BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-23
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: Account status incorrect

Complaint:
Company is reporting late payments on XXXX student loans and they are in deferment

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 2017-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On  XXXX / XXXX / 2017 , I made a payment toward my car loa n ( my  payment is typically due on the  XXXX  of the month ). I was advised on  XXXX / XXXX / 2017 , that my payment was returned and required me to make a payment to bring the account current. The payment was made and I though nothing of it. On  XXXX / XXXX / 2017 , I received a notification from   XXXX    advising that the account was 30 days past due. When I contacted customer service I was advised that the company reports to the credit bureau on the  XXXX  of the month. I asked for a removal of the 30 day late because I did not understand this internal process and was declined. My payment history with the company is otherwise great.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XX/XX/2022 I sent a letter to the XXXX court asking do they report information to credit reporting agencies. I just got a letter back from them stating they don't, so if that is the case how did they get the info to report? They never did!!! Pursuant to 15 USC 1681 Sec 603 3 ( e ) the term investigative consumer report means a consumer report or portion thereof in which info on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have such knowledge concerning any such items of information. However, such information shall not include specific factual info on a consumers credit record obtained directly from a creditor of the consumer or from which a CRA when such info was obtained directly from a creditor of the consumer or from the consumer. 
How was a proper investigation done? 
This is how they violated me : given rights 15 USC 1681 sec 602 states that I have rights to privacy. According to 15 USC 1681 sec 604 ( A ) sec 2 it states CRA can not furnish anything without my consent. 15 USC 1681 ( a ) ( 1 ) you shall NOT furnish anything inaccurate

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 2017-06-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have repeatedly asked, faxed, and e-mailed Carrington Home Mortgage for an itemized list of all late charges since they obtained our mortgage- specifically wanting details of exact charges and why. They have refused to comply other than mailed documents that literally were just numbers on a page. Now Carrington Mortgage is charging a {$5.00} " convenience charge '' to pay our mortgage online. The only way to pay our mortgage without a fee is to enroll in their automated system, which disallows a grace period, and is in essence, other than that exact method of allowing them to take money automatically from my bank is the only way to stop them from otherwise charging me to pay my mortgage on time. This is called " pay for pay '' and in currently illegal in several states. There is currently a class action suit being developed against Carrington and other companies that use this unethical, and often illegal method. Please address with this with them. I will also write to my elected officials and publicly share my experience on various forums and media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent out a a request for an investigation for my credit report to XXXX, XXXX, and Experian. They are not complying with regulations based on my request for an investigation. I have not received any type of investigation results.

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent out a a request for an investigation for my credit report to XXXX, Transunion, and XXXX. They are not complying with regulations based on my request for an investigation. I have not received any type of investigation results.

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 2022-09-06
Company: Accurate Background
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was told that I have a criminal conviction of XXXX XXXX  XXXX XXXX on my record and that is not true. I was found not guilty XXXX XXXX XXXX XXXX On the background report it says guilty. Can you fix that?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-25
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX XXXX XXXX is a shame. I want a current report that I can download and retain. For years I was able to get an annual on-line credit report. Now after I give out all my personal information, I get a standard PDF form that I must send in to get the report. I want to download my most current report and not get a hard copy mailed to my address that is a month old by the time I get it. I do n't want hard copy mailed to me ; I want do download a current version copy. Why do I have to verify all my information on-line if at the end of the exercise I have to complete and send in a hard copy form????? Is this just another exercise to collect data on me????? I do n't want month old hardcopy mailed to me sitting at my doorstep that anyone can pick-up and use to steal from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19
Company: JPMORGAN CHASE & CO.
State: IL
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:
They call me every day. I have a baking business so answer every phone call. They call from my area code and prefix. 

" Hi, this is XXXX from Chase Bank '' I block the call every day, tell them to take me off the list, threaten states attorney, they hang up and just call from another number. IM SICK OF XXXX. 
Please help me. 

I don't have a credit card. 

The images I sent. All the 815-440 nimbetscwere from XXXX from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXXXX/XX/2022 I received a notification from Capital One that my checking account is being closed on XX/XX/2022 because of a technical issue as they update their banking system. I've had this account XXXX years and it is intertwined with all my financial investments, direct deposits, credit cards, etc. I have never bounced a check or had a low balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A bunch of inquiries appeared on my credit report without me knowledge or consent. 
these inquiries are : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, APPLE CARD plus more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
So, my wife and I have had our credit pulled to get pre-approved for a new home. Was informed there was some medical collections that needed ot be paid before we do that. I called and tried to negotiate they ( I.C systems ) told me it was in collections for too long and we had to pay in full amount and would not settle. This was XX/XX/2022 I paid in full to all three acounts .... 
After I paid, I started working with a credit repair gentleman and he asked if I had already paid the accounts on there, I said yes and he said well you shouldn't have because it was reported fraudulent and should have never been put back on your credit .... Said it is fraud because they lied to you saying you owed when it was too old to be collected. I was speaking to a lady from I.C. Systems. Which last year, with my entire tax return, I paid off more medical debt in collections and it is still reporting on there... After they told me it would only take 30-45 days to get off my credit. And still reporting on there and hurting mine and my wife 's credit still to this day.

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 2017-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is for loan XXXX XXXX and the late payment on XX/XX/XXXXthat was reported as late on my credit report while an investigation by XXXX XXXX XXXX was being supposedly completed by them. <P/>I reported this to XXXX at XXXX with supervisor XXXX XXXX about the car accident. He agreed to resolve the matter and return my phone call with-in 4 business days. We agreed that I not make the payment until I heard back from him specifically with regards to a resolution. <P/>He further stated as other XXXX representatives verified that a " hold '' or indispute was put on my file and that the next payment due would not get reported late if I the matter was resolved. <P/>I and all parties agreed to this. I only noticed several days later hat they did report by negligence and error that I was late. <P/>I was not late. I never heard from anyone and did as I was told. Which was to not make the next lease payment until the issue was resolved. <P/>As I have stated numerous times, I have tried at least 20 times to contact XXXX and they will not speak with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: National Credit Adjusters, LLC
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:
On XX/XX/21 XXXX XXXX opened an account for someone who had stolen my identity. In the last couple of years there have been many unsuccessful attempts to open accounts in my name as my credit reports are frozen. The account number is XXXX and the account ID is XXXX. 
At the time I did contact XXXX XXXX by phone and told them the account was opened fraudulently. I never heard anything else about the account and assumed they had closed it. Recently National Credit Adjusters ( NCA ) opened a derogatory account in my credit reports attempting to collect on the debt. The debt is not mine and is fraudulently listed in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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, XX/XX/2022, and XX/XX/2022 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 2022-09-06
Company: EQUIFAX, INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit card company was reporting inaccurate. My credit card debt is paid per obligation of the United States. 

31 U.S. Code 3123 18 U.S. Code 8 15 U.S. Code 1692/1692e and 1601 Privacy Act 1974 - 15 U.S. Code 1692c

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
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:
Please be advised, it has been over a year that i have tried to work with both credit bureaus XXXX and TransUnion and XXXX  XXXX XXXX XXXX to have an account that is reporting false and inaccurate information removed. I have called and wrote letters to all 3 companies and to date, like i said it has been over a year and the wrong information remain on both me and my wife credit. <P/>I am not sure who is at fault, the bureaus or the credit union, but XXXX XXXX XXXX XXXX # XXXX is reporting on my credit as a REPOSSESSION when i still have the car and have been driving it pretty much every day, making my payments on time without any slow pays or missed payments!!!! <P/>At this point, i have met with an attorney and will move forward with a steep law suit because this discrepancy has prevented me from securing a home loan for my family and I. My beautiful daughters should not have to suffer because of an error that has been caused by the bureaus or the credit union. I am requesting the account be removed or the payment history be corrected by XXXX XXXX, 2017!!! <P/>I have awaited a year!!!

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 2017-06-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
inquiry victim today i checked my report again i have inquires from companies i never authorized on all  XXXX  credit reports Experian,  XXXX ,  XXXX   XXXX .   I called the  Credit reporting agencies they told me to call the companies, i called the companies and they said for me to send a copy to them and need to investigate it because the Credit report ing agencies make mistakes.

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 2022-09-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On the day of XXXX XXXX I signed a contract with XXXX XXXX XXXX. At the price of XXXX with an interest rate of 5.99 %. I was not provided with the type of notice of my rights to rescission under the Truth in Lending Act ( TILA ), 15 U.S.C 1601et Seq this is required by federal. Upon reviewing my contract, oblations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 12 CFR 1026.3 named Truth in Lending. Per the Congressional finding of TILA as well as my due diligence, " It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able during the consummation of the contract Infiniti Finance did not disclose my right to rescind. Thus being the case, pursuant 15 USC 1635 I have the rights to rescind my initial consent to pursue the pervious terms. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the cash payment was only of benefit to you. 15 U.S code 1635 ( b ) ( F ) I ask that you return my Down payment of within 20 days of this notice by law. 

You can contact me at XXXX or XXXX. I look forward to a speedy resolution to this matter. 

Best regards, XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
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 fraud alerts or security freezes

Complaint:
I 've notice  XXXX   XXXX  is associated with  XXXX    XXXX   XXXX  . The  XXXX   XXXX  stole my identity, by changing my date of birth on my   XXXX   credit report. My former employers have been changed from  XXXX   XXXX . All of my former addresses have been changed. Social Security have written me a query with all of my former employers ein # 's. They 've placed a seven year alert on my credit report & a monitoring service. Copies of my original mortgage was made with my signature. This is how they refinanced my mortgage with you &  XXXX    XXXX   XXXX   I used Attorney  XXXX   XXXX   XXXX  address to receive a copy of the invoice. The  XXXX   XXXX  is stealing my mail. I 've been under investigation by The FBI,  Secret Service &  The United States Attorney General  office  to learn what I now have knowledge of. They 've used my   XXXX    XXXX  child Power of Attorney to make these fraudgelant transactions. They filed my  XXXX  tax return using fraud information. My buy date was changed by the family to steal unemployment funds. Because my former employer  XXXX   XXXX  did not report taxes to  The Department of Labor.  My employee records was pulled also. The buy date was extended to  XX/XX/XXXX , it should have been  XX/XX/XXXX . They used Government funds to pay different mortgages with  XXXX    XXXX   XXXX  .  XXXX   XXXX    XXXX   XXXX   have also amended & restated all of my tax returns & made themselves my conservator. The company is a  XXXX . In  XXXX   XXXX   XXXX  used {$53000.00} of my employee owned senior preferred stock to sell my home. The  XXXX   XXXX  was in competition with  XXXX   XXXX  & they do n't know how the company is structered. They 've placed my life in jeopardy. The  Authorities  pulled my employee records from  XXXX   XXXX   XXXX    XXXX  . I 've been trying to notify all of my creditors. The  XXXX   XXXX   &   XXXX   XXXX  is trying to delete my history. I 've contacted  XXXX    XXXX   XXXX  . I would like to hear from you. The  XXXX   XXXX  had  XXXX    XXXX   XXXX   added to Bankruptcy court electronic data interchange in  XXXX . They changed the date of purchase to reflect  XX/XX/XXXX . That 's not true because I purchased the property that year with  XXXX   XXXX . They refinanced my home in  XXXX  & transmitted {$100000.00} to   XXXX   XXXX   from  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 explanation