BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/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 2022-10-28
Company: Experian Information Solutions Inc.
State: LA
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 submitting this 5th CFPB COMPLAINT today to inform the Credit Reporting Agencies are required to remove the disptued accounts and information from my Credit File under the Fair Credit Reporting Act Section 605b. I have been submitting Dispute letters and CFPB complaints addressed to the Credit Reporting Agencies requesting the removal of the disputed fraudulent accounts and information completely from my Credit File. However, the Credit Bureaus have become stubborn and neglected their duty to investigate and verify the disputed items. I was a victim of identity theft and that the items I am disputing were never mine neither did I authorizde anyone to open these accounts in my behalf. Under th Fair Credit Reporing Act section 605b, I am requesting once again to remove the following items completely from my Credit File : XXXX XXXXXXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, the Credit Bureaus have failed to send me copies of proof of their verification or proof of ownership to prove that the disputed items belong to me. And yet hey continued to report th disputed items despite not being able to verify the disputed accounts.

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 2023-04-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. They have removed one after agreeing to remove both its been3 months Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account XXXX Please investigate and provide Proof with statements showing that these payment were late. If proof can't be provided I demand these payment be updated to on time as they should be as I was NEVER Late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a Chase credit card XX/XX/2023 which I thought I was prequalified for at the time of opening a new bank account with Chase. The reason why I thought I was prequalified was because it was given to me as a special offer directly through my bank account app .The credit card application was denied. I received their denial letter, so I call for reconsideration on XX/XX/2023. The lady I spoke to who took the book to from reconsideration department, who took the final decision, told me that she could not qualify me because of past history in there chase files said they were said {$20000.00} credit card was charged up in the pass and resolve through identity theft and she clearly stated that that was the reason why she could not approve me. I also have bankruptcy, but she said she can not overlook the bankruptcy due to the bad history on that credit card even though it was already resolved, and the conversation finished there.on XX/XX/2023 I called them so I can retrieve their file that states the {$20000.00} credit card XXXX  the manager I spoke to said that that car was only charge for {$16000.00} and that no she can not give me those files and she gave me a phone number which ended up nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
It has been over a year and I am still having issues with Victoria Secret and Comenity Bank. Victoria Secret and Comenity Bank make it nearly impossible to login to my account so that I may make payments on my credit card account. For several months their website would not allow me to login using my login credentials ( email/password ) so that I can make my payments online. I called and spoke to them about this on 3 separate occasions. Today I tried to login and had the same issue except this time it allowed me to update my password. I updated my password but it still will not allow me to login using my login in credentials. When I tried to login, I got an error message saying that no account exists with those credentials ( email address ) even though the online system verified my identity with that exact same email address. At this point it is my belief that Comenity Bank the issuer of Victoria Secret credit card is purposely blocking people from accessing their online accounts so that they are unable to manage their accounts and make on time payments. I have been experiencing this issue for over a year and I have had it. I have complained to Comenity Bank and when I did the customer service representatives are unable to fix the problem. I haven't been able to see my Victoria credit card transaction history in over a year, I have no knowledge of what I'm even paying for when I go into to the store and make random credit card payments. I have no way to verify that the transactions made on the account are even mine since I can not login to my online account and they do not send an itemized transaction report when they mail out the credit card billing statement. I can not provide my credit card number because every time my status changes, from " basic member '' to " platinum member '', the credit card number changes. I haven't had used a physical credit card to make purchases in over a year and make purchases in store using my social security number instead. The last time i spoke to a representative, i asked them to send me a new card so that i could login to the Comenity Bank system using my card, they never did. This all seems fraudulent and I would like assistance in getting Comenity Bank and Victoria Secret to fix their system and reimburse me of any late fees or fraudulent charges I have incurred because of their fraudulent system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have tried to reach out to Carrington mortgage several times to resolve this matter and I got a note back theyre going to wait 60 days, as I stated earlier, they are trying to play a game to try and say I default it. Im also going to the New Jersey division of banking which also governs companies like theirs. I already told them that theyre going to try to go wait till the XXXX of this month and then say Im two months behind, which is not true because the online payment is on the way, and I only owe them to Payments till the end of the year. the evidence has been presented to you also to the FHA to my attorney, the New Jersey XXXX XXXXXXXX, and now Im going to turn over this information over to the local television programs to expose their fraudulent action. Somebody must stop there on ethical behavior, I want this information published everywhere because Im quite sure they have done this or theyre trying to do it to other people. It does not take 60 days to take some papers from one office to another, as I said, I dont know what goes on in that back room, but about time it gets exposed on the television said they should resolve this matter for me before 60 days. Please publish this information so other people can see how Carrington LLC operates. Perhaps it will be expose on the television first because this is ludicrous no reputable bank or no reputable organization takes that long to do a math problem. they should stop trying to act like loan sharks and start behaving like reputable business people if they go to my attorney by the XXXX I know that they are lying and I have already alerted him and Im also going to the press about this matter.!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: VA
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:
list of inquiries that were not made by me 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: VA
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:
list of inquiries that were not made by me 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Upgrade, 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 may concern these accounts and inquiries reported on my credit report are not mine the the company is refusing to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I used XXXX to process my federal taxes for the year XXXX. XXXX recommended I send my refund, {$12.00}, XXXX to Credit Karma. Credit Karma sent me a Credit Karma Visa debit card. I used my Credit Karma debit card to withdraw from my IRS refund 8 times. On the 9th time at the ATM my transaction was declined. Credit Karma had put a lock on my account.This happened on XX/XX/XXXX. 
I have complied with Credit Karma in sending them info to unlock my Credit Karma checking account. Todays date is XX/XX/XXXX. 

My Credit Karma account, {$8700.00}, is still locked and Credit Karma is ignoring my attempts to email them for a resolution. Their email address is " XXXX '. 

XXXX XXXX XXXX XXXX XXXX, California XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: FMA Alliance, Ltd.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I keep getting phone calls from this company as well as paper correspondence when I have asked them to stop.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-04-26
Company: EQUIFAX, 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:
See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
See the documents attached. 

This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report 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 2022-10-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have already sent XXXX requests but the accounts listed below are still reporting on my credit report and are violating XXXX XXXX. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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:
See the documents attached. 

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 2023-04-26
Company: EQUIFAX, INC.
State: IL
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: DLC, LLC
State: NV
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:
In ordinance with consumer law 15 USC 1681 section 602 right to privacy this law was violated and i would like to have debt removed off of my report and it has impacted my XXXX XXXX. Ive tried to speak to debtors directly to have this resolved but hasnt been. Dollar loan center and the debt was sold to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I'm attempting to transfer funds and close an individual investment account held by Axos Invest. I've attempted contacting their customer service by phone, email, and secure message over a dozen attempts over the past few weeks. I've also initiated a securities transfer request with XXXX, which Axos blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Id like to cash out my IRA that was issued on XX/XX/XXXX, by XXXX XXXX at the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Attempting to contact them by phone for the last 3 years has been unsuccessful. Ive called dozens of times and only got a live person 3 times. The first one said Id have to come in in person, which is impossible because Im living in Nebraska now. The other 2 times I was told someone would call me back but nobody ever did. The redemption value was {$2100.00} as of XXXX XXXX, XXXX. 

FIFTH THIRD BANK XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX phone ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
By my understanding credit reporting need to be accurate on all 3-credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX has a status as paid and is still showing under collections. 
The next account is BMW financial It has been closed for years and all of a sudden has a balance update of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This account also is not accurately reported on my other credit reports XXXX due amount {$25000.00}, it also says a status of charge-off. In the comments it is transferred to recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: CMRE Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I NOTICE A NEGATIVE ITEM ON MY REPORT FROM CMRE FINANCIAL SERVICE AND SUBMITTED A LETTER TO THEM ON XX/XX/2020 ABOUT THIS ALLEGED DEBT OF XXXX $ THAT I DONT OWE.I HAVE ATTACHED A COPY OF THE LETTER WITH THIS COMPLAINT OF WHAT I AM ASKING FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Penn Credit Corporation
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The amount is XXXX. The account was open in XXXX and closed XXXX. I have been on military orders since XXXX, I also lived in ct from XXXX then XXXX XXXX until i left for the XXXX. The person the account belongs to is not taking accountability on the account,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation