BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681se ction 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 U.S.C. 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.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-06-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The company, XXXX XXXX, failed to notify us that their automated system failed to work because they sent our monthly statements to some address in XXXX, not our address ( XXXX XXXX XXXX XXXX XXXX MI XXXX. As a consequence, we were not even informed that their automated payment system failed. 

This complaint differs from XXXX - which is based upon their automated payment system not working. This complaint is that XXXX changed the mailing address we gave them ( above ) to some address in XXXX. After some investigation, it appears that someone who shares my name put in a change of address form with the USPS and that XXXX has some kind of automated system for culling such change of address information. As a consequence, XXXX stopped sending us monthly notices. Therefore, we had no way of knowing that their system failed ( until we reviewed our bank statement at the beginning of the following month ). 

Their assertion that they 'correctly reported a late payment ' is FALSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
my XXXX  credit card formerly issued with XXXX a visa card has been switched without my permission to the worst credit card company with the most unprofessional customer service. BARCLAY BANK never sent me a new card as per the agreement and the notification i received by mail!!! ..8 hours..5 phone calls had to leave my XXXX XXXX  mother with a neighbour! ..my mother has received her card..an extra was given in my name..i am supposed to be receiving my own replacement card!!!!! i tried to register the card my mother got in my name..it is not working!!!! ..BARCLAY NEEDS TO BE MORE RESPECTFUL OF PROSPECTIVE CUSTOMERS! I WANT MY OWN CARD AS I HAD WITH MY XXXX XXXX CARD!! EITHER WAY..NO DEALING..NO RESPONSE..UNABLE TO REGISTER THE CARD MY MOTHER RECEIVED AS AN AUTHORIZED USER!!!. issue me replace my visa/XXXX with a credit card in my own name!!! ..i do not want to be an authorized user! i want a new cards in my name..only! you have no idea how frustrating and aggravating this is! i never miss ANY CREDIT CARD PAYMENTS! HAVE AN EXCELLENT CREDIT SCORE! 1 ) I WANT A NEW REPLACEMENT CARD FOR THE ONE DID NOT RECEIVE! i want to register it online so i can pay any charges that are incurred... i curse the day chase switched it's XXXX card to these numbskulls! ..i am considering legal action against BARCLAYS! ..please intercede on my behalf! i would have a better chance of talking to XXXX with a XXXX XXXX  than these uncaring selfish idiots! they knew this was happening -- get more customer agents! ..please get in touch with BARCLAYS let them know that i did not get my own card!!!!!!!!!!!!!! thank you j. senning.see how you or anyone else would like to be on hold for 9 hours!!! i have enough to do... i do not need this unprofessional behaviour from a bank issuing this credit card..

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 2023-01-20
Company: CITIBANK, N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I recently opened a Citi Priority online checking account since their website advertised unlimited USD domestic wire transfers. However I've spent the past two weeks trying to send out a single wire transfer of XXXX to XXXX XXXX  and my wire transfer keeps getting cancelled even though I am constantly calling Citibank to make sure it gets submitted. 

I get an email asking me to call in to give additional information, so I call the number given and the customer support agent says to wait and that there is no more required information. I receive no more communication until the next day I get an email saying my wire transfer was cancelled. 

It is wrong of Citi to advertise unlimited USD wire transfers yet when I contact them constantly over the past two weeks to get a single wire transfer sent out it always gets cancelled. My wire transfer has been cancelled 4 times already

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 2023-01-20
Company: Experian Information Solutions Inc.
State: WV
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:
The following accounts have been challenged and I got no answer back. I really trying to get this information up to date so that I can move forward with my financial journey 1. Date Of Last Activity reporting false and inaccurate data XXXX XXXX  Account Number : XXXX delete this account because the information is showing wrong data 2. disputes accounts status XXXX  Account Number : XXXX delete this account because it is reporting false data account is closed and should be gone 3. please validate as I believe you are in violation of my rights XXXX  XXXX  Account Number : XXXX delete this account because it is reporting unverified information - Send Proof - please send proof of proper investigation

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 2019-12-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
these loans was a forbearance these loans was defferred and in XX/XX/XXXXXX/XX/XXXXany lates was covered my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: NC
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:
This letter is to request the removal of the fraud alert on my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I enrolled HOME CHEF rewards at AMEX Platinum. The offer is spends XXXX dollar at homechef for get XXXX $ credits back, it can get up to three times. I spend {$160.00} in total from XXXX 2021 to XXXX 2021. I also received the email from AMEX on successful redeemed the offer. However, I still do not received anything till XXXX. 

Usually, the amex rewards is very fast and only take 1 day. 

I did call the AMEX agent around XXXX month end, but the agent only confirm the offer and can not provide an exact date due to the technology issues. 

I chat with AMEX on XXXX again, the first agent confirmed the offer but also mentioned a tech mistake related to rewards. He suggest me check back in XXXX business day and mentioned that he can not issue the credits although he confirmed the rewards. He escalate the issue to the supervisor XXXX. The second person XXXX is very rude and slow. He start to questioned about the qualifications of the rewards, he is concerning whether I am qualify for the offer. He copy the terms ago and said I only spend XXXX $ each time. However, I received the email from AMEX for the rewards and the agent I spoke with both confirmed the eligibility of the rewards. The supervisor seems not knowledgeable enough to qualify as a supervisor. He also does not willing to issue the credit to me today although the offer is already passed for 1 month. 

I am confused and feel very unhappy about the supervisor 's behavior and client management responsibility. He does not have enough business knowledge about the credit card rewards term also try to make excuse to the clients and even misleading the clients. I already marked two reminders in my calendar to reminds reach out to AMEX. Both two agents suggest me contact back AMEX in 3-5 days instead of provide credits immediately. It create tons of work and inconvenience to the clients. I have to remind myself for the unpaid credits rewards from AMEX. 

I am requesting AMEX to issue the credit back to me ASAP and make apologize for the inconvenience as well as the very rude, and unprofessional behavior for the " supervisor ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Upon reviewing my credit history, I discovered the presence of a late payment entry that I neither acknowledge nor recognize. 
Account Information : XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Either there may be a system error or this account may be with another holder with the same name.

I believe that this late payment entry may be the result of inaccurate information or a possible mix-up with another account holder who shares my name and similar information. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reported late payment and, if necessary, remove it from my credit report. I understand the importance of accurate credit reporting and the impact it has on my financial well-being. 
If there is another account holder with the same or similar name and information, I urge your bureau to take the necessary steps to differentiate our accounts accurately to avoid any future discrepancies.

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 2022-02-17
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: Was not notified of investigation status or results

Complaint:
I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved. 

Transunion committed fraud on my consumer report. I did not consent, benefit, nor authorize these accounts on my consumer report and Transunion has failed to provide documentation proving otherwise in the time allotted.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 U.S.C. 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.

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 2018-04-23
Company: TOLEDO FINANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Toledo Finance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: FIDELITY CAPITAL HOLDINGS, INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was renting a home in the block of XXXX XXXX XXXX in XXXX we came to and agreement to vacate the property l did and l have the letter from the court stating XXXX balance and the creditor is the landlord and he wont take the judgement off and he is not holding up his end of agreement and l have the documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: FISERV INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Money Network abruptly placed a hold on my account for a reason I'm not clear on and will not help me with getting it back up and going. I was told to show receipts for specific transactions made using the debit card, which I did, but this resulted in nothing. I have not been able to get help from the customer service representative for over a week but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Money Network quite frequently. This account is used to pay my bills so I need the hold removed immediately. My email linked to my Money Network account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First, this is the third company to hold my mortgage in less than 6 months. There should be a limit to how many times your mortgage can be sold in a set period of time. Consumers should not have to worry about this issue every 2 months. 

Regarding the current company and complaint, the escrow information must have transferred incorrectly because I received an email from my insurance broker stating that my homeowners insurance was about to be cancelled because the mortgage company had not paid the premium. I called Mr. Cooper ( the new mortgage company ) on XX/XX/20, just minutes after receiving the email from XXXX XXXX and let them know that the information they have in their app about the premium and the due date were incorrect. I had to speak to three people, but they finally got them to express pay the homeowners insurance premium which would post XX/XX/20 ( this was the due date, if I didn't pay by this time a late fee would be applied and my homeowners insurance would be canceled on XX/XX/20 ). I was told that the late fee would be my responsibility, which is just outrageous. As of today XX/XX/20, XXXX XXXX XXXX  has still not received their payment and I am still currently in jeopardy of losing my homeowners insurance. Please note that I have paid all of my mortgage payments on time and have even paid additional money to reduce the principal balance on my account. 

To add insult to injury, I received my tax bill a few days later which is also to be paid by escrow. The Mr. Cooper app has my tax info as being due XX/XX/20, when in actuality the payment is due XX/XX/20. I called them again on XX/XX/20 and spoke to two people who assured me they would work with the XXXX XXXX County Property Tax department to get this sorted out and paid on time. It's been over a week now and nothing has changed on my account. I have sent another email and will continue to hound them until the situation is resolved, but why is this my responsibility? Are mortgage companies not required to pay your escrow disbursements on time and correctly when they buy your loan? Why should the consumer have to be on top of them every time? This is especially frustrating when your loan gets sold every 2 months. 

I could lose my house if I don't pay my mortgage on time, but it appears there is no recourse if they don't pay my insurance and taxes on time ... at least not for them. For me, my credit and reputation takes a hit, but nothing happens to the mortgage company? This just doesn't seem right, which is why I'm asking you for help and filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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:
Pursuant 16 CFR 313.4 a company must provide an initial clear and conspicuous notice that accurately reflects the privacy policies and practices as well as an annual notice to consumers. I have not received an initial nor an annual notice from Santander. When I reach out to Santander for the information, I get no response. 

Being that Santander has not provided myself with the required notices, Santander is not providing proper documents required allowing myself to opt out of having my personal information to be shared to a nonaffiliated third party pursuant 16 CFR 313.7. 

Santander has provided my personal information to both XXXX and XXXX with out my written consent.

Company response to consumer: Closed with explanation