BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NJ
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2022-11-04
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I called American Express to cancel a flight I had booked through their travel website. The flight cost {$7300.00} for XXXX travelers. This flight was cancelled because both of the passengers contracted XXXX and got positive tests the day before the flight ( the XXXX of XXXX ). I purchased the " Gold travel protector '' through Amex that was XXXX to protect this flight in the event that this would happen. This protection would cover me in any circumstance, especially with a XXXX XXXXXXXX test. On XX/XX/XXXX Amex customer service on the phone let me know that the flight was successfully cancelled and that I would be refunded to my original payment method. However, I received an email right after this phone call that said " Your flight is cancelled and you will receive flight credit ''. This is NOT what I wanted and not what we agreed to on the phone. I called back crying hysterically and talked to another customer service agent that told me " this is how it processes, we have to refund to credit with the airline first then the airline will refund to Amex and then we will refund you '' ... something along these lines. I know 100 % certainty that these calls were recorded and you will hear the agents saying both of these things to me. They said it might take up to 30 days to post. So I decided to wait and see what would happen. XXXX months later, I still hadnt received any refund from this. So, I called the fraud department to have them inquire and reverse the charge manually. Everything was fine until just last week I received a statement from Amex saying I owed them for the flights. And now I somehow owe them the money I WAS SUPPOSED TO BE REFUNDED! 

On the attached statements you will see in XXXX that I purchased the tickets on XX/XX/XXXX. You will see that I purchased the Amex XXXX travel on XX/XX/XXXX for {$420.00}. This was to protect the flight in the event that anything would happen. I have the platinum american express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter dated XX/XX/2022 with accompanying documents to all three credit bureaus via Certified Mail asking to change my name and XXXX XXXX ( where applicable ) in all of their systems. I specifically requested that my name be reflected in my credit information, including my online accounts as neither credit bureau lets you update it yourself or online. I spoke with each credit bureau separately to get the current instructions to update my name and XXXX XXXX in their system and included every piece of information they asked for in this letter and I made the same specific requests I listed above in my letter. I also included copies of my court order approving my nameXXXX XXXX, my driver license, a pay stub, and a bank statement. None of the bureaus let you go through the dispute process to do this. About a month or two later ( unfortunately, I don't remember the exact date. ) I got a random credit report in the mail with zero explanation of my dispute. I saw that my legal name was listed in my report and that was it. To date, I have not received a single piece of information about my dispute, what was done about it, conclusion of it, etc. I have no idea what is going on with my information. When I log into my online accounts, it still has my dead name on my accounts and it is very frustrating and distressing to see it when it should an easy fix. Throughout this process, I have received random emails about a " dispute resolution '' from XXXX with a reference code to log in and access the information. Every single time I try to read this alleged " resolution '' it always says that it can not provide with the information. It is absurd. The credit bureaus have integrated all other changes to my contact information from my banks, yet refuse to update my name when I updated it with my banks. I feel discriminated against as a XXXX person that my information is being treated differently than other consumers. I am baffled and incensed that XXXX major credit bureaus can not manage to provide direct, decipherable information when they require extremely sensitive and private information from consumers. For example, I have been trying to submit an online dispute on XXXXXXXX XXXX website for the past week and a half and the webpage doesn't work, so the only option is to call them, which is impossible and useless. Consumers have the right to submit disputes, especially in ways that are accessible to all consumers.

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 2023-03-24
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
A bank draft payable to me was deposited into a Citibank account fraudulently. It was likely stolen from my mail. The bank draft was addressed and payable to me to reimburse me for vacation expenses by my friend a XXXX customer in XXXX. 

The account the draft was deposited in Citibank is not mine and not associated with me in anyway. Citibank did not verify the draft payee and allowed the payment to be drafted from the XXXX account. 

Citibank is liable for accepting this draft that had been altered and improperly endorsed by someone that is not me. I visited a Citibank branch in XXXX today XXXX and a Manager told me that it is not their responsibility which can not be 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 2022-05-06
Company: EQUIFAX, INC.
State: LA
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:
After reviewing my credit report, I am not happy to see the below items that are still showing in there. I am a victim of Identity theft. I've attached a copy of my ID, an identity theft report from Federal Trade Commission. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I attempted to send money to a friend on XX/XX/XXXX ( transaction # XXXX ). On XX/XX/XXXX, I cancelled this transaction understanding I would not get my {$3.00} fee refunded. I sent MoneyGram a question about the timing of the refund via their " Contact Us '' form on XX/XX/XXXX or XX/XX/XXXX. When I did not get a response, I called MoneyGram on XX/XX/XXXX to follow up on my refund. I was advised I would receive my refund in 3 to  10 business days, and I was advised 10 business days would by XX/XX/XXXX. 

At this time, I also inquired about the question I had sent by way of the " Contact Us '' form. MoneyGram representative advised those communications do not get a response. Why would they have a form to send questions, general inquiries and complaints if they are not going to respond to them? 

Today XX/XX/XXXX, I called MoneyGram because it was the 10 business day and had not yet received my refund. I was told the refund was declined by my financial institution, but they could not give me a reason. According to the representative, the refund was attempted the same day I cancelled the transaction XX/XX/XXXX. I was not notified by MoneyGram that there was an issue with the refund, nor was I told on XX/XX/XXXX when I originally followed up on the transaction. Only because I called, they are sending the issue to the Resolutions Team and it will take another 3 business days to get a response. After 3 business days, I am to call MoneyGram again to follow up with the findings of the Resolutions Team. 

I have already been waiting for my refund for two weeks. Had I not called them, I may have never received my refund. And, the representative made a point of repeating that MoneyGram does not contact the customer about issues on transactions. I believe this is extremely poor customer service and questionable business practice related to consumer financial transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts DO NOT belong to me.I was a victim of identity theft! I have contacted both credit reporting agencies and the creditors for a resolution. Through phone, mail, and online. As well as filed a police report. In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also 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 non-monetary relief
Consumer complaint received 2023-03-08
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: Account information incorrect

Complaint:
I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The account status, date opened, high credit, credit limit, last reported, date last active and date of last payment are NOT 100 % accurate. 

See pages 22, 23, 26, 27 of the attached credit report as evidence. 

XXXX Account Number : XXXX XXXX  Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.

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 2021-02-19
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
Hello I hope you are having a excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information reported on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me but alas they have not reached back out to me. I also filed a 30 day demand letter in order for them to update me on the investigation but also I have not heard from them. This is very important for me because as stated earlier I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a letter dated XX/XX/2022 with accompanying documents to all three credit bureaus via Certified Mail asking to change my name and gender marker ( where applicable ) in all of their systems. I specifically requested that my name be reflected in my credit information, including my online accounts as neither credit bureau lets you update it yourself or online. I spoke with each credit bureau separately to get the current instructions to update my name and gender marker in their system and included every piece of information they asked for in this letter and I made the same specific requests I listed above in my letter. I also included copies of my court order approving my name/gender marker, my driver license, a pay stub, and a bank statement. None of the bureaus let you go through the dispute process to do this. About a month or two later ( unfortunately, I don't remember the exact date. ) I got a random credit report in the mail with zero explanation of my dispute. I saw that my legal name was listed in my report and that was it. To date, I have not received a single piece of information about my dispute, what was done about it, conclusion of it, etc. I have no idea what is going on with my information. When I log into my online accounts, it still has my dead name on my accounts and it is very frustrating and distressing to see it when it should an easy fix. Throughout this process, I have received random emails about a " dispute resolution '' from Experian with a reference code to log in and access the information. Every single time I try to read this alleged " resolution '' it always says that it can not provide with the information. It is absurd. The credit bureaus have integrated all other changes to my contact information from my banks, yet refuse to update my name when I updated it with my banks. I feel discriminated against as a transgender person that my information is being treated differently than other consumers. I am baffled and incensed that three major credit bureaus can not manage to provide direct, decipherable information when they require extremely sensitive and private information from consumers. For example, I have been trying to submit an online dispute on Experian 's website for the past week and a half and the webpage doesn't work, so the only option is to call them, which is impossible and useless. Consumers have the right to submit disputes, especially in ways that are accessible to all consumers.

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 2022-11-04
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:
I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items 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. 
Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXXXXXX 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 2021-03-04
Company: McCarthy, Burgess & Wolff, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to reach someone at the collection agency and failed. I have called 4 times and had to leave a message to a " XXXX XXXX '' at XXXX, ext XXXX. It always went to voice mail and never a live person. I also emailed " XXXX '' two times providing my cell phone and email address and again no one ever responded from the agency. I found an alternative number, XXXX, and got an operator. They put me on hold for 10 minutes, transferred me to a collector and put on hold again for 5 minutes. Finally after validation, put on hold again. I called back went through the process again. Finally agreed on a settlement amount. To avoid me making a payment with the assumption of settling and they not living up to their end, I asked for confirmation email confirming our agreement. They would not offer an agreement and I had to take them at their word. This is very unsettling but I agreed to it. They said upon payment I would receive an email confirmation the payment and settlement agreement. That was nearly an hour ago. I called them again and they said the system sends the emails when it gets to them. While this may not be a violation of any Federal or State law, this company customer service is incredibly terrible and giving all collection agencies a bad name.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the following bankruptcy that needs to be removed in my file : 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 2023-06-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon reviewing my recent consumer report, I discovered the presence of bankruptcies that should not be included. After conducting research on relevant laws, I have come to understand that your actions are in violation of 15 U.S Code 1681 a ( 4 ) - the Consumer Right to Privacy. It is my right as a consumer to have these bankruptcies removed from my credit report, as well as to have my personal information protected and not released without my consent. I find your actions completely unacceptable. 

I want to emphasize that I am a victim of identity theft, and your organization may be held criminally and civilly liable for its actions. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal action against your company. 

I expect immediate attention to this matter and a swift resolution. Please acknowledge receipt of this complaint and provide a detailed plan of action to rectify the situation. Failure to comply will leave me with no choice but to take legal measures to protect 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