BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
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: Information belongs to someone else

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/XXXX XXXX XXXX  I sent Transunion a letter to get the the validity of the bankruptcy reporting on my credit report. They responded with a letter stating that they verified the information through XXXX XXXX. I went directly to XXXX XXXX to dispute this item and XXXX XXXX could not verify this item, so they deleted it from their own database. 
Then I went back to Transunion on XXXX XXXX XXXX  as well as XX/XX/ and showed them that the bankruptcy had been deleted from XXXX XXXX informing them that if they could not reveal how they verified this item then it needed to be taken off my credit file according to the FCRA. Then of course once again Transunion verified it and refused to delete this bankruptcy. This bankruptcy has impeded my ability to purchase a home especially in the market that we have right now and is causing me to pay thousands more in interest per year as long as it has been on my report. Which has been since about XXXX This item needs to be deleted from my credit report if it can not be verified within 30 days.

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 2021-06-16
Company: ALLY FINANCIAL INC.
State: MI
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:
Due to Covid-19 pandemic forbearance program regulations, the law states that no late payments are to be reported to the three financial credit reporting bureau during the Covid forbearance period. I have 30 day late payments on my report that I want removed because I was negatively impacted and a victim of Covid-19 and legally these late payments should not appear on my credit reports. I contacted the creditor, Ally, in XX/XX/2021 about these payment was told that a request for removal would be submitted to a supervisor and that I would hear back. To this day, XX/XX/2021, the late payments have not been removed and I have not heard back from Ally about removal.

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 2021-12-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
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:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on 5/3 BANK NA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

5/3 BANK XXXX XXXX Opened : XXXX/XXXX/2017 Balance : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Premier Student Loan Center
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2017 I inquired with the Premier Student Loan Center about reconsolidating my student loans from my XXXX degree. The gentleman I spoke to told me that once my application is approved, I would have to pay a fee which would be divided into 4 payments to get my application started and that would go towards my loans. First problem, I never received a copy of my application to review, only emails from the company. After the payments and future payments were deducted from my account, I did not hear from this company unless they did not receive a balance. As months passed, I kept receiving statements from my " previous '' student loan provider. My balance continued to increased with no payments being added from Premier Student Loan. Also, I never received any receipts for any of my payments I made, and each time I would inquire about getting a receipt for my payments, they always have an excuse as to why I cant receive it. Many times I would call this company during their " business hours '' and I would not receive an answer and if someone told me they would call back, they don't honor their word. I would have to call the company back after days of waiting for their call. Each time I would speak to someone, I would always to be something different from the previous representative. My payment for this month has not been deducted from my account and I can't get an answer from the company to figure out what is going on with my account. I have tried to give this couple a chance. Now I realized that everything I have been told from this company is a lie. I am disappointed in this company and all the false promises they have made. I want to cancel my account with this company!! In addition, I want a full refund of all the money I have paid including all the interest that have accrued on my student loan account during my years with this company. If not, I will get a lawyer involved!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the XXXX  XXXX XXXX XXXX XXXX. I have learned that XXXX claims to have a disclosure and an agreement that there is a XXXX XXXX for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: JPMORGAN CHASE & CO.
State: SC
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX XXXX, XXXX  I am sending this request myself XXXX  address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

JPMCB XXXX XXXX Opened : XX/XX/2015 Balance : {$8800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: VW Credit
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX  XXXX-Date of inquiry XX/XX/2021

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 2019-01-03
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America, XXXX XXXX, and XXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00}. The Account Opened is XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2017-10-23
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
called office dispute the bill, I asked for a manager they refuse to transfer me to a manager, spoke with a rude collection rep, who told me the account was n't in dispute and that I need to pay the bill or they would go ahead and sue me and if I did n't pay the bill that I could get arrested. I hung up the phone. In XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: FIRST REPUBLIC BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
- On XX/XX/2021 we made a home load inquiry with First Republic Bank. 
- On XX/XX/2021 we received a response from Relationship Manager XXXX  XXXX  ( NMLS # XXXX ). Their NMLS profile is here : https : XXXX - XXXX XX/XX/2021 we discussed the loan application with XXXX over the phone. 
- On XX/XX/2021 we submitted out loan application online. 
- On XX/XX/2021 XXXX first informed us of a new requirement for the loan : " moving over [ our ] current brokerage account [ s as ] part of the purchase transaction relationship. '' This was the first time we were informed of the requirement, and we could not find it mentioned in any document provided by First Republic. 
- On XX/XX/2021 we asked for clarification : " could [ First Republic ] share a document that outlines all the requirements we need to meet to be eligible to get a mortgage through First Republic? '' - On XX/XX/2021, we received a response from XXXX, but no formal documentation was shared. There was simply the statement " Since we are giving you the loan and the savings, we in turn want to be the beneficiary of your funds/deposits instead of the funds going to an outside institution who is not able to provide you with the same great loan program. '' - Given the above, we believe that First Republic behaved in an unethical & discriminatory manner. Only after First Republic gathered all of our sensitive financial data did they mention we would have to move over all of our investments to work with them ; furthermore, they never provided any proof of these terms/requirements with official First Republic documentation . This is deceptive ( they should have been clear about requirements before gathering our sensitive data ) and discriminatory ( if our financial data looked different then First Republic might have made different demands- in fact, the demand to move over our assets only came up after a particular brokerage account was mentioned ).

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 2021-12-08
Company: EQUIFAX, INC.
State: GA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, XXXX  continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This Bankruptcy was XXXX as of 2019

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 2022-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 was an authorized user on this account and was removed. I have no other business with this account and demand for it's removal from my credit reports. Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Saturday XX/XX/XXXX my bank account was overdrawn of $ XXXX from XXXX and XXXX. XXXX charge is {$100.00} and XXXX {$86.00}. However, I did not authorize the XXXX charge. I deposited {$100.00} in my account which brings it down to - {$86.00}. I called Chase to dispute the charge ; a Chase Rep from the claims department told me the money is credited back and everything is fine. The next day on XX/XX/XXXX, I notice my account is still - {$86.00}, so I called Chase to inquire about the claim I did and the Chase Rep stated the system is down, there's nothing they can do about it, have a great day. I called the next day XX/XX/XXXX, a Chase Rep stated XXXX is still pending and how it has to be posted in order for me to get credited back. The overdraft fees will all be reversed once also after XXXX is posted. XX/XX/XXXX, I was charged three overdraft fees of {$34.00} and XXXX was posted to my account. I was credited the money but only one overdraft fee was reversed. The Chase Rep lied and did nothing to resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. XXXX XXXX  account # XXXX, has violated my rights. 

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.

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 2019-11-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX VIA XXXX XXXX XXXX Date : XXXX I did not authorize this car dealership to run my report. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. If you have no proof I would like it removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Upstart Holdings, Inc.
State: NY
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 accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
So I have a account with chase and I had a dispute for fraudulent transactions that I didnt authorize but chase denied and refuse to help me at all honestly I would highly not recommend chase got with XXXX or XXXX is a way better option than chase they are terrible with customer support and dont expect them to help if you money ever get stolen they will only tell you sorry we cant help it seem like this was authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I BEEN TRYING TO DISPUTE ACCOUNT - XXXX XXXX  - XXXX FROM TRANSUNION, ONLY TRANSUNION HAS REPORTED THIS ACCOUNT ON MY REPORT, THIS ACCOUNT IS RESULT OF FRAUD ACTIONS ON MY BEHALF. PLEASE HELP ME TO COMMUNICATE WITH TRANSUNION AND REMOVE THIS NEGATIVE ACCOUNT FROM MY REPORT, IT HURTS ME EMOTIONALY ALREADY

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 2017-10-21
Company: EQUIFAX, INC.
State: FL
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:
From the months of XX/XX/XXXX through XX/XX/XXXX, I have disputed this unknown medical bill on my credit with Equifax, that it is " Not mine, please delete from file. '' I have even called in and spoke to at least 3 different representatives in the last 6 months about removing this erroneous/fraudulent account from my file. Equifax has ignored ALL attempts to get this resolved and has made it hard for me to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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: Old information reappears or never goes away

Complaint:
I have called Transunion advised of only job XXXX is what should be on my record as well as address XXXX XXXX  XXXX XXXX XXXX tx XXXX and number XXXX XXXX XXXX seems they are have a issue with complying to demands of my consumer rights once again with readded loan me as a job for me which is not and should not be on any record of mine ... once again im being violated by a CRA that is using there status to infringe me in ways they should not be able. They are causing me unnecessary stress.i have proof it was removed so no way in the world that it should of been reverted and put on my file or report. 



i want loan me removed effectively today. or i will be seeking further litigation to there violation of my rights and refusal to be compliant to my demands.

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