BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-06-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/23 - I contacted Citi bank fraud department to inform them I received a reference letter to gain access to my account which they told me my account would have access to after I do so. I gave them a reference number from a letter I had to wait for 5 business days to receive. This is my main account I explained to them and not only is citi bank delaying my bill payment they are also crippling my money flow Inside of my account. So after a long hold on the phone the representative tells me I have to wait another 24-48 hours for a phone call to get access to my account. This haves been the worst banking experience I have ever encountered I am very XXXX and I even have gotten sick because of all of this stress that I can not access my account. I am backed up on bills and short of money because of citi bank. I even went to the branch and they told my my account was active then I check and it wasnt. This is very un professional and I feel very stressed that I can not access my primary account for nearly a week. I want damages paid on behalf of citi bank for XXXX XXXX and pain and suffering because now I am under the weather because of the XXXX citi bank haves given 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 2023-12-19
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-06-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I maintain credit with American Express and pay my bill with them. I recently started a new business that I boot strapped and this resulted in multiple credit accounts being utilized ( it's why I have and build credit ).

One of my accounts with American Express reached about 75 % of the accounts credit limit. I received a threatening letter from American Express that if I didn't pay an extra {$1600.00} in 3 days they were going to review my account and possibly reduce my credit. 

I have maintained all required contractual obligations with American Express and I stated clearly to them that if you reduce my credit for any reason other than default, or multiple late payments that they are in breach of our contract. 

I will state again : My account is not delinquent. 
My account has not been delinquent. 
I have paid on time. 
I have paid all interest accrued on this account. 
No where in my contract does it state I have to maintain an amount below a threshold or have my credit reduced. 

Credit reduction will have an unnecessary impact on my credit and I will seek damages from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX and I'd like to file a complaint against XXXX, Transunion and XXXX and all the secondary bureaus. They have my or had my complete consumer file under the wrong name alltogether. Under the provisions made by the Fair Credit Reporting Act, I have the right to accurate reporting of any and all information pertaining to me. With that being said, I'm requesting that : XXXX ) My name is uptated on all XXXX bureaus. 
XXXX ) That ALL accounts that report any name other than mine : XXXX be removed immediately please. These account are not mine and I have for way too long suffer the consequences of inacurate reporting which has negatively affected my life and that of my wife and XXXX children. 
XXXX ) There are list of XXXX loans that are questionable and I'd like to have them investigated and removed if there's any inacurracy. 
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 non-monetary relief
Consumer complaint received 2023-11-16
Company: The CBE Group, Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CHARTER COMMUNICATIONS keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to THE CBE GROUP INC-FORMER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I am helping a family with a home loan and the lender that we are working with ran my credit report. The next day ( This morning ) i have received over XXXX unsolicited calls from various lenders. XXXX of them told me that XXXX shared this info as I ran my credit yesterday. I did not authorize anyone to contact me and this harassment continues as I am getting non-stop calls. This needs to stop immediately. These credit reporting agencies have no business sharing my cell phone and contact info with lenders without my explicit permission.

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 2023-02-27
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 status incorrect

Complaint:
I have written letters to XXXX, XXXX, and Transunion to delete this account that is older than 7 years on my credit report. They have been ignoring my requests. So I sent a letter directly to XXXX XXXX, pretty much asking them to stop reporting an account that is older than XXXX XXXX XXXX because that is against the law. Instead of deleting it, they sent me a contract as their " proof '' of reporting. But what good is providing proof of a contract when the contract clearly says XXXX on the header of the paperwork ( attached ). It is XXXX! Also, XXXX is not reporting because they are aware that it is past the 7 years statute for reporting time. Delete the account with XXXX XXXX ( Account # 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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX Balance : {$0.00}.

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 2023-11-22
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I was unable to make a payment to XXXX XXXX, because of a " data breach '' with Mr. Cooper Mortgage Company. Now Mr. Cooper reps are saying everything is fine and if your data was leaked they will send me a letter. I need to know what data was compromised and what kind of attack it was. They will not say if it was a " zero day '' attack or ransomware etc. 
I'm just supposed trust they won't get hacked again, after I already trusteed they wouldn't in the first place? 
I do not know what I need to do to mitigate any risk on my end because the company will not tell it's customers what happened exactly.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: JPMORGAN CHASE & CO.
State: NM
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Iv already tryed to resolve this but since it's not my account I can't get any help. Iv tryed to resolve this irs too. I have proof that it was deposited into someone else account. Why would it be deposited into a account that wasn't mine..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: MARINER FINANCE, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received debt collection documents in early XXXX stating that I owed XXXX for a loan that was not mine. I responded to that debt and on XX/XX/2022 they sent me another letter with the same information with someone with the same name stating I owed them XXXX for debt. 

In late XXXX, I received a notice from XXXX XXXX XXXX stating I needed to respond to a lawsuit that has been filed against me for this debt that is not mine. 

I responded on XX/XX/XXXX to XXXX XXXX court with my personal information that would prove that this debt is not mine, last XXXX of social and date of birth. 

On XX/XX/XXXX, XXXX XXXX court sent me a trial date to attend for this frivolous debt. I never lived in XXXX and am a XXXX resident. The court date is set for XX/XX/XXXX I've XXXX hours away. 

I called Mariner Fiance on XX/XX/XXXX to let them know they have the wrong person and provided them with the last XXXX of my social and they still stated they are taking me to court after verifying the debt is not mine. They also admitted that this was a mix up but since their lawyers are now handling it there is nothing they can do which is not true. They can call then and tell them to drop the suit. This just sounds like they are hoping to don't show up so they can just collect on me. The lady who first answered just told me not to respond since they don't have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the each of the accounts directly violated my FEDERALLY PROTECTED CONSTITUTIONAL RIGHTS to privacy & confidentiality under : - US CODE 15 USC 16.81Sec . 602A. ( states the CONSUMER has the RIGHT to PRIVACY ) - US CODE 15 USC 16.81Sec . 604A. ( states the REPORTING AGENCY MUST OBTAIN the CONSUMERS PERMISSION ) - US CODE 15 USC 16.81C-A Sec.5 ( SHALL NOT release ANY adverse INFORMATION, OTHER THAN records from convictions of crimes which ante date the said report by more than 7 years. ) - US CODE 15 USC 16.81S-2 ( A ) ( 1 ) ( states the said REPORTING AGENCY SHALL NOT share information with the idea some info is or could potentially be inaccurately displaying 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 explanation
Consumer complaint received 2023-10-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear agent, I recently moved from XXXX last XXXX due to job offer as doctor at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As soon as we arrived, my wife and I opened a joint account at Chase Bank. 

My wife is also a doctor and our house income is expected over $ XXXX. 

Since the opening date we are facing problems with Chase to get a Credit Card. 

I understand that as foreign individuals, we don't have US Credit Score, although we have XXXX XXXX XXXX. However, our professional positions and family income should be relevant to obtain a descent credit card and credit limit. 

After many discussions a Credit Card with {$5000.00} limit was issued. Since then, the credit card has been paid weekly with absolutely no delay on payments. 

Now, 3 months after, I requested to increase the credit limit since {$5000.00} does not meet my family 's needs. As you can imagine, we are in 4 and our expenses are high.

For example, we are booking our holiday trip and I can't by the flight tickets for we all because the limit is not enough.

For my surprise, Chase, AGAIN, denied my request. 

Here are the main factors for a Credit Score : 1 ) Payment history : Absolutely respected with no delays. 

2 ) Amounts owed : Here we have the problem. Even if I pay the credit card weekly, my family expenses are HIGH. So, with $ XXXX limit, it is obviously that the percentage of credit we are using it is also HIGH. That's why we need to increase the limit! 

3 ) Length of Credit History : Nothing we can do to change time. 

4 ) New Credit : I have XXXX credit cards with CHASE ( XXXX and XXXX XXXX ). Prior TD Bank credit card is cancelled ( because I believed that Chase would provide me something better ). And I have a XXXX XXXX. That is all credit I have. 


So, as you can see, on my end, there is nothing I can do to change the factors exposed. 

However, my family income and payment history should be enough for increasing the credit limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX SQ XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-08-15
Company: John C. Heath, Attorney at Law, PLLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The purpose of this statement is to address the delinquent account that is showing up on my credit report. The XXXX XXXX XXXX  account was closed on XXXX XX/XX/XXXX due to a charge off. XXXX XXXX XXXX XXXX filed Bankruptcy and stopped my allotment in their process of Bankruptcy. I called XXXX XXXX XXXX XXXX for months and no one returned my calls. In XXXX. I noticed that I had a charge off on my credit report. I made serval attempts to try to find a solution to resume payments and to get the account current. In XXXX when I was able to get in touch with XXXX XXXX XXXX XXXX. The representative indicated that I wasn't in their system at all, and they couldn't help me. I have been working with credit repair companies that have run into the same roadblock as me. I am asking for your help to help me find a resolution and get this negative report removed from all three credit reports. If you have any questions for, please let me know!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXXXXXX XXXX,2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX To whom it XXXX concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Please update my name to : XXXX XXXX XXXX XXXX only and correct date of birth is : XXXX XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not deliverable to me by the U.S Post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief