BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: GA
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:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 non-monetary relief
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Item # XXXX XXXX Item # XXXX XXXX XXXX XXXX for Deletion According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
If you have any questions or need additional information, please contact me at address noted below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: KY
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 XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still a specific account that needs to be UPDATED. The 3 credit bureaus must verify this account : XXXX XXXX XXXX Balance : {$4000.00}

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 2021-05-11
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Financial Data Systems is trying to collect a debt on behalf of XXXX XXXX XXXX from XX/XX/2015. The original creditor did not bill my medical insurance within my insurance company 's timely filing guidelines. It also appears that this was not filed with my insurance at all. I also did not receive any documentation from the creditor regarding this debt. I only have the information presented from my credit report. I have tried to dispute the debt with this collection agency, and each time I am told this is a valid debt. This debt should be removed on the basis of the original creditor not filing this to my insurance company and on the basis of me not receiving any written notification or documentation regarding this debt. Please see the attached documentation showing when the DofD is, history of medical claims filed, and medical claims filed the date in question. Please review

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 2023-07-24
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX I received information from my childrens mother that someone from the XXXX XXXX XXXX was trying to use my credit report against her. No one had my consent to pull my credit report. My XXXX and Experian are being used against her, and we are not married, nor do I reside in her home.I am not on her lease and feel like this was illegally done.

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 2023-03-06
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} 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 2021-09-03
Company: EQUIFAX, INC.
State: DE
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 am pleading for your help in getting this erroneous account removed from my credit reports : XXXX XXXX Account # XXXX. I have been disputing this account with the credit bureaus and creditor for over 1 year. Not only is this account not mine but it is also reporting completely inaccurately. Please see the attached snap shot from my credit report pulled on XX/XX/XXXX from XXXX XXXX showing how this inaccurate account is reporting on my credit report. 

How can the loan be reporting as opened with XXXX  on XX/XX/XXXX and reporting as opened on XX/XX/XXXX on Equifax? How can the terms be " 12 months '' on XXXX  and due weekly on Equifax? How is my high credit limit {$500.00} on XXXX  with no credit limit reporting on Equifax? How is the date last reported on XXXX  XX/XX/XXXX but on Equifax its XX/XX/XXXX? How is the date last active on XXXX  XX/XX/XXXX when its reporting as XX/XX/XXXX on Equifax? The account is reporting as charged off on XXXX  from XXXX XXXX XXXX but was reported as a charge off on Equifax starting in XXXX XXXX XXXX and now is reporting in good status??? 

I have even spoken to representatives from XXXX  who stated that they never received any verification that this account belonged to me but simply received a letter from XXXX to " Leave the account on my report '' How is this fairness in reporting?? 

How can this possibly be accurate reporting? Per CFPB 's own website " The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. '' There is nothing fair or accurate about the reporting of this account and it should not only be deleted immediately but I should be entitled to remedy as is my right as a consumer for the year that I have fought to remove this accurately reporting account. This is clearly willful negligence on behalf of both XXXX  and Equifax. 

Per the CFPB website : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected ... '' This information is completely inaccurate, incomplete and unverifiable and it should be deleted IMMEDIATELY. Not in 30 days as I have waited over 365 days, this account should be removed right away! 

Please remove this account immediately : XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: SC
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX  Balance : {$460.00}.

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 2023-05-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Subject : Complaint regarding American Express account closure and denial of refund for annual fee Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against American Express regarding the denial of my request for a refund of the {$690.00} annual fee. I believe that these actions are unjust and require your intervention to ensure a fair resolution. 

On XX/XX/XXXX I opened an account with American Express, expecting a satisfactory level of service and transparency. However, after only a few months, they closed my account. 

I was charged an annual fee of {$690.00} at the time of opening the account. 
Given that I had not even had the opportunity to utilize the benefits and services associated with the card for a full year, it is only fair to request a refund of the annual fee. 

Despite my formal request, American Express has denied my refund without providing any reason for their decision. 

The actions taken by American Express have left me feeling misled and frustrated as a consumer. I believe that their actions are in violation of fair business practices and consumer rights. Therefore, I kindly request your assistance in thoroughly investigating this matter and ensuring a just resolution. 


I trust that the Consumer Financial Protection Bureau will take my complaint seriously and address this matter promptly. I seek a fair resolution that upholds consumer rights and holds American Express accountable for their actions. 

Thank you for your attention to this complaint. I eagerly await your response and appreciate your efforts to protect consumers ' interests. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, I would like to escalate a matter that could be perceived as mortgage fraud by Shellpoint Mortgage Servicing. My property address of XXXX Florida was considered a Federal Disaster Area. I applied for a Forbearance Plan in XX/XX/XXXX with my previous servicing company XXXX XXXX Loans. The plan was accepted and put into action effective for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX mortgage payments. I have attached a copy of the modification documents in this email. 

Trial Modification Dates I was placed into a trial modification ( see attached modification documents by XXXX XXXX Loans ), and was told to make on time payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. You will see my attached payment history from XXXX XXXX Loans showing all payments were made on-time except the payment history excluded a payment I made on XX/XX/XXXX. You will see attached to this email proof of payment and XXXX XXXX Bank Statement proving that I made a payment on XX/XX/XXXX. 

Change in Service Company My loan was purchased by Shellpoint Mortgage Servicing from XXXX XXXX Loans in the middle of my modification. 

Credit Report Inaccuracies My credit is showing rolling 90 day late payments that must be removed. Florida Law states skipping a mortgage payment during a Federal Disaster Area Forbearance plan cant affect your credit. This situation has damaged my credit report badly. 

Consumer Financial Protection Bureau I am submitting my complaint for this matter to Shellpoint and this agency in hopes of an immediate resolution. I expect that my loan will be modified with my payments being added to the end of the loan, and I want my credit report cleaned up as well. 

You may respond by phone or email. I have left XXXX XXXX ( Rep for Shell Point ) several messages and written many emails, but she has refused to reply to me. My next course of action is a law suit for mortgage fraud and inaccurate credit reporting. I have provided all the evidence you should require to clear up this matter. 

Thank you! 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: GA
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 settled a charge off with XXXX, they have failed to update the account as settled, they continue to show the debt on my report. I have requested and have disputed the account with them and they fail to correct it.

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 2020-06-13
Company: Experian Information Solutions 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:
I retained copies of my credit reports in XXXX and noticed that XXXX XXXX XXXX placed a collection on Experian credit report in which XXXX claimed that I owe {$320.00}. I immediately disputed this item with Experian and XXXX as I have never done business with XXXX XXXX XXXX before. I requested that XXXX provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately, but XXXX was unable to do that. Over the years, XXXX has tormented me by calling and sending letters harassing me about this collection. This year XXXX, per the advice of my attorney, I sent XXXX XXXX XXXX and Experian a letter requesting removal of this item from my credit report because this Item was placed on my credit report on XX/XX/XXXX and according to FDCPA and Texas Finance Code Chapter 392 ( Debt Collection Statutes ) - The Texas Statute of Limitation for Debt Collection is four 4 years ; meaning XX/XX/XXXX made it 4 years. Texas is my home State. And Ive formally requested that XXXX XXXX XXXX and Experian remove this item from my credit reports by sending a certified return receipt letter to Experian and XXXX. But Experian has yet to remove this Item. I have maintained a careful record of my communications with Experian for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should Experian not remove this account from my Experian credit reports. 
I have reminded Experian and XXXX XXXX XXXX that they will be liable for willful non-compliance as per Texas Finance Code Chapter 392 ( Debt Collection Statutes ) and the FDCPA. Failure of Experian to remove this account from my credit report will result in a small claims action against Experian in a Texas court. I will be seeking {$10000.00} in damages for the following : 1. ) Violation of The Texas Finance Code Chapter 392 ( Debt Collection Statutes ) The Texas Statute of Limitation for Debt Collection.

2. ) Violation of the Fair Credit Reporting Act 3. ) Emotional Distress Experian will be required to appear in a court venue local to me in Texas. 
Sincerely, 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 2023-03-21
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am writing to you today to express my frustration and concern with the delay in receiving my funds after I closed my checking and savings accounts with Chime on XX/XX/2023, they told me I would get by check 30 business days later. As of today, XX/XX/2023, I have yet to receive the funds, and after contacting your customer service representatives, I was informed that the check had not cut or processed, and I would receive it by XX/XX/2023. 

More details I called to close my chime accounts on XX/XX/XXXX, they closed my accounts on XX/XX/2023 and said would get my check 30 business days later. I called again on Monday XX/XX/XXXX to ask about a status update, they said I would receive it in by XX/XX/2023. I did not receive it on XX/XX/XXXX, I called them again and spoke to a manager they told me nothing was wrong but my check had not cut or processed and I should have it by XX/XX/XXXX at the latest. 

I do not think this is fair and would like my money back as soon as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
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: Personal information incorrect

Complaint:
I recently got out of an XXXX  relationship after living in a XXXX XXXX XXXX XXXX for quite some time. In hopes of restarting a new chapter for myself and my kids, I started reviewing my credit report about 4 months ago, in anticipation of making a home purchase. However I noticed negative, inaccurate and derogatory reporting by the credit bureau. I contacted them in writing and on the phone to ask that my information be corrected and completed. The company responded by jumbling up my information - reporting misspelled versions of my name and publishing addresses which I have no association. I attempted to contact them several other times in order to get the information corrected however, their response would always be the same. I checked my credit report as recently as today with the same incorrect information being reported. My information is of a sensitive nature and should not be shared with my abuser. 

At this point, I am seeking intervention to stop the credit bureau from violating the law. Please let me know how I should proceed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/XXXX of XXXX, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

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