BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: Pacific Credit Exchange Corporation
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:
I have sent letters to XXXX  and XXXX  and investigation took well over 45 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 explanation
Consumer complaint received 2022-01-16
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian still continues to show a bankruptcy on my credit report, despite evidence to the contrary. I have sent them documentation on numerous occasions and they have ignored it.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to 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 2019-12-22
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:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2018-09-12
Company: U.S. BANCORP
State: IA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX my mother and I went the bank to refinance her existing HELOC to prevent it to going into the end of the draw period that will end XX/XX/XXXX, which will increase her payment substantially. You may be eligible to refinance your existing HELOC they wrote. The bank opened the loan on XX/XX/XXXX. 
My mother, at that time, was elderly, XXXX XXXX XXXX XXXX had XXXX XXXX. With her debt free home she was easily approved. 
Armed with credit scores in the high 700s as well as a fifteen year history of no missed payments, the banker thought it would be no problem to be approved to refinance the loan as we could not afford a {$900.00} per month increase. 
On XX/XX/XXXX I was told the underwriter found a {$1000.00} credit card debt from 20 years ago I had not paid. I said that was a mystery to me but I would be glad to pay it now. He said once you do not pay us we will never give you any credit. Your mother is however, approved. 
Few days later, we received a letter from their corporate off that she was denied credit because Applicant has poor or no previous experience with the credit grantor.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: NJ
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 have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2021-03-03
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, I applied for XXXX through Fed Loan Servicing on XX/XX/2020. At that time, it showed I made XXXX qualifying payments for both of my loans. It is now showing that I have made XXXX qualifying payments for only one of my loans, the other is now showing XXXX ( XXXX if I certify my XXXX ). I received a letter from Fed Loan Servicing back in XX/XX/2020 for a XX/XX/2020 review that showed both of my loans at XXXX  qualifying payments. I was advised by them to wait until XX/XX/2020 to submit my XXXX review and that it could take up to XXXX  days. It is now past XXXX days, I get the run around on the phone every time I call and a different answer each time. I'm concerned about two things : my XXXX  loan not showing the correct XXXX qualifying payments and why this is taking so long. I know people who have requested XXXX after me and have had their loans forgiven. 

Can you please help me? Please let me know if you need any additional information. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Consumer reporting agencys ( XXXX, transunion ) they are illigally attaching the transaction history. Payments made, on time or late. Account History. Credit usage. Against my rights under the XXXX  passed FCRA law.

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 2023-07-26
Company: FIRST ADVANTAGE CORPORATION
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to request an update on my pre-employment screening record due to a discrepancy in the information provided. On XX/XX/2021, I received a speeding ticket while returning from Pennsylvania. The incident occurred in XXXX, West Virginia, where the speed limit was 65 mph. Regrettably, I was caught driving at 95 mph in my small car. After the incident, I appeared in court, and I am pleased to inform you that the speed limit violation was subsequently reduced to just 10 miles over the speed limit, which I consider a positive outcome. As a responsible driver, I promptly paid the fine associated with the reduced ticket. However, I recently noticed that my pre-employment screening record still shows the violation as 16-25 miles over the speed limit. I believe this may have been a clerical error or oversight during the reporting process. 

I have attached a copy of the court verdict, clearly indicating the reduced speed limit violation, for your reference and verification. I kindly request that my pre-employment screening record be updated accordingly to reflect the correct information. I understand the importance of accurate and up-to-date records, and I want to ensure that all information provided during the hiring process is accurate and reflective of my driving history. 

Thank you for your attention to this matter. If there are any further questions or additional documentation needed, please do not hesitate to contact me. I am more than willing to provide any necessary assistance to resolve this matter promptly. Thank you for your understanding, and I look forward to the opportunity to discuss my application further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: TN
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:
Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer 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 2022-05-26
Company: JPMORGAN CHASE & CO.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase, on my credit report listed as JPMCB closed an old credit card around XXXX. In XXXX, the card was reopened, and I began to get auto-debited monthly for about {$65.00}. However, I was never notified of the account being reopened, did not have any knowledge nor did Chase/JPMCB have my consent. Since then, I have been auto-debited approximately {$65.00} for about 12 months, and they have flagged the account as 150 days past due ( as of XX/XX/XXXX. ), without even stating how much was owed. I filed a complaint with the XXXX  stating what I am stating in this complaint, and Chase/JPMCB falsely stated that this issue was resolved over the phone with me on XX/XX/XXXX. However, no such phone ever, or has taken place. I have never received any communication from Chase/JPMCB... not a letter, not an email, not a text or a phone call to state the amount owed, however, they continue to flag my credit report. I have no way of validating this ... .I have no account number or credit card number to inquire with, and Chase/JPMCB never validated the information along with an amount owed. This is completely a deceptive and abusive practice by the company, and my credit report remains at great risk because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 noticed that I have an account on my credit which is not the original creditor. Also this company is in many violations under law code 15 U.S Code 1681. 

Date : XX/XX/19 Two amounts showing inaccurate {$6700.00} {$6800.00}

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 2021-12-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been on a covid forebearance since XX/XX/XXXX with XXXX mortgage and then on XXXX this year the file was transfered to XXXX XXXX. I was offered a deferal at the end of the covid forebearance period and upon transfer, I was told by XXXX and confimred by Select Portfolio Servicing that they would honor the deferal at the end of the final period which was XX/XX/XXXX. I sent the documentation they requested from XXXX. 
Now Select Portfolio Servicing is stating that the investor does not want to honor this and they want to me to go through a retention review process. I was told the deferral would be automatic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check 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 2020-03-02
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: Information belongs to someone else

Complaint:
Good afternoon, it was brought to my attention that there are several accounts on my credit report which are not recognized by me as mine. They are listed as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, none of which I have ever done business with. I have never applied or used they're services. These accounts are fraud and someone out there is using my identity to get credit. Please help!

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 2019-12-22
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXXXXXX XXXX XXXX  | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, 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 2023-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited 3 personal checks into my account on XX/XX/XXXX, initially my receipt stated funds would be released in 3 business days, a day later I received an email stating my funds were put on hold and would not be available for 8 days, in total that was a 9 day hold. On XX/XX/XXXX the hold was removed and my available balance reflected the amount of deposits. On XX/XX/XXXX I went into a branch to withdrawal some funds. I had my ID but my debit card was in the car, I told the teller this. I asked could I use my ID he stated yes, I called the person in the car & asked if they could just bring it in which they did. The teller asked for an override from the supervisor on duty before I retrieved my debit card due to me not having it, I stated to the supervisor I now had the debit card and showed her this with proof of license. The supervisor looked at me and continued to input some things in her computer 5 minutes passed she asked me to have a seat and went to the back with my ID, 5 minute later she returned handed me my ID and stated they would not be able to process my withdrawal. I asked why and she said we just cant! I tell her you all held my funds for 8 days and just dont tell me anything? She said yes. I leave and immediately call customer support, who stated they had no information on why the funds were held and referred me to risk management who then referred me to client relations. Client relations had no information on why the my account was hold. Im frustrated at this point I hang up and call back the next day same scenario. I call Saturday someone states my account is in the process of closing I ask why she stated thats not my line of business and referred me back to client relations. I finally get someone again in client relations and tell me the account is not up for closure just on hold and they could not tell me a timeframe on when the hold would be lifted when I could access my funds OR WHY? It is now 17 days into my initial deposit and I can not access my funds. I have children bills etc and BANK OF AMERICA will not tell me why my account is on hold I have not received any letters, emails or phone calls on why the hold was put in place. At this point im ready to seek legal counsel because this is ludacris!!!

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 2023-07-26
Company: Experian Information Solutions 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 am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 non-monetary relief