BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-25
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:
I disputed a collection account that was resolve by agreeing to take it off my report which was suppose to raise my credit score but it shows the opposite on my report after the deletion

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 2023-03-16
Company: Experian Information Solutions Inc.
State: FL
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 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX 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 2022-03-09
Company: Experian Information Solutions 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:
XX/XX/2022, submitted a letter, XXXX XXXX XXXX Bankruptcy XXXX, regarding an entry appearing on my Experian Credit Reporting Account. 

XX/XX/2022, received a letter from XXXX XXXX XXXX Bankruptcy XXXX, confirming that the XXXX Bankruptcy XXXX doew not report case information to the credit reporting agencies XX/XX/2022, submitted a follow-up letter to the Experian Credit Reporting Agency , in which Experian reported as being verified with the bankruptcy court, which prompted me to contact the Bankruptcy Court ,

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 2022-03-09
Company: Experian Information Solutions Inc.
State: PA
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:
Upon checking my most recent credit report, I noticed that you are continuously reporting an account with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed Experian with regards to this issue and I have not received any response from them until this date. Listed Below is the account in question : XXXX XXXX XXXX {$0.00}

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 2023-06-01
Company: CBC Companies, Inc.
State: WV
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 was working with a mortgage lender through XXXX XXXXXXXX XXXX and asked her to get me a quote to see what my odds of approval were based off of my income and debt. I specifically told her several times I did NOT want my credit ran until we knew I could get approved for a loan, and then we could decide to run it later and talk about which loans I wanted to apply for. She said the only way she could look at my taxes is if I uploaded my documents to the application link she sent me because she couldn't access them on her personal computer via dropbox, or any other means. She stated there would be a section on the application to state that I didn't want my credit pulled. I went through all the sections, demographics, etc. and then uploaded the XXXX 's and taxes for XXXX and XXXX. I then received an Alert that there was an inquiry on my credit report on their application website, and on my XXXX XXXX app. I sent her a screen shot of this and she stated that she didn't do it and was in a meeting. I told her it must've been automated, but either way I was furious. She called me once she got out of her meeting and tried to said it was my fault because " I submitted a full application and clicked 'submit ' ". I said " no ma'am, this is NOT going to be on me, I specifically told you I did not want me credit ran, and you said the only way that you could look at my documents was to upload them on this site. I used the same exact process and application with XXXX and theirs looks EXATLY the same and they didn't run credit, so it has to be something with your system, maybe it was automated, or something, but I am not happy. '' I have documentation over text message where I specifically told her I did not want my credit ran. I immediately called the number from the XXXX XXXX  app XXXX and spoke to a XXXX, and disputed the inquiry and told her it needed to be removed IMMEDIATELY because it was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: AG AH LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, Our property taxes were reduced by the tax assessors office this XX/XX/XXXXand are impounded by our lender. Once the board repealed our increase and lowered our property taxes I called the lenders. One reacted within 2 weeks sending a check and reducing our monthly payment. However ArcHome loans after promising to send {$1700.00} on XX/XX/XXXXstill has not performed. I just called again for the 6th time and was told another check from the county has been received and it's being held in escrow. I've asked for our money to be sent priority and they are refusing. Making more empty promises. Our mortgage was finally reduced after over 3 months. I've spoken to managers XXXX and XXXX and nothing. I've emailed all documents and they continue to get refunds from the tax assessor for our money. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hello. I called Global Lending Services to make an arrangement to pay my car note. My XXXX  had lost his job and weve been struggling. However, I said I can pay one payment of XXXX on the last day of the month. That would be XX/XX/XXXX. I wake up, pay the note at XXXXXXXX XXXX pst. This company comes and repoed my vehicle at XXXX XXXX. Now they are giving me the run around telling me it was rightful and justified and theyre quoting me the east coast time. I am on the west coast. Please help! This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report shows a debt in collections that I do not owe, never did business with the company nor do I know anything about delinquent debt with the company called XXXX XXXX XXXX. I never applied for credit nor conducted business with this company. The amount reported in collections is {$280.00}. I do not have any accounts in collections. My credit score dropped XXXX points today. The collection company name is Transworld System Inc. I called TSI this morning and the company had nothing on file relating to my social security number. I called XXXX two times and a dispute was submitted awaiting this FTC complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This credit card dispute was called into Barclay 's bank on XX/XX/2020. To date, XX/XX/2020 - all I get is " it is STILL under investigation ''. In regard to this dispute the Bank has also NOT issued a temporary credit and has required that I pay all amounts billed in full, or pay the interest and penalty. They told me resolution could take 90 days and they do not issue temporary credits. That is unacceptable. XXXX XXXX  and all other banks, gives temporary credits immediately upon receiving the dispute. 

This is summary of my letter to them : Dear Barclays Bank Dispute Dept. 

Claim Number - XXXX Credit card ending in XXXX Amount in dispute {$4500.00} On XX/XX/2020 I purchased 6 tickets, plus 6 seats ( one @ {$70.00} and one @ {$30.00} ), for a grand total of {$4500.00}. These charges appear on bill due XX/XX/2020. 
Two flights were for XX/XX/2020 with return on flights for the XX/XX/2020. In XX/XX/2020. I received an email from XXXX XXXX that the all 4 flights were cancelled. Page A1 & A2 - in attached backup uploaded file. XXXX XXXX offered to allow us to re-book. They NEVER offered us a refund for the cancelled flights. 

As per U. S. Department of Transportation Enforcement Notice dated XX/XX/2020 and uploaded here as documents B1 & B2 where it clearly states, Carriers have a longstanding obligation to provide a prompt refund to a ticketed passenger when the carrier cancels the passengers flight.. 

Also stated on document B2 that it is essential for the carrier to notify the passenger that it provides refunds if the carrier cancels the fights. 

XXXX XXXX did NEITHER. I was never notified or offered a cancellation refund. 

I therefor officially dispute these charges and turn to you to instruct Barclay 's Bank to promptly credit my account for above sum. 

List of charges is on the next page below. 

Attached is copy of reservation showing cancelled flights and also a copy of the Dept. of Transportation Order. 

Attached is copy of my fax receipt to show proof that i sent 6 pages via fax. This is same as what was uploaded to you.. 

I am also uploading the pages from my statement that shows these charges. Please keep this page confidential Date Amount XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$660.00} XX/XX/2020 {$650.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$70.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} XX/XX/2020 {$30.00} Grand total of Disputed amount {$450000.00}

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 monetary relief
Consumer complaint received 2023-06-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Amex had an offer for opening the savings account, depositing {$25000.00}, to receive {$350.00} bonus after keeping money there for 90 days. I opened the account end of XX/XX/XXXX, but could not promptly deposit the {$25000.00} because the number of the account was not generated and the paperwork with the account was not sent to me for a while. I could also not link any external account to Amex savings due to some glitch issues in their system and new account opening being serviced/processed. 

The first day on which I could deposit the {$25000.00} was XX/XX/XXXX. I called Amex when I had a problem with depositing money upon opening the account, and the personal representative said I will still be eligible for the bonus so long as I deposit within 60 days. Unfortunately, no bonus was received by me at any time, and when I called back in XX/XX/XXXX, Amex said I had to deposit money immediately upon opening to get the bonus. This is not what I was told by the personal representative, and this was impossible based on the Amex system generating the new account and not providing options for deposit. 

Thus, I request the {$350.00} bonus per promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: U.S. BANCORP
State: IN
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:
My wife and I had an Auto Lease Loan with US Bank ( via XXXX of XXXX ). The lease expired on XX/XX/2020 and the vehicle was returned and the end of lease paperwork sent to US Bank. However, they kept sending us bills post lease end date and did not acknowledge lease had ended until XX/XX/2020. In the meantime, a payment late has showed up on our credit history and attempts to get rid of it has been unsuccessful. 

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 2021-08-23
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit and saw an account from ONLINE INFORMATION SERVICE with the Original creditor being XXXX XXXX -FTC for {$96.00}. I never received any correspondence via mail about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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/20 XXXX  has placed an inquiry On my credit report that I did not authorize nor initiate They are harming 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 2021-08-23
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw an account from CREDIT COLLECTIONS with Original creditor : XXXX for {$290.00}. I was homeless at the time of service and requested financial assistance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I get paid by the first of the month every month. My employer sends all of my deposit information to my bank three to four business days before the actual payday Now, when i first opened my acct. With Moneylion i did it because they had products and services that inteigued me. However, those services ( getting paid two days early ) only happened the first two months i moved my direct deposit from XXXX ( who always honored getting paid two days early no problems ) to moneylion. The last four month have been a battle trying to get them to honor their advertisements of getting paud two days early and when i call i can never speak to a supervisor. Ive even set up appointments for supervisors to return my call to no avail. They already informed me that they received my deposit information from my employer on thursday. The first is Tuesday with Monday being a holiday. So, in all reality i shouldve been paid yesterday, today at the absolute latest. I am being told my money won't go through until Monday the holiday. My car is going to be repossessed because these people have deceptive, unethical, and fraudulent banking services they advertise. Ive had family whom have worked for online banks and they told me that they hold onto your money as ling as possible to earn intrest off of your money. I never believed it at first but these last four to five months have made me a believer. I hate banks in general but im now wishing i wouldve never switched from XXXX  to moneylion because at least they honored their advertised services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-06-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was late on my account this month due to being paid later. I tried to log in and could not make a payment. I could not move through the payment process without adding money to either my principle or my escrow. The blue CONTINUE option button would not illuminate until at least XXXX cent ( XXXX ) was added to principle or escrow. Once I was forced to add XXXX cent ( XXXX ) to either option I could navigate to the next option to try and complete payment. Once there the calendar came up and I was not able to select a date to send the amount on. I was unable to select the current day or the next day. I also received and error that " You do not have at least two eligible accounts to transfer money. '' My new account has been linked since at least since XXXX. Payments has been made and taken out of the account. When I tried to complete the process I received " Your transaction could not be completed eat this time. Please try again later. For questions, call XXXX ( called two times ). I called into that number and after my account was brought up it states they were unable to process my call and I needed to speak with a customer service representative. I also called XXXX ( called two times ). Told the same thing. I was able to call XXXX and finally make a payment. While making the payment I did not have the option to not pay late fee, which usually an option when online payments are made. I called in to figure out what was wrong the account and was told that the new account that i had been paying with since at least XXXX was not verified. I spoke to XXXX customer service agents and XXXX technical assistance and had to basically beg for an escalation.

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 2021-08-23
Company: American Student Assistance
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: Investigation took more than 30 days

Complaint:
I sent these creditors debt validation letter 30 days ago asking for your company to provide me with proof that I own this debt, and these companies has failed to respond. I then looked at my credit report and noticed that these creditors are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if they failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}.

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 2022-05-15
Company: Experian Information Solutions Inc.
State: TX
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 XXXX 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 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