BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I called XXXX XXXX regarding my XXXX credit card ending in XXXX. A representative XXXX  answered the call and enrolled me in a 90 day program for hardships. I asked more than once if my credit report could be affected specifically for 30 day derogatory reporting and he said several times no. He told me as long as my past due balance was paid within 90 days my account would be fine, return to current status with no negative credit reporting. I was extremely clear on my request and I asked several times. He even stated on that day that my account was 23 past due. I replied that the account was 29 days since the payment was due on the XXXX of XXXX to which he explained about statement dates and assured me the account was 23 days past due as of XX/XX/2023. Before I got off the phone with him I paid {$25.00} and he confirmed receipt of the payment. There was no amount given to me to enroll and he stated any amount was fine. Today my credit reports are reflecting 30 day derogatory marks. I would like these derogatory marks to be removed and the call with that XXXX employee to be pulled to listen to what I am staying as facts. I did call today and ask for a XXXX rep who submitted a claim on my behalf. 
I know my account is past due but I have always made my payment before the deadline and I only inquired about the hardship program because I received a notification on the XXXX app. Please note that none of my statements reflect a past due amount, only a minimum amount due so I have to either call to get that amount or reference past payments. In addition since the rep told me I had to make the minimum with 90 days, I even made an additional {$50.00} payment on XXXX XXXX XXXX. I would like this corrected please as I did exactly what the contracted rep stated.

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 2023-07-23
Company: AMERICAN EXPRESS COMPANY
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to file a formal complaint against American Express regarding their failure to respond to a billing error, I reported on my Credit Card billing statement ( s ) on Account Ending XXXX and Account Ending XXXX. I initially noticed the billing error on XXXX XX/XX/2023, when viewing both the XXXX statements for the certificate of indebtedness on Account Ending XXXX and Account Ending XXXX, and in accordance with the regulations outlined in 12 CFR 1026.13, I promptly sent a written notice to American Express on XXXX XX/XX/2023 via United States Postal Service Certified Mail Receipt Number XXXX. Instead what American Express has done is closed both Ending XXXX and Account Ending XXXX continued to report negatively on my account. American Express to this day removes money from my accounts. This has caused me great harm and has not allowed me to take job opportunities that could assist in me paying off debt to setting the affairs of my estate and be in good standing in the private and in my private life. I've also attached my credit report as evidence. According to 15 U.S. Code 1681n, any person or entity that willfully fails to comply with the requirements of the FCRA may be held liable for actual damages, punitive damages, and attorney 's fees, as determined by a court of law. The specific noncompliance issue in question involves American Express unwillingness to send me an acknowledgment of my billing error notice. This action has had significant adverse effects on my rights as a consumer and has caused me undue financial and emotional distress. I've missed out on employment opportunities that could pay me XXXX XXXX more per year. I'm also aware that my account was/are held in a trust according to American Express Trust Indenture Agreement XXXX I will be contacting the XXXX XXXX XXXX XXXX XXXX XXXXXXXX who is American Express Trustee and inquiring about my closed accounts. I will also file an FTC faud compliant against American Express as well as reporting American Express to the SEC for Securities Fraud. I kindly request the CFPB to investigate this matter and ensure that American Express complies with the billing error resolution requirements outlined in 12 CFR 1026.13. I also request appropriate action be taken to protect my consumers information and hold American Express accountable for their failure to address my legitimate concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved.

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
Radius Global Solution is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities.

This is also a NOTICE exercising my rights to prevent the processing of my personal data by Radius Global Solution.

Please be advised that providing a memorandum or other statement from your agency, stating that Radius Global Solution the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. 
PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.

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 2023-07-23
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
In the month of XXXX XXXX charge my account for XXXX XXXX which I did not authorize. I contacted them and was told they did not make any transactions from that card, Citibank state they did They took out {$7.00}. In the month of XXXX I entered the 30 days free trial for XXXX XXXX, about a week XXXX did a transactions from my citibank account for XXXX XXXX for {$16.00} The 30 day was not up, so I told them to canceled it. In the monthof XXXX they charged me for XXXX XXXX {$16.00}. XXXX. Contacted both companies and never got it resolved .Too many back and forth no money was refunded

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
The unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance {$4200.00}

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 2023-11-10
Company: Nelnet, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please remove alleged XXXX loan from my name. Loan was returned. Balance is {$0.00}. Remove from credit. Shouldve never been added to credit due to me returning loan before it was disbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Experian Information Solutions Inc.
State: PR
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:
In XX/XX/XXXX I reported to Experian that XXXX had reported incorrectly that my mortgage was foreclosed on. Experian reached out to XXXX ( Lender ) and XXXX  reported to them that the Loan was " legally paid off for less ''. However my credit report states since the dispute " resolution '' in XX/XX/XXXX that the mortgage was Foreclosed on. ( I will attach evidence of this ). 

Since XXXX I am a member of all the credit bureaus including Experian. Only until yesterday did my proof of sale ( not Foreclosure ) were accepted by Experian on the www.experian.com/upload site. 

I have invested hours upon hours to get this resolved and it is adversely affecting my ability to get new credit. I am also a member of Experian and called numerous times but they say it has to be XXXX to clean this up. I am at a loss. 

This report is specific to Experian.

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 2023-11-09
Company: SYNCHRONY FINANCIAL
State: SC
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:
SYNCB/SYNCHRONY MUSIC pulled my credit on XX/XX/2022. Federal laws broken are 15 USC 1681 A 1-6. This was an invasion of my financial privacy.

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 2023-11-09
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I settled a debt with the creditor XXXX from XXXX and told me they will change the status to settled in full but shows a balance on my credit report please fix this issue its inaccurate and please report this problem to all of the 3 bureaus XXXX XXXX and XXXX have them change the account status on my credit report or Ill take legal action!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: OH
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:
RECENTLY I PULLED MY CREDIT REPORTS BECAUSE I WANTED TO APPLY FOR A MORTGAGE AND REALIZED THAT I HAVE A PUBLIC RECORD ON MY CREDIT REPORT. I HAD A BANKRUPTCY BUT I NEVER HAD A BANKRUPTCY IN MY LIFE. I NEED THIS REMOVED IMMEDIATELY. I HAVE A RIGHT TO PRIVACY AS A CONSUMER AND XXXX, XXXX AND EXPERIAN ARE VIOLATING MY RIGHTS. I DIDN'T GIVE THEM THE CONSENT TO FURNISH THIS INVALID AND INACCURATE INFORMATION ON MY CREDIT REPORTS. THIS IS UNFAIR AND AFFECTING ME TREMENDOUSLY WITH THE BANKING SYSTEM AND THIS IS ALSO RUINING MY REPUTATION. I DEMAND THIS GET REMOVED NOW

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 2023-06-27
Company: EQUIFAX, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX Requested Correction XXXX please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: NE
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-04-19
Company: Prince Parker & Associates
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today I received an alert for a debt amount of {$410.00} to a debt collection service/attorney named Prince Parker and Associates. The original Creditor was XXXX XXXX. I have no knowledge of this Service/Agency, and I have do not have a XXXX account. I have not for a XXXX  account for a couple of years and when I did I paid everything in full. This XXXX account was fraudulently opened in my name and in turn this debt collection account is a result of it. I have the same issue with a XXXX XXXX  account which I also filed about as well so whoever has stolen my identity has opened multiple accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: WI
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
BMO Harris Bank conversion of Loan Servicing to XXXX XXXX  XXXX which took place XX/XX/20 - XX/XX/20 XXXX Written notification, sent by mail, was received less than 14 days in advance as is required by law. 
The letter was printed on XX/XX/20 but was not received until Monday XX/XX/20. 
This only allowed 10 business days to find an alternative. 

I did not wish to work with XXXX due to their numerous negative reviews. 

2-They could have emailed me about the conversion 14 days in advance, but did not. They emailed me a " reminder '' TWO DAYS before the conversion on XX/XX/20. 
They have emailed all my statements in the past, so they had this information and could have used it but chose not to. 

3- I paid the Payoff Amount on XX/XX/20, this included the 17.23 interest due. 

4-On XX/XX/20 XXXX sent a statement billing me a second time for the 17.23 interest. 
The statement even shows that I paid the 17.23, yet they are demanding it again. 

5- XX/XX/20 I used the BMO Harris `` Contact Us '' form to request correction of their billing error. I gave them detailed information including account numbers. No response. 

6- XX/XX/20 I used the BMO Harris `` Contact Us '' form to request correction of their billing error. I gave them detailed information, including account numbers and statement copies. No response. 

7- XX/XX/20 I sent a letter by mail to request correction of their billing error. I gave them detailed information, including account numbers and statement copies. I asked them to close my account and reflect this was done at my request and signed the letter. No response. 

8- XX/XX/20 I emailed Mr. XXXX XXXX CEO of Harris , to request correction of their billing error. I gave detailed information, including account numbers. I asked him to close my account and reflect this was done at my request. 
No response. 

9-I tried calling the 800 number several times over several days and all it does is loop from one voice menu to another. It is impossible to reach a person. 
There are likely understaffed, as they have numerous jobs posted on XXXX, XXXX, etc. 

XXXX has a horrible track record and mostly negative reviews. 
I do not want these people to destroy my good credit. 

It is appalling that from XX/XX/20 through today, XX/XX/20 there have been no responses in any way shape or form regarding my communications. 
Isn't it a law that there must be a response within 5 days?

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 2022-10-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6100.00}

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 2020-10-03
Company: ASSOCIATED BANC-CORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, my name is XXXX XXXX XXXX. I think I am a victim of a scam. A XXXX XXXX sent me a check through email and I thought it was real but I dont think it is. My whole bank account is froze and I cant access any of my real money because of this scammer. I want it off my account and I want my account unfrozen ASAP. I called my bank and they said theres nothing they could do about it but I need my account open now so I can catch my XXXX and get to work. I am only XXXX years old, I dont know what the XXXX Im doing. And I cant tell my mother because she will XXXX  me and I dont mean that in a sarcastic funny way she is very XXXX. Im asking someone to please help me, I will send you all the information I have about the scammer but I am begging you to please open my bank account. I bank with associated bank in XXXX IL on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We had hurricane XXXX pass and we asked to put 2 months on the back of our loan. We called back to start paying they said hey messed up and did it as we needed help with covid, and they said h to my cant do it anymore we would need to make payments in 4 plus our mortgage. Told them that was not possible and they had to add it to the back of the Lon like the lady told us. They tell us they can not do that and start a modification process, we had no idea what this was. We are first time buyers new to all of this. It has been since XX/XX/2021 and we still have no answer we are behind XXXX and can not make any payments to them. Mr cooper is treating us so wrong and has done nothing to help us with the situation. They are the worst mortgage compny

Company response to consumer: Closed with explanation