BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the credit reporting agencies to notify the errors and inaccurate information that is being reported by XXXX XXXX XXXX. According to the credit reporting agencies they verified the information but I'm in clear possession of evidence that clearly shows this account does not belong to me and is fraudulent and needs to be deleted/removed immediately. 

I do not appreciate being given false and misleading information from an investigation that appears did not take place because if it had then the inaccuracies would have been seen and the account would have been deleted. 

Please view the supporting documents and note the name as it appears does not match my given name. The dollar amount is inconsistent with what is reported on the credit report. It also shows a company name and this may be a company account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We were on springbreak vacation with our kids on XX/XX/XXXX of this year and we were trying to cancel our hotel reservation through XXXX because the hotel that we did our reservation didnt honor the XXXX  price. 

My wife called XXXX 's customer service but got disconnected due to bad reception. A XXXX called and pretended to be " XXXX XXXX '' and told us he will help us with our cancellation. He sounded legit and know a lot like what a XXXX XXXX would do. XXXX said our hotel reservation cant be cancelled but he can upgrade our reservation so we can cancel it and we can get refunded. He told us to Zelle XXXX XXXX ( XXXX ) {$200.00} and he will refund us back. After a while he asked us to send him a screenshot multi media message with the Zelle that it was completed. Then he told us he forgot to tell us to put a reference # on the memo and if we can send him another {$200.00} with a reference # and he will Zelle us {$400.00} as our refund. Then after a while, he told us he miscalculated our refund to {$600.00} and send him another {$200.00} with a different reference # and he'll refund us the money right away. Then he made an excuse that the Zelle theyre sending to my account was not going through. 

That drew my suspicion that we are being scammed. XXXX XXXX told us that his XXXX told him that they have a limit of {$1300.00} before they can send us our refund and he was asking for more money. Thats the time that we stopped. We tried to contact the XXXX number and the scammer really answers as " XXXX XXXX XXXX and kept on telling us to send them more money so they can reimburse us. We tried to call XXXX XXXX and a lady answers and tells us he is unavailable but she eventually blocked us. We tried to message XXXX and request our money back but he declined our Zelle request. 

I contacted my bank ( XXXX XXXX  ) and filed a dispute right away with the Zelle payment that I sent but according to my bank its being investigated until now. I also filed a report with Zelle about the scam on XX/XX/XXXX but I haven't heard anything from them. I feel like as time goes by, we won't be able to get my money back. 

We contacted XXXX about this scammers representing them and they dont have an definite answer to us but I was able to email their corporate to notify them about the scam. I also filed a complained with FTC, Tx Atty General and the FBI cybercriminal dept regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Unverifiable bankruptcy reported by TransUnion.

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 2022-11-29
Company: Lighthouse Finance Solutions LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I trusted a servicing company XXXX XXXX to handle my debts and was over charged and taken advantage of by hundreds of dollars and now I'm been sued by a attny collection company in XXXX XXXX NY for a credit card that was only XXXX limit. My check is being garnished. I Pay lighthouse XXXX a month to fix XXXX and now the refuse to breach contract nor put a XXXX on the line to negotiate pmt. Please help me I'm taking adjust therapy for XXXX also medication for XXXX  there taking my money a d refuse to end contract. Cc are charged off from last year and I was in good standing before lighthouse there number XXXX XXXX XXXX they took XXXX last yr in XXXX and XXXX monthly in add to XXXX. Biwk ly then XXXX biwkly. Attny that garnished my check XXXX XXXX XXXX has proof there was no arrangement set to make pmts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I wanted to consolidate my XXXX loan to a direct loan program, and apply for the XXXX program. My spouse and I both have worked for an employer XXXX XXXX XXXX XXXX XXXX. I have worked for the XXXX for almost 26 years and spouse for over 20 years. I submitted the consolidation application, after being told by Navient and XXXX XXXX that I was eligible. Approximately two weeks after applying I received notification that I was denied. The reason given was I had the wrong loan type. My complaint is that I was coerced into consolidating my loans with my spouses loans into a loan type that could not be reconsolidated. If I had known this I would have never consolidated the loans in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
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: Information belongs to someone else

Complaint:
I have incorrect information on my credit file as a result of identity theft : XXXX HARD INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All XXXX XXXX XXXX   XXXX XXXX XXXX, VA XXXX ( MAI ) L O-NLY - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX, FL XXXX ( MAI ) L O-NLY COLLECTIONS : - XXXX XX/XX/XXXX {$360.00} - None provided - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX HARD INQUIRIES : - XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX PO BOX XXXX XXXX, DE XXXX ( XXXX ) XXXX EXPERIAN - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX - XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 non-monetary relief
Consumer complaint received 2018-12-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent multiple letter to the creditor asking for verification that this debt belongs to me and they never responded.

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 2020-08-04
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened 2 savings accounts with Marcus a Goldman Sachs savings acct. i mailed in a check for a project i did for someone. 20. days later the check was credited to my acct. i tried to transfer some of the funds to my checking acct. they locked my accts. when i called and asked why they requested i send ba k statements from.the extenal checking acct which is XXXX. they would not let me email the info i had to send via mail. So 16 days later i call and they recieved the info. Now they want a bank statement from the person who wrote me the check?? they check cleared and they still will not release my money. i asked they close the accts and mail me the funds and they said no???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I received an email from XXXX XXXX XXXX informing me that due to my account being inactive, the account would be closed on XX/XX/ if a purchase hadn't been made by XX/XX/. A few days later I made a purchase with the card to keep it active, however they closed my card on XX/XX/. I reached out to customer service and inquired why they closed my account over a month earlier than the email stated even though I made a purchase, and they said that they closed it because I had gone so long without a purchase and I could reapply if I wanted to open an account. I then informed them that days after the email was sent, which stated that I had until XX/XX/XXXX to make a purchase, I made a purchase. This issue did not get resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
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: 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

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$27000.00}

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-04-12
Company: Ocwen Financial Corporation
State: DE
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was due for 2 months I paid what was owed.They canceled the payment.I called to see what The problem was, I ask 3 or 4 questions.The person on the phone was Pretending.He couldn't Answer any questions on my account.Also they sent me a break down on my accounts which I made all payments last year.but told me I didn't make certain months last year.which is not True.This company has been doing this years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I am a victim of identity theft I, I recently put in a complaint for this same problem, and Bank of America regulatory complaints, help out with the investigation and said it was resolved and closed. It started claim ending in XXXX was resolved in my favor and funds will added to the account. That was XXXX it is XXXX and I have received no credits to my account. Now I called and they said it was closed but not in my favor so Im confused

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 2022-07-27
Company: Experian Information Solutions Inc.
State: TN
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:
DisputeXX/XX/XXXXAgain I disputed this item XXXX XXXX XX/XX/XXXX said they reinvestigated and everything came back factual I submitted another dispute proving there was an accurate information sent a picture with my address I actually live at and I typed in my exact address XXXX XXXX XXXX then they said they would change it all they did was change one number and the address and it still shows up as XXXX XXXX XXXX XXXX Tennessee and they sent it back so now I'm disputing again which after the last time they've already made a violation against my rights for not doing the reinvestigation they said or they would have caught that my address was wrong then they said they would fix it and then put a different number so now I would like this removed no one has held them accountable for their violations I would also ask for their {$1000.00} fine as this has been holding me back from getting to my business that has been costing my family extra money and after months and months of trying to fix this I really hope someone can get this removed and protected the consumer rights like I was told was such a priority

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 2018-03-13
Company: JPMORGAN CHASE & CO.
State: LA
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:
***Note**** This is my second complaint in this manner and this is completely unacceptable. It too XXXX all of 56 days to determine they can not proceed with this complaint due to a 3rd party unauthorized. I called CFPB first to figure out who is the 3rd party unauthorized and was advised to notify XXXX. 

It turns out that file a CFPB complaint is not accepted in XXXX, as CFPB is an unauthorized complaint. Which I knew was wrong as CFPB regulates XXXX. Then it get better, I'm not allow to submit a dispute over to XXXX  only the creditor can remove the information from the credit file. The letter that I have been forwarding over for over a year is invalid and needs to be sent directly from Chase. According to the FCRA, I can dispute any inaccurate information on my credit file and the credit reporting agency will need 30 days to investigate the dispute. What is happening, the credit reporting agency is not disputing any information. What they are doing is waiting until the last minute either to send a letter stating more information like a drivers license and 2 copies of your billing address or wait until the last day to say the dispute has been verfied. When you put things together to verfiy with the creditor, it turns out the credit reporting agency is not even submitted or investigating the inaccurate information on the credit file. 


I have a credit reporting monitoring service that alerted me that someone attempted to obtain credit in my name. Upon contacting Chase to cancel the card and any charges, they immediately conducting an investigation. On XX/XX/XXXX I received a letter stating that they have sent a letter to XXXX and XXXX to remove the inquiry dated XX/XX/XXXX. As of XX/XX/XXXX the inquiry has still remained on the credit file after sending numerous disputes to XXXX and XXXX with them stating the inquiry will remain on the credit file. It just goes to show they are not reviewing the disputes that you submit, because it is clear as day with a letter from Chase to remove the inquiry from the credit file. I know the same stroy line, you didn't receive the letter or documents, but your quick to mark items as frivoulous to avoid reviewing the dispute accurately. According to the FTC, you have to review all disputes within 30 days upon receipt, your gimmick that is widely used is to submit an updated bill or drivers license in order to review the dispute. It gets old, all 3 companies need a traning in Ethics 101.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: VA
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 submitted a complaint to Experian concerning XXXX XXXX XXXX XXXX   reporting my payments as being late, when I had actually submitted payments in the old amount. At no time was I ever late, since the payments are automatic. I didn't realize I had a problem until it was too late, since I was not opening mail on a regular basis due to COVID concerns. I filed a complaint in early XXXX, and Experian closed it out today ( XXXX XXXX XXXX with my payment history updated from XXXX, nothing else was done. Why even have a complaint system if you do not even address the issue? The outcome would have been the same had I not even submitted the complaint.

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 2020-01-29
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We continue to send documents over to the lender and they keep for some reason not receiving them. I have emailed and now have recently started using their loan solution portal as well but they have yet to receive them. 

How can can you not receive documents when your own portal is being used. 

Even our third party authorization that was sent was someone how lost. We have proof that we sent it to them but they continue to say that they don't have it. 

Please help me save my home!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: MO
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$27000.00}

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