BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference. 

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 and 608, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial situation.

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 2017-12-15
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX, amount of XXXX. I have disputed this account with all 3 credit reporting agency. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I have viewed a copy of my most recent consumer report and have found accounts reporting in error LIST OF ACCOUNTS WITH LATE PAYMENTS : XXXX account XXXX XXXX As a credit reporting agency you have assumed a vital role and are obligated to report the most accurate and up to date information. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Please re-investigate and send me proof that these accounts are in fact late. If you can not provide me proof that the payment on these/this accounts/account were late then according to the FCRA these late payments must be updated to paid as agreed am aware that you have 30 days to complete your investigation. Please send me an updated copy of my consumer report reflecting the changes made Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved

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 2023-02-10
Company: Maximus Education, LLC dba Aidvantage
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loans were transferred from Aidvantage to XXXX. Aidvantage last reported in XX/XX/2022. The balance with Aidvantage is now {$0.00} because the loans were transferred to XXXX but my credit report is still displaying balances from Aidvantage. The balances are {$9300.00} ; {$20000.00} ; {$13000.00} ; {$53000.00} ; {$2900.00} ; {$1700.00} ; {$4300.00}. All of the balances with Aidvantage are {$0.00}. My student loans are currently with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2018-08-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Until recently, I was unaware I could file a complaint for the reason described below until I was told by my financial advisor, hence my delay in doing so.

On XX/XX/XXXX, I received a denial for credit from XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX, XXXX, DE XXXX ) for an XXXX Visa Signature credit card ( reference # XXXX ). 
The reason cited was : " Not enough accounts opened long enough to establish a credit history. '' At the time, I had the following credit card accounts opened : 1. ) XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX - Opened since XX/XX/XXXX 2. ) XXXX XXXX MasterCard - Opened since XX/XX/XXXX Further credit account entries on my credit report were 1. ) XXXX XXXX account - Opened since XX/XX/XXXX XXXX. ) XXXX XXXX loan account - Opened XX/XX/XXXX All these accounts had been opened several years at the time of application. 
I was given additional ways to expand my credit history, such as car loans, mortgage housing, etc., all of which I already possessed at the time of application so this decision was really not at a negotiable point. 

Of Note : 1. ) The credit limit for the XXXX / XXXX XXXX XXXX was increased twice on the credit report received by Chase Banks at the direction of my credit card company who did so based on my timely payment history. 
2. ) The credit limit on my XXXX  was increased again after this credit denial, again at the behest of my credit card company. I have a history of never making late payments on anything, as shown by my credit report. 
3. ) Given that the other companies named above issued credit to me as well as my excellent credit history, Chase 's faulty denial of my application was arbitrary and based on unrealistically high criteria of expecting even further credit accounts for consideration. 
With my credit status as it is, It is doubtful that many people could actually obtain this Chase card, that is if Chase underwriters are actually using consistent criteria. 
4. ) As this account offering was made on XXXX and was instantaneous, it is highly suspect that I could have been rejected that quickly. However, XXXX offers " gift cards '' should the applicant be denied within the same transaction. 
The offer also states the applicant would receive {$50.00} off their first purchase if credit is approved. This is consistent with a bait and switch scheme so this might also be reportable to an additional government agency ( i.e. Federal Trade Commission ). A credit card offer is still on XXXX 's website. 

Please feel free to contact me should you have additional questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: AMERICAN EXPRESS COMPANY
State: NY
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 XX/XX/XXXX, I received an email from my friend referring me to American Express Gold Delta Skymiles Credit Card. The terms and the condition, as well as the promotion, clearly shows that if I ( the customer ) spend {$2000.00} within 3 months, I will get XXXX Delta Skymiles. 

I applied for the American Express Delta Skymiles card in XX/XX/XXXX and I was approved immediately for the card and shortly followed up by an email confirmation ( see attachment ). 

After I got the card, I spent {$2100.00} in XX/XX/XXXX, which was within 3 months after I am approved for the card, in accordance with the promotion requirement of the credit card. 

However, after I paid off my balance of spending {$2100.00} in XX/XX/XXXX ( one month after I got the card ) the XXXX did not show in my American Express Delta Skymiles account. 

In XX/XX/XXXX, I called the customer service twice and the representatives says that they can not help. The representatives says Although you are approved for the card, you was not approved for getting the XXXX. And this was not inform you in any emails. You ( the customer ) would not receive about this information unless you have called us ( the American Express ). I have asked twice about this statement and the representative replied me with the same answer. 

I have also used online chatting customer service. No one helped me. 

I believer this is a Bait-and-Switch Scheme. American Express send me an offer of the American Express Gold Delta Skymile Card, I applied and the American Expressed approved. However, after I spent the money using the card and paid off completely along with the annual fee, I did not get the promised offer that I supposed to get, which is one of the main reason that I have signed up for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 submitted this complaint to update this suspicious information. XXXX and TransUnion Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-09-16
Company: SYNCHRONY FINANCIAL
State: MI
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:
I am reviewing my credit report from XXXX. It shows that an individual credit card from SYNCB/PPMC was opened in my name in 2012, was allowed to go into delinquency, and was shut down. I did not open this account. This ding on my record is preventing me from getting a loan for car and home.

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 2021-06-24
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-11-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I wrote a check and mailed it XXXX XXXX, the apartment complex I moved from. The following day the check was cashed via mobile deposit. A few days later, XXXX, a fraud XXXX at XXXX & XXXX XXXX called and stated that she felt my check was fraudulently cashed and I should contact my bank, Wells Fargo, to start a claim. She was going to investigate matters on her end also. I immediately called them to start the process. On XX/XX/2022 I received a letter via mail stating they would investigate the matter, reach out to me with any additional information needed, and this process would take 90 to 120 days. That was the last I heard from them. After 90 days had passed and I called and was told I needed to wait the 120 days before I could get an answer. After 120 days I called again, as I hadn't heard anything from them, and was again told I needed to wait. I then began calling weekly for updates, each time being told that the 90 to 120 days is a general time frame and they were waiting for XXXX & XXXX to return the funds. I went into a local branch of Wells Fargo and had a employee help me look into matters and started a complaint with the bank. This also led to no resolution or my money being returned. I did receive a call from a customer service XXXX. She suggested I contact XXXX & XXXX and discuss with them why they haven't returned my money they fraudulently gave to another person. I contacted XXXX numerous times and she failed to return my calls concerning my money. At this point I went into a local branch of XXXX & XXXX to speak to the branch XXXX for additional help. He also tried to reach out to XXXX with no answer from her, again. Both bankers I spoke with told me it shouldn't take more than 10 days to resolve a matter like this. My concern now is that there may be a time limit on how long it takes them to return my money and they will no longer be responsible to get it back to me. I've had to pay this money twice. {$1400.00} dollars may not be a lot to the banks, but it is to me. 
I'm hoping you can help me resolve this or point me in the right direction. I'm only getting the run-around from both of these banks. 
I look forward to hearing from you. Thank you, in advance, for your 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 explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-07-06
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: Their investigation did not fix an error on your report

Complaint:
Attached you will find a credit report showing the XXXX XXXX account is closed and all payments are on time and this account was opened XX/XX/XXXX over XXXX  years and XXXX months and XXXX, XXXX and Transunion are still showing this on my credit report. Please see attachment. And showing like I still making payments on this account for XXXX, XXXX, XXXX and XXXX when this account has been closed. No payments are being made so why is this still showing and the account is closed and over XXXX years old.

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 2023-11-01
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting 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 XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Requested refund on my payments, was told 4-6 weeks I would have my payments refunded to me but nothing. I called customer service multiple times but I would get different information each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has sent me a bill claiming I owe a debt. They posted the debt on my credit ( XXXX ).  The company never gave me 30 days to dispute prior to posting to my credit report. This is against the Fair Trade Act.

This debt from Hunter Warfield is not mines.

COLLECTIONS Hunter Warfield Inc Opened XX/XX/2016 {$4000.00} Original creditor : XXXX XXXX XXXX XXXX Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized inquires that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquires removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation