BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: TX
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. IN ADDITION I DID NOT GIVE YOU TRANSUNION PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681B ( C ) WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIUOS BREACH OF MY PRIVACY RIGHTS.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Subject : Factual Dispute of Charge-Off Account - XXXX XXXX Account XXXX  XXXX I am writing this letter as a consumer to dispute the accuracy of an account listed on my consumer report. Upon reviewing my report, I noticed that the charge-off account labeled as XXXX XXXX Account XXXX  XXXX has not been properly investigated following my previous dispute, as of today, XXXX XXXX XXXX. 

Despite my numerous attempts to address the inaccuracies related to this account, it has come to my attention that TransUnion continues to report this account as inaccurate, incomplete, and unverifiable. Specifically, I would like to bring to your attention the following discrepancies : Balance Reporting : TransUnion is inaccurately reporting the balance on this account as {$950.00}, with a past due balance of {$800.00}. These amounts are incorrect and do not reflect the true status of the account. 

Missing Payment History : Upon reviewing the updates from your agency, I have observed that there is no payment history being reported for this account. The absence of a two-year payment history further undermines the accuracy and verifiability of this account.

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 2020-04-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a certified letter asking them so sent me a Method of Verification for my bankruptcy and if they couldn't please remove from my report and they said it was verified through XXXX who sent me a letter stating the XXXX or Equifax never responded to their request. XXXX, XXXX  nor Equifax has sent me the Method of verifying this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Enterprise Acquisitions
State: VA
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:
Hello ; I rented a car in XXXX of 2013, and had an accident. 
My insurance paid Enterprise most of the amount and i paid the rest, which was my deductible.. 

Thursday of last week a car ran into mine while i was parked, and the other drivers insurance company agreed to pay for a rental for me, from Enterprise, while my car was in the shop. 

The first enterprise i was at said i was on the " do not rent list '' because i owed XXXX from 2013. 

I called the collections department, and all they had to do was look me up, check the files, and sure enough they had records saying i owed nothing with out me having to print out supporting documents from my bank. 

However, they are refusing to send me proof that i have paid my account off, and they are also refusing to contact and update the three credit agencies. 

All I want is written confirmation of what they already told me over the phone, and a copy of the letter to the credit agencies. emails would be fine but they refuse to do that.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-30
Company: SinglePoint GI
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have received several calls and voicemails ( this also happened to me 10 years ago - same exact message and calls reported ). Received on my cell and at work. " This is important message is from General Revenue Coporation from XXXX XXXX the LAW requires that I notify you that I'm calling from a debt collection company this not an attempt to collect a debt and any information obtained will be used for that purpose. Please call us back at XXXX XXXX. '' They called at XXXX pm on XX/XX/XXXX and left a voicemail on my cell phone They called again at XXXX XXXX on XX/XX/XXXX XXXX and left the exact same voicemail on my work phone and called my cell phone but did not leave a voicemail. 

I have not received any mail from this debtor. I would not like any more calls from this number. 

I sent them an email today asking them to send me a formal letter with the original debtor, amount, and no calls until I receive this letter within 30 days. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX  XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2023-07-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the XXXX Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX : {$2300.00}.

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 2023-02-24
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files.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 NV XXXX. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-09-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
Delete hard inquiries listed on my credit report. These accounts were not authorized by me. 

XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: United Shore Financial Services, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was pre-approved to apply for home on XX/XX/XXXX with Nexa Mortgage for price {$290000.00}. I applied for XXXX Loan on loan with Nexa Mortgage to buy a home at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX with a binding contract on XX/XX/XXXX. I received the contract to buy the home.The Mortgage broker XXXX # XXXX is XXXX XXXX, phone number XXXX. The Loan Process was XXXX XXXX XXXX. The loan was supposed to be processed within theXXXX days to close on the loan my XX/XX/XXXX With XXXX XXXX Mortgage XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX was informed that I had submitted all documents that was needed process the loan during the XXXX day contract time to buy the home and loss my {$300000.00} earnest money, inspection fee {$300.00} and {$500.00} appraisal. The loan processor continued to ask for documents needed past the XXXX day period and informed me that the underwriter did not know what he was doing and was no longer working at the company. 
My Realtor Agent XXXX XXXX with XXXX XXXX  informed Buyer to sign a Notice of unilaterally extend closing for XXXX days. I had until XX/XX/XXXX to close the contract with the seller XXXX XXXX. 
My contact was not closed on XX/XX/XXXX due to the Buyer gives notice to the other parties to XXXX XXXX and sale agreement that the closing date is extended for 8 days for the following reason ( XXXX ). 

A. Buyer 's mortgage lender, if any, ( including " all cash '' transactions or the closing attorney could not fulfill their respective obligations by the date of the closing due to no fault of the Buyer. 
B. Buyer 's has not received required estimates or disclosures, and Buyer is prohibited from closing under federal regulations. 
A copy of the notice unilaterally extended closing date for XXXX days was signed by buyer and seller. 
The processing time of not closing my XX/XX/XXXX with Nexa Mortgage not being consistent of the XXXX  day timing process caused Buyer to have a notice of unilaterally extension closing for 8 days. Nexa processing the loan was not within a 15 day period caused me to have to extend to 8 days and losing the XXXX 's {$3000.00} earnest, {$300.00} inspection fee and {$500.00} XXXX. The appraisal was completed on XX/XX/XXXX and The closing date of the contract was on XX/XX/XXXX. The XXXX XXXX XXXX decided to close the contract after the appraisal on XX/XX/XXXX and request the {$3000.00} earnest money although the buyer 's mortgage lender or closing attorney could not fulfill their respective obligations by the date of close due to not fault of buyer and not receiving required estimates or disclosures and Buyer is prohibited from closing under federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX on XX/XX/2020 American Express called me trying collect a debt of a family member from an old corporate credit card. 

The customer service agent over the phone " You are not personally liable but I don't know how this effects your credit score as a supplement ... you need to tell me the plan for the account ''. Heavily indicated that my credit score will be negatively effected if I don't figure out how to pay thing. I believe that is a misrepresentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new account at TD Bank and the bank made a choice to freeze the account and said it was possible fraud. Considering I opened up the account in the branch with photo identification this bank had no business doing this to the account. I believe this happened because I am a man of XXXX and XXXX I was targeted and discriminated against.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Complaint is against portfolio recovery associates : XXXX XXXX Claimed to have a report of a debt to XXXX XXXX credit card, the account is removed from my credit report & is fraud helmet, claims that the account is still active on credit report, harassment calls everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28
Company: SYNCHRONY FINANCIAL
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: Other problem

Complaint:
I received a notice from XXXX  that Synchrony bank increased my credit card limit from {$6000.00} to {$8500.00}. I never requested this nor do I want it. I asked them to reverse it but I dont trust them. I want my limit back to {$6000.00} and my account noted to NEVER change my credit limit without permission.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hello to whom it may concern, have sent in dispute letters but some have not came back as corrected after 30 days, during covid I faced financial hardship and now want to remove all late payments from my credit report during the time period considering the FRCA. 
Below is my attached dispute letter sent to all XXXX bureaus. 

I am writing to dispute the following information that appears on my XXXX, XXXX, Transunion report from XX/XX/XXXX : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
XXXX  XXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$670.00}. 
XXXX XXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1900.00}. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as ''an agreement to defer 1 or more payments or forbear any delinquent amounts ''. 

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 


I personally signed and sent this letter. Sincerely, 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 2023-08-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to 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 non-monetary relief
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
Company: AMERICAN EXPRESS COMPANY
State: VT
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:
XXXX XXXX.XXXX  - NEW YORK {$260.00} I returned {$170.00} worth of clothing from this purchase on XX/XX/19 to a XXXX XXXX XXXX store in Vermont. The refund was not processed correctly and I did not see the refund posted to my AMEX account. 

After waiting over 5 days for the merchant to refund my money, I filed a dispute with AMEX, provided a copy of the refund receipt, but have not received a temporary credit on my account for the disputed amount while the dispute is being investigated. I'm being held responsible for the full charge while the dispute is being investigated - which I was told could be up to a month, even though I provided written evidence of the receipt for the refund. 

AMEX told me that they will not issue a temporary credit on my account until next month. This is not a permanent refund amount, this is a temporary credit they would issue while they look into the dispute. 

I've gone round and round with AMEX and they still insist on jerking me around - like they have several times in the past few months. STOP TREATING YOUR CUSTOMERS LIKE XXXX! 

I provided the refund receipt - issue me a refund like I deserve!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are two account that are old and past seven years old. The first one is XXXX and the other is XXXX XXXX. I first did XXXXwo disputes with all credit bureaus and they refuse to remove the outdated files. I then reached out to both credit lenders and XXXX XXXX agreed to remove the account. This has not happened and its been over thirty days. I reached out to XXXX XXXX for XXXX and actually spoke to a live person that stated that they no longer had my account information in their database and could not assist me any further. I then filed another dispute with all three bureaus without any results except the usual response '' please reach out to the lender ''. Both creditors have zero balances and was closed due to inactivity over eight or nine years ago. I need help in removing this outdated information. I did everything possible with all three bureaus before contacting this agency. Please help me resolve this never-ending issue.

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