BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There were some fraudulent inquiries on my credit report, so I called the XXXX reporting agencies and informed them of my situation. They all told me to file a ftc report which I did and attached my dispute letter, ftc report, ID, SS card and a copy of a utility bill. Its been about XXXX weeks since I've sent this out and I haven't seen any improvement on the removal of these fraudulent inquiries, they are all still there even though i did everything the bureaus told me to do.

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 2017-11-29
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive contacted and complained to all of the inquiries to each company no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-03-03
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the American Express Delta SkyMiles Platinum card on XX/XX/XXXX. When I applied, the advertised promotion ( see the attached screenshot ) was 75000 bonus miles after spending {$3000.00} in the first 90 days. While on the phone with the agent, I specifically asked him if a ) this promotion applied to applications taken over the phone rather than just online, and b ) if, were I to be approved for the card, I would receive the 75000 bonus miles promotion. He answered " Yes '' to both questions. I asked him again to verify the terms of the promotion, and he again affirmed that, upon approval of my application, I would receive the 750000 bonus miles. 

In fact, as soon as the application was completed, I received an email stating that my promotional miles would be only 50000 miles. I immediately called AmEx to lodge a complaint. I was initially told that an investigation and decision would be completed by XX/XX/XXXX. After not hearing from AmEx, I called on XX/XX/XXXX and was told that it could take up to eight weeks to complete the investigation. When I called on XX/XX/XXXX, I was told that it could take up to ninety days for the investigation to be completed. When I called on XX/XX/XXXX, I was told that AmEx had decided to award only the XXXX miles. At no point prior to XX/XX/XXXX had AmEx notified of me of that decision, and if I had not called, I would not have learned of it. 

During my conversation with the agent on XX/XX/XXXX, she told me that since the 50000 miles had already been " activated, '' there was nothing that AmEx could do about the 75000 miles. Contrary to what she implied, I have not used any of the awarded bonus miles. It is true that I did spend {$3000.00} in the first ninety days, but that only because I would not have received any bonus miles if I had not done so. 

Not only did AmEx lie about the promotional miles that I would receive, but they appear to have deliberately waited until after I spent {$3000.00} either to make a decision regarding my case or to notify me about it ( which, again, was done only after I called AmEx to inquire about the investigation 's status ). This is doubly duplicitous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: MOHELA
State: CA
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:
Hello, this debt was forgiven by XXXX XXXX XXXX  but mohela will not remove from my credit report even after notifying them, See attached letter, this debt was legally discharged

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Eastern Account Systems of Connecticut, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Eastern Account XXXX never served me notice of an alleged debt. I only found out due to finding out on my credit report today and getting the points to fall 14 points. I researched and Eastern Account XXXX is illegally reporting the alleged debt b/c 1. No license to collect in Michigan 2. Lack of service of sending notification Eastern continues to illegally collect and its harming my credit and livelihood,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: TN
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report0000 included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : 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 2020-03-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to request your help. LVNV FUNDING LLC is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : XXXX Date opened XX/XX/XXXX Original Creditor XXXX XXXX/Status closed. 

This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2023-10-18
Company: Experian Information Solutions Inc.
State: IL
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-08-23
Company: Persolve, LLC - Legal - Series 2
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX/XXXX, I received an email from Wells Fargo confirming an appointment with a banker named XXXX XXXX at the XXXX XXXX, VA branch. XXXX XXXX was copied on the email at XXXX. I never made this appointment and have never spoken with XXXX XXXX. I don't even know who he is. I responded to the email on XX/XX/2023 asking what it was all about and never received a response. I called Wells Fargo on XX/XX/2023 and spoke with a customer service representative who told me the email was probably " fake. '' On XX/XX/2023, I received an email from Wells Fargo reminding me of the appointment. I went to the XXXX XXXX branch that day and spoke with a women who identified herself as the branch manager and she confirmed that XXXX XXXX does work at that location and she would speak with him to have him look into this. I would like to add that I was forced to go to the branch because no one at that location can be bothered to answer the phone. I called several times before having to drive there. I also left a message on XXXX XXXX 's voicemail and he has not responded. 

I called Wells Fargo customer service to file a complaint since no one at the XXXX XXXX branch seems to care about the issue. The representative I spoke with confirmed the appointment was on the books but she had no information about how or why it had been created. She was able to cancel it and start a complaint in my behalf - case number, XXXX. 

I am filing a complaint with the CFPB because I can not trust that Wells Fargo will look into this and provide an honest, detailed explantation. Why was this appointment created and who created it? This seems extremely shady and I do not want XXXX XXXX having access to any of my accounts.

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 2023-10-18
Company: Maximus Education, LLC dba Aidvantage
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I overpaid my first payment with Aidvantage on XX/XX/XXXX. I also set up auto-pay on their website. I received confirmation of both the payment being made and the auto pay being set up, however, a week later, I received an email that my payment was overdue. I logged into Aidvantage, and saw that somehow the payment had been reversed. The bank account numbers are all correct. I also saw that autopay was no longer set up. Now my credit score is being affected by their error. I have sat on the phone on hold for hours and never receive any custmer service. I feel trapped and deceived by a predatory company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Again Im having problems with my identity since 2014. Your company has been awesome. I actually feel heard and you respond or get the company to respond. Thank you. I tried to get my XXXX  after I found an error with XXXX. Id be overjoyed if they actually agreed I am ME but for years of identity theft caused by my XXXX XXXX my name is XXXX So since I couldnt get my report online they said I could get it by mail so I sent for it on XXXX XXXX from XXXX XXXX have not gotten a response have not gotten my credit report. According to what I read in the FTC they had 15 days from receipt to mail to me. It is now XXXX XXXX and NOTHING. Cant get it online or mail. I really am trying to undo all the damage my XXXX  has done and these companies make it so hard I almost want to give up. 
I wanted my credit report from all three companies and Requested that Online through XXXX XXXX XXXX   XXXX but all three rejected me. Its a lot of work being me. Thank you. 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 2023-10-18
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents, the personal information you are reporting are not mine.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-10-18
Company: Experian Information Solutions 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 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 explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-22
Company: EQUIFAX, INC.
State: OH
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check this account ( A ). It is unacceptable to list this account as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FedLoan Servicing reported me being 90 days late in XXXX of XXXX. In XX/XX/XXXX and again in XX/XX/XXXX I called and told them that I had lost my job and they said that I would be placed in forbearance. I went to apply for a home loan and noticed that on all three reports that I was marked as 90 days delinquent on all 9 accounts. I contacted FedLoan Servicing and the agent told me that he saw where I called in both times and that I should have been in forbearance during that period. He said he would make a not on the account saying such. I checked a few months later and noticed it still said the same thing. I called again and this time the representative instructed me to do a Credit Dispute form. I did so and within a week it was denied. I did this 2 more times, each time a different representative telling me to do and submit different information. I was told by a representative tat if I wasnt very specific that they may not even look at my information and just deny it because no one wants to look through and figure all this out. I submitted the proof from my credit reports circled and highlighted the information. I was still denied. I havent had a late payment on my credit report in years because I knew I wanted to purchase a home this year. I am becoming very frustrating and not confident in our institutions. I have been doing what they tell and submitting documents and keep getting denials without response other that its valid. I do not understand how if they can see my phone calls that they wouldnt know that I requested a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Synovus Bank
State: TX
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:
Hello, Im trying to close my first progress and they said they wont refund the annual fee. Because Im closing it and wont be using it, they should refund my annual fees as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
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:
This is my NUMEROUS endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XX/XX/XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXX/XX/XXXXXXXX Balance Owed : {$5100.00} ;XX/XX/XXXXBalance Owed : {$25000.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
filed bk chapter XXXX Discharged XX/XX/16 case number 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