BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
TransUnion refuses to reinvestigate an item that 's appearing on my credit report. I sent several documents in that stands behind my claim. I was told by a XXXX that works for TransUnion on Friday XXXX, 2016 that although I sent in proof of the inaccuracies there 's nothing they can do about it. Only the company can remove inaccurate items. Please find that I 've included the necessary documents that this item is reporting incorrectly and still remains on my credit bureau. 
" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, the credit bureau has an obligation to conduct a reasonable reinvestigation.79 Thebureaumustgenerally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 Moreover, it has five business days to forward the dispute to the relevant furnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, or can not be verified, thebureaumustdeletethedisputeddata.83 Furnishershaveindependentobligationsunderthe FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section XXXX to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''

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 2016-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
disputed previsiouly, removed. reinserted after a couple of months

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 2016-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Chase Bank Business Account in XXXX XXXX, CA on XXXX XXXX, 2016. The Business name is XXXX XXXX, XXXX. We funded the account with ~ {$30000.00} and the check cleared. 5 days after the account was opened I received a letter ( attached ) stating the account was being closed IMMEDIATELY because of " suspicious activity '' " or because we have n't received information that we requested from you. '' No information had ever been requested of me. 

I contacted my branch who referred me to a XXXX number. I called and attempted to verify what the problem was, but I was told by an employee that they could not tell me why the account was closed. I quoted them the letter, and they told me that, these were not the reasons but they could not divulge further information to me. There has been no suspicion of fraudulent activity on the account. The employee refused to provide her name or employee number. Finally, when I told the employee that I wanted to retrieve my {$30000.00}, I was told that they money was on hold and that I could not retrieve it presently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After reporting a XXXX score increase to XXXX on XXXX/XXXX/2016, TransUnion has used erroneous information to lower my credit score from XXXX to XXXX as per XXXX XXXX and XXXX XXXX. Claims that XXXX XXXX reported that I exceeded my account by {$1.00} or more dollars on XXXX/XXXX/2016 and subsequently XXXX XXXX under the same circumstances on XXXX/XXXX/2016 ( screen prints attached ). Both accounts have been closed and charged off for nearly 7 years.

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 2015-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been asking XXXX and Transunion since XXXX 2015 to provide me the documentation they have on file for the items they are reporting on me. So far the credit bureaus have deleted some items and other items they say they verified are mine BUT sent me no proper documentation in fact they sent me nothing at all showing me how they proved the item was reporting correctly asnd was mine, nothing at all. I have sent all 3 credit bureaus over 5 letters asking them to show me and nothing. They are severly hurting my ability to get a house for my family. UIf they cant prove the items according and under the FCRA laws they need to remove the items. I am getting tired of the getting the run around and letters back from them with nothing. In fact TransUnion put a freeze on my account which I never asked them to do and when I contested it they sent me a form asking for several pieces of identification that I am NOT going to provide I want them items removed and the freeze removed. I also want to know how I can go after the credit reporting agency legally in court, can you help me please. It should n't take 6 months to get some action. 

Thanks-

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I wrote to Trans Union XXXX 2016 ; to remove XXXX ( XXXX ) adverse accounts from my report. I received an update today. Estimated removal for : 1. ) XXXX XXXX Account # : XXXX is : XXXX ; this account should be removed this month ; XXXX XXXX, 2016 ; the 7 years is now. I do n't understand how or why they can continue to keep this on my report. 

Also for 2. ) DSNB/Macys Account # : XXXX ; estimated removal is : XXXX ; this is not correct ; the 7 years is now ; XXXX XXXX, 2016. I do n't understand how or why they can continue to keep this on my report. 

Both XXXX and XXXX removed these account on the anniversary dates. Please help me remove.

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 2016-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The issue is that XXXX, XXXX, and Transunion have not removed information off of my report that does n't belong to me. I started this process with them in XXXX and it is XXXX. I have been more than patient. At this point I have obtained an attorney to start the process of filing a small claims case against all XXXX bureaus. There is information on my report that does not belong to me and I have stated that every month. At this point the Bureaus have stopped responding to me. This is their final chance to do right, by removing these items off of my report before they are contacted by my attorney. There are also several addresses on my reports that do not belong to me either. 
Attached to this complaint are word documents of each bureau with everything that should not be on there. Addresses included. It is my expectation that they remove the items after I have been disputing these items for 10 months. If not, they are facing a lawsuit.

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 2016-05-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I walked in Chase and met mortgage manager. 
I signed mortgage application on XXXX XXXX and gave them most of documents the next day they requested and more additional documents on middle of XXXX. 
I mentioned closing date is XXXX XXXX and they said okay. 
I brought {$100000.00} from XXXX and they requested document regarding this money again so I sent it on XXXX XXXX and I told them if they needed clear XXXX, let me know right away. 
But they never contacted me until XXXX XXXX. 

I got an email from loan proccesor on XXXX XXXX that she needed clear document about korean money which I sent on XXXX XXXX. So I sent it on XXXX XXXX because it was Satuday in XXXX. And they kept asking me more documents and failed closing date without noticing me. 
There were plenty of time to request this. But they never contact me until XXXX XXXX and kept asking me more documents. I did n't know I should prepare lots of documents if I bring money out of state but if they contact me earlier, I could have prepared everything perfectly like I did. I sent every documents the same day or at least the day after they requested. In this process, I tried to call mortgage manager I contacted at the first time, but he did n't get my calls, sent me text " I am in the meeting. I will call you asap. '' and never called me back. 
Anyway, chase failed closing date and told me " Do n't schedule the closing date until we notice you ''. Seller asked me to pay seller 's cost and I accepted. It is {$45.00} per day until XXXX and {$90.00} per day after XXXX. 

Then, I got an email from my attorney that the lender contacted closing coordinator and they can close on XXXX. I was happy and all parties set up the time and are waiting closing date. 
And today I got an email from my attorney again that Chase want to close XXXX. 
I have got lots and lots and lots of stress because of the loan and I thought now it is all done but then again, they changed the date! 
It was the lender who set up the closing date, XXXX and now they have changed the date. 
Now I have to seller 's cost three days more because it is XXXX weekend. 
And I am not sure if the lender really want to close this case. 
I ca n't trust Chase anymore. I chose chase because I am chase private client and I have had chase account for 9 years. I ca n't do anything because I am in weak side and the lender has money I need. But this is too much. 

Every chase person has this quote in their email " If you are not 100 % satisfied with my service or your experience with Chase at any time, please let me or my manager know right away. Our contact information is below. Thank you for choosing Chase. '' What a silly joke!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Hello, I would like to lodge a complaint regarding all three major credit bureau 's ( XXXX, XXXX, and Equifax ). Looking over my credit reports at the beginning of this year I was worried by some of the problems on my credit report that I feel is inaccurate and false information and should not be on my credit reports. I then began investigating information on the Fair Credit Reporting Act and started sending off certified letters to each of the credit bureau 's. Each time I have requested complete proof from each of the bureau 's, all they could say was that the accounts have been verified and would remain on credit report. This is still violating Federal Law and now I seek litigation in regards to these responses and would like this handled promptly. I asked that I could see a copy or be provided a copy of the " original SIGNED consumer contract '' with my signature on it in order to be tied to those accounts. I will not take all the bureaus ' words for it and allow them to verify through the creditor 's word. 
After receiving the second letter from XXXX stating that they will not re-investigate the accounts due to already being investigated once and talking to XXXX over the phone and not getting anywhere in the results I am looking for, I then began looking for a way I can get this properly executed and resolve my issue. What the Bureau 's are doing is not the proper way of completing an investigation especially if I can not see proof of their investigation that shows they have obtain or seen a consumer contract with my signature on it. It is already past 30 days for all of the credit bureau 's and they have not followed the Fair Credit Reporting Act to the " T '', which includes not verified accounts needs to be removed immediately and I feel I am getting no where. Please I would like your help in following up with my complaint and get this resolved for me. I was having a very hard time trying to get into another vehicle and now I am stuck in a really high interest and high payment because what is weighing my credit down is accounts that are n't even mine that are on my credit report. Below I have attached documents or letters that I have sent to each credit bureau of everything that is unverified on my credit reports and also pictures of certified receipt 's showing the dates. ( NOTE : I will submit this complaint 3 times, for each bureau, and include each separate attachments ). In the letters, the second page of each letter is a section that I have signed and have had the notary at my bank notarize the letters to show that I am who I say I am. Please review the attachments and please help me resolve my complaint promptly. Thank you. 

P.S. I was n't too sure what bullet I was suppose to choose that " describes my issue. '' So I chose what I feel this issue would fall under best.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed XXXX incorrect addresses reporting on my credit with Equifax over the last few months. However, I have not had any successful with getting these incorrect addresses removed. So, I need your assistance in getting this matter resolved. The incorrect addresses are : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX has inaccurately reported to XXXX, Equifax , and XXXX Credit agencies that I had a late credit card payment XX/XX/2016. This is not accurate. After speaking with XXXX XXXX on multiple occasion they informed me on those multiple occasions that I do not have any late payments. When I contacted XXXX they have informed me they have sent multiple off-cycle updates to the XXXX XXXX Agencies to update the inaccurate information. This has not occurred as the same late payment is still on my credit reports. 

I have disputed the late payments multiple times and nothing on the reports has changed. Either XXXX XXXX is not responding to the disputes or the Credit Reporting Agencies are not truly investigating and providing the same inaccurate information when they receive the disputes. All said the issue is not resolved and its been 3 months since the initial dispute was filed and XXXX along with the Credit Agencies have been contacted about the issue. 

I do not want to have to resort to legal means to get the issue resolved but will if it is not handled immediately. This is black and white, I did not have a late payment in XX/XX/XXXX yet it is being reported as late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP. I had attached a chat that I had with a XXXX Representative that confirms my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. Bank XXXX account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an XXXX I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX Bank is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. Equifax also never formally rejected my affidavit and the law as defined by the FTC states that if they do not reject my affidavit within a certain amount of days then they must block all fradulent accounts on the affidavit in XXXX days, something I also sent to Equifax straight from the FTC. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as XXXX hours a day, XXXX days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to DNB and will be paid or unpaid, and I will report this on all DNB numbers for Equifax Inc.

Company response to consumer: Closed
Consumer complaint received 2015-12-19
Company: Seterus, Inc.
State: IA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wo n't return my escrow, even though I 've asked for the balance for over 14 months. In addition, unsubstantiated {$90.00} per month fee. Have submitted documentation multiple time without satisfation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In late XXXX I received an e-mail invitation from Regions Bank to apply for a XXXX XXXX Credit Card which offered a {$250.00} reward if I charged at least {$1000.00} during the first 90 days. I received the card a few days later and made more than {$1000.00} in charges in the next few weeks. Today I called to see when I would see the {$250.00} show up on my account ( it shows activity on the card since I got the card in XXXX ) and was told I did not get a new credit card -- it is the same account number as an account I had in XXXX  but had not used for a long time. I applied online after I got the e-mail and got a new card shoertly after and that is the card I used. They are refusing to honor the {$250.00} clause but I have been receiving 1 % rewards and the card just started showing up on my on-line banking since I got the new card. They contend the rewards were only for new card holders and my old card disqualified me. Why did I get a new card? Why was I sent the promotion to earn the {$250.00} when I got the new card and started using it?

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 2015-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have sent in a dispute to TransUnion concerning the inaccurate reporting of accounts of my credit report and i have not received back any correspondence. The items listed on my credit report where discharged in a bankruptcy. XXXX XXXX # XXXX. XXXX XXXX # XXXX Bal {$5700.00}. this account was not properly updated. XXXX XXXX # XXXX Bal {$550.00} discharged in a Bankruptcy not properly updated. There have been several complaints and no feedback whatsoever so now I am officially filing a complaint with the Bureau of Consumer Financial XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There was confusion on why a collection agency reporting to my credit report that I had an account in default as I had no knowledge of any account of the sort and the location of the collection agency was in a state that seemed like it was not related to me either. Anyhow I opened an inspection into the collection agency through the cfpb which allowed for the collection agency to look further into my case and they found that I had indeed not been notified by the hospital of what was a special deductible/co-pay for a XXXX. I did n't realize that this deductible was separate from my normal medical deductible which had already been covered for the year from a separate XXXX. As a result of this reinvestigation on the Collection Agency 's Part explained to me what the charges were and why I had not been informed about them. They also offered me a " one-time special offer, '' as they put it, this offer as they explained would remove any mention of the account going to the collection agency from my credit files and it would resolve in full all claims by the hospital in question. They said that they would be willing to discount the amount that I would need to pay by XXXX %. I took them up on their offer and their word that it would not appear on my credit report. It now appears on my credit report as settled legally for less than the full amount and it has it under the collection agency 's name as the creditor claiming this fact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation