BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXXXXXX XXXX XXXXXXXX Date opened : XXXX XXXX XXXX Balance : {$170.00}. Please see that this inaccurate information were corrected immediately.

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 2020-08-12
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I never applied for this account or give approval Barclays bank Please remove.

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 2020-12-24
Company: Meade & Associates, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company has placed a debt on my credit report. I have twice verbally requested tht they provide me with validation and verification. I also feel that the seven year statute of limitations for this debt has passed from the date it was incurred. They are engaging in deceptive nd unfair collection prctices by continuing to attempt debt collection fter refusing to validate and verify the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain credit.

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 2020-08-13
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: Their investigation did not fix an error on your report

Complaint:
Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as inaccurate.

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 2020-08-12
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 am very frustrated because I have mailed the credit bureaus twice and they are ignoring me. There's information that is too old to be on my report and I want it removed. I tried in XXXX and again in XXXX and I have received NOTHING in response.

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 2020-08-12
Company: EQUIFAX, 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 am very frustrated because I have mailed the credit bureaus twice and they are ignoring me. There's information that is too old to be on my report and I want it removed. I tried in XXXX and again in XXXX and I have received NOTHING in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I pulled my credit report and discovered a bill from XXXX which was sent to collection, Enhance Recovery Company. The bill was for $ XXXX contacted ERC and we agreed for a settlement of {$190.00} but I was charged for {$210.00}. 

However, they promised to send a settlement in full letter upon payment but what I recieved was not a settlement in full payment because the letter purports that " Please note, that although your account was settled, it will reflect a remaining balance with XXXX. " Clearly, this is not a Settlement in full letter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: Experian Information Solutions Inc.
State: MI
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:
There was an unauthorized credit pull from XXXX XXXX that in turn cause me to obtain a hard inquiry on my credit report. This hard inquiry reduced my credit score. I was not aware nor authorized this inquiry on XXXX XXXX, 2017. I will like this to be removed from my credit report because it is fraudulent and I am a victim of identity theft. Along with XXXX XXXX, XXXX and XXXX XXXX was pulled fraudulently.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Every time I go on TransUnion Website/XXXX and attempt to get my credit report it never gives it to me. Even though I pass the identity verification, Please assist with this ASAP

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 2020-05-18
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$460.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX  XXXX {$1200.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be certified. that I have disputed. Please resolve this manner as soon as possible. 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 2020-01-09
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: Personal information incorrect

Complaint:
he credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-10-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2020. I made an international {$14000.00} wire transfer from JPMorgan Chase. XXXX XXXX XXXX XXXX. XXXX NY XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX, Off XXXX XXXX, XXXX XXXX XXXX. XXXX. 
XX/XX/XXXX, I was called to come and furnish the bank with more information about my transaction which I did and the transaction went through. 
My payee in XXXX called to acknowledge the receipt of the money. 
Monday, XX/XX/XXXX, my payee in XXXX called that the transaction has been reversed. Chase bank reversed the wire transfer. I immediately called chase bank, spoke to a customer service representative, to ask why the transaction was reversed. He told me that it was a part of a security investigation. My {$50.00} transfer fee was returned to my account, with an assurance that the bank will return the {$14000.00} back to my account in 5 business days, and to date, nothing has been heard from the bank All efforts to contact chase bank in person, phone calls, and emails were  futile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have disputed with all agencies with no responses starting XX/XX/XXXX. Please provide documentation of what actions were taken on all disputes online and in the mail. All claims made are still valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I XXXX XXXX SS ending in XXXX would like your assistance in removing this collection from my credit report due to it being placed on my credit by numerous collection agencies prior to I.C System INC ( original debt XXXX  ) attempt to collect {$820.00} XXXX XXXX for an account XXXX. This is not the original collector ( unverified duplicate account ) the same debt attempted to be collected by XXXX XXXX XXXX XXXX for {$820.00} original source XXXX XXXX. I explained to XXXX the original source this is not my debt after a long hard fight I gave in and accepted the loss and the hit to my credit. After repairing my credit another collection agency attempted to collect the debt without notice and decrease my score 39 pts for the same debt. I've offer to pay and they said they will not delete it from my credit report. Please give me some guidance.

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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.

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 2015-08-19
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: MT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold again. The previous lender, Franklin American sent me a annual escrow disclosure statement before transferring to my new lender. I noticed they are missing a deposit to my escrow account in XXXX 2015. I contacted Franklin and they confirmed they received my mortgage payment in XXXX, but did n't know why my escrow account did n't reflect that. I faxed the statement to them last month and they have n't responded. I followed up with my original lender and she thought it looked like a payment was missing also. She sent an inquiry to her Franklin contact and I have not received a reply from anyone at Franklin. I need help recouping my missing escrow payment as they are nonresponsive. Can you help me or direct me to the department that can help me? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Consolidated Information Services Solutions, LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2020, CIS Credit Solutions at the request of XXXX XXXX, XXXX pulled my credit report without permission. After notifying them of an unauthorized hard inquiry, XXXX XXXX XXXX by email on XX/XX/XXXX, XXXX that " we'll handle the removals w the credit bureaus. '' As of today, that has not occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$490.00}, {$6600.00}, {$14000.00}, {$290.00}, {$65000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$490.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$290.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$65000.00} -This is not my account.

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 2016-06-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, XXXX Fifth Third Bank 's mobile application notified me of a {$420.00} transaction that was NOT made by me. I immediately called the bank as prompted. While waiting 2-5 minutes for a bank representative - another transaction of {$210.00} went through. I was told the bank shut down the card for FRAUD and the representative " XXXX '' assured me there are no OPEN cards on my checking account. Because there are NO OPEN CARDS on my checking account I am blocked from accessing/monitoring my account for further fraudulent activity. I have no access to my money for 5-7 Business days until another NEW card is issued. I can not see MY account online or on the mobile application because Fifth Third Bank does NOT allow access to a checking account without an ACTIVATED card. I was blocked from my money by Fifth Third XX/XX/XXXX for a previous fraud dispute where the bank had issued & allowed multiple cards to remain open without my informed consent & knowledge. The bank response was a ponzi scheme/shell game of " you used the cards we issued to you so you knew the cards were open. '' Even when provided with bank paperwork that stated the 'old card would be deactivated when the enclosed card was activated ' the bank cited numbers and transactions to cloud the real issue of bank deception in our business relationship. I believed in this bank 's integrity until XXXX XXXX. I had been happily a Fifth Third Account Holder since XXXX XXXX. On XXXX XXXX, XXXX I was issued the new chip card by the bank. This was to make my account 'more safe ' ... I make very few transactions. I changed every password. I changed every pin. I have NO FAITH in business dealings with Fifth Third from this day forward. Clearly my account is NOT SAFE and now I am BLOCKED from monitoring my money ... BLOCKED from keeping MY money safe that Fifth Third has NOT repaired whatever BREACH prompted them to issue the XX/XX/XXXX Chip card that I did NOT request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I currently have 2 car loans with XXXX/ Bridgecrest Financial , I drive for XXXX and have 4 payments left on one vehicle. I contacted Drive-Time today XX/XX/2020 to inquire about getting another vehicle. I was told that they do not accent Uber/Lyft as a source of income and they would not be able to finance me. I explaijned to them that I am already paying for the vehicles I have through them with Uber/Lyft income. I believe that they are violating the fair credit act by not accepting what I make as an independent contractor. I have been told the reason is because they don't wa n't their cars used as rideshare, if I am buying the vehicle what difference does it make how I use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
Despite the multiple previous written requests, the unverified items still remains on my credit report in violation of Federal Law. They failed to MOV and failure to POLP within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor and the credit bureaus, as willful non-compliance. XXXX - Card Service XXXX Open Date XX/XX/1999 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My XXXX  child who wasn't authorized charged over {$4000.00} on my credit card and they are not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I contacted Wells Fargo today and they advised that I was 51 days delinquent. I was a little confused as to why. I spoke with XXXX who first advised that he was a supervisor ( I later found out that he was a lead ) and he advised me that if a partial payment is made on the account, then it is not applied towards the account and that interest accrues daily on the full amount due. I have made larger payments towards my account for some time. I want to make sure that the company is calculating the interest correctly. If they are not, I would like for them to adjust my account accordingly. Also, the person on the phone advised that he was a supervisor, when he was not. He was a lead. This is misleading.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation