BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX and the reason I reaching out is to complain on TransUnion and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED 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 explanation
Consumer complaint received 2023-12-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I booked a flight with XXXX for my son and I to go to XXXX ( {$3300.00} ). The pandemic then happened and flights were being cancelled. I called Chase on two matters, one being the fight and hotel to XXXX, in XX/XX/2020. I spoke with a representative who stated she was working from home. She told me to reach out to the merchant to rectify the situation. At the time of her telling me this, everything in NJ was closed ( that is why the rep was working from home ). Since she knew everything was closed I thought she was suggesting to wait for things to open up. So I waited. And the governor kept pushing back the date we open. When we did open back up got notified that XXXX is no longer in business and to contact Chase. I contacted Chase on XX/XX/2020 and made a claim and was refunded the money ( {$3300.00} ). 
On XX/XX/2020 Chase did a reversal and took back the {$3300.00} stating I waited to long to make claim. How is this possible when I was told to wait and contact the merchant? This has put a serious hardship on me and my son. I did what I was suppose to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED 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 explanation
Consumer complaint received 2020-10-30
Company: The CMI Group, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit Management XXXX They have called me 8 times this week. 
Monday XX/XX/XXXX XXXX Tuesday XX/XX/XXXX XXXX Wednesday XX/XX/XXXX XXXX 2 times-immediately so it looks like the same time Thursday XX/XX/XXXX XXXX, XXXX Friday XX/XX/XXXX XXXX, 2 times-immediately so it looks like the same time I have never once been late on a bill of any kind and have perfect credit. They have me linked to an account that is not mine. 

I called them back as my phone carrier auto blocks them and asked them why they were harassing me. They asked if my name was XXXX XXXX. I said no and that this had been my phone number since XXXX with the same carrier. They hung up on me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: EQUIFAX, INC.
State: OH
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 have late payments that need to be removed per XXXX XXXX and it's still showing on my XXXX XXXX accounts ending in XXXX and XXXX my letter is dated XX/XX/2018 and stated would be removed with in 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2020, I wrote all 3 bureaus and asked them to look into some accounts on my report that are inaccurate. I sent these letters certified mail and I have record that they were received. Since then, I have sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. I have yet to see any information regarding the accounts that I am challenging, nor has any of the misreported information been updated. It is a clear violation of the FCRA to continue to report incorrect information after they are made aware of the mistake, isn't it? I feel that my rights are being violated and it is having a negative impact in my life, for obvious reasons. I have tried to maintain patience however, this has gone on for far too long and I want these issues addressed immediately. Thank you.

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 2020-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020, I initially ordered XXXX online and paid with my CapitalOne credit card. Originally the price was around {$25.00} when you buy 3, with 2 free bottles included so I entered my order. After I researched the product and found out more about it, I saw it was not the best way to lose weight as it will affect my health severely. I immediately called the company where I made the purchase and explained I wanted to cancel the order, where I received a cancellation order number as well as an email with the same cancellation number. The company stated my card would be refunded, but then I received the same charge for the amount of the purchase by my credit card company on the following bill statement. I called CapitalOne on XX/XX/XXXX to dispute the charge, and received a letter confirmation dated XX/XX/2020 that the dispute would be investigated. On the same day, the product arrived to my house, even after I canceled the product. I called the company to ask how to go about the return ; they directed verbally and via email exactly how to return the product via XXXX with a tracking number, ensuring it was received. On XX/XX/XXXX, CapitalOne sent me a letter stating the company shows a no-return per policy was received from the company to them. This made no sense to me as I spoke to XXXX people from XXXX about returning my product, receiving a cancellation email and direct steps on returning the product. CapitalOne reapplied the charge and said I still needed to pay the charges. On XX/XX/XXXX, I sent in a letter to CapitalOne because I wanted to continue the dispute as I have everything in place that I sent things back in. Since then, I started receiving more charges on my account from companies I've never heard of and don't know how to use. This should have launched an investigation regarding the charges, as they are not remotely close to anything I have been involved with. I explained I no longer wanted to have a credit card with them, cancelled my account, but I can not pay a balance for purchases I did not make.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 a small business credit card thru Capital One. 
I was emailed by the company requesting documents to verify my SSN and ID. I sent these via a portal. 
I receive a letter saying the documents were not sufficient. 
I called, was told what the prior documents were lacking ; so I uploaded additional documents, with the specified information. 
My application time period was about to expire and I had not received any notifications. I waited 3.5 hrs on the phone waiting to talk to someone. 4 representatives gave me different answers as to what was wrong with my application and I'm still not sure what the actual problem was. However, the 5th representative admitted that I was not sent a notification the second time, to let me know the company still did not think I had submitted adequate documentation. They admitted that without knowing my application was incomplete, my application time would have expired. They RAN MY CREDIT but were not going to let me properly apply for the credit card. They did not say there was any process in place to fix this oversight. 
And, they would not give me another link, thru which to upload additional documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it XXXX concern : My name is XXXX XXXX XXXX and the reason I am writing is to inform you that I have been trying to get with Equifax, but am very upset for their lack of response and reporting. I have done every step they recommend on removing false accounts that are reporting and yet I'm still waiting waiting for a response. It has past 30 days multiple times and at this point, and still the issue has not been resolved. I still see that they are reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  XXXX  XX/XX/2019 XXXX XXXX  XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX  XX/XX/2019 XXXX  XXXX/XXXX  XXXX  XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX  XXXX  XX/XX/2019 XXXX  XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX  XX/XX/2019. Please remove these inquiries from my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
On XX/XX/2021 I reached out to XXXX XXXX XXXX regarding Verification and Proof of Verification that this company had authorization to run my credit. To date I have not received a response that aligns with the Fair Credit Report Act or that they had a written consent to run my credit multiple times. At no point did I give any of their representatives permission to run my credit and they have no proof as such. 

I requested XXXX, Equifax and XXXX to prove proof of this as well and have received only a generic letter stating that XXXX XXXX XXXX has " verified as accurate ''. How can XXXX XXXX XXXX verify to the credit bureaus this information as accurate but can prove me no proof with my consent this information is true and correct after multiple times contacting the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Took the loan from world bank and wouldnt work with me to bring loan current

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  hit me with a 30 day late payment on my credit report after they failed to draw payment from the correct account. I have three credit cards, and had one mortgage with the company. All of the automatic payments were set to draw from my XXXX Checking account ( XXXX ) for an easy payment process. One of my credit cards was being paid manually, and I set it for automatic payments in XXXX. XXXX tried drawing the funds from a XXXX account that I had closed in XX/XX/2019, instead of my XXXX Checking account like they were supposed to, and where all of my accounts have been set up to draw from. The bank has placed blame on me for their error. I have never missed a payment, and I had a credit score above 820 before this happened. The mistake was XXXX 's, but they refuse to correct the error on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX {$360.00} XXXX XXXXXXXX {$720.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
Company: EQUIFAX, INC.
State: WI
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 XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In XX/XX/XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted XXXX during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. XXXX has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: CA
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 file disputes with Experian and their response was that it wasn't made by me. SERIOULLY!!!!! ... I fill this is a stall tactic on their part and I should not have to go thru all this just to get my results. This is taking time away from my job to have to keep filing complaints. Please help me with this matter.

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 2020-10-30
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received an email from experian Saying my credit score went up and in the email it said I had a 98 % chance Of receiving a XXXX credit card So I figure 98 % chance of something like 100 % why not so I applied for it funny thing is they didnt even pull experience credit report they pulled equal faxes At the time equal facts had my score At XXXX And I was denied so I called them up When you get it email prompting you and Enticing you to fill out a credit card application saying that your 98 % chance of getting it And if they would have kept it neutral saying you have A50/50 chance then you could put the blame on myself but when experian enticed me and provoke me my telling me I got 98 % chance then getting the card I would never filled out the application I like to see the enquiry removed from my report to the for wasn't for them I wouldnt have done it ... .. 
There is a XXXX XXXX inquiry that is on there they never remove credit card was open in my name i had that closed and removed they left inquiry along with a discover card inquiry that should have been removed someone tried getting a XXXX XXXX i already have 1 the inquiry still there

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 2018-02-09
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not have a contract with this XXXX  I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau XXXX  and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.

Company response to consumer: Closed with explanation