BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: TX
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:
Received hard inquries for something that was not even supposed to be a credit pull due to me not authorizing these : 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 2023-02-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Received hard inquries for something that was not even supposed to be a credit pull due to me not authorizing these : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, AND 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 2020-08-01
Company: AMERICAN EXPRESS COMPANY
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:
I have a loan with XXXX XXXX, XXXX, and AMEX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all XXXX bureaus and XXXX XXXX, XXXX, and AMEX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX and XXXX of XXXX, Alabama XXXX. For four weeks have been avoiding discussing a lien which was placed by American Express. They have since blocked our emails and will not return phone calls. We have reported their behavior to the Georgia Department of Consumer Affairs who'd requested via email that XXXX XXXX from XXXX and XXXX speak with us. We've reported their behavior to the Alabama State Bar. XXXX XXXX failed to follow through on communication after sending our paralegal on a wild goose chase. She has since blocked all communication. In the interim, the buyers are living in my home and I am going into XXXX on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Respected Sir/Madam, I am currently having mortgage Loan a/c XXXX with PennyMac XXXX. For above said mortgage account I have escrow account set up to make payment towards my Property tax and Insurance. From said escrow account, payment towards Property Tax needs to be made on semiannual basis. For current year 2020, PennyMac did one of those payments after due date and second payment has not been done till date. For the past few months I am following up with PennyMac to make second payment due for this year 2020 to XXXX County IL. In all follow ups I had with the Call Center team, it was acknowledge that tax payment for second half of the year was missed and that it would be processed immediately. I had asked team to provide written acknowledgement stating that I had formally lodged complaint and that it would be followed up. Neither did I receive written acknowledgement of the issue nor the team acted upon on the request to make tax payment to XXXX County IL till date. As a result of delay in payment I am being charged interest of {$92.00}. I request that PennyMac be held responsible to make this additional payment as it has occurred due to lapse on its part. I would request CFPB to intervene and resolve the complaint at the earliest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01
Company: PLS GROUP, INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
XX/XX/XXXX  at approximately XXXX XXXX  I went to PLS check in cashing to cash my {$5200.00} backpay check and the supervisor held my check for over an hour asking me why did the government give me this check for XXXX after I cash the check with them for XXXX and I let him know that this is my backpay From my XXXX which Ive been diagnosed with XXXX  so he told me to show him proof of the government sending this check to me which was kind of odd because he didnt ask me this when I cashed the {$600.00} check a week before so I asked him why do I have to show proof And he said why would they send you a check for XXXX a week ago and now theyre sending you a check for over XXXX I felt that to be odd too because that is my personal business so he told me that the only way that they would cash the check is if I can show proof that the government sent me the check or show paperwork of my dependents on why Im getting this check so I pulled up my Social Security account and showed him that Social Security sent me this check for the amount thats on the check he looked at it made a phone call took my check to the back and came back and said that his bank is denying me from cashing the check which was crazy because its a government check. This is what PLS do they cash government checks so at this time Im feeling that hes discriminating me and thinking that the check is fraud so I asked them to give me the corporate number so I can complain about the situation which I did and I told corporate that I was going to try another PLS and round the way so I went to a different PLS to cash the check The PLS clerk at this location was finna cash the check until the supervisor came behind her and took the check and said hold on And took my check to the back again and said that they were calling the bank but she didnt. She called her district manager so the district manager gets on the phone with me and asked me, why are they giving me a check for XXXX once again I let her know that this is a check from backpay from Social Security. She said OK the lady walked to the back they come back up to me and told me that the bank would not cash my check and Im trying to find out why other than that Im taking this as XXXX profiling by banking or discrimination, so can you guys please help me out with the situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: MN
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/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 31 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have been going back in forth with XXXX XXXX for almost XXXX years trying to make payments. Unfortunately I have had no success. XX/XX/XXXX I disputed my account because they were continually charging the account even though they stated they could not discuss the account XX/XX/XXXX I spoke with XXXX a rep with XXXX XXXX and was told that my account was sold and I had to wait to be contacted. XX/XX/XXXX I was reported for additional late fees XX/XX/XXXX money was drafted from my bank account regarding this matter from XXXX XXXX XXXX XXXX XXXX in which I got that process stopped making a payment for {$500.00} at that time even though I made the payment XXXX reported another {$42.00} late payment in which I was disputed and it was removed. XXXX & XXXX told me that they did not contact me because XXXX attached an order for me to not be contacted. Even though I have been calling and sending certified letters to the creditors. Since I paid my account in full in XXXX XXXX did not update my balance which XXXX disputed in XX/XX/XXXX. Even though I have a letter stating that I have paid everything in full XXXX is still telling me I owe {$220.00} in which no one can explain why I still owe money with a paid in full letter. I writing this letter to get this account deleted off my profile. This was originally charged off XX/XX/XXXX and they have now changed the date to XX/XX/XXXX charge off.

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 2021-10-22
Company: EQUIFAX, INC.
State: NJ
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 faxed over an investigation request in regards to the XXXX Car account # XXXX ( see confirmation attached ) via CFPB fax number I got no response from Transunion or from anyone for that matter. I once again on XXXX XXXX faxed over via the CFPB fax number a second request to investigate ( see attached confirmation ) I got no response again from anyone. Failure to investigate this matter should result in removal of said 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 2021-03-26
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:
filled police report and ftc report please help fix these issues im having please remove and block the acounts of issue please remove under FCRA ACT 605 B

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 2023-12-07
Company: Upgrade, Inc.
State: OH
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 an official notice from XXXX XXXX regarding a lawsuit filed in XXXX County Court against XXXX, XXXX, and XXXX. All creditors have been informed about fraudulent transactions on XXXX XXXXXXXX XXXX credit profile. Any creditors who continue to report these fraudulent accounts may be included in the lawsuit. It is advised to remove all credit reporting in accordance with the Fair Debt Practice Act and the provided evidence of identity theft through an affidavit. Those aiding in fraudulent credit reporting may face charges in the lawsuit, and if judgment is granted, creditors may be subjected to collection efforts and potential commercial liens. cease all credit reporting immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX 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 am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
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 can not get ahold of my loan servicer. I have tried a half dozen times. Either the phone line is disconnected, the chat service doesn't work, or the wait is XXXX minutes. I can not adjust my payments or do anything unless they talk with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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:
Please help me understand why the bureaus are still reporting accounts that are inaccurate, unproven, unverified, and definitely NON-COMPLIANT with the FCRA/FDCPA laws. It is very frustrating that this has been going on for several months and they have not given me any or enough evidence to prove that these accounts they keep posting in my report are verified and true. I have been continuously denied getting loans because of this. This should have been resolved months ago but they don't seem to care at all.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 did not initiate these inquiries, and I believe they 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 2021-08-26
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX. 

I have been trying endlessly to log in to equifax to obtain a credit freeze. The website states I have an existing account, in which I do, but have forgotten my password. 
So it then tells me to click need help signing in if you forgot your password. 
I do this and it asks me for my information over and over again, and keeps telling me to contact them, So I do this, via the automated system. This system also wont allow me to gain access, even though Ive answered many security questions. 
Then, after many attempts, I get a live person on the phone, sounds like hes in XXXX. Hes asking for my social security # and other identifying means, in which I reluctantly give him. 
He then asks me to upload my drivers license and a selfie to him in order to verify my identity. No way do I feel comfortable with that. I cant believe a credit bureau is asking me to send all this to a man over the phone in a foreign country!! 
There is a flaw in their website that does not allow you to reset a password or identify yourself via online. 
The other two credit bureaus took me two minutes to freeze my credit. Why is it that I have to mail or send personal information that could be stolen or accessed by people I do not know to this credit bureau? 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion clearly have no respect for the laws. Per my previous dispute XXXX claims the account for XXXX XXXX XXXX came back verified. How can this account be accurate if the balance is still incorrect. I demand that XXXX and Transunion update the correct balance for this account or remove the account from my consumer report due to the account balance being incorrect. I have attached a copy of both of my credit reports which proves a reinvestigation was not done.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. Please remove this inaccurate late payment from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: SYNCHRONY FINANCIAL
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:
I am filing this complaint to SYNCB/XXXX  for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

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 2021-08-26
Company: EQUIFAX, INC.
State: NJ
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 been a victim of identity theft and fraud! I have contacted equifax 4 different times. 

By law these inquires should be removed immediately. I have never applied for any accounts from these companies listed below. I have contacted all parties including my local police department, the companies stated below, filed a Identity theft report, copy of license is included and a copy of my social security card is here. 

This has been a inconvenience for me and I expect to have this process expedited immediately and these fraudulent and inaccurate accounts blocked and deleted immediately. 

Fraudulent inquires dates include : XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation