BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
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: Their investigation did not fix an error on your report

Complaint:
In the course of my XXXX loan many companies have been involved, I believe that one of them hav not reported my account properly. And showed that I have been late in the past. Have never be late since my payments were made by my former employer.

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 2022-05-06
Company: Experian Information Solutions 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:
N accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitted letters to XXXX, XXXX, and TransUnion on XX/XX/2023, XX/XX/2023, and XX/XX/2023, requesting an investigation into the negative items on my credit report. To date, they have not provided any evidence to support these negative items, nor have they removed the items. 

Per the FCRA, the negative items on my credit report must be validated by original signed documents or removed if these accounts can not be validated ( by providing documentation ) within 30 days. In the past, the CFPB have closed this request because you said it has been answered in the past. I disagree with that reasoning and it is my right to request a re-investigation. 

I am requesting one final time, these accounts be deleted or I will have to see legal action due to violation of the FCRA. The accounts are included in the attached letters that were sent on 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 non-monetary relief
Consumer complaint received 2022-11-03
Company: EQUIFAX, 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:
I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and Equifax are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax is reporting Collections appearing in Public Records from XXXX XXXX for {$110.00} on my personal credit report that is inaccurate, false, and incorrect. XXXX XXXX is reporting a Collections account on my personal credit report for XXXX XXXX  as my original creditor, this account is inaccurate, incorrect, and false. There is no contractual agreement between myself and XXXX XXXX currently existing to support any past due amount owed. I have no default to XXXX XXXX  and did not agree to renew or extend any contract with XXXX XXXX. Additionally, XXXX XXXX does not appear anywhere on my credit report as a creditor, original creditor, default, charge-off, or past due. XXXX XXXX  failed to contact me to notify me that XXXX XXXX  turned over an account to collections before reporting this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
ive just received my credit report and notcied unauthorized items that shouldnt be reporting to my credit profile. And in accordance to the FAIR CREDIT REPORTING ACT, XXXX account XXXX XXXX XXXX XXXX, and a Fraudulent address XXXX XXXX XXXX XXXX, TX XXXX has violated my rights 15 USC 1681 602 A stsates I have the right to privacy 15 USC 1681 604 A section @ states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns i can be reached at 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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX XXXX XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX XXXX XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 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. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items 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 2018-03-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I referred a friend to American Express. The terms and conditions clearly stated that once the referred person applies and gets approved, American Express will post the bonus points to my account within 8-12 weeks. In the past, American Express posted the bonus points immediately after the referred person gets approved. I didn't see any notifications from American Express after the person I referred got approved for 2 cards. They are as follow : XXXX points for American Express Hilton Aspire at XXXX XXXX XXXX XXXX XXXX points for American Express Blue Business Plus at XXXX XXXX XXXX XXXX XXXX The last name of the person I referred was XXXX. 

When I called to inquire about why the notifications weren't sent, the rep claimed that she already sees the email sent by American Express to my friend. This was not correct information as my friend received the link directly from. So, I asked to be transferred to a supervisor. This was on XX/XX/. The supervisor I spoke to was XXXX XXXX from Agent ID XXXX in XXXX XXXX. He claimed that in order for me to get the bonus points my friend needed to do the spending requirement, which was not mentioned in the offer 's terms and conditions. I read the T & C of the offer to XXXX, but he still claimed that my friend needed the do the spending requirement. I asked XXXX if he could read the T & C to me, but he kept dodging around claiming that Every referral offer has a different T & C!!! When I asked him to escalate, he refused. I demand a full investigation of this incident as American Express CS reps are clearly deceiving customers by purposely giving the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items. Please do so, to comply with FCRA section 611 which requires all reporting to be XXXX XXXX accurate. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX 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

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 2020-04-09
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX my account with Bluebird by American Express was closed due to me allowing my girlfriend to try and deposit her tax refund. This is where all my checks for my job are deposited into. The email i received stated i needed to write a letter to explain the situation and to be able to have the funds released. I wrote a letter the same day and sent it over night to the address i was given. About a week later I received a check for {$140.00}. This amount was my " Available Balance ''. I also had a savings account that was called the " Set Aside '' account. There was a balance of {$4900.00} in the account. I was using this " Set Aside '' account as a savings account. I have not been refunded this money XXXX of yet and have written another letter to Bluebird. The letter was sent on XX/XX/2020. The company has been no hep. the contact number i was given is useless. the reps all tell me the same thing, to write a letter. I am in dire need of this money due to the current crisis. Please help resolve this issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29
Company: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my XXXX loan to be able to have a XXXX loan and apply for loan forgiveness. The original loan was never removed and now they are saying I have two loans and there are two loans on my credit report. I only have one. I have explained to all parties involved that I should only have the one loan but someone has made an error and it is showing I have two and they are believing their computer screens instead of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: CAINE & WEINER COMPANY, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # # # # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions CAINE & WEINER COMPANY INC at XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX CA XXXXhas been reporting a collection account to my credit. I do not know this company. I have sent letters of validation to this company numerous of times the only information I have received is a bill that I have no knowledge of. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These are not my accounts, and I also didn't authorize these credit inquiries. My name is also incorrect and is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, XXXX XXXX XXXX XXXX Mo ) XXXX XXXX XXXX, XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

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 2020-04-10
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: Information belongs to someone else

Complaint:
These are not my accounts, and I also didn't authorize these credit inquiries. My name is also incorrect and is not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: The J. G. Wentworth Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
J G Wentworth missed my closing date by 5 days. I was finally informed that Wentworth did not service land lease properties, even though they knew from the beginning as stated on the purchase agreement, that the condo was on corporate leased land. That was the ONLY reason they gave. Escrow by this time was in it's fourth week, fees paid, deposits, inspectors, title and realtors, spending unbelievable amounts of time on the process. Leased land properties are very common in southern California and Wentworth cost everyone concerned thousands of dollars in time and money. This was through XXXX XXXX, executive membership program. Incidentally, recommended by Wentworth broker.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-29
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter from convergent outsourcing Inc. from XXXX Washington stating that I have been placed with their office for collection in attempt to collect a debt to XXXX. Which I do not have any debt owed to XXXX. I know that for a fact. And can prove it.

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 2019-01-29
Company: EQUIFAX, INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In the summer of XX/XX/2018 I was moved to the state of Nevada by Hurricane Maria for a  job offer. Proceedings were made with the XXXX XXXX XXXX XXXX XXXX to verify how the car that the bank could finance me move to there. The XXXX XXXX did not have branches in that state did not allow the vehicle to be moved at less than It will not be paid in full. As this payment was not possible, we were forced to voluntarily give it up. In these circumstances, it seems to us that the consumer should not be harmed with a negative credit report when banks do not have alternatives for this type of transaction in interstate commerce.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX I noticed a sharp decrease in my Credit Journey Score ( powered by Experian ). I spoke to Experian and they informed me that XXXX had provided them information that XXXX accounts were now in default/closed - basically classified in a way that negatively impacts a credit score in a severe way.

I did enter into a payment program with XXXX for these accounts on/around XX/XX/XXXX and have been in good standing with repayment for over 2+ years. Payments have been on time and in full each month. 

After speaking with both XXXX/Experian I disputed the credit events with Experian ( Report # XXXX ) and they upheld the decision to drop my score in XX/XX/XXXX based on information provided by XXXX. 

I filed a complaint with CFPB ( XXXX ) against XXXX for providing reporting agencies incorrect information which they dispute and now point the finger at Experian. 

Neither XXXX or Experian has adequately explained the following : 1 ) how my accounts can be listed as in default when I am in current repayment? 
2 ) how is this coming up now after 2+ years into a consolidation program? 
3 ) why is this negatively impacting my score when I am in good standing with my lender? 

I suspect this has impacted XXXX of people like me and would now like the CFPB to investigate this matter with 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 2022-10-21
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX, 2022, I called my student loan servicer, Higher Education Loan Authority of the State of Missouri ( MOHELA ), to request a refund for voluntary payments I made during the pandemic. During my first call, at XXXX XXXX, the automated customer service robot said it was " having trouble understanding me '' every time I indicated I wanted information about student loan forgiveness, despite entering my choice using my phone 's number pad. After three attempts, the company said it couldn't find my loan information and hung up on me. This call lasted 8 minutes, five of which was unskippable information that prevented me from accessing customer service help. 

I called back immediately, at XXXX XXXX, and this time I was able to get through that menu and was put on hold. I was informed my wait time would be 115 minutes, or 1 hour and 55 minutes. I waited about another hour, putting my on-hold time at a total of 3 hours. Nothing in that time indicated my place in line or if I'd even be able to speak to someone. At the 3-hour mark, I hung up because I needed to go to sleep.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I See that within my name its says the following in which is false reporting an inaccurate ALSO KNOWN AS XXXX XXXX XXXX XXXX Also my address across the three bureaus aren't alining my correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Incorrect addresses reporting on my credit is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
You have to fix this account, verify and delete it, its always paid on time XXXX XXXX XXXX, the account was not transferred.. You have to fix this account, verify and delete it, its always paid on time..I sent numerous letters to credit bureaus but they did not fix it..CFPB step up and fix the 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 explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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