BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus stated my account was properly investigated but how is that possible if the account type is inaccurate, the date opened and last active are both inaccurate, date last reported is inaccurate, and also the payment status as well. I attached a file of my credit report to this complaint. This grounds for removal, they also violated my rights under.. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2017-03-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
they removed this from my credit report XXXX {$6000.00} Which is in good standings and want back on all XXXX 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 non-monetary relief
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Dear whom might be concerned, My name is " '' XXXX XXXX ". I have been trying to report about inaccurate items in my credit report over past year. However, none of the CFPB 's response has fulfilled my demand. ** Please investigate these derogatory account within the legal time frame of 30-45 days as. I will be validating all debts from these creditors and filing complaints on all parties to Transunion, XXXX, XXXX and every creditor reporting the below items ) and filing lawsuit if not done. 
**Address** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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, IL XXXX These address are not belong to me, please delete it immediately as they are intervening me from obtaining credit. I have enclosed proofs of my current address and driver license. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX How can there be $ XXXX  monthly payment in a closed account. DELETE IMMEDIATELY. 
XXXX HARD INQUIRY* _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX This is unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. In accordance of " Metro 2 Compliance Violation " ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A. Please delete it!!!! 
XXXX XXXX Inquiry :XX/XX/XXXX This inquiry is unauthorized and the credit bureau has violated " Metro2 Reporting Compliance " by not reporting their contact information.

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 2019-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
on XX/XX/19 I was charged by XXXX XXXX on my Capital One platinum card for a purchase in the amount of {$100.00} that I did not make. I have never used this card with XXXX After 2 attempts to resolve the issue with Capital One I still have the charge on my account after I was told twice that the charge would be removed and that I would not have to pay anything on this fraudulent charge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Missouri, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Transunion XXXX, Transunion XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, reported to the Transunion that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights

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 2020-06-19
Company: EQUIFAX, INC.
State: LA
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:
Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: U.S. BANCORP
State: MO
Product: Credit card
Issue: Balance transfer

Complaint:
On XX/XX/2016 I contacted U.S. Bank and provided them with a new mailing address for them to mail a replacement for my existing card that expires on XX/XX/2016. While on the phone, I was offered an additional credit card with a XXXX dollar credit limit, zero percent APR for a year, and 17 % APR after the first year. I was also told that I could transfer the balance from my existing card, close to XXXX dollars, to the new card, without any transfer fees. I called on XX/XX/2016 to inquire about whereabouts of the replacement card and new card in the mail. While on the phone I was told that the person I initially spoke to on XX/XX/2016 misspoke and gave me false information about being able to transfer the balance from my original card, to the new card, enabling me to pay off and cancel the original card with a much higher interest rate. I had the new card canceled on XX/XX/2016, and inquired about having my existing card APR lowered to 17 % like the new card they approved me for. Even though U.S. Bank had access to my credit score, they claimed that they could only offer me an APR of 17.99 for 6 months. My grievance is that I was misinformed of my ability to transfer my credit card balance ; which was deciding factor for me to follow through with opening the new credit card 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 2016-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial well being by still reporting an open balance which is affecting any ability to acquire financing.

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 2016-03-11
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt collector called my number twice, once on XXXX/XXXX/2016 and again on XXXX/XXXX/2016. They are asking for XXXX XXXX. I called back to advise them it was not her number and to remove it. They continued to ask questions regarding who I was, if I was her husband, her boyfriend, if we live together, and other inappropriate questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep calling telling us we need to make a payment, and we keep telling them, we can't till be get our Social Security, then they call again. Today alone the have called all out phone 7 times before noon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or deleted : 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 2019-02-21
Company: AFNI 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: Account information incorrect

Complaint:
Everything about this collection is incorrect. The date opened is wrong. I never had XXXX in XX/XX/2018. The balance is incorrect. The account number is WRONG!!! This company is illegally reporting inaccurate information. They need to provide the last statement from XXXX proving date opened as well as the alleged balance and the account number. If they can not, this account needs to be removed immediately or further action will be taken!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020, I accessed my Chase Marriott Rewards card online. My credit limit had been reduced from {$25000.00} to {$12000.00}. I contacted customer service at XXXX. I was told a letter was sent out in XX/XX/2020 advising me of the change. I told the rep I never received the letter. I told the rep I have a XXXX credit score on average and have an impeccable credit history with them so why do this to me. I asked they increase my limit back to {$25000.00} given I didn't receive the notification and that it was possible with everything surrounding Covid-19 I should be given the benefit of the doubt. They said the only way that would happen is if I re-applied for the credit increase. I told them to cancel my card if this was how they were going to treat a customer of more than 15 years and they said no problem and cancelled my card. I believe this action was not warranted given I contacted them in a reasonable period of time and my argument was valid and true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax must process credit freeze requests made on their website within one business day but does not comply by preventing me to request a freeze or unfreeze. 

Placing a credit freeze on Equifax.com requires creating an account and possibly verifying your identity. Despite doing all this, Equifax will not let me request a freeze online, showing an error message saying they require additional information to process these requests. 

I have requested the problem to be fixed several times over the course of a year : - twice by mail, sending all necessary identification paperwork - by email at customercare@equifax.com but they replied that they can not help - many times over the phone, waiting sometimes up to an hour to speak to an agent. 

Equifax agents have told me the problem was fixed several times, or that the problem would be fixed within 24 hours. They more recently told me they would fix the problem within 7 to 10 business days, and reach out to confirm. Later, Equifax could not provide an update because their systems were down. Several months later, needless to say I never heard back. 

Equifax refused to give me a point-of-contact to follow up on the issue, or refused to call me back with an update. I was instead instructed to call back later, and speak again with a agent unaware of any context. 

Equifax is required by law to process credit freeze requests made online within one business day. By not providing an interface to request credit freezes, Equifax is in  breach of its legal duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX, Bank of America VP patently denied our ( The XXXX, Re-Fi Loan No. XXXX application based on erroneous information. We refute the denial of Action Taken on the basis of : alleged garnishments ( there are none in our credit history ) ; no repossesion actions ; no delinquent past credeit obligations in the last 12 years. 

The BOA low-balled our property appraisal : XXXX XXXX XXXX XXXX XXXX, Ga, XXXX. I have evidence of more appropriate FMLS appraisals that I sent these people..several times. I have numerous 'run around the flag pole documents ' tax returns, home-based business documents, bank accounts, etc. 

Let me cut to the chase..These uncaring community-busters chose not to work with us in year XX/XX/XXXX-XX/XX/XXXX ; we successfully were approved for the Chapter XXXX bankruptcy..paid off all of our obligations..and have maintained stellar credit posture since Year XX/XX/XXXX. If they had only worked with us in Year XX/XX/XXXX-XX/XX/XXXX, we would not obviously not be at a loggers head. We have a XXXX FICO score and getting better. BOA wants to punish us..'too big to fail.they have not learned yet that taxpayers bailed them out! '

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 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I had two credit cards with Bank of America. My card was stolen before I received it in the mail and many fraudulent purchases were made with the card. I spoke to representatives over the phone for months. No less than a days worth of hours were spent on the phone. I got a police report and did everything that was asked of me. When I called the last time the supervisor kept hanging up on me. Bank of America closed my account because of " non-payment '' but all of the charges on that card were fraudulent so I did not make a payment. I had another card with Bank of America that never had any problems and they closed that card too! I always made those payments on time because those were my charges. I believe their actions are discriminatory because English is not my first language and they are always hanging up on me. I have been both a business and personal customer of Bank of America since XX/XX/XXXX and have never had a problem until now. All charges were fraud and only some Bank of America reversed. The supervisor that was rude that I last spoke to her name was XXXX XXXX and I spoke with her on XXXX. When I tried to get back to speak with they never connected me back to her and she hung up on me and I was never rude. The first supervisor that I spoke to his name was XXXX but I don't know his last name. He is the one that told me to get a police report which I did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: PLAZA HOME MORTGAGE, INC.
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I previously complained about our escrow account. Plaza calculated our tax payment incorrectly. After receiving the complaint from the CFPB, Plaza did an escrow analysis and issued a partial refund. They closed out my complaint with the CFPB but they did the tax analysis incorrectly and calculated our tax payment at double what the actual taxes owed are. I called for a correction and was told it would be fixed before the XXXX XXXX payment was due and never heard back. Our monthly payment should be lowered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 and XX/XX/2022 2022

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 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-12-28
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent Midland Credit Management a letter on XX/XX/2019 requesting that they cease all communication except to call my personal cell, XXXX. They repeatedly call my GOVERNMENT ISSUED CELL at XXXX and have disregarded my written request. I would like to report them for violating the policies of debt collection.

Company response to consumer: Closed with non-monetary relief