeliverable. I followed up with the supporting documents and the bureaus are still reporting this negative item on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: EQUIFAX, INC.
State: MI
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've been attempting to dispute a creditor that is negatively reporting on my credit report. I've sent multiple letters to the bureaus as well as directly to the original creditor to no avail. I used the contact information for XXXX XXXX listed on my credit report to contact them and my letter was returned undeliverable. I followed up with the supporting documents and the bureaus are still reporting this negative item on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CORELOGIC INC
State: MA
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:
In authorized hard inquiries on my credit report must be caused from fraudulent activities

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 2020-11-20
Company: STATE EMPLOYEES CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted an online dispute with XXXX XXXX XXXX  regarding a credit card account from State Employee 's Credit Union of North Carolina ( SECU ). The account was discharged on XX/XX/XXXX through Chapter XXXX Bankruptcy ( the petition date for the Bankruptcy proceeding was XX/XX/XXXX ). 

Recently, SECU, inaccurately reported this discharged credit card account as discharged in XX/XX/XXXX. The evidence and facts from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX prove otherwise. I contacted my Bankruptcy attorney. He informed me that SECU has been similar actions in the last month. His advice was to seek consumer debt attorney to possibly sue under violations of the Fair Credit Reporting Act as well as potential violations of the bankruptcy discharge. 

For once, I would like SECU to get their act together and comply with the Fair Credit Reporting Act and stop misreporting information to XXXX and the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-04
Company: Experian Information Solutions Inc.
State: FL
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:
I called XXXX XXXX asking for a credit limit increase on one of my credit cards I've had with them since XX/XX/2012. I very specifically asked to make sure they would not run my credit for this request. I was assured they wouldn't. They still did. Now I have an inquiry on my file. Absolutely unacceptable.

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 2020-11-02
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: Old information reappears or never goes away

Complaint:
Trans union Adverse accounts XXXX XXXX  XXXX To be removed by XXXX/2019 Has not been removed

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 2020-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Capital one bank has added new fraud. They have been stealing money from my bank account in the name of XXXX. Apparently they habitually charge and deduct money from accounts in any name at all and NEVER pay them XXXX and others can attest to records show that show that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 glitch that occurred with TransUnion caused all of my Credit inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legal required written notice 5 days prior to them re-adding them. I contacted transunion in good faith to ask them to remove the inquires that were illegally re-added. These inquiries add a hardship for me, and my rights were violated by transunion. I ask for your help in stopping transunion of victimizing me.

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 2020-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America has had a loan on a property of mine in Nebraska. I purchased a home for my sister to live in. The loan was with Country wide for years and then was moved to BOA when they purchased the company. A few months ago I received a notice that my payment was late. After looking into it I noticed that the payment amount had changed due to my escrow but because the statment didn't look any different I missed that it had changed. I called BOA and talk with a lady about it and we agreed that I would make the payment difference on my next payment because I was going to make it in the next couple days. I did that and when BOA got the payment they put the funds in unapplied funds and did not put it on the loan as the rep had told me that she would. When I made the next payment they reversed the payment and have done so every time that I have made a payment. I am trying to do a refinance on the loan and the bank is showing me late so the credit union that is redoing the loan is now wanting to not do the loan because I am showing that I am late when I am not. I have called BOA now 8 times and have spent an hour each time. The reps from BOA have admited that they had a system change and they are 90 day behind in processing all of thier customers corrections. My loan number is XXXX, I should show a payment was due on XX/XX/2020 but with the three payments backed of my app and the OLB shows me due for XX/XX/2020. I have received overnighted materials to apply for payment plans and received emails & Calls from debt collectors on this. Wy refinance of this loan was suposed to closeon Friday the XXXX and my credit union now may decline the loan. I am concerned that BOA is up to its old tricks and is not applying payments for some reason and keeping it a secret for some financial gain.

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 2020-09-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for 18-month interest free credit card from Wells Fargo late XX/XX/XXXX. Received it early XXXX. They now say interest begins to accrue XX/XX/XXXX. Spoke to one rep who said thats when the offer expires. Spoke to another today who just keeps saying that XXXX is 18 months, no matter what i say.

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 2023-01-06
Company: Avant Holding Company, Inc.
State: IL
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/2023, I sent XXXX XXXX a Certified Mail Letter requesting an unknown inquiry be deleted from my Consumer Report in which I have yet to receive a response! 
XXXX XXXX is in violation of my rights as a Federally Protected Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with FCRA, the creditors listed below have violated my rights under 15USC 1681, SEC 602, which states I have the right to privacy, 15 USC 1681, SEC 604 9a ), Section 2, which states a Consumer Reporting Agency can not furnish an account without my written instructions. 

Creditors : 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 2018-03-02
Company: Altisource Portfolio Solutions, S.à r.l.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an account with XXXX XXXX XXXX XXXX XXXX. They were billing me on a monthly basis. I was not satisfied with t he service and attempted to cancel the service. They continued to draw money out of my account. I cancelled the credit card and that was being billed. Three months later they called me to try and collect for a past due amount. I told them at that time that I wanted to cancel and then they told me that I was in a contract and could not cancel. I had never agreed to that. I told them that I did not owe them and that I wanted to cancel. 

I received a call last week from a collection agency called XXXX XXXX XXXX trying to collect on this debt. I explained to them the problem and they stated that they will continue to try and collect. I have now received a letter from the requesting payment. m This debt is not valid and I want them to remove it from my credit report and also stop all forms of communication.

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 2020-11-02
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XXXX XXXX decided to merge with schools first credit union effective XX/XX/2020. they failed to do so and they failed to send me temporary checks by XX/XX/XXXX, XXXX their website also failed so i was unable to create a new account, access any bill pay system or access my funds i live 2 hours away from a branch office and ALL of their consumer service contacts are unresponsive i'm unable to call them, chat or email them. 

i have payments that need to be made, like my mortgage! 

there should be consequences to them for such an epic failure.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: JPMORGAN CHASE & CO.
State: WI
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:
Hello My name is XXXX XXXX and Id like to file a complaint with Chase bank particularly with the one in XXXX XXXX and their credit reporting agencies. 

Unfortunately it has been on multiple occasions that I have been trying to establish a payment plan with this company. At times they have stated to me that I do not qualify because my income is not sufficient in regards to my debt. I explained Im going through a hardship etc. and it has been horrible. I have tried my best to make payments but it seems like its very difficult for this bank to keep to their promises like they say they will and treat their customers with respect. 

For example. I received a part time job and now they are still stating that I dont make enough in order to be in this program. Previously they had stated if I received a job that I could get into a payment program. 

On XX/XX/202 I was hung up on and I just felt overall disrespected and humiliated. This was with a supervisor and the coworker. 

We just can never seem to see eye to eye on things. 

I have also spoken with XXXX today to help discuss my concerns about my payment plan and we still have not come up with anything. At least she heard my concern. 

If someone could please call me at their earliest convenience Id be happy to explain further or write a detailed letter of what had been occurring. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Experian Information Solutions Inc.
State: CA
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 have been paying for a monitoring service from XXXX XXXX XXXX/Experian for the past 2 years and I have not been able to get all 3 scores only Experian .... but I am still being charged every month. Despite the excessive hold time .... I still call them and I am being told that XXXX does not have my correct social security number. I have called XXXX and they have not been able to assist me even after I have sent them a copy of my social security card and my DL. I can't get my score from XXXX either.

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 2020-11-02
Company: Experian Information Solutions Inc.
State: IN
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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