BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 2023-01-19
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-03-28
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: Was not notified of investigation status or results

Complaint:
I have previously contacted XXXX about an item on my credit report that had stemmed from identity theft. I have not been notified about any results and the item remains on my credit report. According to 15 U.S. Code 1681c-2 ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please refer to the attached documents.

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 2020-03-23
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:
Transunion didn't remove inaccurate accounts caused by identity theft even though I provided them with FTC ID theft report and all sufficient documentation, in particular : - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-03-23
Company: Guild Mortgage Company LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am attempting to work with my mortgage company, Guild Mortgage, to defer my home loan for a few months while COVID affects our entire country. The options given to me by Guild Mortgage were to special forbear my loan, which would cause all the amounts forbeared to be due at the end of the special forbearance. I'm unsure how this is even a option, as if I can not pay my monthly mortgage at the beginning of the month then how am I supposed to come up with a sum total of those amounts at the end of forbearance period? Especially considering the vast impact of COVID, Guild should absolutely be working more with their customers to work through this situtation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
This company has scammed me for insufficient funds 3 times this year. The first time I spoke to 4-5 different people to get it refunded and they sent me back the XXXX. It happened again, but I didnt wan na go through the hassle of dealing with them again so I let it go, this was in XXXX. This time they are telling me, a XXXX  was sent on Monday ( XX/XX/XXXX ) which there is no record of on my end in the bank of america app for XXXX that was declined. I have over draft protection so I switched the card on my XXXX  on Saturday ( XX/XX/XXXX ) and put the transaction through on another account. Today which is Tuesday ( XX/XX/XXXX ), I get an email from Bank Of America that says, you may have insufficient fundsI was shocked to look at my account and they charged me XXXX for something that declined. I called spoke w/ a rep who couldnt help me, who told me she saw a XXXX XXXX transaction, got to a supervisor whos name was XXXX he told me he didnt see a XXXX XXXX transaction and placed me on hold to look into the matterhe hung up the phone. Called back waited on the phone for over an hour, spoke with another supervisor ( XXXX ) who told me that overdraft protection would stop this from happening, I told her that I had over draft protectionshe became quiet and said well the charge cant be reversedstill no resolutionshe transferred me to XXXX who talked over me the entire time and now is adding rules to what the prior rep statedshe told me that in order for overdraft protection to work on this type of account is if I have a savings account to Again, how is anyone supposed to know about this or their insufficient funds fee when you think you have overdraft protectionTHEY DECLINED THE TRANSACTION AND EVERYTHING SO THIS IS ONLY TO BENEFIT THEIR COMPANY BECAUSE Im being penalized for money that I never evn spent. This company is terrible. Ill make sure that no one banks with them EVER.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00}

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 2023-09-02
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a late fee on my credit report that should be removed.

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 2023-01-05
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
PayPal XXXX by XXXX XXXX  XX/XX/22 {$700.00} I reported it to the fraud department

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 2022-12-16
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Placed for collectionsXXXX Date updated : XX/XX/2020 Amt : {$870.00} Disputed : XX/XX/2020 XXXX : File # XXXX, dated XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Placed for collections : XX/XX/2020 Date updated : XX/XX/2020 XXXX Amt : {$870.00} XXXX Credit Reporting Agency : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct Name : XXXX XXXX XXXX # XXXX XXXX : {$870.00} Disputed on XX/XX/202XXXX XXXX # XXXX On XX/XX/2020XXXX XXXX XXXX  XXXX, sent a letter of collections on the same XXXX account of {$870.00} offering to settle for XXXX XXXX of the outstanding balance or {$690.00}. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXXXXXX Mail to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX After disputing a collections account to both, XXXX and XXXX Credit Reporting Agencies, I received a response from XXXX XXXX XXXX XXXX, stating : " This debt is valid, attached is verification of the debt. 

Note : A partial bill encloses with the above response incorrectly states that the date of billing is XX/XX/XXXX- XX/XX/2020. As provided above, this debt collection goes beyond the XX/XX/2020 date as this debt collection had been in dispute before that above mentioned date. So the dates provided in XXXX XXXX is in error and should be removed on that standing alone. 

The amounts provided by XXXX are also in error, stating an amount of {$870.00} and not the original amount as provided in all of the above documented items. 

i am compelled to believe that XXXX XXXX is generating documents that have been fabricated and are falsified. 

I am a XXXX year old man with a XXXX XXXX, XXXX and XXXX XXXX XXXX on continued medication. I do not need to be focusing on continued deceptive debt collection practices. 

The response received from the debt collector appears to be fabricated, Dates are incorrect. No signature of contract. 

Please see if you can help me out on this matter. I am available at the below indicated cell phone number or at ( XXXX ) XXXX. My email is : 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 2021-07-25
Company: SYNCHRONY FINANCIAL
State: NJ
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:
Wrote letter for VALIDATION not VERIFICATION no response more than 30 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 2021-02-08
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
My dispute is mostly with XXXX and XXXX but it was purchased with my Amex card and they are handling the dispute but in a very slow manner. 

In XXXX a XXXX handbag was purchased for {$3900.00} or so. Express/Next Day shipping was purchased and it should have been received on that Friday XX/XX/XXXX. As the day went on into late afternoon Friday, I called XXXX and they insisted that the package was in XXXX ( my destination ) and that it would still be there by XXXX at latest because oh holiday hours. I just had to be there to sign in. 
The package did not come. 

I called XXXX and XXXX on the following two days because each day it was said that the package was being delivered on the weekend and they still did not come. XXXX did give me {$21.00} back for shipping. 

On Monday XX/XX/14 I was on the phone with XXXX and XXXX around the XXXX XXXX time with more excuses and promises of delivery on this day. Because of how my schedule has be effected throughout the past three days I really didnt want to be consumed by this all again. Both parties made clear that if I didnt sign it on this 4th day of waiting, the package would be sent back to warehouse until the following day. 

At around XXXX I get an email notification saying that the package could not be delivered. I called in and service rep was saying that it was delivered which was false as I was home and its also confusing considering the email received. 

XXXX says that XXXX delivered my package and that it was signed which is impossible. I believe that XXXX employee either didnt deliver my package or signed it and left it somewhere else. This has been something that I have since researched and seen has been happening with some delivery companies. A police report was also submitted. 

When I originally fought this with Amex for fraud or stolen purchase, they said that they would jump right on it and it falls under Amex protection either way. After an initial review, my account was credited and then reversed with the resolution date constantly changing. 

This has been frustrating through a number of ways and has put me in a deeper financial burden without anything to show for it or reasonable way to account moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Many of the addresses and accounts link to them have no association with me or my name my name and addresses are wrong state, wrong city, wrong zip code, and many addresses I have never lived at or reported to on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-10-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXX Balance : {$10.00} ; XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-02-18
Company: EQUIFAX, 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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
That on XX/XX/XXXX  I a written notice to XXXX XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXX XXXX has yet to respond to my demand

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 2023-09-05
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation