BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a 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.

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Recently, Chase Bank became the services of my home loan. I live in a flood zone and maintain flood insurance as required. However, a monthly escrow payment is included with my mortgage payment in order to satisfy the contracts and regulations requirements for maintaining current and adequate insurance, this includes flood insurance. Chase failed to pay XXXX {$950.00} upon renewal notice for my flood policy. A notice of force placed insurance was sent to me requesting evidence of adequate insurance. However, this is Chases responsibility. On XX/XX/23 I contacted their customer service and was advised that an overnight check would be sent to XXXX to satisfy the payment and renewal my policy. Regrettably, this only resolves the matter of a lack of payment but does not resolve my genuine concern for the root cause of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: TN
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:
If you 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 you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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. 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 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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2023-10-12
Company: OneMain Finance Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2023 around XXXX XXXX  received a knock on the door from an assumed process server. The man handed me a fax copy letter with my service address and another address of an unknown party. I contacted XXXX & XXXX and was unaware of the process server. The debt collector information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Hi, Happy Holidays, Please refer to my previous complaint XXXX it is the same company, I used my card for an online transaction of {$61.00}, when I tried to make another transaction it was declined, I called their Customer Service on XX/XX/2023 requesting a copy of my transactions, the representative said she will mail it out to my home address, until this minute I Never received any thing from this company. 
I called them out today they said they need copy of my DL, I mentioned to the rep that when I activated the card they got my Name, Address, Phone and Email, I asked her to send to the email or the home address she has on file the rep XXXX said she can not do that. 
I mentioned that after my first complaint they mailed the new card to my home address without calling or asking for any documents. 

This Company must be investigated and Audited as they are playing games and I am not sure if they are doing the same with other people. 

They are blocking accounts and declining transactions for no reason and resolve the issue with them it is Impossible to resolve. 

I do NOT trust this company for their actions, I asked to talk to a manager, they said they do not have a manager, what kind of company is this that they take my money any when there is an issue it CAN NOT be resolved peacefully, Please inform all departments of Federal to investigate and audit this company as it looks like they are either blocking or holding the balance and benefiting from this some how. 

This company MUST publish phone numbers for Fraud department and/or Executives in case public needs to resolve issues instead of getting the Consumer Finance office every time, this is unbelievable. 

If no action will be taken I will file a claim in court just to put an end for this disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: FIRST PORTFOLIO SERVICING INC
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
When trying to close my credit card account, I was put on hold for a significant period of time while the operator tried to find " supervisor '' who was apparently the only one that could close my account. I was on hold for over an hour with the operator coming on every few minutes to make sure I was still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A XXXX XXXX account is showing updated on my credit profile constantly updating the information from 180 days late to 120 days late and I do not own this account I would like it removed immediately from 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 non-monetary relief
Consumer complaint received 2023-02-26
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Closed my Macys credit card on XX/XX/XXXX because I learn when I tried to use the card in store was told my account was closed on XX/XX/XXXX by Macys for Inactivity. Called on XX/XX/XXXX spoke to XXXX ( Supervisor ) employee no. XXXX who said, she would close my account with Macys but XXXX instead of closing my Macys account XXXX opened without my authorization/permission another credit card with Citibank because Citibank bank is the credit center for Macys. So I only know the last 4 numbers of that new account XXXX opened in my name with Citibank because XXXX sent me a letter showing the new account number ( only last 4 digits ). I have called several times requesting different representatives to close both accounts but it has fallen on deaf ears. I have even asked Macys FRAUD Department, Macys local store manager, Macys Credit Department, and Citibank Credit Department to close both accounts with NO success.

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 2023-08-19
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: Their investigation did not fix an error on your report

Complaint:
I sent my letter off on XX/XX/XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 
According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, personal characteristics, or mode of living is obtained with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated the accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to FRCA 15 USC 1681 everything must be accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6.Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5.Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: Experian Information Solutions 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:
Greetings, I requested that XXXX and Experian to update my personal information on my credit report on XX/XX/. The information that was requested was to remove all previous or address that inaccurate on my credit report and only use the address. 

XXXX XXXX XXXX, XXXX, XXXX XXXX Also, I requested all phone numbers to be removed from my credit report and change my work history to XXXX. 

As of now, the information still remains on my credit report, and I would like for the information to be deleted. 

Also, the only name that should be on file is 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 2023-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a customer with Capital One since XXXX with the account ending in XXXX. I informed Capital One of my XXXX XXXX situation and requested payment options. They advised me they could offer no further payment assistance and as long as I made my payment by end of the day on XX/XX/XXXX, I would not be past due or have any type of late fee. I made a payment around XXXX XXXX on XX/XX/XXXX and Capital One did not post it until XX/XX/XXXX and then proceeded to charge me a {$29.00} late fee on the account. After speaking with XXXX supervisors, they all declined to waive the charge stating they weren't able to. The charge shows on my account as authorized on XX/XX/XXXX. This is a very customer unfriendly policy. As a long time customer who is traditionally on time ( early ) payments, Capital One failed me when I needed assistance by not waiving the fee and not clearly setting expectations when I spoke to them about the situation in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase closed my account on XX/XX/2023 without a notice ahead, which caused lots of inconvenience and loss of money to me. I called the company for more information but they didn't give any information and help to me. They just said my account was closed and can not be reopened anymore. I still have over {$3600.00} in my account when closing, so I called chase for the money back. After several calls, they said they have mailed over {$2800.00} to me, but there are still {$820.00} in my account. The {$820.00} was from five checks. One of them was a bonus check from my employer with my nickname on it. Four of them are checks from my friends, with their name on it. ( My friends are new here and haven't got their US bank account at that time. They can not deposit the checks so they asked me for help. The checks were cash backs from their brokers company. ) I called chase again and again to get my money back. The customer service attitude was very bad. They told me that they could call the check issuer to get them verified, and I did give my employer 's and my friends ' numbers to them. But they said the numbers were not verified in their system. How old their system is? The system is totally out of date! I got my employer 's number from XXXX and the company 's website. The company has been several years! It's ridiculous that it's not verified. They can not verify my friends ' numbers as well. Does it mean that they could always keep my money as long as they always say the numbers are not verified? Is that one of the ways Chase make money? All they need to do is say We can't verify your numbers ' and they'll keep holding my money. How unfair is it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Well I keep trying to get a hold of my 2nd mortgage loan application with 21st Mortgage. Allegedly XXXX XXXX had my Customer File XXXX XXXX and XXXX XXXX had my Loan Application # XXXX. I contacted XXXX on XX/XX/XXXX. He sent me my loan application for # XXXX and informed me that I had to contact XXXX in order to get my other application with 21st mortgage so I called and Ive emailed and I cant seem to get a hold of XXXX only XXXX who wont inform me of any information. This is a very concerning matter because I was denied and then approved with 21st mortgage application # XXXX and on XX/XX/XXXX XXXX sent me an email stating that underwriter. It was not approved since the home is not already set up on the property. 
For a new home purchase, you will want to apply through a retailer/dealer. Application # XXXX Which was for the home I wanted that was with XXXXXXXX XXXX XXXX. The next thing I know I never hear from the XXXX XXXX and I get a new modified XXXX XXXX pre-qualification and that has been the worst most horrible thing my family has ever gotten. We chose to go with XXXX because we thought it was the only retailer that was going to give us a house. We thought we didnt make enough money or have enough income so we were stuck with only one option. I can not understand what happened to me without being provided my other application with XXXX XXXX XXXX Please help me so that I might find out exactly what happened to me and why my family is getting evicted now in 7 more days. I have already logged back into the 21st mortgage portal and XXXX has already removed the correspondence between us. 

And strangely enough the sales person we had was XXXX with XXXX XXXX homes. He left before we finished closing and now he works with XXXX at XXXX XXXX XXXX. And we cant seem to get our 21st application for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please review the attached documents. I request the bureau to commence an investigation into these accounts, as I have never been late, yet they are erroneously reporting me as such.

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 2023-03-03
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2022, I purchased an XXXX XXXX I didn't like it called Best Buy on XX/XX/XXXX to say I was not happy and was returning tv, it was picked on XX/XX/XXXX by a person named XXXX did not give me a receipt he said I would get an email, which never arrived since then I made a dispute with Best Buy and Citi Bank, called almost weekly. Now it's affecting my credit.What a nightmare will not shop at XXXX again.

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 monetary relief
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Filed a complaint about the inaccuracies of information on my consumer report, company did nothing and the report is still the same ; of which I never gave consent or authority for items to be placed on my consumer report in the first place. Previous complaint number # 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