BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Trans Union is reporting a collection as a " OPEN ACCOUNT*which is not under FCRA compliance . This is inaccurate reporting and needs to be removed immediately. I tried to dispute directly with Transunion and XXXX back verified and I will like the documentation used to verified or they need to remove the account. 

Please send me a copy of my credit report when the above deletion has been removed.

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 2017-04-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chex Systems is not complying with federal laws in regards to its records of me in its databases and what it reports I placed a consumer freeze on my credit file before and like magic it disappeared so today i placed one again. I check my XXXX credit report and they are letting their agency subscribers defame my name and character of debts that were charged off by which creditors have been paid for by writing them off as a loss on their business income taxes. The debts are now being reports XXXX times as if i owe the amounts XXXX times since 1998. by the fair debt collections practices act these items should have been purged and deleted outside of statutory limitations. These items under federal law should not be on my credit report by which they are and now i have submitted them to my attorney to pursue actions against them for trying to report them on my credit reports.

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 2017-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 pulled up my credit report from all three credit bureaus, XXXX, XXXX and Trans-union, and noticed there was a listing of Chapter XXXX Bankruptcy filing on XX/XX/XXXX on my report, the furnisher is the XXXX Bankruptcy Court. 

I wrote a letter to the Arizona Federal Court on XX/XX/XXXX requesting they send me the procedure for verifying bankruptcy information with three major credit bureaus, i got a call back from the court stating they DO NOT furnish any information to the credit bureaus. The credit bureaus are providing false information and they are in violation of the Fair Credit Reporting Act. 

I wrote dispute letters on XX/XX/XXXX toXX/XX/XXXX to XXXX, XXXX and Trans-union on the bankruptcy and they all responded back by saying the information was verified.

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 2018-06-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Credit reporting agencies took longer then 30 days to investigate a matter I broughtvto their attention over 1year ago XXXX XXXX notified me of the results either They are reporting a negative and fraudulent account that doesn't belong to me They are reporting XXXX XXXX and this account does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
EOS CCA is attempting to collect on a account that dont belong to me. I was resently notified by my credit monitoring service that I have a collection account that just appear on my credit file. I am not the rightful owner of this inaccurate and illegal account. I have never live at the address associated with this account. It is showing a address XXXX XXXX XXXX XXXX XXXX Massachusetts. This is the same inaccurate and illegal account another collection company XXXX XXXX XXXX XXXX attempted to collect on. I file a complaint with the CFPB on XX/XX/XXXX of last year and had this exact inaccurate and illegal account remove. These collection company just move these inaccurate and illegal account from one collection company to another placing them on customer credit reporting Hoping someone that doesnt own the account just pay. These collection company know that this is unlawful and violate the Fair Credit Reporting Act requirements. 


I am providing proof documentation of my State issued drive license as proof of my address for the past 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am a consumer and my consumer right continue to get violated by Transunion. A collection account from XXXX XXXX XXXX have been removed from reinserted back on my consumer report 3 different days. It was removed on XX/XX/ 2022 and reinserted same day XX/XX/XXXX, removed XX/XX/2022 and reinserted same day XX/XX/2022, and it was removed XX/XX/2022 and reinserted same day XX/XX/2022. I am not a consumer expert but I know this is illegally because they were to notify me in writing 5 days before its get reinserted back on my consumer report. I have sent them 3 letters and nothigns has changed. I'm looking forward to taking care of this matter 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 2019-08-05
Company: EQUIFAX, INC.
State: OH
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:
My complaint is the the three credit agencies. I closed two credit cards because I didn't need them. They were at XXXX balance and they were never late on payments. Now because I closed the accounts they drop my score for no reason. What can I do. I don't need the credit cards and the country is in enough debit, I sure I'm not the only one that this has happened to. Now because I closed those accounts two of my other cards thought I was in trouble and lowered my balance and I've never been late with them either. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018, I was paying some bills including two of my Bank of Americas. I noticed on the site that only three of them were present, so I immediately called them to see what happened and they told me all six of my accounts were closed. A few weeks before I payed off some of them by doing a balance transfer. Most now have a XXXX  balance. They couldn't give me any information but mentioned a certain department to contact. The Specialties account review unit. All of my accounts are in good standing I've never had any late payments. In the past, I've had to complain about customer service. I told them I've been with a company to work on my credit score.

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 2022-08-30
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: Was not notified of investigation status or results

Complaint:
Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022 but to now, a month has passed. I still haven't received any response from you yet. I was told by a legal expert from an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letter. I sent it on XX/XX//2022 but to now, a month has passed. I still haven't received any response from you yet. I was told by a XXXX XXXX from an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2017-08-28
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX XXXX, 2017 I returned an item to XXXX in XXXX XXXX, MD. The amount of the return was {$26.00}. The return amount was credited back to my American Express Bluebird card, the same card it was purchased with. 

On XXXX XXXX, 2017, American Express Bluebird received the credit to my account but refused to release the money back into my account in a timely manner. Instead several days later the refund is still held up and not released back into my account. When I call them they say it can take several days. This is different than other credits to my account less than a week earlier. The earlier credits to my account were processed in 1-2 days from the merchants point of sale device. 

What American Express Bluebird is doing is holding my money to use for its own purposes and I believe this violates my consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022 but to now, a month has passed. I still haven't received any response from you yet. I was told by a legal expert from an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-03-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Im unable to open a bank account anywhere even after paying off the debt that I did not owe. I called the branch that I had the account with and they blamed me! Nothing has been done. All of my information was stolen from me my freshman/sophomore year in college and was used to put fake checks into my account. Ive been trying for the past four years to get another bank account and or credit Union and it wont work. I need a bank account it is now 2022 and this is out of hand. I feel lost and uninformed on what to do to fix this so that banks can stop denying me! I have a copy of my reports but I dont know what to do with the information. 

I have done everything to try and clear my XXXX XXXX XXXX, reached out to all of the banks and they say my name is cleared yet I am STILL Unable to open up a bank account with anyone!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We have been with Wells Fargo for decades.
The business accounts and personal accounts of myself and my 2 other business partners have all been closed by Wells Fargo. Worse, all of the accounts of our minor children and adult children have also been closed.
In all something like 20 to 25 accounts have been affected.
They refuse ( so far ) to explain why.
I am certain a mistake has been made somewhere. I run a good business and have done so for 27 years. I am 100 % certain that if we are told what the problem is, we can resolve it to anyone 's satisfaction.
However we are not being given a chance to explain. We have been told that we have 35 days ( from the date of the notice, now about 8 or 9 days old ) to find a new bank.
Somewhere, someone has made a terrible mistake.

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 2017-08-29
Company: Ocwen Financial Corporation
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: Investigation took more than 30 days

Complaint:
GMAC mortgage discharged XX/XX/XXXX, GMAC sold mortgage XX/XX/XXXX to XXXX. GMAC files bankruptcy XX/XX/XXXX.  XXXX reports loan discharge XX/XX/XXXX.Loan paid off XXXX. GMAC reports discharge XX/XX/XXXX -4 years after discharge, 6 months after 100 % payoff yo XXXX. 
XXXX refuses to correct in spite of overwhelming documentation to the contrary. 
GMAC writes they have no record of loan. 
OWCEN/GMAC Has no record. 
XXXX duplicates mortgage chap XXXX discharge. 
XXXX claims issue is GMAC 'S.

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 2021-11-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have an account on my credit report that is reporting incorrect information that has been withholding me from seeking new lines of credit. I have indeed disputed this account with Experian on multiple occasions such as XX/XX/2021 & XX/XX/2021 amongst other dates. The account is from XXXX XXXX and the payment history reporting is indeed incorrect on this account along with an incorrect balance. Since I've sent the dispute letters on XX/XX/2021 & XX/XX/2021, I did not receive a response from Experian within 30 days as required by law. According to federal credit laws that are stated in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they indeed do not respond within this time frame, they must remove the negative listing disputed. Attached below are the certified mail certificates showing proof of my disputes. I have tried relentlessly to remove and correct these erroneous accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.

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 2019-08-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
In XXXX, I set up a {$1500.00} burial account for my then XXXX-year old mother who lost her eyesight and had to move into a long term care facility, at Citizen 's Bank in a " green savings '' account. She also has a checking account there where her social security payments are directly deposited. I am the executor of my mother 's estate and was told when I set up the account that there would never be fees withdrawn from this {$1500.00} burial account. 
I just noticed that on XX/XX/XXXX, a {$10.00} ( dormant account fee ) was withdrawn. I called Citizen 's and they told me that unless a deposit is made every month in the burial account then she will be charged $ XXXX/month going forward. 
The government only allows my mother to hold {$1500.00} in this account which is purposed for funeral expenses. I was told that Citizen 's has now changed its policy and will withdraw $ 10/month from this account unless a deposit is made, and that I should know because it is in her paperwork. I can not move the {$1500.00} into her checking account while she is in long term care because the government will not allow her to exceed {$1500.00} in her account and she will be forced to turn it over to the long term care facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Beginning on XX/XX/2022 Fraudulent activity began occurring in one of my checking accounts with Chase Bank. On XX/XX/XXXX XXXX issued a statement which was not received by me until XX/XX/2022. At that time I attempted to make a claim for this and although I waited on hold for more than 60 minutes, I could not wait any longer. I did not get back to this matter until I noticed through my online banking in early XXXX that more than XXXX was missing cumulatively from my account with fraud taking place through ACH withdrawals as recently as the day before I made the claim to Chase Bank. The claim was made with the assistance of as Chase Bank representative by phone and I was to wait for a form to be sent to me by Chase in the mail which I needed to sign and return. Two letters arrived. The first letter outlined the fraudulent activity that began on XX/XX/2022 and ended on XX/XX/XXXX where there were improper credits posted to my account. The second letter outlined the fraudulent activity that began on XX/XX/2022 and ended on XX/XX/2022 where money was taken from my account. Chase acted immediately on the credits and withdrew from my account. The money taken from me they are not returning due to some excuse about how quickly they got the form back. It is unbelievable to me that they control the speed at which the letter ( claim forms that they fill out ) are sent by mail which is the only way they will send. The day they were received I signed them and proactively took them to the local branch. They do not recognize this as returned but rather they count received only when it is recognized as returned to the claims department. I also have no control over this processing /relay time from the branch to the claims department. ; I have spoken to the claims supervisor and have been afforded no relief. Further Paperwork that I have received from Chase indicates other abnormalities and misrepresentations. One letter ( attached ) clearly shows that they took action on credits and removed money from my account for claims beginning on XX/XX/2022. Another letter states that {$5200.00} of my claim has been denied because of timing of when I reported the claim to Chase. When I spoke to the supervisor she was at a loss for what the meaning was and claimed it was denied for different reason altogether. I know that reading this one must think there must be something I am not saying or that I am leaving out. I assure you this is not the case. Everything stated herein represents the facts. To date out of more than {$20000.00} stolen from my account Chase has returned XXXX, representing just one instance of the fraud perpetrated against my account.

Company response to consumer: Closed with monetary relief