BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In XX/XX/2022, I made a purchase using my Fortiva account on XXXX for approximately {$750.00}. At the time of this purchase, my balance was {$640.00}. I returned the merchandise a few months later for a full credit ( which should bring my balance back to {$640.00} ). A year later, my balance is {$960.00}. After I returned the merchandise, they never credited by account and I continued making monthly payments to them, paying interest on {$750.00} I called and asked why and they said it was a known issue that returns were being rejected by Fortiva and XXXX was having to issue refund checks to make clients whole. I received a check for {$590.00}, not what i was expecting to receive because it should have been for {$750.00}. Why was I not refunded in full? I never got refunded for interest charges, late fees, etc regarding the {$750.00}. I want a full investigation launched into why I still owe nearly {$1000.00} after nearly a year. I realize that I received a refund check but it was not for the full amount and I was making $ XXXX payments a month from the time i returned the merchandise until I realized this error. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12
Company: Experian Information Solutions 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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX   XXXX {$1000.00} XXXX XXXX {$550.00}

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 2020-08-12
Company: AMERICAN EXPRESS COMPANY
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Purchased a XXXX XXXX XXXX from XXXX XXXX website - XXXX - for {$10000.00} and never received the vehicle. My sales manager was XXXX XXXX - XXXX|XXXX - I wire transferred the funds from my bank to a Well Fargo Account as per their instructions. When the transport company went to go pick-up the vehicle they advised the XXXX had damaged never advised so they made a decision to refuse the vehicle. I requested a refund and XXXX XXXX declined and advised " ... I agree to take a vehicle that matches my criteria. '' I worked feverishly with XXXX & another salesperson XXXX XXXX and secured a replacement vehicle. It was set for transport and this time XXXX advised XXXX was removed from my account based on agreeing to sell me a XXXX XXXX XXXX for less than the fair market value and requested an additional {$4500.00} for a total of {$14000.00} plus shipping. 
I am requesting a refund of the {$10000.00} I wire transferred as it seems they will continue to request more money on every vehicle I choose. I think this is a scam.

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 2023-09-22
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX - XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$12000.00}.

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 2020-11-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
company is : XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX, fl. XXXX, ..in 2012, I rented a XXXX apartment for {$550.00}. mntly,. within 7 month the apartment developed many serious problems with mold, bathtub sewage, and default electricy with no maintenance accomplish, .. within the 8th month i vacated the premises, and thereafter was reported to the credit bureau with no balance owed.. AFTER 8 YRS FALSE INFORMATION IS STILL ATTACHED TO MY CREDIT REPORT

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 2018-04-19
Company: MidAmerica Mortgage Inc
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I closed on my home in XX/XX/XXXX. I had an FHA loan. The Value of My property as listed in my mortgage company 's system is {$45000.00}. My initial Total Loan was for {$47000.00}. 

I was reported that PMI on my loan would be removed once my principal balance was less than 80 % of my total loan AND once my loan was 5 Years old. 

The 5 Year Mark was XX/XX/XXXX. 
80 % of my total loan is {$38000.00} 78 % of my total loan is {$37000.00} Here is the history for my principal balance : XX/XX/XXXX Principal Remaining {$37000.00} XX/XX/XXXX Principal Remaining - {$37000.00} XX/XX/XXXX Principal Remaining - {$37000.00} XX/XX/XXXX Principal Remaining {$36000.00} I have reached out multiple times included today to my mortgage company without giving a reason to why it hasn't been removed. Today I was told it was be a system error in one of their departments and to submit another email request to see if it gets taking care of. Instead of submitting another email request, I would prefer to try this route now to ensure the right people are looking into the situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I have contacted XXXX, XXXX and Transunion multiple times requesting they remove this information off of my consumer report. They have failed to remove information. Below are documents sent to them to remove and update all information! I would also like opt out of the arbitration clause in their agreement.

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 2023-05-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I checked by personal account and my husbands joint account that I have with him and both accounts are frozen. 
I was unaware that I had a default judgment and they are freezing my accounts saying that they are attempting to collect a debt that I was not aware of that Is over XXXX. My husband is now behind on car note and our house payment plus return fees due to them freezing account while bills were being drafted out of account. My child also gets social security and this is definitely a hardship on my family with them doing me like this and I was unaware of Everything. It states portfolio recovery bought debt from XXXX XXXXXXXX but I have only been with XXXX XXXXXXXX since late XXXX  so I dont know what theyre garnishing/freezing my funds for. 
When I contacted them ( portfolio recovery ) they basically said itll be frozen until my bank sends them the documents requested but how am I supposed to provide for my kids with accounts frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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: 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 XXXX XXXX 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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
We keep receiving in the mail from XXXX XXXX XXXX our credit scores. They are very low. We have paid every bill and have receipts as proof of payment this includes, Housing, Car, and Credit Cards. My wife XXXX received credit scores of XXXX and one of them was from the company where we make car payments XXXX XXXX XXXX. We have made 54/84 car payments and our current on payments. We have made all credit card payments and current on payment. We have mailed the statements from the credit burea with a letter regarding FCRA violations not reporting payments and or inquiries. I think we need the credit bureaus and ourselves to show up in a legal setting so that I can bring all the paid receipts and file a formal complaint. The credit bureaus have also reported we have lived at addresses we never lived at.

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 2023-09-09
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: Was not notified of investigation status or results

Complaint:
I sent letters to the credit bureaus regarding 1 debt collectors ( XXXX XXXX ) who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and cleary they 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hello, I have never been late with this company. I have tried to make payments for the whole month of XXXX and XXXX and received errors when trying to make the payments. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion XXXX : Dear Sir or Madam/To Whom It May Concern, On I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items I am disputing. XXXX is 30 days late. Please remove this asap. Your website and app have prevented me from making a payment in XXXX and XXXX and XXXX. see the attachment I got this same error in XXXX and XXXX and 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 2021-02-16
Company: Herbert P. Sears Co., Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You can't demonstrate any of the data referenced in the past credit report information that I challenged with. The data that you showed in my credit report I previously requested a proof of how you managed 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 explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions 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:
This complaint was my follow up to Experian and XXXX Credit Bureaus. As I am hopefully expecting that the Experian and XXXX XXXX to remove these fraudulent inquiries from my credit reports. And for that I am sending this complaint again to make certain that the you, the credit bureaus will remove these listed fraudulent inquiries : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$4800.00}

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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Inaccurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Overview You have 100 % left to pay on this collection. 
Balance {$10000.00} Highest Balance {$10000.00} Opened Account status Type Responsibility XXXX. XXXX, XXXX ( 1 yr ) Closed Derogatory Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXXXXXX XXXX  Closed No Into

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 2021-11-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am reaching out to file a formal complaint against Experian Credit Reporting Agency. I have been an ongoing battle for two bankruptcies that do not belong to me : XXXX BKPT CT GA XXXXXXXX Bankruptcy chapter XXXX-discharged original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX US BKPT CT GA XXXX Bankruptcy chapter XXXXdismissed original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX. 



I have written several letters and I have spoken to several representatives over the phone asking for verification of these bankruptcies. The very last conversation I had with a representative from Experian was on XX/XX/XXXX ; due to another written dispute transferred to an online dispute, she stated to me that a third-party vendor is reporting the information accurate back to Experian. I then explained to the representative that I have a distant relative that has the same name as I do ; however, I have a middle name and that relative doesn't. My social security number is not associated with any bankruptcies ; due to me never filing bankruptcy. The call was disconnected. I have done my due diligence and contacted all of the Consumer Reporting Agencies such as : XXXX XXXX, and Clarify to dispute all inaccuracies that are being reporting to the major credit bureaus such as Experian. With proper documentation of my social security card, and an identity fraud report ; I was successful with having that information deleted. The other reporting agencies such as XXXX and XXXX have deleted those negative reporting. Experian is the only credit bureau that is not fully complying with Fair Credit Reporting ACT. 



My last written dispute in XXXX, XXXX ; had the attached findings of the bankruptcies deleted from the public record data base. With substantial evidence through documentation and other evidence such as my social security card ; with the reports showing deletions of the bankruptcies from the other reporting bureaus, Experian still uses a recycled third-party data base to re verify information that is not true. I ask that you hold Experian under all findings of violating my rights under the Fair Credit Reporting Act.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: NY
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & 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
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TRANSUNIONit is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXXXXXX XXXX XXXXXXXX acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/Date of First Delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate XXXX has XX/XX/2022, TransUnion has XX/XX/2022, XXXX has XX/XX/2022. All three can't be accurate or correct. FCRA requires you to fix it or delete it. 

ATTACHMENTS

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