BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The creditor filed on my report that I cosigned for a loan. I never cosigned for anyone. They provided Transunion a copy of the contract which show I was denied for a loan and never cosigned for anyone. All other credit agencies have removed the creditor ( XXXX ) and they have refuse to remove even when proof has been provided. I have submitted more that five disputes and they return an answer within 5 days stating its correct. I 've also filed a claim in court and added this item to my bankruptcy to have it cleared before the federal courts and informed Trans Union that it is my by chapter XXXX bankruptcy and they still continue to report the balance on my report while in bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On my credit report there is a judgement that needs to be closed and removed from my credit report from XXXX Bank XXXX, this is from when I filed bankruptcy and is still showing I owe XXXX dollars. The judgement for bankruptcy was granted and all debts cleared, but this is still appearing on all XXXX credit reports. 


CIVIL JUDGEMENT IN BANKRUPTCY CIRCUIT COURT XXXX $ 0XXXX XXXX XXXX XXXX XXXX {$3700.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
account # XXXX XXXX XXXX is reporting inaccurate factual information on my XXXX and Equifax credit report and according to the FCRA XXXX it should be removed from my credit report. Equifax is reporting the number of months ' terms as XXXX and XXXX is reporting it as XXXX. XXXX is also reporting date last active as XX/XX/XXXX and Equifax is reporting date last active as of XX/XX/XXXX which is inaccurate information and should be deleted from my credit reports, also the date of last payment is being reported by XXXX as XX/XX/XXXX, and date of last payment is being reported as of XX/XX/XXXX which is a violation of the FCRA and should be removed immediately from my credit file. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have tried to cancel my Macy 's Card on several occasions. They continue add {$2.00} fees and say the account is open. The balance is {$4.00}. I would pay the {$4.00} but they have shown in the past that they wo n't close the account. This seems very dishonest. Can you help get the account closed and not affect my 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 monetary relief
Consumer complaint received 2022-02-28
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Sirs ; I contacted Bull City about an alleged medical debt in XXXX of XXXX. I received a reply after XX/XX/21. I questioned the material that was sent to me. I was sent information that verified that a debt exited. I asked for validation of that debt. I asked for proof that the debt was mind. Something that tied me to this alleged debt. Since that time I have sent Bull City three letters asking for validation. I have not received a response. This should be very common stuff. I stated to them that if they could not validate this alleged debt, then it should be removed from my credit report. If they have more information that validated the alleged debt then send it to me I have not heard anything from them at all. NOTHING. i have mailed them three additional letters and have yet to receive a response. The information I did receive did not validate the debt. The one paper did show that a debt did exit but there wasn't validation that the debt was mine. Bull City has not replied to my letters. Again NOTHING. By law if debts can not be validated they must be removed. Bull City has not responded to my request. Nothing since XXXX.I don know if this is normal, but I don't think it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumer under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be removed. 
1. XXXX Bank XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. 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 explanation
Consumer complaint received 2022-02-27
Company: Experian Information Solutions Inc.
State: SC
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:
PURSUANT TO 15 USC 1681a ( 1 ) which states that THE CONSUMER HAS A RIGHT TO FAIR AND ACCURATE RECORDING. XXXX, XXXX and EXPERIAN ARE CONTINU0USLY VIOLATING MY CONSUMER RIGHTS AS THE NATURAL PERSON, CONSUMER AND CREDITOR BY NOT REMOVING ALL DEROGATORY/NEGATIVE REPORTING ITEMS THAT I DID NOT GIVE MY WRITTEN CONSENT PURSUANT TO 15 USC 1681b . THIS ELABORATE MECHANISM CALLED E-OSCAR, A NON-HUMAN AUTOMATED DEVICE HAS TAKEN THE HUMAN ELEMNT AWAY FROM BINDING FACTS AND PLACES MYSELF THE CONSUMER, CREDITOR AND NATURAL PERSON AT A HUGE DISADVANTAGE. THE HISTORY PORTIONS OF MY CREDIT REPORT HAS NOT BEEN UPDATED CORRECTLY..THEIR SHOULD BE NO RED X MARKS ON MY HISTORY SECTION.. CORRECT YOUR INACCURACIES OR I WILL NO LONGER EXTEND MY CREDIT TO ANYONE AND I WILL NO LONGER DO BUSINESS WITH YOUR AGENCIES 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 explanation
Consumer complaint received 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XX/XX/2017, I reviewed my credit report with Transunion and noticed several accounts and inquiries were removed off my report. Not only were they added back on, they are reporting negative. I did not receive a notification of any kind that all of this was going. I called and spoke with XXXX supposedly the supervisor in the special handling department. She was very rude and determined that I fax in proof. I 'm in the process of repairing my credit to buy a home, and I can not afford them picking and playing with my 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 explanation
Consumer complaint received 2016-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have included my initial dispute letter with transunion. In my letter i disputed several items and transunion did not investigate all of the incorrect information on my credit report. I also included my receipt of certified mail and i sent in the dispute letter. By law ( Fair Credit Reporting Act ) if they do not respond within 30 days then they have to delete the incorrect information and credit inquires that are on my credit report. They only investigated XXXX items and per my initial dispute letter I had XXXX items that are incorrect on my credit report and they only sent me a partial credit report. The best thing for TransUnion to do is to delete all XXXX items because again they did not do what they were suppose to do, Thanks

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 2017-09-26
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
please find attached the creditors letter for which they have approved of the delinquency being inaccurate for my BMW accounts XXXX letter attached ). 
i have already received approval from the creditor to have this inaccuracy removed therefore please help to have the credit reporting agencies remove these negative marks as well thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We filed and were approved for forbearance by our previous mortgage company ( Rushmore Loan Management Services ) and while in Forberance in XX/XX/2021 our mortgage company reported that we had a late/missing payment for the month of XX/XX/2021. Since then, I've spoke with MULTIPLE people from the company who have assured me they made a mistake and will get it fixed and it CONTINUES to not be fixed. I've lost XXXX points on my credit score with XXXX and when I talk to them ( which I have multiple times ) they tell me to file a dispute and it's been rejected I think 3 times now EVEN after Rushmore tells me it'll be fixed. Don't know where else to turn but Rushmore is not getting it fixed and has even rejected to return my calls the last 2 times I've talked to a manager. 
I also have a file I'm attaching SHOWING they've admitted they were wrong about this situation but still haven't gotten it fixed even after assuring me numerous times they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
As I understand it, everyone is entitled to receive a free credit report once a year from each of the XXXX primary credit reporting agencies, XXXX, XXXX, and TransUnion. From the website XXXX, I was informed to go to www.annualcreditreport.com as the only authorized site to get the free report, which I did. In following the steps on that website, I got free reports from both XXXX and XXXX with no problems or hassles. However, when I went to the TransUnion link, TransUnion offered a free credit score and a credit report for {$1.00} provided I agreed to subscribe to their monthly credit monitoring service, on a 1 week free trial. If I wanted to cancel the subscription, I had one week to do so by contacting them and notifying them of my desire to cancel. That was the only option offered. Since I needed a report from each agency, I reluctantly agreed to the subscription with the intention of canceling as soon as I received the report. I neither needed nor wanted the credit monitoring subscription. After I agreed to their terms, I received the desired report ( which was very meager in comparison to the reports provided by the other XXXX agencies, I might add ). Once I received the report I had to spend about a half hour on-line trying to find a phone number through which I could cancel the subscription. I finally found one and cancelled the subscription. About a week later, I had to do the same thing for my spouse. Again, I had to agree to a subscription to TransUnion 's credit monitoring service to get the report. I did get the report, only this time I forgot to go back and cancel the subscription. About a week later, our bank account was charged {$19.00} for the monitoring service, which overdrew our account. Since the account was now overdrawn, another charge, which otherwise would have cleared, overdrew the account further resulting in an additional overdraft fee. So now, I had the unwanted charge for the monitoring service plus XXXX overdraft charges totaling an overdraft of {$73.00}. I contacted TransUnion and they finally agreed to cancel the XXXX subscription and refund the {$19.00}. Our bank has agreed to reimburse the XXXX overdraft fees, once TransUnion redeposits the {$19.00}. Failing to immediately cancel the monitoring service was admittedly my error. My complaint is : Why does someone have to go through all of this unnecessary hassle in order to get what is supposed to be a free credit report from TransUnion?!! Neither of the other XXXX agencies put you through that ordeal, why does TransUnion. They should just provide the free report, as the other agencies do, without contingencies requiring service subscriptions. This seems to me, unethical, unnecessary, and perhaps illegal.

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 2015-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Creditor Contact DetailsXXXX XXXX enrolled me in auto-pay without my permission. They did not send emails or any other notice of payment due. The first notice was through email after my account was already 30 days late. This lowered my credit score significantly. 
XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX, XXXX and XXXX, XXXX have been misreporting to credit bureaus causing me a lot of credit damage - no housing loans, no credit increases, no new credit cards etc. Wrote to all parties concerned but no results as of writing this complaint. I have been writing to concerned parties for nearly a year but the credit providers would not give me documentation in support of alleged debt. Sent legal letters a couple of months ago and no response forthcoming.

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 2015-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Complaint number XXXX. Federal Law states that the complaint be resolved in 30-days and/or extended only 15 days. 60-days is ILLEGAL. The investigation is being extended another 60-days which is illegal in violation of federal law, Tile 15 USC 1681i ( a ) ( B ) provides in relevant part : Extension of period to reinvestigate : Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a vehicle from Ally Finanical. I never missed a payment, nor was I every even late with a payment. At lease-end, I was told I the vehicle inspection would occur at a later date and I would be informed of the findings. Due to the inability of the company to inspect my vehicle at the time that I was returning the vehicle, I was not able to correct one small issue with the return, the charger was not in the vehicle. In fact, I was not notified until I received a bill for the charger. I had returned the vehicle days before my required date, therefore, if the inspection had occurred in a timely manner I should have been given an opportunity to correct the oversight. Now, after talking with Ally, I have been getting nothing but poor customer service, or no customer service. I had requested to speak to a supervisor, only to be told that there are no supervisors. Additionally, I requested to be provided the information to contact their legal department, and was told there is no such thing. All I want to do is give Ally the charger, and be done with it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank is drafting intentionally drafting ACH charges in order of highest dollar amount first so they can collect more overdraft fees. This caused my account to accumulate XXXX additional fees than if they had paid the items smallest to largest first. The reasoning the representatives give over the phone is " we consider the higher dollar items more important in pay order than lower dollar items '' meaning that if they were going to reject payment of an Item they would rather reject payment of the smaller items than the big item. Of course this makes no sense because even after paying the largest item first they still pay the smaller items and still collect extra fees and nothing ever gets rejected on my account because they know with my direct deposit that money coming in is a sure thing. When I asked them to reverse the XXXX unnecessary fees I was told I had already received XXXX complimentary fee reversals for the year so they could not refund the fees. After asking to be escalated twice to a higher person I was told the next person would have to call me back in about two hours. That was approximately 2 days ago and still no call back. So now in addition to not fixing their wrong in the first place they are not calling me back as I was promised. This ACH payment order seems to me an obvious and blatant way to collect more fees from consumers already struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: JPMORGAN CHASE & CO.
State: AE
Product: Credit card
Issue: Billing disputes

Complaint:
1. I rent a car in XXXX and pay rental by Chase Credit Card 2. Rental car company uses my Chase Credit Card to charge additional fraudulent {$250.00} 3. I dispute fraudulent {$250.00} with Chase. 
4. Chase deny my dispute and re-instate fraudulent {$250.00} charge

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: JPMORGAN CHASE & CO.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CHASE mortgage offers all kinds of alert features, that can be sent to customers via phone email ; HOWEVER, they DO NOT offer customers the option to schedule alerts for payments for that are late, at least until after they can charge you a late fee ( i.e. after the grace period ). This of course would be easy to provide by writing a few lines of code. But no. Instead, they will only alert the account holder until AFTER they can charge a late fee. No other financial services company I use does not offer a pre-penalty alert feature. No one. Chase should be ashamed of this obvious tactic to fleece its customers of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Bankruptcy

Complaint:
I had a Chase card account that was CLOSED and DISCHARGED through bankruptcy since XXXX 2011 but still showing in my credit report. I tried to contact Chase twice via letter but they Refused to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card
Issue: Balance transfer

Complaint:
On XXXX/XXXX/XXXX, American Express billed me for a balance transfer to XXXX XXXX for XXXX. I recently ( XXXX XXXX XXXX learned from XXXX XXXX that they never received a balance transfer from American Express, and my account with them ( XXXX ) was never credited. 
XXXX XXXX concluded their investigation and requested American Express provide them with the ABA number and complete account number the funds were sent to. American Express was unable to provide the requested information stating that their records did not go back that far. I have since paid the XXXX account in full XXXX XXXX. 
I have been paying on the {$2000.00} transfer since that time. It then is my understanding that the balance transfer never occurred, if American Express does not have evidence to the contrary. I am requesting American express credit my account including any payments, paid interest and fees occurred on the {$2000.00} / balance each month beginning XXXX XXXX to current. I would like a detailed statement showing each month what dollar amount was credited. 
I will then pay any outstanding balance to maintain my credit account with American Express and remain in good standing..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX is trying to collect on a debt that has reached the Statute of Limitations. In the letter that was mailed to me, the date of debt was purposefully obfuscated. I called absolute Solutions and I was told that the statue of limitations on the debt had expired. 

XXXX XXXX was rude and disrespectful when I called to resolve the debt.

Company response to consumer: Closed with explanation