BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: CO
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:
Subject : Dispute of Returned Mail from Collection Agency on Credit Report XX/XX/2023 Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am seeking your assistance and intervention in resolving this matter as it is negatively impacting my creditworthiness. 
I recently reviewed my credit report, obtained from XXXX, Experian XXXX XXXX XXXX, and discovered that a collection account from XXXX XXXX XXXX. The collection account is related to an alleged debt that I have no recollection of owing. I sent certified letters to the abovementioned company collection agency, but my correspondence was returned as undeliverable. 
I would like to highlight that I have always maintained a responsible approach towards my financial obligations, and I am diligent in updating my contact information with any relevant parties. It is perplexing to me that the said collection agency had not sent any correspondence to my address. 
Considering this situation, I kindly request the following actions from the Consumer Financial Protection Bureau : Experian XXXX XXXX XXXX XXXX To remove the erroneous information that they deemed to be legit. 
The credit bureaus did NOT Investigate the validity of the alleged debt claimed by XXXX XXXX XXXX when I sent them a letter to VALIDATE the claim. 
Assist in rectifying the negative impact on my credit report caused by this inaccurate information. 
Ensure that proper verification procedures are followed by the collection agency to validate any debts before reporting them to credit bureaus and for the credit bureaus to verify and validate prior to ruining peoples credit. 
I have attached copies of my credit report, highlighting the specific collection account in question, along with copies of the returned receipts and correspondence relevant to this matter. 
I understand the importance of maintaining accurate credit reporting, and I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to help resolve this issue promptly. I kindly request that you provide me with updates on the progress of this case, including any actions taken or outcomes reached. 
Thank you for your attention to this matter. I appreciate your dedication to consumer protection, and I look forward to a favorable resolution. Please do not hesitate to reach me at XXXX or XXXX if you require any further information. 

Yours sincerely,

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 2018-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
IT HAS COME TO MY ATTENTION THAT TO DISPUTE INQUIRIES ON MY CREDIT FILE I MUST CONTACT THE AGENCY THAT DID THE INQUIRY, REQUEST THEM TO SEND ME A LETTER TO REMOVE IT AND THEN FORWARD THAT LETTER TO YOU ALL AT TRANSUNION WELL I TRIED THAT. AND WELL NO SUSCESS BECAUSE I CAN NOT GET A HUMAN ON THE PHONE FOR THE LIFE OF ME. TRY IT YOURSELF CALL XXXX  AT THE NUMBER PROVIDED ON THE INQUIRY XXXX. YOU MUST HAVE AN ACCOUNT WITH THEM TO TALK TO ANYONE. THEREFOR IT IS IMPOSSIBE TO DO WHAT YOU ARE ASKING ME TO DO TO HAVE THE ACCOUNTS REMOVED. ACCORDING TO FCRA, ACCOUNTS THAT ARE FRAUD AND DEEMED AS FRAUD SHOULD BE REMOVED BECAUSE THEY ARE POSTED ON MY CREDIT FILE INNCORECTLY. AND ANY AND ALL INNACURATE INFORMATION SHOULD BE REMOVED. THEREFOR I AM REQUESTING ONCE AGAIN KINDLY TO HAVE THE ACCOUNT INQUIRIES REMOVED PERSUANT TO THE FCRA. I HAVE SUBMITTED A COMPLAINT, AND ALSO SENT YOU NOTICE OF FILING A LAWSUIT FOR THIS AS NOT ONE CREDIT AGENCY SEEMS TO DO ANYTHING CORRECTLY. NOT ONE. AND HONESTLY I HAVE BEEN GOING THREW THIS FOR YEARS NOW WITH THE XXXX  DATA BREACH, AND I AM DONE BEING PATIENT WAITING 30-45 FOR NO RESULTS. SO THIS IS MY LAST ATTEMPT also incorrect account balances on XXXX card .... it has a XXXX balance and they reporting over {$600.00}

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 explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2021-05-11
Company: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, The refinance was scheduled for XX/XX/XXXX. On that day I found that my is on the tile of the house. 
I called XX/XX/XXXX, XXXX, XXXX, XXXX. I got a call on XX/XX/XXXX that the paperwork would be corrected. 
At this time I was to get back {$1600.00}, my old escrow was at {$2800.00} and I miss one payment. 

On XX/XX/XXXX I got a call that the paperwork would be corrected. 

I then called XX/XX/XXXX, XXXX, XXXX. On XX/XX/XXXX I received and email to reschedule the close. 

It was set for XX/XX/XXXX. 

I get a call an hour before the close that it needs to be rescheduled because I owe money at close. But could not provide any information at that time. 

XX/XX/XXXX I got a call that they would get the paperwork fixed. 
Second call of the day was that I would get back {$1000.00} at close. And miss XXXX payment. No mention of my old escrow. 
Close was set for XX/XX/XXXX. 

XX/XX/XXXX I found out that the taxes were paid from the old escrow. And called to get the taxes stopped from paying under the new escrow. 
I was advised that I get call by XX/XX/XXXX. 

XX/XX/XXXX per the title company the taxes were going to be paid. I called again to get them stopped. I was promised a return call. I AM STILL WAITING. 

Per the title I am to get back {$980.00}. I have yet to receive the money. 

I called on XX/XX/XXXX because the taxes were paid twice. Where is my {$1000.00} from close and where is my {$1000.00} from my old escrow. 

I was advised that the title company is trying to get back my {$1800.00} in taxes. 

Today I found out that they took my escrow and applied to the payoff balance of the old loan. And since it is now short to pay off. They are keeping my {$1000.00} over payment And not refunding the escrow account. This includes that they will not refund the over payment of taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
delete accounts that are not mine police report with accounts listed on EXPERIAN and XXXX has been sent out by mail

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 2018-03-13
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Bought the Car 3 weeks ago without issue and just received a letter that states that they are taking the loan back and it is not approved and I have 30 days to secure financing again after I signed a Contract and it was approved and I was even contacted and told that they were offering a Lower interest rate to me that would lower my payment like XXXX dollars a month or I could get the Gap Coverage and Now this I dont understand how they can do this after I signed a contract and have had the car for 3 weeks and now they just want to renig on the contract like I was never approved ... I find it funny their letter says that I was declined but I was not only approved but once they checked they stated that my credit was better and offered a lower interest rate and lower payment or GAP coverage at no additional charge because of the improved credit and now they don't want to honor the contract they entered into with me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 


Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXBalance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is in regards to a XXXX XXXX store promotion 1 year interest free with a due date by Synchrony Bank. 
The promotions was expired on XXXX of XXXX. Unfortunate in XXXX XXXX we ware hit by hurricane XXXX devastated ou city XXXX XXXX Fl and other city near by. we ware with no power and water for weeks could not work and had damages. i called and asked for a extension on the promotion they agreed and i paid on time as agreed. down bellow you ill see promotion details and payments. 

XXXX {$3400.00} Purchase date XX/XX/XXXX Deferred Interest/No Interest If Paid In Full by XX/XX/XXXX XXXX {$740.00} Purchase date XX/XX/XXXX Deferred Interest/No Interest If Paid In Full by XX/XX/XXXX XXXX {$480.00} XX/XX/XXXX Deferred Interest/No Interest If Paid In Full By XX/XX/XXXX XXXX Full Payment of ( {$4400.00} ) The Total for all 3 Promotions was made on XX/XX/XXXX. 

a third promotion : Promotional Expiration XX/XX/XXXX Promotional Balance {$720.00} Deferred Interest Charge {$470.00} ( if not paid in full by XX/XX/XXXX Tran Date Description Initial Purchase Amount XXXX XX/XX/XXXX {$720.00} {$470.00} XX/XX/XXXX Deferred Interest/No Interest If Paid by XX/XX/XXXX according to all statement as far as i'm concern i complied to my commitments and my balance on this account should {$0.00} Every month since then i have being getting text messages emails and mailing trying to collect the interest. and every month i call and after 40 to 50 minutes of evaluation they come with the conclusion that my balance should be {$0.00} and will show on the next month statement. that never happened until today. Im hoping your org can help me as i fell i cant do anything else by my self. I have a very good credit score and its not fair if this affect my scores. I feel stressed and harassed every for 8 months.

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 monetary relief
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX sends wrong report to credit reporting Bureaus. 
I first noticed it early XXXX due to a XXXX point drop in my credit score. I noticed that because my main credit card ( XXXX  double cash back ) stoped working and when I called them they said my credit limit has been cut in half due to my most recent credit report. 
That was when I noticed XXXX on my credit report and the first time I tried to check on it. they couldnt find anything based on my information. 
I submitted a dispute through XXXX and they took some time but they removed the account from my credit report. 
The second time I tried contacting the credit union was when my XXXX dispute was rejected, and transUnion dispute was rejected shortly after that ( or thats when I noticed ). I was on hold with XXXX XXXX XXXX for another XXXX minutes after already waiting for XXXX XXXX m to speak to the customer representative. Finally he said I appear as a secondary on an account and the account is over the limit. When I told them that is not my account and my information has been miss-used he said to dispute through credit report and hung up. 
I had already submitted several disputes about that account and they ( XXXX and TransUnion ) refused to take it down due to confirmed accurate reported from XXXX XXXX XXXX. 
I would appreciate it if you could please help me in this matter.

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 2018-03-13
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Dear CFPB, My complaint is one I'd imagine many American citizens living overseas have. All of the online forms for annual credit reporting require you submit your US address, and if you've lived abroad, you often can not verify the address on their online forms in order to obtain your credit report.

To Experian, as they are the credit agency a student-loan-refinance company used to obtain my credit, I did a request a complaint via mail but received no response and I did not seem able to contact them. There was no response via mail I submitted several months ago ( I believe in XX/XX/2017 ).

I have found it impossible to obtain my credit report because of address verification. So many online systems ( including the IRS ) fail verification on online forms for people living overseas.

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 2023-03-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian has denied my dispute for the following company XXXX XXXX XXXX XXXX XXXX XXXX ). This company has an open lawsuit in the state of NY for this reason. Experian is ignoring all the facts put forward by me 1. This account was settled and paid in full and i even have proof of all payments uploaded here. The company XXXX XXXX XXXX which XXXX is representing failed to answer all my phones or reply to my text messages. I have uploaded here proof of the messages. I also uploaded all payments made to them during my lease. They also didn't refund my deposit!! Please see attached text message proof. Hence this account is fraud because my account was closed in full. 

2. The account opened is for an office suite which is under my company XXXX XXXX XXXX XXXX XXXX is office spaces which was renting an office to my company. They collected my personal and business information. This report should be on my business XXXX XXXX and not personal as these are office suites not rental for living. And application was done with my company. 

3. XXXX XXXX XXXX was never authorized to sell my personal information to any creditor only my company information. This is fraudulent that they used my personal information. 

I request that Experian remove this entry by 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 2017-07-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed  XXXX   XXXX  with the balance of  XXXX  several times thisd is not my account I was not in lease I was an occupant only it needs to 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 2022-01-07
Company: TransferWise Ltd
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Facts : On XXXX XX/XX/XXXX I have opened a personal account in Transferwise On XXXX XX/XX/XXXX I have opened a business account in Transferwise On XXXX XX/XX/XXXX both accounts were deactivated. It was impossible to obtain any explanation from Transferwise On XXXX XX/XX/XXXX I completed an online appeal form and sent an email to XXXX My personal account login ID is XXXX and it has a balance of USD XXXX at least. My business account login ID is XXXX and It has a balance of EUR XXXX  at least. In both cases I had to estimate the amount of the balance because I can not access to any statement. 

Problem : I am still waiting for any explanation about what happened, waiting for the refund of my balance, waiting for any documentation/information request but there is no feedback at all. 

Transferwise provides an appeal process but it is not possible to present a reasonable appeal to a decision without knowing why it was taken and without having access to the account information. 

The service was good so far and I do not like to complain but a month has passed. I do not even understand why my account was closed in the first place. I was hopping that to be some kind of error in an automatic process but nobody is providing me with any feedback and my funds seem to have disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For the past couple of years, I have been trying to get the credit bureaus to correct specific information on several accounts for years. The bureaus refuse to investigate and/or correct and/or remove any information regarding these accounts. The accounts are reporting incorrect amounts, dates, payment statuses and much more. Also, it's an obnoxious amount of inquiries, when I haven't obtained credit in a year due the reporting inconsistencies, but they won't remove them just tell me to ask the creditors, but I can't get past verification to even ask them to remove them because they are from ID theft

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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

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