BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX XXXX ; This is unbelievable and it's been over 90-120 days and I'm not sure what's going on. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
From XX/XX/21 contacted the furnisher and TransUnion via telephone, email and certifiedd letter. Multiple attempts have been made regarding the correction, verification of information for XXXX XXXX, First issue, payment history disputed, trans union kept telling me that the information is correct and that XXXX, the furnisher verified as accurate. In an effort to get the correct information regarding the charge off amount, payment history 1st delinquent date and charge off dates, I contacted the furnisher directly via telephone, via cert mail and via CFPB complained already closed but attachments included will show the company response. I went ahed and responded to the furnisher directly because you closed out the previous complained as resolved. TransUnion deleted the information disputed instead of conducting a full re-investigation, attachment below of the results. Yesterday, I called TransUnion directly and asked them why do you keep reporting X in the payment history and the rep replied because the furnisher does not and we have to report X because the furnisher has no knowledge. I am filing this complaint seeking the enforcement of complete, accurate and verifiable information reported in my consumer report. The lack of cooperation from the furnisher only shows violation of policy, adjusting the delinquency and re-aging the status of the account. Furthermore, the balance due at the time of the first delinquency was around {$110.00} but we have a charge off amount of {$640.00} Furnisher is reporting false payment history and attempting to re-age account with the intent to continue to add unnow fees beyond the time allowed by law, the fees are in excess for example if a payment due is {$8.00} and consumer fails to make the payment, the late fee is 2-3x higher per violation vs the min payment due. Tranunion does not want to loose the business or the account and is not enforcing the furnisher agreement instead they are just omitting, deleting and not abiding by the laws of FCRA.

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 2022-02-03
Company: EQUIFAX, INC.
State: AR
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:
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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: Account status incorrect

Complaint:
XXXX XXXX XXXX reported to the consumers reporting agencies for an unpaid account three years ago and that account is now paid in the full amount. 
XXXX XXXX credit company, XXXX, and Transunion credit reporting agencies are refused to remove/delete the fully paid & closed account from my credit report history. 
Paid Date : XX/XX/2021 Amount Paid : {$69.00} Payment Confirmation Number : XXXX Paid Date : XX/XX/2021 Amount Paid : {$99.00} Payment Confirmation Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: CCS Financial Services, Inc.
State: NY
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:
Credit Collection/XXXX  XXXX is reporting a fraud account on my credit I dont know what this account is and I dont recognize the doctor affiiliated with this company. Please remove this account from my credit XXXX is a fraud account. I never opened this account nor did I use this account. 
Please see the attached FTC report and my driver license and remove this account from my credit

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX, 2017, I decided to apply for a new Chase freedom card. During the application process Chase adds an unusual step asking if the applicant wants to transfer balances. I thought it was part of the credit history full disclosure application process. I added my other CC balances to the application. I later got on the phone to discuss opening my account and the Chase representative proceeded to tell me that I needed to reduce my credit limits on my other Chase cards if I wanted to open this card. Not even once did we discuss transferring balances. On XX/XX/XXXX I got an email from XXXX telling me that I had been charged close to {$600.00} in fees on my chase credit card. I logged in to find out that Chase had gone ahead with the balance transfers without consulting me. I called the representatives and asked why they had gone through with the balance transfers without my approval. Their answer was that during the application process I had requested the balance transfers and that was enough. I replied that if I had known about the high fees I would have never gone forward with the balance transfers. Chase told me that the fees are disclosed online and that I clicked the " agree to terms and conditions '' which I never knew included the fees. The process is so misleading that I had already paid down my credit card balances when Chase started the process of transferring the balances. Now I have credit cards with positive balances at a cost of {$600.00} that I never agreed to. I called Chase to tell them to undo the balance transfers and they told me that there was nothing they could do, even thought the transfers did not even appear on my other credit cards. A credit card application process should never include a misleading step like the one that Chase has on his application. Balance transfers or anything else for what a bank wants to charge an astronomical fee should be explained to the customer NOT hidden in terms and conditions that are not even upfront and center.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is attempting to collect debt on a policy that was canceled within XXXX hour and refunded back to me. Therefore, this collection Agencey and XXXX is in violation of falsely reporting a balance due when in fact the policy was canceled same day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL
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:
Someone other than myself has used my credit to open a line of credit with Citizens XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/2021. Spoke with the bank and they said it was opened to pay for a XXXX XXXX XXXX XXXX XXXX. This is not me. I have not applied for credit in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is now XXXX XXXX, I appreciate your help in getting this off my credit report. They have been late on their payments and it has dropped my credit score a lot. 
thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, 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:
XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations see cfpb XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
After initiating an XXXX loan application with the Navy Federal business services representative in my local area, using my home address as we established our franchise aquisition, my husband and I each received debit cards and the accompanying pin numbers, from Navy Federal, at the retail store location, before we took pocession of the business or had access to that mail. 
We later received an account statement that was opened for our business, under the company name, that was opened XXXX, using a wire deposit from my personal checking account, of {$100.00}. 
On XXXX the account was closed. 
I DID NOT REQUEST OR AUTHORIZE ANY OF THESE TRANSACTIONS! 
I was only aware that the XXXX did not approve our loan and so I did not anticipate working with Navy Federal commercial banking in any way, into the future. How and by whom were these cards and this account initiated?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-02-03
Company: EQUIFAX, INC.
State: PA
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:
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2018-06-03
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
XXXX XXXX XXXX  XXXX, employee XXXX XXXX ( internet sales manager ) discriminated against me based off of my credit report/score. He told me nobody called me back ( in person in front of my face/spouse and minor child ) from XXXX XXXX ( after being promised a call back in XX/XX/2018 ) because my credit was bad, stating that nobody wanted to deal with me. After calling XXXX XXXX for three days I finally got someone XXXX on the line, who I told I would report his behavior and attitude to his General Manager while speaking to him on the phone, he then began to tell me he had good news that day ... I declined the deal, actually coming in today with a spouse to co sign. Keep in mind we never signed any documents to consent for the credit check which is concerning. XXXX went on to degrading me verbally the entire evening, constantly saying that my " bad credit '' was the reason nobody in the dealership called me back. He cursed all night long, even trying to force my spouse to agree to a contract she did not agree to. He even stated that he would not forward our application to Honda Financial unless we agreed to the service contract/GAP insurance, attempting to manipulate us to agree with his terms, constantly telling us Honda will deny a deal unless the extended warranty was opted in by us. 

XXXX repeatedly talked me down in front of my spouse, telling her that the extended warranty protected her from me because based on my credit I would default payments, damaging her credit, according to XXXX. He even told me to apply elsewhere, telling me to " go to your bank maybe they will approve you since you do not want the extended warranty added. '' Pre judging the joint application as if he was a legal licensed loan department representative. I am extremely offended and concerned with this behavior displayed tonight by this employee of XXXX XXXX XXXX XXXX, California. I do not understand why me and my spouse were discouraged from proceeding with having our information submitted to Honda Financial.  Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Bank Of America failed to identify and prevent Bank and/or Check fraud. A yet unknown person/persons/organization created fraudulent checks that had a routing number and checking account number matching our Bank Of America checking account numbers. The name and address on the checks " identifying '' the account owner did not match our name or address and the check pretended to be issued by XXXX yet the routing code on the lower left was a Bank Of America routing number. Starting at XXXX on Friday XX/XX/XXXX fraudulent checks have been deposited with at least XXXX of them using " XXXX XXXX XXXX ''. The total amount of all checks was {$4200.00} which Bank Of America allowed to be taken out of our checking account while it was obvious and very clear that those checks were fraudulent. It is unclear to me how the bank can miss the obvious discrepancy of a check saying it is from XXXX but the routing number going to Bank Of America. Additionally the name and address of the account owner printed on the fraudulent checks didn't match any information of the real account owner. Right there the processing of the check should have stopped and a fraud alert being triggered. 
Bank Of America 's failure to identify and stop this fraud resulted in multiple legit transaction ( utility payments, credit card payments, etc ) not being processed. While Bank Of America has refunded all of the overdraft fees associated with the fraudulent checks we believe that Bank Of America also should reimburse us for any fees imposed on us by XXXX parties ( utility and/or credit card companies ) and for the substantial time we are investing to fix this issue.

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