BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In response to a Experian credit report issue, they continue to report XXXX inaccurate late pay of my student loan account on my credit file that stats 90-120 days late. They are overlooking that it was not a late pay as my account was in FORBEARANCE from XX/XX/XXXX-XX/XX/XXXX with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. 464 of the HEA ( Higher Education ACT ) states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. NO PAYMENT WAS DUE THEREFORE ENSURING THAT MY ACCOUNT WAS NEVER LATE. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at one another and I need this to be deleted immediately. This account specifies in the payment status that I was late when I never was and the reporting history does not even reflect it it actually contradicts it. Please delete immediately. Also be advised this is new and material evidence that was suggested. You are bound by FCRA, FTC and HEA laws please follow them.

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 2016-05-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hi, my name is XXXX XXXX XXXX, my bank is Chase Checking Accunt. In the date XXXX/XXXX/2015 my bank authorized a transaction of mine without any signature proof, it was with the merchant XXXX that is dealing with XXXX, they charged me {$1500.00} from my credit card without any approval from my side. My bank claims that i have already few disputes with other XXXX companies that scammed me so they declined my request. When i first registered to the site i gave this company my information as it was required in order to open the account, but it does n't mean that they can use this info to charge me when ever they want without my approval. Please advice what i can do here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
I got a protection agreement by XXXX with Experian Services Company last year because of a fraud and steeling information from the first party. Of course, I did not get any feedback from Experiance, even a freer report or Credit Score report till now Beside that, I start to receive many Credit Cards Offers which I do not apply for, Like ; XXXX. 
Will they only take fees through extra Sales Tax from XXXX which we are pay too and not sending Us or free reports annually to protect us?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: DISCOVER BANK
State: NV
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 balance transfer

Complaint:
I applied for balance transfer balance w/ discover card in the amount of XXXX dollars they approved XXXX I told them I needed XXXX. I told them if they could not XXXX to forget it. Two weeks later 2 weeks later they did a transfer balance anyway with out my knowledge or approval. That left me owing XXXX XXXX XXXX  and discover card XXXX. The legal term for that is surreptitious.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have no clue the questions asked may have been to long ago to remember or something none of the questions pertained to me as current contact me please XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed an item on my Experian credit report 4 times within the last 6mos. The item is a public record judgement that should not be on my report because there is nor has there ever been a judgment against me for XXXX District Court or The Attorney General of Texas. I have submitted the verification documents attached to Experian and each time they come back with the item has been update, and they do not supply me with any documentation or proof that this account is my account or why. I have also sent them a copy of my closed child support order with a XXXX balance, and the item still remains on my report. I have called and asked for them to supply me with the vendor who is supplying the agency with the information and they refused to provide, i have also been hung up on 4 times when I request to speak with a supervisor. I would like to issue a complaint, investigaiton, and a dispute against Experian this account is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage that was with XXXX XXXX for years, The bank was sold to XXXX XXXX in XXXX 2015, XXXX sold my mortgage to STATEBRIDGE LLC. XXXX 2015. I had a bankruptcy chap. XXXX, but never had any lates on my mortgage the mortgage was always paid on time and current, still is current. I have not received a coupon book, I called and was informed by XXXX that my mortgage was late?? My monthly P & I is {$830.00} plus tax escrow total pymt {$1100.00}, they took the {$1100.00} as P & I and added taxes to it making my pymt {$1400.00}, I tried to tell her that was incorrect. I faxed and mailed my note, mortgage, history and cancelled checks to show my loan amount, payment amount, and proof that the loan was current. I have called several times, wrote letters, emailed and faxed NO REPLY and I was told they cant talk to me. All I need if for this to be straightened out, my XXXX qtr taxes and XXXX qtr taxes have not been paid by them the money is in my escorw, I had to pay the XXXX qtr out of my savings so the taxes would not be late. All I want is for them to correct my account reflecting the correct payment amount, send me a coupon book and for them to pay my taxes on time. I have all documentation to prove my loan is current and what the payment is. Can you help. I really feel this company is trying to make my loan appear late so they can foreclose, I talked to another person who is having the exact same issue with this company. I need help resolving this matter and not getting any response from this company what so ever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to dispute erroneous information on my profile by Experian. Experian is refusing to delete erroneous information which has proven to be false per the Credit reporting Act. The Creditor XXXX XXXX XXXX. This account was never late. On XXXX/XXXX/2015, I sent a cashier 's check to the lien holder. In the memo line showed this was 12 months of car payments. The lien holder is now noting my account as being late. Which it has never been late. I have attempted for XXXX to delete this account as it has never been late, but yet they refuse. The Creditor failed to apply the funds as directed and inadvertently reported a late payment due to the negligence of the creditor. All parties are aware of this fact. i submitted proof/documentation of said events to Experian. The credit bureau has refused to do a proper investigation and allowed erroneous information to be reported to its agency. This has cause personal hardships.

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 2017-04-27
Company: BANK OF THE WEST
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Around  XX/XX/XXXX , there was a direct debit attempt from  XXXX  on my account but there was not sufficient amount in the account but my bank,  XXXX    XXXX   authorised the payment and was charging interest on it unroll it accumulate to  XXXX  plus. I confronted the bank about it but it was then already with a debt collector, so I made the payment. This is still showing on m y credit score til l now  XX/XX/XXXX  and I can take any loan from the bank because of that.

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 2017-02-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
to whom it may concern i am having a major issue with Experian performing an actual legal Dispute investigation they are violating my rights by not complying with my legal right to request any or all documents i request in my file, they are completing disputes but not providing me the original documents verifying these claims, when i did ask for all the documents in my dispute letter then they sent me muitlple copies of my credit reports. My point of this complaint is i want to resolve this matter out court. So if they can provide me names and numbers of everyone they spoke to verifying accounts. Also the orignals applications with wet pen ink signatures, and the method they use to verify this accounts and once proved to all not to be legal verified accounts please remove all accounts immeditley, and dated out and unauthorized inquires. i have also provided my Social security card and Identification for proof of identity again so if a reported anything different then whats on my Identification i was n't me thank you.

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 2016-10-11
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A recurring charge keeps appearing, originally from XXXX, on my XXXX and Experian reports. I had reported it once a couple of years ago, then it appeared again under the guise of another company. I provided proof that I never had XXXX at my address, that I had another service not related and it was n't even under my name originally, I had to redo that after my ex moved out It was under XXXX XXXX at the time from XX/XX/XXXX through XX/XX/XXXX. Unfortunately, XXXX wo n't let me access back that far again, but they should still have the original information on file. I provided bank account history, utilities, and billing history from XXXX, who was my provider at the time. At any rate, I could provide proof that I did n't have or even need XXXX at they time this company reported me. I even provided a copy of the resolution letter they had sent me the first time, telling me that it was removed. All to no avail. I have been a victim of identity theft in the past and I am afraid this nightmare might not be over. Please 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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Dear CFPB, I am writing to request that you remove all inaccurate information from my credit report. The information that is currently reporting is false and incorrect and goes against a credit law. I am requesting that this information be removed immediately. 

I understand that the CFPB is responsible for protecting consumers from unfair, deceptive, or abusive practices and enforcing federal consumer financial laws. I am confident that you will take the necessary steps to ensure that my credit report is accurate and up-to-date. 

XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Last payment XX/XX/XXXX Payment status 30-59 days late Worst payment status 30-59 days late ACCOUNT DETAILS Account status Open Type FHA real estate mortgage Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Pre viously deleted items where added back onto my credit report without prior written notification. Per FRCA Section 666, all items must be removed.

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 2015-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am disputing a collection on my credit report that is keeping me from obtaining a please to live. The account is with an apartment complex I never lived in. I found out that my daughter put this apartment in my name and has failed to pay the delinquent amount owed. I did n't find out until I relocated and is unable to get an apartment due to this on my credit report. They are unwilling to work with me on a payment plan due to the age of the account. This not being my responsibility am I liable and what steps due I need to take to correct this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX -THIS COMPANY REPORTS ABOUT RENT ISSUE, FIRST OF ALL I MOVED GAVE XXXX DAYS NOTICE, AT XXXX AT XXXX XXXX BAD XXXX XXXX I WAS NOT MOVING TIL XXXX DAYS AFTER I INFORMED THEM THEY SAID OK, I WAS A GOOD TENANT, BEEN THERE XXXX YEARS RENT WENT UP, I LEFT, I PAID WHAT THEY SAID OWED, WHEN I LEFT THEY SAID OWED XXXX XXXX ; T KNOW FOR WHAT I PAID I. XXXX, SO I WO N'T BE PUT INTO CREDIT REPORT, XXXX PROMISED, I JUST FOUND I BEEN REPORTED FOR NO REASON AFTER I PAID IN TIME, AND XXXX OF MY REPORT SHOW XXXX I ALMOST CRIED, I CALL, THEY SAID WILL TAKE CARE, STILL ON MY CREDIT REPORT, IN REMARKS COMSUMER DISPUTING, I DID WEB ONLINE INVESTIGATION. PLEASE HELP ME. I DID NOT GET A RECEIPT, BUT TRANSACTIONS APPEARS ON MY BANK STATEMENTS, I CAN GET FROM BANK ...

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 2023-03-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have banked with Chase for many years and have never had a problem. My paychecks are drawn on XXXX XXXX. When XXXX XXXX  had those problems recently ( bank is still open for business ) and I deposited my paycheck last week, Chase put a hold on my paycheck. I deposited it on the XXXX of XXXX and they are holding it until the XXXX of XXXX. I called XXXX XXXX and the monies are cleared on their end. XXXX XXXX  called Chase and told them to release the check as the funds are cleared on XXXX 's side. They said they could not release it. I called Chase XXXX to try to get it released as well and they told me the check had an alert on it and the computer will not allow them to release my check until the date in the system. I told them it was against the law to hold my paycheck and a violation of the Consumer Financial Protection Bureau. My account is going into the negative now, because my bills are coming through. I get paid again tomorrow and they can not tell me if I deposit my check, if they will hold this one. I live paycheck to paycheck and can not afford my paycheck to be held and not be able to pay my bills, buy food or pay my car payment. I need your help in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: T.S. Holdings
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I asked the company for some verification of the debt. I wrote them on XX/XX/2022. Requesting verification of the debt. They stated I said something about fraud. I need verification of what debt they are claiming I have. I called again on XX/XX/2022 after I did not receive any verification of the debt. I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Their is XXXX problems with my credit report XXXX we have a collection account that has been paid still on my report in which it was taken off once and replace back on. Next, I have a lot of inquiries in which i have no clue were they came from and why they are even on my credit report. This bill was suppose to be handle by XXXX ( XXXX ) XXXX. Disregard the XXXX XXXX XXXX attachment that was handle already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX, XXXX are the same account and they are reflecting XXXX separate accounts which are driving my credit score down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
An account on my file is reporting inaccurately and agency has refused to properly investigate this or do any proper investigation. XXXX XXXX XXXX # XXXX is reporting incorrect status ', dates and balances. It is not correct and I have contacted the furnishers and they have informed me that no one from the agency has called to conduct an investigation. I have repeatedly asked them to verify this account and show me why it is on my file in such a derogatory manner and they refuse to speak to me, give me absolutely any investigation results and paper work and they have not transferred any of the paper work i have submitted to the data furnishers on my behalf, which would have exonerated me. this account is inaccurately reporting and showing as open and it is badly affecting my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A money judgement pending in the Maine XXXX Court - XXXX, ME. was satisfied and dismissed. ( see attached Satisfaction of Judgment & Certified Court Docket ). I wish to remove this Public Record from my credit file as it negatively impacts my XXXX scoring as an erroneous record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion has listed wrong information in my report. 
Attached files are my id, proof

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 2017-04-27
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is  XXXX   XXXX . My wife and I was approved for a {$150000.00} FHA Mortgage  Loan from Quicken Loans. The Purchase Mortgage Banker name  is  XXXX   XXXX .  XXXX   XXXX  called me daily asking me have we found a house that we wanted to bid on. We exchanged numerous emails and phone conversations with  XXXX  giving me house hunting information. I have a copy of the Preapproval letter in my possesion as I 'm typing this complaint. The preapproval letter has an expiration date of  XXXX   XXXX ,   XXXX  . When my wife and I decided on a house that we wanted to purchase, I called  XXXX  like he told me to and he told me that he was going to adjust the preapproval letter to the purchase price of the house which was {$140000.00} and that he would contact me when he was finished so I could copy it from my email and give it to the Real Estate Agent.  XXXX  calls me  45 mi nutes later and tells me that the loan fell through, because of the yearly income. If that 's the case then I was lied to. I was told that this just happen. That 's   XXXX   XXXX   because he had many opportunities to say this to me in the beginning process. Can someone please call me at  XXXX . Thanks

Company response to consumer: Closed with explanation