BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: Experian Information Solutions 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:
This complaint is filed against the 3 credit reporting agencies of XXXX, Experian, and XXXX for improperly reporting incorrect information and/or reporting unverified information from a account known as XXXX  under account number XXXX improper reporting incorrect or invalid information violates the FCRA and due process XXXX federal law. A dispute was filed with all 3 bureaus and verified as correct. No other disputes are pending either. Said errors and discrepancies are as follows : 1. Both XXXX and Experian are reporting the high balance on this account as XXXX. Contrary, XXXX is reporting the high balance of XXXX. Both amounts can't be correct and verified as correct. 2. Both XXXX and Experian are reporting date of last activity as XXXX. Contrary XXXX is reporting the D.O.L.A. as XXXX. Both dates can't be correct and verified as accurate sine they differ. 3. Furthermore, both Experian and XXXX reports are void or missing Date opened. 4. Also, both XXXX and Experian are reporting date of last payment as XXXX. Contrary, XXXX is reporting Date of last payment as XXXX. Both dates can't be correct. 5. Also, both Experian and XXXX are reporting completely different payment history as to days late on two year payment history calendar. Experian reports 30 days late in XXXX of XXXX  and XXXX reports 60 days late in XXXX of XXXX. Experian again reports 60 day late in XXXX of XXXX  and XXXX reports 90 days late in XXXX of XXXX. Then Experian reports 90 days late in XXXX of XXXX  and XXXX reports 120 days late in XXXX of XXXX. None match and can't be correct. 6. Then XXXX report says date of last payment was made in XXXX. Contrary on same report on two year payment history calendar, it shows in XXXX that the consumer was 60 days late. Both can't be correct. The report contradicts it self. 7. Finally on 7 ear scale of late payments Experian says the consumer has XXXX 90 days late compared to XXXX reporting the consumer had XXXX 90 days late. Both differ and both can't be correct. A copy of the consumers smart credit 3 bureau report is included in this complaint for review so all errors can be seen.

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX XXXX XXXX XXXX All companies which I have accounts in my name that were all due to fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX Nordstrom credit card company reported me 30 days later for the month of XXXX. I believe I made my XXXX payment on that day as well. My dispute with them is 30 days havent gone by before you reported me being 30 days late for the month of XXXX. I called and a representative from their company agreed I was told to dispute with my credit bureau. Ive done this twice and they didnt agree and havent removed the 30 day late payment. I need this removed immediately XXXX because it isnt true and XXXX because it dropped my score XXXX points. I hope you can help me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I am showing a collection from XXXX XXXX  on my credit reports. It is for XXXX XXXX Apartments. I lived in the apartments in XXXX and did complete the terms of my lease. For some reason they decided to try to evict me in XXXX after I had already moved out years earlier. They tried to take me to court and it was dismissed because they did not show up. Noone has been able to show me any lease or anything that I signed past my initial lease in XXXX. I keep reporting it to the credit bureaus and nothing gets done with them either. I have sent the paperwork to all involved parties. They just now put it on my credit in XXXX like it is a new debt. I am being denied credit to move into a new apartment now because of this. My information has been involved in the data breach from the credit bureaus as well. Noone will do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
MY IDENTITY WAS USED TO OPEN ACCOUNTS THAT I NEVER SIGN FOR

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Blackhawk Network Holdings Inc.
State: WA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
In XXXX I received a prepaid card that was managed by myprepaidcenter.com and has an expiration date of XX/XX/XXXX. I registered the card and gave it a pin number in order to make purchases but the card was declined whenever I tried to use it. I kept the card in my wallet but forgot about it until about a year later. I was getting close to the expiration date so I reset my pin number again and this time it started working. I made a few purchases with it but I had not used all the funds on the card by the expiration date. I believed that the funds would still be available and I would be able to request a new card to continue using the balance since the words " FUNDS DO NOT EXPIRE '' is written on the front of the card. When I called the company to ask for a new card I was told via pre-recorded message that the card is beyond the expiration date, the funds are no longer available, and the card can not be replaced. I no longer have access to the cardholder agreement as I can not log into the account with an expired card. I believe the practice is extremely misleading as the company 's policy directly conflicts with what is physically printed on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
OCWEN is our mortgage loan servicer, but has refused to provide the opportunity for our mortgage loan to be reviewed for retention options. Instead, they have been pushing for a foreclosure sale that is schedule for XX/XX/2018. We reached out to OCWEN six month ago when we were only three months behind on our payments, but their representatives and process is not providing us the assistance that we should have received. They claim that they can not change the terms of the loan to make it affordable, but we are making plenty of money and can afford our mortgage payment. We do not feel that we have a real single point of since it is impossible to get a hold of her. We can not understand their representatives when we call in, are tired of fighting them and would rather work with them, but this has proven to be impossible. We have been given the runaround for six months as they have consistently denied us access to mortgage assistance options. Never have the offered us a foreberance, payment plan or a modification over the last six months. They only say for us to pay the entire past due amount, plus attorney fees, or get out of our home. From the start, this was a bad mortgage as we were put into an interest only loan when we purchase our home. Then, when we refinanced, our situation only got worse, as the refinanced loan put us on the cusp of affordability. When we had a detrimental financial event, we fell behind on our mortgage. Our hardship began last year when my wife and I both lost our jobs and then we had family members who fell ill. We quickly got back on our feet and tried to work with OCWEN , but they have denied us twice and never sent us denial letters. We had to find out over the phone and feel they are being deceptive. Their lack of cooperation is at the very least unethical, but maybe illegal, as they should be willing to help homeowners. I see that they fined over {$2.00} billion by our government, but we question if that made a dent in their behavior, as they seem uninterested in helping us. We have been treated unfairly by OCWEN and need help dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agencies Transunion, XXXX, and XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2023-10-31
Company: REGIONS FINANCIAL CORPORATION
State: MS
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, these purported creditors have violated my right. Under 15 USC 1681, section 602 my right to privacy is insured.

Also under 15 USC 1681, section 604 A, subsection 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

I demand all unauthorized recordings on my credit record to be removed immediately. I did not give written consent or instructions to do include these recordings.

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 2022-09-16
Company: EQUIFAX, INC.
State: NC
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:
So I talked to several reps at XXXX, XXXX, Equifax Sent multiple letters off on ( XX/XX/XXXX XXXX, XX/XX/XXXX ). Here is my USPS tracking numbers ( XXXX ) for all letters. To remove personal information that I dont want on my credit report because it is inaccurate and not mine. I believe that they have mixed or merged my information with someone else. This is very worrisome for me, because identity theft is a very big concern in today 's times, and I do not want to fall victim to it. The Rep informed me to contact my creditors and to submit a letter to them with my correct information. I contacted my creditors and they all have my updated personal info. After submitting my letter via Certified Mail, they still refuse to remove some of the information that is not accurate or mine. The letters were received by their company. I would really appreciate it if my information could be updated to the only name and address that I currently have. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
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:
I reviewed my credit report and found a XXXX account on there in which I disputed with the bureau 's and XXXX due to me NEVER having or authorizing a XXXX account in my name..I am only XXXX years old just turned XXXX in XXXX, Never lived on my own, never had any bills in my name. 

I cant quite understand how the Credit Bureaus are stating they verified this information as accurate, and when I asked them for their method of verification, they never responded with such only another response letter saying that the account was verified. 

I contacted XXXX as well and requested account validation, and asked for an investigation into this account, and again I received no response which is why I am submitting this complaint at this time.

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 2023-03-17
Company: EQUIFAX, 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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 2023-04-19
Company: ProCollect, 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: Public record information inaccurate

Complaint:
I am showing a collection from Pro Collect on my credit reports. It is for XXXX XXXX XXXX. I lived in the apartments in XXXX and did complete the terms of my lease. For some reason they decided to try to evict me in XXXX after I had already moved out years earlier. They tried to take me to court and it was dismissed because they did not show up. Noone has been able to show me any lease or anything that I signed past my initial lease in XXXX. I keep reporting it to the credit bureaus and nothing gets done with them either. I have sent the paperwork to all involved parties. They just now put it on my credit in XXXX like it is a new debt. I am being denied credit to move into a new apartment now because of this. My information has been involved in the data breach from the credit bureaus as well. Noone will do anything.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: DE
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'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 XXXXXXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
So I talked to several reps at XXXX, Transunion, XXXX Sent multiple letters off on ( XX/XX/XXXX XXXX, XX/XX/XXXX ). Here is my USPS tracking numbers ( XXXX ) for all letters. To remove personal information that I dont want on my credit report because it is inaccurate and not mine. I believe that they have mixed or merged my information with someone else. This is very worrisome for me, because identity theft is a very big concern in today 's times, and I do not want to fall victim to it. The Rep informed me to contact my creditors and to submit a letter to them with my correct information. I contacted my creditors and they all have my updated personal info. After submitting my letter via Certified Mail, they still refuse to remove some of the information that is not accurate or mine. The letters were received by their company. I would really appreciate it if my information could be updated to the only name and address that I currently have. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2021-05-03
Company: Gotham Collection Services Corp.
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: Account status incorrect

Complaint:
I've been dealing with this issue going on 3 months now. And have not gotten a solution. I'm in the process of purchasing a home and this is hindering me. 
There's an ( Charged off ) account on my credit report from XXXX. XXXX sold this account to Gotham Collections. I have paid and satisfied the account with Gotham. Gotham wrote me a letter stating that the account is satisfied and requesting it be removed from my report. Gotham also stats that they can't report themselves because XXXX is the original creditor and they are the company reporting to the bureaus. However, XXXX stats that they can't report because they sold the account. Both companies are saying they can't report. How can the issue be resolved. I've disputed this account multiple times. Each time it's come back as transferred by XXXX. The credit bureaus are stating that they can't do anything about it because the only company who can report is XXXX because that's who's on my report. I really need a solution asap. Im in the process of purchasing a home and this is the only issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The diversified collection account was removed from my XXXX report and added back with not notice. It has not been removed and is still listed on my XXXX report. This reporting is not accurate and needs to be removed from my XXXX and XXXX reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: U.S. BANCORP
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dates : XX/XX/2023 Amounts : {$1000.00} My friend and I booked XXXX rooms at the XXXX XXXX XXXX from XX/XX/XXXX to XXXX, 2023 ( XXXX  nights in total for XXXX  people ). It was only after checking in at the hotel that I realized I hadn't applied the offer ( 30 % off for XXXX+ nights ) to my hotel stay expenses. I called on XX/XX/2023, to inquire whether I could still apply the offer, but the hotel staff refused. This offer is available on the hotel 's official website and is applicable at any time of the year. I have attached it for reference. The discounted amount should be $ XXXX % = {$660.00} ( 70 % is because the coupon is 30 % off for XXXX nights stay ). 

In addition to not allowing us to apply the offer, the hotel also charged us extra for breakfasts. When we booked the hotel, we reserved rooms that included breakfast. When we checked out, the breakfast server also mentioned that there would be no additional charge if our room included breakfast. I have attached a screenshot of the booking confirmation that shows breakfast was included when we made the reservation ( They charged me extra $ XXXX {$84.00} ). 

To sum up, they should have charged me XXXX XXXX+TAX instead of {$1000.00}. I want my refund. 

I disputed this charge with US Bank. US Bank only hastily contacted XXXX XXXX XXXX and informed me that the offer couldn't be used after the purchase ( while it says the offer is available all year around on the hotel official website ), without providing an explanation for the breakfast charge. Therefore, I am here to complain about this.

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