BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There is an item on my credit report, a late payment of 30 days from XX/XX/2014, for my home mortgage with XXXX XXXX. My mortgage with XXXX XXXX is a written contract and according to ARIZONA STATE LAW STATUTE 12-548, THE STATUTE OF LIMITATIONS FOR A DEBT IS 6 YEARS. This law supersedes the Fair Credit Reporting Act. I would like this item removed from my credit report as required by Arizona State Law.

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 2022-09-09
Company: DISCOVER BANK
State: NE
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Discover Bank closed my savings account. Account number ending in XXXX on XX/XX/2022. After, I called Discover Bank to verify my identity. The Discover Bank banking specialist told me that my Discover bank savings account balance would be mailed by XX/XX/2022. On XX/XX/2022, I wrote a letter to Discover Bank & dispatched by Certificated Mail to mail a check for the balance. 
On XX/XX/2022, I mailed a letter by Certified Mail to XXXX XXXX, Vice President, Discover Bank Customer Service, asking that my check be mailed. 
On XX/XX/2022, I mailed a Priority Mail Letter to XXXX XXXX, President & Chief Executive Officer, asking that the balance in my Discover Bank Savings Account be sent to me. I still have not received the check for the balance in my Discover Bank Savings Account for {$3600.00}. 
I must have these funds by XXXX to pay my Property Taxes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
to whom it may concern, On XX/XX/2022 I received a copied of my report and noticed Transunion had a address that didn't pertain to me. I submitted a dispute via email and received a letter from Transunion on XX/XX/2022 still reflecting that the address that is an error, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Il XXXX. 

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six 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 non-monetary relief
Consumer complaint received 2017-06-18
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The reason why I am asking for your help in this matter is in XX/XX/XXXX I have decided to check my credit report from all three credit bureau And as I was checking I notices I have 3 debt in collection with XXXX that are not mine so I did a online dispute .I was asked to sent in personal information so I did ..I notices that XXXX have not taken any action in remove those debt off my credit report. XX/XX/XXXX, Collection {$5100.00}, I have dispute it.
XX/XX/XXXX, Collection {$570.00}, I have dispute it XX/XX/XXXX, Collection {$250.00}, i have dispute it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale Mortgage offers a Budget Drafting Program. They have a list of requirements including filling out a form, adding ACH, and paying at least a month ahead of time in order to enroll. I have now filled out the same form several times over the last 7 months including paying the extra month in advance and have still yet to be enrolled into the program. Every time I call, the UWM representative agrees that I have done everything right in order to be in the program but they say there is nothing more they or I can do as it is another department who approves which I am not allowed to be in contact with. I have asked to speak to supervisors but am always told there a none available and that one will call me back. I have never, not once, received a call back. I am fed up with spending so much time for an advertised program as well as paying extra ahead of time to just be misled. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I got the American Express Everyday credit card after being told BY THE COMPANY and it's advertising that it offers balance transfers without an extra fee and no interest for a specified number of months. When I got the card, it was only for {$1000.00} instead of the {$5000.00} limit advertised and then I was told on the phone I could get a balance transfer of up to {$750.00} but when I tried I was told they were not available for this card. That is fraud, misuse of my credit, bait and switch and fraudulent inducement. They are a bunch of crooks. I want my credit hit back, my balance transfer and/or compensation for the damage to my credit rating and reduction of credit I could have obtained anywhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Avant Credit Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I down loaded a copy of my credit report from XXXX XXXX XXXX XXXX  XX/XX/2018. My XXXX   report say my score is XXXX but Avant say its XXXX when applying for a loan on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report.

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 2017-06-19
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:
I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt't done and that violates my rights as a consumer. I have reached out to the credit bureaus on several occasion to resolve this matter.

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 2022-09-09
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was suppose to be paid again by the XXXX assistance program. Please inquire with them where they are in this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XXXX, I contacted the bank and they stated they could remove a hold if they verified the maker. I contacted the bank on XXXX, they stated the funds will be released on XXXX. On XXXX they stated they could not verify with the bank to call back. On XXXX I called the person said he would call. The loan financial company was closed at that point and could not verify it. They told me to call on XXXX and they should be able to call during business hrs. On XXXX I called chase and was told they were not going to release anything, that there is nothing I could do. The decision is final. Mind you, XXXX was never released at any point. The other issue is that, they said it was flagged. I obtained proof from the bank the check was from, showing the check cleared on XXXX. It is now XXXX and they will not release the hold until XXXX. I have done everything to verify it to have it released. They held the check in the entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
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 XXXX year old daughter PLEASE HELP ME PLEASE im 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 2019-12-02
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: Their investigation did not fix an error on your report

Complaint:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt't done and that violates my rights as a consumer. I have reached out to the credit bureaus on several occasion to resolve this matter.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not filed by Credit Repair Company and this is not a DUPLICATE report. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX  XXXX Account # XXXX 4. Account Name : XXXX Account # XXXX 5. Account Name : XXXX Account # XXXX 6. Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 7. Account Name : XXXX Account # 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 2022-09-09
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act ; XXXX  account # XXXX has violated my rights. 
XXXX  account # XXXX has violated my rights XXXX  account # XXXX has violated my rights affirm account # XXXX  has violated my rights XXXX. XXXX, XXXX account # XXXX has violated my rights XXXX XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband is out on and unexpected, emergency,  XXXX   XXXX  and I explained this to the customer service rep. I paid the past due today so I would not go over the 30 days late on our credit. She said it would definitely be reported to the credit bureau. Can we please have help removing this since this was only th e 30th day?  We can afford to have our score go down and we have never gone over the 30 days late. I wish I had called over the weekend with the payment ( which I could have ) but I figured it was a weekend and it was n't open so I waited until today, which is Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: USCB Corporation
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with collection company as well as spoke with original creditor this is a fraudulent debt ive never taken any classes with this company and they show that someone signed up online with my info but never took a class with them in there own words anyone can use your info to sign up butno services were ever provided by the school and no clases were ever taken by anyone

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 2017-06-17
Company: CITIBANK, N.A.
State: NY
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:
Statements : Ending period  XXXX / XXXX /   17  ; Balance {$31.00} Ending period  XXXX / XXXX / 17  ; Balance {$160.00} Fees charged {$120.00} Ending period  XXXX / XXXX / 17  ; Balance {$1600.00} Fees charged {$40.00} Ending period  XXXX / XXXX / 17  ; Balance {$1700.00} Fees charged {$59.00} Ending period  XXXX / XXXX / 17  ; Balance {$1700.00} Fees charged {$56.00}.      XXXX / XXXX /   17  was the first time, I received a letter advising me that my account was past due. Prior to the  XXXX / XXXX / 17  letter, I never received any hard copy or email statements or telephone calls  from Citi regard ing my past due account, but yet fees continued to accrue.     On  XXXX / XXXX / 17  I made a $  XXXX  payment to  Citi via th eir website.     Since  XXXX / XXXX / 17 , I have been calling  Citi Custom er Service to dispute all of the Fees Charged to my account, a total of {$270.00}. All of my attempts have been unsuccessful because the account is closed and no one can assist 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 2022-09-09
Company: EQUIFAX, INC.
State: CA
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:
This is not filed by Credit Repair Company and this is not a DUPLICATE report. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXXXXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation