BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I sent numerous letters to the credit bureaus, creditors, and collection companies starting back from XXXX up till now. They violated my federal consumer laws. According to 15 usc 1681b ( a ) ( 2 ) it states In accordance with the written instructions of the consumer to whom it relates. Meaning i have to give them written premission to report this to my consumer report and i didnt. Some letters i sent certified mail and transunion simply decline my letter .I jus want them to know that im not working with a credit repair company i am the natural person, and online educaution is free now and days and please dnt asulat me againn

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 2017-07-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have made complaint to CFPB in 2016 via complaint # XXXX. Because of the Chase Bank fault they forclosed my property some where in 2016. We have filed appeal for the same in appeal court. Let me give you some info from the past. I have investment property located in XXXX, Illinois. Chase bank was the lender. It was a rental property. I was behind in payments, so I was trying to modify my loan with Chase. During that modification Chase bank sold loan to XXXX. I received the letter stating that loan was sold and very next week I received another letter from Chase stating that it was a mistake and the loan is not sold. So I at this point I was submitting the modification papers to Chase and in return I was getting reply from Chase that they have received my modification papers and they will let me know if they need more clarification. In fact that was a mistake on Chase Bank part and they admitted that the loan was sold and the letter they send was a mistake.I short the house was forclosed below market value and now they have put that house for sale at much higher price. Original mortgage was {$100000.00}. House was forclosed at {$79000.00} and rest they put judgement against me. Then I received XXXX XXXX from XXXX and I have to pay Tax on that which I paid in 2016. The judgement of {$38000.00} they gave to collection agency to collect. After the house was sold to XXXX, Chase bank bought it on Sheriff sale. But Chase was denying that they do not own the house.This whole thing is misleading. My question is that if Chase bought houise in sheriff sale then why they are denying and why XXXX sold house. As of today the same house is listed with XXXX XXXX in XXXX and has an pending offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Experian Information Solutions Inc.
State: CA
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 received  XXXX  inquiries on my credit report from  XXXX   XXXX  for  XXXX / XXXX / 17 ,  XXXX / XXXX / 17  and  XXXX / XXXX / 17 . I called  XXXX  today to discuss and the supervisor said that they were only aware of  XXXX  inquiry dated  XXXX / XXXX /   17  and asked me if I recently requested a credit line increase and I told them no. He suggested that I dispute the inquiries and that should solve 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 non-monetary relief
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
On XX/XX/XXXX I was flagged on XXXX XXXX that I tried opening an XXXX card through XXXX. I had not done this. So I immediately called XXXX and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/XXXX the same thing happened. So I again immediately called XXXX. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting TransUnion. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at TransUnion told me to call back XXXX and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called XXXX and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called XXXX and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my TransUnion score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. XXXX is in no way concerned about this and it 's fraud.

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 2022-02-16
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXXXXXX ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). I need to report XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
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: Problem getting your free annual credit report

Complaint:
I obtain my free annual credit report from XXXX XXXX and XXXX online. After answering questions from Experian, the website denied my report. Experian questions included entering a city I previously resided that included my current city. I check the current city and Experian declined my report. The ID check should not include trick questions.

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 2017-07-12
Company: COMMERCE BANK
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hi, I opened a XXXX XXXX XXXX XXXX XXXX card and completed the requirements to make {$1000.00} in purchases during the first 90 days to earn XXXX bonus points. However, when I tried to redeem the points, I was told that in order to redeem them, I had to first have a stay at a XXXX property. This was not communicated anywhere in the account disclosures, and in addition, the card landing page ( https : //www.commercebank.com/XXXX ) states " Earn XXXX Bonus Points Towards a FREE Night Stay '' which is a false statement because the points can not be redeemed without fulfilling other terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Experian Information Solutions 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:
I have made several attempts via certified mail and notarized documentation requesting the XXXX, XXXX, and Experian to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.

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 2022-02-16
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: Personal information incorrect

Complaint:
On XX/XX/2021 and XX/XX/2021 I sent letters requesting that all the inaccurate addresses, phone numbers and names be removed from my credit file, i also sent proof of my address and the name by sending a recent utility bill, a copy of my drivers license with my address on it and a copy of my social security card. 
Experian DID NOT remove any of the inaccuracies from my credit report nor did they respond to my letters.

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 2022-02-16
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, consumer, am a natural person who regularly extends, renews, or continues credit and who regularly arranges for the extension, renewal, or continuation of credit, otherwise original creditor. See Equal Credit Opportunity Act ( ECOA ) XXXX XXXX XXXX was advised to cease communication with third parties and 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) and ( B ) Failed to omit EXCLUSIONS as refusal to comply with state and federal consumer protection laws and continues to update disputed consumer reports as authorized as aggravated identity theft as otherwise a 15 U.S. Code 1 breach of trust No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person ; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness see Florida Statute 540.08.

Identity theft means a fraud committed using the identifying information of another person without authority. See 12 CFR 1022.3 ( h ).

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 2017-07-12
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:
I have made several attempts via certified mail and notarized documentation requesting the XXXX, TransUnion, and XXXX to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT 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 2022-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Recently, I XXXX XXXX was denied an extension of credit by Capital One in XXXX of 2022 I submitted a credit limit increase, I applied for Credit As you XXXX be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Captial One Bank has violated my federally protected consumer rights : 1. 15 U.S Code 1642- No credit card shall be issued except in response to a request or application, therefore. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card.

2. 15 U.S Code 1681M 3. 12 CFR 1002- A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a different amount or on other terms ) and the applicant uses or expressly accepts the credit offered 4. 15 U.S. Code 1691-It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. 

Since the letter, you sent me dated XX/XX/2022 account ending in XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. Capital One should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX I sent a letter to XXXX XXXX ( XXXX ), XXXX and XXXX XXXX XXXX XXXX asking them to close my accounts and list as " Closed at consumer 's request '' on my credit line as I am working with XXXX XXXX XXXX to lower payments and be debt free. My credit reports show that I am delinquent 2 months. I have never been delinquent on a payment. I was not delinquent prior to working with XXXX XXXX XXXX. I also received a collection notice from XXXX XXXX for being delinquent after sending the letters. I had a card with XXXX XXXX ( XXXX ) since XXXX and was never late. I have paypal mastercard also with XXXX XXXX and they recently cut my credit due to XXXX. I received an approval loan in the mail from XXXX XXXX XXXX in XXXX. XXXX Pa. which was preapproved. When I inquired about it I was told I could not get a loan because my credit report listed I was delinquent. My husband called them and was told that XXXX XXXX XXXX does things different. XXXX XXXX also stated they did everything legal when they lowered my credit line without warning. The bottom line is there is negative information on my credit reports that I ca n't see but financial institutions can which they are using against 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 2022-02-16
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ) .This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by 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 non-monetary relief
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: WV
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:
Good Day. I am writing to have the items listed with my report deleted deleted from my credit profile. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for Wyndham  XXXX XXXX on XX/XX/2022. I received a mail and was asked to provided more information regarding Business. I calledXXXX and faxed required documents to XXXX. Application was approved on XX/XX/2022 ( after I called to check the status ). However, the card can't be printed and never mailed out to me ( Agent told me my account can not set up even my application was approved. I called ( XXXX ) XXXX and ( XXXX ) XXXX every day and agent keeps telling me it is a system glitch. My application was escalated to the manager. As of XX/XX/2022, the issue still can't be resolved. This is so frustrating and 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 non-monetary relief
Consumer complaint received 2022-02-16
Company: BANK OF THE WEST
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I asked to close my checking account from bank of the west through secure message on XX/XX/XXXX XXXX PM, and received their response on XX/XX/XXXX XXXX AM. 

However, now on XX/XX/XXXX, there are two charges on my account, and account not closed XX/XX/XXXX FEE {$30.00} - {XXXX  XX/XX/XXXX DEBIT PREVIOUS PERIOD ACTIVITY RESULTED IN MONTHLY SERVICE CHARGE {XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief