BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX Case Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete for Violation

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 2017-08-25
Company: Experian Information Solutions 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:
I have reached out to XXXX and Experian several times to make correction to what is reported on my credit history : 1. XXXX is reflecting 5 derogatory accounts on my credit history when there 's only 1. For example it shows my student loans as being delinguent when in fact if you review my payment history you will see that i have always paid on time and paid what is expected. I disputed this several times yet there has been no correction.
2. Experian is also showing 3 derogatory listings on my account when there only should be 1. I have disputed this several times as well and still no changes.
Similarly I reached out to these agencies regarding the hard inquires and the incorrect reflection of these hard inquiries stating that not all of the companies received permission to run a hard inquiry but this information is still reflected on my account. I am not sure what to do at this point with the incorrect information reflected.

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 2017-08-25
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, I mailed a certified letter return receipt to transunion credit! XXXX # XXXX XXXX XXXX XXXX XXXX. 

Requesting them to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C.s1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX cu # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Florida XXXX XXXX docket # XXXX Transuions re-investigation result say that my disputes not specific ; verified and updated. 

However they have not supply to me the verification documents that I have requested that they used to verify these accounts which is my Right under the Fair Credit reporting Act.

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 2017-08-25
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good Evening, On XXXX FedLoan Servicing granted me an administrative forbearance for my IDR ( Income-Base ) Repayment plan because they have failed to process my documents in a timely manner. My annual repayment plan is configured and renewed every XXXX for the following year. Unfortunately because they put an administrative forbearance on my account, they financially made a monetary error by capitalizing my interest which should have never happened in the first place! 

I have sent all of my paperwork in a timely manner since XXXX/XXXX/XXXX. The correct amount before interest was capitalized was a balance of {$29000.00}. The incorrect balance that my student loans is currently at is {$32000.00}. The amount of interest that should not have been capitalized at this time frame is {$2600.00}! I still have 18 years to go on my consolidated student loan plan before interest is capitalized and my loans are forgiven! 

Now that FedLoan Servicing has an administrative forbearance on my account each month will not count as a payment towards the 18 years left that I still have on my plan. This is unacceptable and the correction should be made in a timely manner! Please respond to this problem. I greatly appreciate your time and effort in reading my problem with FedLoan Servicing. 

Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX store finance card from Synchrony is a predatory company that no one should ever borrow from. They provide VERY deceptive information about " late payment '' fees and the date these payments due are revolving. The charge is absolutely absurd as well and once an account is " closed '' they wo n't work with you to resolve any issues only ding you with massive late fees etc and laugh their way to the bank.

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 2017-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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 work for the Consumer Financial Protection Bureau and by law ca n't have my phone for privacy reasons so it is left at home. I got home and immediately scheduled my payment. It indicated it would not post until XX/XX/XXXX and was due XX/XX/XXXX. I was devastated. I immediately called and spoke with XXXX and he stated he could not process on the XX/XX/XXXX since it was after XXXX XXXX EST ( XXXX EST ). I asked to speak with a supervisor and he connected me with XXXX (? ). He told me he could n't accommodate me. I asked to speak with his supervisor and was advised I would be able to speak with her in 24-48 hours. I have been a card holder since XX/XX/XXXX and have never been late. My payments have either been early or on time. I advised I had the same issue with XXXX credit card and they were understanding and accommodating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Experian Information Solutions Inc.
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:
Unknown account XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$1100.00} Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone XXXX XXXX XXXX XXXX Contact Address XXXX XXXX XXXX, XXXX, DE XXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History

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 2017-08-25
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:
As stated in previous messages, I am requesting physical validation from your source that this bankruptcy debt is mine. I do not care for a written statement without proof, this is the second time I have stated this and if you do not provide physical proof you 're in violation of my right and I will be force to seek legal action at this point. 
I am requesting that ALL accounts that is attached to such bankruptcy be deleted and an update credit report mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
With out notice J.P. Morgan Chase restricted my account by my debit card Tuesday XX/XX/2019. On Thursday XX/XX/2019 I went into A branch after being advised by a customer service representative that my account would actually be closed. I went into the branch to see how I can remove the funds that are in there currently in as well as if my direct deposit from my place of employment would be returned. The bank associate and the customer service representative assured me that the funds would Post but they may take an additional business day. That Saturday I attempted to go inside of a branch yet again to retrieve my funds that actually did post on Friday, XX/XX/2019. Upon looking at my account I realize that the funds have been reversed and no longer were present on my current statement. Ive been called and I was told that it may take two business day stating Tuesday, XX/XX/XXXX would be the date that my funds would be available to withdraw from a bank teller only. Now, Chase is informing me that I will be mailed a check into the three business days to recover the funds that are owed to me and left in my account currently. Unfortunately, This has put me in an additional financial bind do two fees from late rent late car payments, etc. I am not being a short or giving written notice that these things will actually occur so that I have peace of mind in fact Chase has handled my situation grossly I even had a bank teller inform me that my account looks suspicious after giving me a suspicious look myself. Although I know that Chase reserves the right to close my account at any time I do believe that their protocol has been in the past to give notice in the form of a written document. I am not being a shored or giving written notice that these things will actually occur so that I have peace of mind in fact Chase has handled my situation grossly I even had a bank teller inform me that my account looks suspicious after giving me a suspicious look myself. Although I know that Chase reserves the right to close my account at any time I do believe that their protocol has been in the past to give notice in the form of a written document. This situation is truly affecting my livelihood and they dont seem to want to deal with Me professionally. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
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 is missing that should be on the report

Complaint:
I reached out to Equifax about 2-3 times within the past few months to get my credit card reported however they 've failed to do so. I 've emailed and called them. I first emailed them on XX/XX/XXXX and notified them that my credit union had sent them information regarding my credit card. I then called them about 2 weeks ago and asked if they had received the information to update my report. They stated that I would need to reach out to the credit union to have them submit the information. The credit union has sent me confirmation of what they 've sent to Equifax on XX/XX/XXXX. It 's been almost 2 months and my credit card still is n't being reported. Equifax told me it would only take 30-45 days to update this information. I 'd like my credit card to be reported to them as soon as possible, as this will boost my score and will further increase my chances of purchasing a property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 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 2017-08-25
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:
I have reached out to Transunion and XXXX several times to make correction to what is reported on my credit history : 1. Transunion is reflecting 5 derogatory accounts on my credit history when there 's only 1. For example it shows my student loans as being delinguent when in fact if you review my payment history you will see that i have always paid on time and paid what is expected. I disputed this several times yet there has been no correction. 

2. XXXX is also showing 3 derogatory listings on my account when there only should be 1. I have disputed this several times as well and still no changes. 

Similarly I reached out to these agencies regarding the hard inquires and the incorrect reflection of these hard inquiries stating that not all of the companies received permission to run a hard inquiry but this information is still reflected on my account. I am not sure what to do at this point with the incorrect information reflected.

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 2017-08-25
Company: EQUIFAX, INC.
State: PR
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:
This is the second time I ask CFPB to intervene for the same issue ( see my past complaint XXXX ) and the fifth time I fight against XXXX XXXX for the same thing. Since XX/XX/XXXX, my credit report showed unauthorized XXXX XXXX XXXX hard inquiries : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. They have been removed after a long process and several mails and phone calls. Several fraud alerts have been activated during the entire process but the unauthorized inquiries never stopped. 
Today, checking my credit report on XXXX, I figured that on XXXX/XXXX/XXXX Equifax reported AGAIN a XXXX XXXX hard inquiry. I am really tired of doing this every time in fact is my intention to sue XXXX XXXX if, after this complaint, they will not fix the problem PERMANENTLY. 
Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased three vanilla visa gift cards in the past two days someone got into them and took all the money. These events happened between XX/XX/2022 - XX/XX/2022. The amount of money that was taken was about XXXX XXXX I contacted the company two times already and they have barley done any action. I also contacted XXXX and they said I had to take it to the gift card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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 ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Law Office of Linda Strumpf
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted in or around XX/XX/XXXX by a collection agency claiming to have a judgment against me and demanding payment. The judgment was supposed to have been imposed in XX/XX/XXXX for a debt that I knew nothing about. I never knew about the judgment until XX/XX/XXXX when I received the first communication. I have written to the collection agency and both of it 's " attorney 's '' stating the debt is not mine and they must have the wrong person. I have asked for validation of the debt and all I received was the judgment order from XX/XX/XXXX. I was threatened with wage garnishment and now a subpoena to show all of my financial assets for the last 3 years. I have contacted the original creditor they claim I owed and they have no record of me owing this debt. I have relayed that to all parties involved and I am still getting threatened with legal action. I have overwhelming proof that this debt is not mine and since I never knew that this judgment was filed against me. It has cost me a lot more than what I have spent trying to get this cleared up in the recent months.

Company response to consumer: Closed with explanation