BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
Transunion responded to your previous complaint number XXXX stating that they were forwarding the complaint to their consumer relations departments and it will take 60 days to receive an answer. There is no law that grants them 60 days to respond to my concerns. If I attached the discharge documents that they asked for, which I did, then it does not take 60 days to review the documents and admit the errors that they have continuously allowed be reported on my file. I have struggled to get answers with this for nearly 2 years. I am beginning a law suit against another report furnishers for a similar offense and will be including Transunion as well. I have asked for the erroneous accounts on my report to be updated to reflect my bankruptcy for nearly 2 years. I have contacted the data furnishers and they confirmed that my information is reflected as discharged in the bankruptcy. Transunion has failed to update this as well. This failure is causing me severe hardship including not being able to secure housing and employment. This has been an ongoing issue with multiple credit report furnishers. I will be following up with law suit with all parties involved.

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 2023-09-19
Company: EQUIFAX, INC.
State: OK
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 XXXX Account # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Reference # 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 2021-04-20
Company: United Shore Financial Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020 a payment in the amount fo {$890.00} for my mortgage was sent to United Wholesale Mortgage through XXXX XXXX XXXX XXXX but did not reach this company due to being sent to the wrong P.O. Box number. According to the endorsement on the back of the check a company, XXXX XXXX, with XXXX XXXX, cashed/forged the check. I have reached out to XXXX Mortgage Wholesale Mortgage, XXXX XXXXXXXX XXXX and XXXXXXXX XXXX  to resolve this issue. I have been asked by XXXX XXXX to obtain a notarized Affidavit of Forged Endorsement from United Wholesale Mortgage stating that they did not receive the funds. I have been in touch with XXXX numerous times and they repeatedly say they will send it to the research department. But to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: OR
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 Account XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
They took An unauthorized amount from my banking account. I disputed it with my bank and got my money back. I tried speaking with a supervisor about the wrong amount they took and they basically told me I was out of luck. I did not pay the payday loan because of the bad business. They keep harassing me and have threatened to arrest me. Theyre calling family when I have not given them that information nor permission. This is a horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
{$6000.00} is missing from my bank account. I deposited US {$6000.00} from my Bank Of America Account to XXXX 's receiving bank XXXXXXXX XXXX  on XX/XX/2021. The money was deducted from my account but XXXX and XXXX claim to have never received the money. This transfer was made XX/XX/2021 and the issue is still unresolved and the money is still missing. The issue has been bouncing back and forth between all the parties involved - XXXX ( # XXXX ) / XXXX ( trace # XXXX ) / Bank of America XXXX Claim # XXXX ). I have outstanding customer support tickets with each but the issue is still unresolved. The money has been missing for 2.5 months now and the parties involved have been very slow to address and solve the issue.

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 2020-09-03
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I was provided with incorrect information twice. on XX/XX/11 I was told that the account I was complaining about would be reported correctly on XXXX. I called on XXXX and was told I need to call the dispute department so they could add the account ( that did not make sense to me at the time but I did it anyway ). I spoke with the dispute department who told me they coud n't add an account and I can't dispute information that's not there. I asked to speak with a manager every time but was told they would just tell me the same thing the rep was telling me. It was extremely difficult to access a manger they fought me tooth and nail before someone finally transferred me. My problem with them is, I have  an account that is not being reported on Equifax but is reported on XXXX and XXXX. The creditor of 20 years told me multiple times that they are reporting it to Equifax but for some reason, Equifax is not reporting it. Equifax has by far been the worst agency to deal with, and I am a subscriber of their premier credit monitoring plan. I still have not had this issue resolved. Other creditors may pull my Equifax fico score and it would be incorrect because of their non-reporting, this would cause me financial harm in terms of higher rates or declined credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed accounts, Since I believed XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXXXXXX Balance Owed : XXXX ; XXXX  XXXX Balance Owed : XXXX ; XXXX XXXX XXXX Balance Owed : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX  /Account # XXXX ) Has violated my rights 2- ( XXXX XXXX/Account # XXXX ) Has violated my rights 3- ( XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my rights 5- ( XXXX/Account # XXXX ) Has violated my rights 6- ( XXXX XXXX/Account # XXXX ) Has violated my rights 7- ( XXXXAccount # XXXX ) Has violated my rights 8- ( XXXX XXXX/Account # XXXX ) Has violated my rights 9- XXXX XXXX XXXX XXXX/Account # XXXX ) Has violated my 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 2020-11-18
Company: Experian Information Solutions Inc.
State: SC
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:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2023-10-23
Company: Albert Corporation
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Earned wage access
Issue: Unexpected fees

Complaint:
I subscribed to genius plan from Albert on XX/XX/XXXX at a cost of {$14.00}. They make it seems like this is required to use their payroll advance service. After enrolling and providing payment information, they signed me up ( without a separate acknowledgment or approval ) for an auto-saving/investing service, where they periodically withdraw funds from your regular checking account and invest it in funds controlled by Albert. Please see attached screenshot for the dates of deposits. 

I planned to cancel the subscription before it renews, so I went to the cancellation page on XX/XX/XXXX. The portal will not allow any cancellations while Albert holds any of your investments. I requested to withdraw any investments on XX/XX/XXXX, but as of XX/XX/XXXX the funds are not available and I have been charged a {$14.00} fee to renew the subscription for another month. When I attempt to withdraw the funds it shows that no funds are available. I feel this is unfair because the cancellation terms were not disclosed at the time of subscription, and I did not affirmatively invest funds through Albertit debited my checking account automatically.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2021-03-23
Company: Experian Information Solutions Inc.
State: NY
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 purchased a house through XXXX XXXX. Who then sold my mortgage to XXXX. I received my first payment/invoice in XXXX and promptly made a payment XX/XX/2020. I then paid each month before the deadline of the XXXX of each month there after. I'm not sure why but they reported me on my credit report of being late for XXXX, XXXX, XXXX, XXXX and also owing {$280.00} in late fees. I called XXXX and they were to look into it and then they sold the mortgage to XXXX. I then called XXXX and the rep said I was late for XX/XX/XXXX and I explained I didnt even get my invoice until mid XXXX. To date I have not gotten any resolution on the matter. I have proof of payment for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX - which also shows on my account so I am very XXXX This reporting is hurting my credit severely and during this trying Covid time I am 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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$520.00} XXXX  XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance XXXX {$2400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXXBalance : {$520.00} XXXX  XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX  XXXXBalance : {$510.00} XXXX  XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$36000.00} XXXX  XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$2400.00}.

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 non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
So I was trying to buy a house and I realized I had damages on my credit report according 15 USC 1681 law there should not be any damages on my report it is a defamation to my character

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 2023-09-13
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXXXX

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 2023-10-22
Company: EQUIFAX, INC.
State: SC
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:
Hard inquiries that i don't recognize 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 2023-05-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Nelnet, Inc.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Servicer keeps repeatedly calling demanding payment after I have repeatedly informed then they need to provide to me proof of the payments I have made to date and the balance owed upon the loans, if any. Even through I have demanded from them in writing, they repeatedly call demanding payment and never provide the required documents. They call during all times of the day from XXXX cst until XXXX cst. No matter how many times I ask for proof of my loan, they keep repeatedly calling demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: FL
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 XXXX Account # XXXX From XXXXXXXX XXXX XXXX and the Account # XXXX From XXXXXXXX XXXX XXXX XXXX XXXX, have 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 non-monetary relief
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: CA
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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation