BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Corporate account beig reporting on my personal Transunion Credit Bureal. I have sent all the docs indication that the account being reporting by Transunion is a corporate account, in addition to many phone calls to this company without any results. Dates that Transunion has been contacted : XX/XX/2023 ; XX/XX/2023 and XX/XX/2023.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XXXX I requested a method of verification for an account that was reporting incorrectly on my profile. I pulled my report and noticed its still showing incorrect. There is a note stating " Account information disputed by consumer, meets FCRA requirements '' but how can this be possible if the account is inaccurately reporting an " Open account '' status on a collection account. In addition, the open date for this account is invalid.

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these are hard inquiries on my credit report that are fraudulent

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 2022-05-16
Company: EQUIFAX, INC.
State: IL
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:
Credit card account information was posted without my authorization, not to mention XXXX of them were paid in full, as a result of the informaton being on my credit report it has impacted my ability to find a place to live, all three credit bureau 's have violated my rights, and this is grounds for removal according to 15 USC 1681, section 602 A, which states, I have the right to privacy, and 15 USC 1681 - 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions so therefore they used my information imporperly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Asked to fixed the late payments they messed up They keep switching the dates of late payments

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Account # XXXX XXXX XXXX and Account number XXXX XXXX XXXX has reported wrong information on my account that isn't 100 percent accurate. I request the reporting companies verify the accuracy of the information disputed, Also send me a copy of an original contract agreement that has been signed myself 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 2022-05-16
Company: EQUIFAX, INC.
State: WA
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:
EQUIFAX is reporting balances and available credit for my account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX multiple months out of date. 

This impacts total credit utilization scores as my available credit is actually higher than reported, and they are showing that I still carry balances on this card when it is paid off. 

The primary issue is with the glacially slow rate with which they update account information with certain institutions, and it's impact on my credit score, especially given that I am purchasing a home, and this directly impacts the interest rate I qualify for, despite a 100 % perfect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2022 American Express To Whom It May Concern, I am a XXXX XXXX XXXX, semi-retired XXXX. I have carried an American Express card for some XXXX years. I have always been loyal to the brand throughout that time and had an exemplary record of payments and interactions. I felt that American Express 'Had my back ' throughout that time. I am currently on vacation in XXXX XXXX for XXXX weeks. I have used my business card several times for expenses, including internet services. Yesterday I received an email notice from Amex that my account had been CANCELED. I have always made payments on time and significantly higher than required. To my knowledge, there were no issues that could have prompted this action. I feel betrayed. I feel that American Express has no regard for my loyalty, and further, has no respect for my age. If this be true, I simply want ANSWERS Today, I spent more than XXXX hours on the phone and on hold only to be disconnected when required 'team ' member picked up. When I called back, I was told that I would have to be re-connected to the 'special team ' for resolution but that their 'system ' was down and it would be another extended wait. I opted to use online chat and asked to be connected to the relevant " team ''. I was told to call back. 
On XX/XX/XXXX of this year, I was notified by American Express, that another fraudulent payment had posted to my account, with XXXX balance for {$50000.00}. I immediately chatted with Amex XXXX, since it was after hours, and was told to call back in the morning, which I did. After spending several hours on the phone with no less than XXXX employees, I was told that the issue would be investigated and resolved by XX/XX/XXXX? Please note that XXXX was the day that the initial investigation was to be concluded. 
I intend to pursue these unexpected and unreasonable action on the part of American Express in any manner possible including social networks, government agencies, and potential legal actions of age discrimination. Your prompt and diligent effort are appreciated. 

Regards, XXXX XXXX XXXX : XXXX  XXXX XXXX CFPB, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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: Investigation took more than 30 days

Complaint:
I am submitting this complaint on my own behalf. I am submitting this complaint based on new information, regarding a past complaint against Experian dated XX/XX/XXXX Experian stated in the previous complaint response that they would send me reinvestigation results within 30 days. It has been WELL past 30 days since my first compliant and I still have not received anything regarding the reinvestigation from Experian. I have not received any reinvestigation results regarding this account from Experian through any mediums. Under the Fair Credit Reporting Act Subsection 611 ( 15 USC subsection 1681 ( 6 ) ( A ) Notice of Reinvestigation Results, the results of the reinvestigation must be delivered by MAIL or if authorized by the consumer for that purpose, by other means available to the agency. I NEVER authorized Experian to deliver any reinvestigation results by any other way then MAIL. I also asked Experian to provide me with the description of the procedures used to verify accuracy in previous disputes. I'VE DISPUTED THESE INACCURATE, DUPLICATE ACCOUNTS MULTIPLE TIMES. Under the Fair Credit Reporting Act Subsection 611 ( 15 USC subsection 1681i ( 6 ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone of such furnisher. HOW CAN YOU VERIFY INACCURATE INFORMATION? Them changing the status of how the disputed accounts are reporting is NOT enough because it's still INACCURATE and DUPLICATE reporting. I will not be giving you another days to " investigate '' any disputes as you have had since XXXX of XXXX to correct all inaccurate reporting. I have been trying to resolve this matter without litigation but it has caused me great stress, mental anguish and headaches and has harmed my ability to obtain credit. I have been damaged by Experians inaccurate reporting and disregard to follow federal law. I will now file complaints with the Attorney Generals offices, the FTC, the XXXX and seek an attorney to sue because Experians violations are clear as DAY and Experian has NO INTENTIONS on complying with FEDERAL LAW after I've done my due diligence to mediate this problem with civil proceedings.

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 2023-09-13
Company: EQUIFAX, INC.
State: NJ
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 first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I don't want these accounts in my report, they are directly affecting me and they are not mine. 

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 non-monetary relief
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 that a consumer reporting agency can not furnish a account without written instructions.
15 U.S.C 1681c. ( a ) ( b ) Section States : No consumer reporting agency may make any consumer report containing and of the following items of any information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-10
Company: LEXISNEXIS
State: VA
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 have filed dispute after dispute and also suppressed my records with LexisNexis due to them reporting inaccurate information in my public records and stating that the pacer service center provided this information. This is pertaining to a bankruptcy that I filed in XX/XX/XXXX and it was closed on XX/XX/XXXX and it was dismissed not XXXX LexisNexis verified this information as accurate when it fact it is not accurate an causing total harm to my credit file. So I contacted the XXXX XXXX XXXX and was able to obtain proof from them that this case was in fact dismissed and not granted a discharge and they also provided documentation. Case I.D . XXXX Debtor Disposition : Discharge Denied Pending status case closed Flags : Repeat CLOSED Filed : XXXX XXXX Upon speaking with LexisNexis after my identity was verified it was stated to me that they dont even have this bankruptcy on file and neither did they report this to XXXX because my information is suppressed so they couldnt verify I am attaching proof of my address a bill and my drivers license I want this issue fixed and they continue to go back in forth when I have information from the Pacer service center providing correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: The Receivable Management Services LLC
State: FL
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 updated the account number that your company 's record on my credit report. You mentioned last time that you could not find my file because it was showing a different account number but now that I have updated I hope there will be no more reason for you to not send me the letter of validation. please attach your response to your complaint just to be sure that I would receive it. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Affirm Holdings, Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX Purchase of shed, was returned and refunded. Purchase was made with AFFIRM, when it arrived, noticed it was too small. RETURN WAS REQUESTED IMMEDIATELY. Item returned. NO refund, AFFIRM keeps billing me. contacted both companies multiple timesXXXX keeps saying check your bank and I keep telling them I purchased with affirm, through their website. AFFIRM says XXXX never sent refund to them. I finally spoke with someone at AFFIRM who confirmed they received refund from XXXX. They never fixed the account or stopped billing me. Never sent back what I already paid. ITS been 6 months now, I am still paying through affirm for something I returned immediately. neither company has a number to call to actually talk to someone who can help. I have to keep inquiring online. 

Getting the run around with affirm. was on the phone with them, they confirmed they could cancel, never received any refund for what I paid so far, they keep charging me the next installment. I keep contacting them and then the next person I get tells me they never got refund from XXXX and I need to keep making payments. There is no good number, no custumer solutions, and I am being charged further installments and interest for an item I returned immediately,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Bridge It, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Applied for loan XX/XX/XXXX with a fee of {$5.00} said to be charged XX/XX/XXXX. Odd because how if loan wasnt approved to me until AFTER XX/XX/XXXX? Paid loan {$65.00} XX/XX/XXXX XXXX auto debit however they didnt take {$5.00} fee. Company does this in order to keep themselves tied to your account. Very hard to find cancellation process on website with the only option to do so is a downgrade to free account which offers no pay cash advances. After googling I found how ti cancel account but must wait for them ti withdraw this {$5.00} which shouldve been done with the {$65.00} paid on XX/XX/XXXX. See attached screenshot of company advising theyre in process of canceling account after next fee charged withdrawal on XX/XX/XXXX! XXXX still getting emails showing how much my checking balance is and no need for advance, my spending etc., these people need to be shut down because A consumer paid loan in full they purposely stay in your account with bogus reason as waiting to charge {$5.00} on XX/XX/XXXX!!!!!!! 

XXXX!!! Today is XX/XX/XXXX!!!!! 

Consumers HAVE NO CONTROL OVER THIS! PRIOR TO FINDING OUT HOW TO CANCEL/CLOSE ACCOUNT THE ONLY OPTION WAS TO DOWNGRADE TO FREE ACCOUNT WHICH KEEPS YOUR CHECKING ACCOUNT LINKED TO THEM HOWEVER YOU HAVE TO UPGRADE TO THE {$5.00} PLAN RIDICULOUS!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Nelson Cruz & Associates LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I apologize as I do not have exact dates. I spoke with Mr. XXXX ( not sure if that is spelled correctly ) from Nelson Cruz & Associates around XX/XX/XXXX. He told me his company had one of my debts for XXXX XXXX for {$560.00} and wanted to arrange payment. I advised him that due to COVID I could not make a payment at the time. He responds with " You don't want a judgement on your record do you ''. I advised him that I am not going to be intimidated by fear tactics and asked how long I had before this alleged " judgement '' were to happen. He said " I do not have time for this '' and hung up the phone. I called him back to ask why he hung up and he said " I was wasting his time ''. After speaking with him further we had come to an agreement of $ XXXX/month until the debt was settled. I advised I wanted the agreement in writing as it was a settlement agreement for less than the original debt. He advised he would send it to me via e mail. When I did not receive the agreement I blocked the payment from going through as I am not going to give access to my bank account to someone without a written agreement to protect myself. Since we spoke right before XXXX I did not have a chance to contact them regarding the agreement before receiving another call from Mr. XXXX. He advised the payment did not process and I told him why. He went into a rant about how I should have called him and how I need to make a payment before he sends me an agreement, which is not what he said originally. He then advised I was wasting his time once again and we ended the conversation. A woman called me from this company about a month later. I advised her what happened with Mr. XXXX and she seemed to be apologetic but then said she was going to put me down as a refusal to pay. I said I wasn't refusing, just asking questions. She said she would reactivate my agreement and would send me the written agreement via e mail and someone would contact me when done so. I have not received a written agreement or anymore phone calls from this company since that interaction.

Company response to consumer: Closed with explanation