BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle a fraudulent, incorrect, and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM 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 XXXXXXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE XXXX HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX This Information is Incorrect, remove. 

XXXX XXXX This Information is Incorrect, remove XXXX XXXX XXXX XXXX This Information is Incorrect, remove XXXX XXXX XXXX XXXX This Information is Incorrect, remove The following personal information is incorrect. 

XXXX XXXX, XXXX. XXXX, NY. 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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my TransUnion report due to inconsistent and inaccurate reporting.

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 2023-10-05
Company: EdFinancial Services
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been trying to get in contact about lowering or temp suspending my payments. My payments are currently {$520.00} and I only make {$1800.00} a month.. my check basically covers my rent and the student loan for my son and I can barely make it to survive and in the process of being evicted. I have sent in my paystubs multiple times and have not heard a word. I was forced to take out another loan so I can just make the monthly payment and not fall behind. It has been months with no contact and now just seems as if I am getting ignored.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: MO
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:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I will opt out of XXXX XXXX XXXX  disclosing my nonpublic personal information to nonaffiliated third-party unless I agreed in writing to the disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2020-02-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an American Express Prime Business Card Ref : XXXX and was denied because " American Express cancelled my previous account ( s ), '' This is not true and should be reflected in the record and my card should be approved. I was an authorized user on an American Express account and the primary holder began having financial problems and so I cancelled my card even though I am not responsible for the charges as an authorized user. I believe American Express National Bank have violated their card agreement by saying I'm responsible for a debt that I am not legally responsible for. I should be judged on my own qualifications and American Express is denying a card for my business based on a primary card holder 's payment history. I'm shocked that Amex has done this and believe firmly that this must be remedied. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: M1 Holdings Inc.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a brokerage account with M1 Finance and closed it. On their platform it showed my account as closed. I was sent an email on XX/XX/23 about this account that I had closed and it now shows a balance and is reopened. M1 Finance claims that while they " closed '' it on their end, it did not close on their dependencies so they reopened it and request that I connect A NEW bank account to move the money out and contact them again to close it. If I do not take action by XX/XX/23 they will liquidate my account and charge me {$50.00}. 

This is such a short time frame to take action and requires the person affects to realize and act quickly since closing an account requires on M1 's customer support to do so. They could easily stall and wait until it's automatically liquidated. I also have checking accounts with M1 and it's not an option to liquidate my funds for some reason. This is an extremely frustrating customer experience and very, very deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Kikoff Inc.
State: MD
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 look at my credit report and say that it had reported my payments as late, i never opened the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2021, I incurred a vet expense and applied for this credit card with Synchrony Care Credit. However, what I was not aware of was that they had applied a security card charge billing me monthly. Recently, I discovered that they had billed me for a total amount of {$1000.00} in security charge fees. I filed a complaint to them and they refunded me for {$810.00}. I requested for the remaining refund for the difference of {$240.00}. However, each time I spoke to an agent, they deferred me to a supervisor who would get back to me the next business day. I've contacted them for 4 times now and no one has reached out to me. Each time I call, there is no way I can get this resolved. 

I was told I was unable to retrieve the two billing statements reflective of the combined amount of {$240.00} since that has been more than a year. The amounts provided are based on what the representative informed me over the phone. 

case # /call ID # lookup 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 2023-12-05
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:
Dear TransUnion I noticed that you verified the account below : XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Past due needs to be updated, repaired or fixed. Because I dont know a lot abou
t credit repair, I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify.

He also stated that once I receive this information, he would like to review it. Please send ASAP. 

Thanks. 

CC : FTC, XXXX, CFPB

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 2023-12-05
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:
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 2023-06-16
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage due XX/XX/XXXX our bank withdrew and posted on XXXX. Making XXXX payments in XXXX month. I unaware, until we received foreclosure notice XXXX stating we were delinquent. Freedom Mortgage did escrow analysis- I did not know that meant late payment. Our payments went up and I was not paying correct amount unknowinly our payments were going into suspended state. 

Once I became aware of this, I was able to come up to correct amount. The process of notification and reporting to credit report is my complaint. I spoke to agent she explained they called me and notified me via email. I did not received any voice mails stating XXXX was unable to contact me. I did received change in status which again, I did not know that meant late payment. 

They automatically notified credit report and reported XXXX days late on mortgage. Other creditors automatically lowered available credit. We have no emergency funds and can not apply for new credit now due to this. 

Thank you for your assistance 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 2023-10-03
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been unable to access my account online. XXXX XXXX " upgraded '' their website, so I have been unable to make payments during this time. Every time I log into my account, I get the message that there is no loan associated with my log in information. I try to chat, but it is a computer that tells me to log into my account or to call. When I call, the recording tells me that the wait time in anywhere from 400 - 800 minutes. If you choose the option to have someone call you back, they never do. I can't mail in a payment since all the account information is online and that can't be accessed. Now I am certain that they will charge late fees and penalties for non-payment, but something needs to be done about their poor customer service or lack of it. What can be done to help us? If you read reviews about them, there are many others who have the same problem that I have.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-27
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: Information belongs to someone else

Complaint:
I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 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 2023-09-18
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This in follow up to complaint XXXX. ( I don't see an option for supplementing existing complaints so I have created this new complaint. ) I requested information from AidVantage on my XXXX XXXX XXXX XXXX AidVantage has, to date, refused to comply. I then filed a complaint with you. AidVantage has now locked me out of my online account ( apparently in retaliation for filing a complaint ), so I have no access to any information on my loans. I have no way to manage and pay my loans. I have called AidVantage numerous times to unlock my account, but simply get put on a repeating message loop telling mer to log into my account. 

I am now in the position of going money to lender that refuses to provide me basic information about my loans and refuses to give me access to my loans. 

I am concerned about the negative effects of being unable to access/manage/pay my accounts ( in addition to the widespread reports of loan servicing errors ). 

Please help me with these predatory and lending actions.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-04
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/2020, and XX/XX/2020, and XX/XX/2020 letters were sent USPS and via Fax No. XXXX and calls and messages were left at XXXX. 
No one has responded in writing as requested or returned my telephone calls. The letters addressed a compromise in the services offered to me by Chase and a statement regarding my ability to pay that requires a written response for legal purposes. There has been no form of response to these specific letters -- XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. I have been mislead to believe that someone was going to contact me shortly. However, no response in writing or any other form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In 2018, my XXXX  XXXX XXXX cashed 3 checks forging my signature with the total amount of {$2400.00}. Bank of America informed me that for me to get my money back I needed to make a police report since the person that stole the money was related to me. I made the police report and submitted the police report to Bank of America. Bank of America sent me a letter denying to reimburse the money stating that it was my responsibility to have my check book secured but the letter stated that I could appeal it. I did appealed but the answered was the same. The bank denied reimbursing the money once again. 

As a result of this incident, I opened a new account with Bank of America which is my current account : XXXX. The prior account number were the money was taken was : 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 2023-10-05
Company: EdFinancial Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My XXXX XXXX discharge was processed on XX/XX/2023. I was informed by the Department of Education that the refund is pending processing by my servicer, EdFinancial. In my account portal, I can see the discharge and refund dated on XX/XX/2023. EdFinancial advised to wait 60 days to receive my refund of payments. 

The refund of payments has stayed at a negative balance, and no one at EdFinancial can update me. I wait on hold for hours each day. Once I finally receive a callback, the EdFinancial representative pretends to not hear me on the other line. This has happened repeatedly each week during the callback. However, I have no issues with any other caller. 

I have attached the statement, showing the negative balance on my account.

Company response to consumer: Untimely response