BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
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: 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 last attempt 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 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 non-monetary relief
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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 have already filed a formal complaint with the Consumer Financial Protection Bureau on XX/XX/XXXXXXXX  case # XXXX. The CFPB reached out to XXXX, and XXXX responded with a scripted response and did not make the corrections to my report. I have now hired an attorney who is filing a class action law suit against XXXX as I am currently being denied credit due to this incorrect information. 

My initial complaint for your review : On XX/XX/XXXXXXXX   I submitted a complaint to the CFPB to investigate XXXX for incorrect reporting. The CFPB closed the case after XXXX responded without making the necessary updates. XXXX simply sent a standard computer generated response saying I would be notified by mail. As I mentioned in my XX/XX/XXXXXXXX  complaint. XXXX has been and continues to report a XXXX chapter XXXX bankruptcy that is not mine. I have told them on multiple occasions, this was a chapter XXXX filed by my ex wife. I submitted letters from the Superior Court of California Bankruptcy division, signed by Judge XXXX that clearly stated this is not accurate, and that I did not file for XXXX XXXXXXXX has made the fatal mistake of ignoring that judges order. I then contacted the agency they use to verify there information, which is XXXX and they agreed that they were also reporting in error. They provided me with a letter stating the information was incorrect and they had removed it from my credit file. XXXX unfortunately has continued to ignore all of the evidence I have provided. They continue to disregard the laws that were put into place to protect consumers from predators like themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, 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:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : CXX/XX/XXXX XXXX -- -> : {$320.00} XX/XX/XXXXV : XXXX -- -> : {$330.00XX/XX/XXXXXXXX : XXXX -- XXXX : {$3700.00} IXX/XX/XXXXR : XXXX -- > {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, 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 have sent XXXX separate rounds of letters asking the bureau to verify my complaints and verify and show proof of my signature of the credit card and they have yet to provide me with any proof making these unverified accounts that are hurting my credit score to buy a home for my self and my child as a XXXX father this negative reporting is holding our house hold back. Please see attached document with certified mail receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: RIA FINANCIAL
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Did a money transfer for cash pickup through XXXX, and went to a Ria money transfer location to pick it up on XX/XX/2020. The amount of the transfer was {$500.00} USD and after checking the money when I got home, I noticed a fake {$100.00} bill. I called Ria and they denied giving me a fake {$100.00} even though it was in the stack of money when receive and I have not touched it till I got home to count it. I knew they may have intentionally done this because they were rude with me the first few times when I tried to use their service. The location of this Ria is, XXXX XXXX XXXX, XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX renewed a joint loan with me and my husband, upon approval we were told we had to consolidate a debt I had at the time with XXXX and they issued funds to us minus the amount I owed XXXX  They said they would be printing an issuing a check to XXXX  billing directly and that we didnt have to deal with anything else. The loan with XXXX was opened XX/XX/XXXX in the loan documents it shows amount paid directly to us and amount paid to fingerhut. I have submitted disputes for XXXX which hve been returned as denied. XXXX finance has misreported the balance due to the credit bureaus and has still been reporting negatively even after we agreed to payments with a debt collector. The debt is now almost paid off totally but XXXX misreported the balance XX/XX/XXXX and reported as charged off showing as charged off even when payment agreements were made and started in XX/XX/XXXX. There was a lapse in employment but payments have been resumed and debt is almost fully paid off showing current balance of {$300.00} with the court docket. But my credit reports span from $ a little over {$900.00} and {$1500.00} and XXXX and experian will not accept new disputes with document proof since I disputed the debts previously. 

XXXX never received the check thats disclosed on loan documents and it has also negatively affected my credit reports.

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 2020-09-16
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: Their investigation did not fix an error on your report

Complaint:
I have sent XXXX separate rounds of letters asking the bureau to verify my complaints and verify and show proof of my signature of the credit card and they have yet to provide me with any proof making these unverified accounts that are hurting my credit score to buy a home for my self and my child as a XXXX  father this negative reporting is holding our house hold back. Please see attached document with certified mail receipt

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 2023-03-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I opened a Sams Club credit card through Sychrony Bank and had never used it. It had a {$2500.00} credit limit. I did not notice that I had a payment due of {$31.00}. I assumed this might be for a yearly fee. So, I got online and made the payment. Only to realize after the payment, it said I still owed over {$100.00} still. I called the credit card company and was informed that the charge was for a yearly membership to Sams Club, and was sent to XXXX Indiana, Sams Club. I told them my account was not due at that time and I have been living in Florida for the past few years and my Sams Club was located in XXXX XXXX now. I told them I had paid my yearly membership in store and on my debit card. I was told to send a fax to them to prove this and this would be handled. I did do this, but with no resolution. They said they never received it, I told them I had called the XXXX location and there was never any money sent to them in my behalf. I told them to call the store and work it out. This was and has never been done by Sychrony Bank. I resent the fax a second time to them and still nothing. I have talked to managers and they say they will look into it, but never do. I still get text, emails and phone calls constantly. So here I am filing this complaint with you. I would have paid, if I had used the card and actually charged something, but it is the principle that I stand by. I refuse to be bullied by a large company for something I never charged. They have caused harm to my credit rating. Need some assistance. Thank you.

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 2020-03-24
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I'm writing this letter in regards to issues that I have been having with American Express and my Platinum Card for the past few months. I have been a long-standing customer with American Express since XXXX and have made over 19 on-time payments with this company. It wasnt until I was involved in a serious car accident with a reckless driver who did not have car insurance or a driver 's license. My car was left on the brink of being totaled and was out of service for over one month. I was left unable to work and pay my bills. 

I had called American Express multiple times to try and explain my situation. They had told me that I was not eligible for the hardship programs for months as my account went into default. Throughout this time I had stated how I am willing to work directly with them, but that I needed smaller payments. They called me every day sometimes even up to 4 times a day harassing me demanding the full balance be paid in full when I explained I could only make smaller payments. On XX/XX/XXXX I had submitted a {$100.00} payment to show that I am serious about keeping my account open with American Express and that I am willing to coordinate a payment plan with their Hardship program. 

On XX/XX/XXXX, I spoke with the Hardship Program directly and explained my situation. They stated we could set up a plan of around {$230.00} for the first payment, and subsequently make {$100.00} payments over a 36-month term. I explained that I would most likely be able to pay the balance in full sooner than the 36month term if I was put on this plan, and that I was willing to participate and that I agreed to this plan, but that I needed some time to think it over. The representative told me that I would be eligible anytime to sign up for the Hardship Program. I tried to call them back but their department was closed. 

On XX/XX/XXXX I received a call from American Express stating that I was now no longer eligible for the Hardship Program further reiterating that they have been unwilling to work with me even when I have done my best to make payments and when I have cooperated. Even with my city being in quartile for COVID-19 they were unable to work with me. They instead sent my debt to XXXX  XXXX  XXXX which called me today on XX/XX/XXXX. Now I am being harassed by a debt collection agency when I have tried my best to work with American Express directly. Today I have submitted a {$110.00} via online to American Express.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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 status incorrect

Complaint:
A hard inquiry was done to my credit report from XXXX XXXX, and I have not applied for any XXXX XXXX I already have two that are active

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 2018-08-28
Company: Amsher Collection Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 I spoke with XXXX from AmSher who said she was collecting a debt owed by me from XXXX XXXX in the amount of {$89.00} for reasons unknown by myself, the debt collection company nor XXXX XXXX. XXXX XXXX can only tell me that it was an account in my name and was closed over 12 months so they have no information. I would have no reason to open a separate account in my name alone at the same address that I share with my husband. We had an account in both our names. There was no separate account in my name only and so a fraudulent act has been committed and AmSher is trying to get money from me that is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: OH
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 am a natural person, I am a living human being that have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be removed because ( Original Creditor : Progressive ) Account # XXXX In Accordance to 15 USC 1681 section 602 A : I Have the right to privacy and I did not give Equifax written permission to furnish the listed account 15 USC 1681c . ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Theses inaccurate items falsely being reported to my credit report is ruining my life and hurting my chances of getting a new home and extension of credit please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/ 2022 I received XXXX therapy at a XXXX XXXX XXXX XXXX office to treat an injury. XXXX billing department improperly coded the bill resulting in my health insurance denying the claims. After bringing attention to this issue, my health insurance resolved the billing code and I waited for an accurate bill to arrive. I had not yet received the bill from XXXX XXXX XXXX instead I received debt collection in the mail from TRANSWORLD SYSTEMS INC XXXX I called and explained the situation in Fall 2022 and said I would not pay the debtor, I would pay XXXX XXXX directly using my health insurance savings account. I received the XXXX XXXX bill in XXXX 2022 and I promptly paid the {$270.00} bill with the payment confirmation number written on the top right corner in the attached bill ; # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of XXXX XXXX I attempted to pay my mortgage online with PennyMac ( PM ) Mortgage. I discovered PennyMac 's website did not recognize my username and password. I attempted to recover my username and learned the PennyMac system had 3 different usernames for me. 

I contacted PM customer service ( CS ), they explained I had several active mortgages in their system. Note : I only have one currently active loan with PM. I have had loans with PM is the past but had paid those loans off, sale of my home or refi that was paid off. 

CS had me attempt to use each of the 3 usernames, all 3 showed account inactive on PM website. CS escalated my issue to the next level of CS, the higher level CS agent attempted to solve my username issue but was unsuccessful. He stated he would contact me on Friday, XXXX XXXX, XXXX to assist me with a solution to recover my username. Unfortunately, I missed his call and he left a VM. 

On XXXX XXXX, XXXX, I called the CS # left by the higher level CS agent. I had to re-explain my situation all over again. The CS agent could not recover my username, state they would escalate and never transferred me to a higher level CS agent. I had to take their survey at the end of the call to escalate to the higher level CS agent, XXXX. 

XXXX had me create another username, so now I had 4 usernames. The new username did not work. XXXX claimed the PM website was defaulting to an old email address and work phone number even thought when I asked for a lost username recovery I received a PM recover process and code from current email which I've had for 15 years. 

XXXX told me she would have to file a ticket with PM 's Web Team to re-set or provide a new username for me. XXXX stated she would call me back in 48-72 hours. 

XXXX did not call me or follow up with an email. 

On XXXX XXXX, XXXX I contacted PM CS for a third time, XXXX CS agent, told me he could see the notes from XXXX reporting the issue to the PM Web Team but could not see any other activity related to solving my username recovery. 

I told XXXX I would be reporting PM 's failure to recover or provide me the opportunity to reset my username so I can pay my mortgage online and or retrieve my tax information for XXXX tax purposes. 

Thank you for reviewing my case,. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I have a Auto loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
XXXX XXXX ( XXXX ) has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. XXXX XXXX ( XXXX ) is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( 2021 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted.

Who Must File File Form 1099-C if you are any of the following. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). A credit union. Any of the following, its successor, or subunit of one of the following. Federal Deposit Insurance Corporation. National Credit Union Administration. Any other federal executive agency, including government corporations. Any military department. U.S. Postal Service. Postal Rate Commission. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three safe harbors under which reporting may not be required for the current year. See Safe harbor rules next.

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