BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
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:
The accounts listed are not related to any transactions done by myself. I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy/fraudulent accounts listed on 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 explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX 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.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 2020-11-16
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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2015-04-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: TX
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$330.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}.

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 2020-10-01
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: Investigation took more than 30 days

Complaint:
I have multiple hard inquires that I did not do. I tried to solve it with Transunion and contacting the creditors. Transunion hasn't replied its been over 30 days!

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 2019-04-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Portfolio Recovery reported on both my credit reports XXXX and XXXX 2 days ago, a debt from XXXX XXXX XXXX  XXXX for ( {$910.00} ), that was never established as being mine! For the past almost 2 years I have been asking them for proof with original signed documents and not copies and they have not been able to provide me with that. Instead all they send me are credit card statements without my original signature which as you know is required by law. Furthermore, I HAVE A LETTER FROM THEM dated XX/XX/2019 from XXXX XXXX  XXXX ( XXXX ) that specifically states that this debt was discovered not to be mine! Also, In that letter it is stated in clear bold red that the statute of limitations for collecting this debt has expired!. I have had many phone calls with their representatives and have recorded all of them! This is now harassment and has impacted my credit standing. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: NC
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:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX I Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX BANK Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX AUTO Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX : Mailed XXXX XXXX County Property Tax Statement which indicates taxes due XX/XX/XXXX is {$3800.00}, to Amerihome. Received Annual Escrow Statement dated XX/XX/XXXX, which indicates Property Taxes are {$6800.00}, and that my monthly payments would increase from {$1200.00} to {$1600.00} beginning in XX/XX/XXXX. Called Amerihome in XXXX, and was told that yes, the actual Tax Statement had been received, that my Escrow Account would be updated to reflect the amount on the County Tax Statement, and that they were initiating an Over-payment refund request with XXXX County. Also, that once updated, my monthly payment would be within a few dollars of what it had been, {$1200.00}. Received Statement dated XX/XX/XXXX, which indicated that XXXX 's payment would be {$1600.00}, instead of what it had been previously. Called Amerihome, and spoke  to XXXX, and eventually XXXX, allegedly a Supervisor in the Tax Dept. During this call, it was confirmed that Amerihome had received the Tax Over-payment Refund, and that I should only make a payment of {$1200.00} for XXXX, that my account would be updated and I would receive an updated Annual Escrow Statement. I made that payment on XX/XX/XXXX. Spoke to Amerihome today, XX/XX/XXXX, after the XXXX Statement I received still shows amount due of {$1600.00} for XXXX, and I still have not received a updated Escrow Account Statement, which I need for my XXXX Tax Return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I Have Not supplied Proof Under the doctrine of Estoppel by silence, Engelhardt V. Gravens ( My 281 SW 715, 719, I Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2021-02-16
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover Card is the company I just received an email late evening on yesterday stating that my card was closed due to inactivity. Are you guys serious? The whole world is in a crisis/pandemic and has been for a year now so of course I haven't used my card. For a while we weren't even supposed to leave the house due to quarantine. I had to take this serious as my mother who has XXXX lives with me. I have been trying to be responsible while being unemployed due to Covid by not using my cards and possibly not having a way to pay it back. I made sure all my cards were paid off to a XXXX balance and wanted to have it in case of emergency. Your rates are too high and therefore a lot of stores won't even accept your card just like XXXX XXXX. 

I take my credit serious and to know that if I was somewhere trying to use this card and got declined I would be really furious especially during times like this. I would like this decision to be reversed since I have been a good, faithful member with no late payments. There was no courtesy call or warning of closing my card just due to inactivity. This is ridiculous and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: IL
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:
Experian, XXXX, and XXXX ( XXXX XXXX ) has violated my consumer rights by reporting a bankruptcy illegally on my consumer report. I did not directly or indirectly give neither XXXXXXXX XXXX or Experian or XXXX permission or consent to furnish my information. According to 15 usc 1681 ( A ) ( E ), 15 usc 1681C ( A ). They are violating and breaking legislative law thats put in place to protect me, the consumer rights. The XXXX  bankruptcy court in XXXX notified me that they do not furnish personal information to any CRAS. This is my first complaint.

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 2023-03-25
Company: NRA Group, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX credit card inding inXXXX that is not my card I told them that I had a card ending XXXX was paid off and this XXXX I dont owe this and they keep sending me pre approved credit if I owed and they are trying to collect why give me more credit not mine was sent to old address

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 2020-10-01
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I opened a prepaid debit card with Bluebird that is part of American Express. I didnt have the account for very long. I lost the prepaid debit card around XX/XX/XXXX. I was not aware that on XX/XX/XXXX, the prepaid debit card account had been locked due to an issue I was not made aware of. When I received a copy of my credit profile recently, I noticed that a name had been transmitted to XXXX XXXX that I hadnt ever used. 

When I signed up for the prepaid debit card I had done so under just my maiden last name of XXXX. I am not sure how the debit card ended up with a different last name that I had not used. 

When I attempted to contact customer service on XX/XX/XXXX, I was given multiple excuses as to why I havent been able to resolve the issue and have the prepaid account closed out. Eventually I was told that supposedly there was a negative balance of {$72.00} owed and they wanted the money to close out the prepaid debit card account. I asked for proof and attempted to update my email address to receive communications regarding such. When I brought up the fact that prepaid debit cards can not be overdrawn, I was hung up on. 

I called back and I was then told I needed to call back within 1-2 business days from XX/XX/XXXX. 

Because of these mistakes I was never allowed to properly update my last name, I was never made aware of the fact the prepaid debit card account had the wrong last name, and I was never made aware that I supposedly owed the company {$72.00}, which supposedly was owed back in XXXX of XXXX. 

As far as I know, prepaid debit card accounts can not be overdrawn and consumers can not incur a debt to a financial institution in that manner. 

I never received any notices on the mail that I supposedly owed this money and the only email that was supposedly sent out was on XX/XX/XXXX, which provided that since the prepaid debit card account had been inactive for many years that such was going to be closed out. 

When the customer service associates realized I did not have the prepaid debit card in my possession and could not provide the account number is when they had refused to truly assist me with the issues above. However, when I call into the toll free number and use my social security number is how I am able to establish that there is still an account with Bluebird.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidntiality under 15 USC 1681 Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  / XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states i have 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 containing any of the following items of information, any other adverse item of information, other than records of conviction 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 reporting agency if the person knows or have 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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-07-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U. S. C. 1681C. ( a ) ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) 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 explanation
Consumer complaint received 2020-12-21
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the coronavirus, I was quarantined home for 21 days during the month of XXXX, during this time I was not compensated in any way from my employment, as I adhered to the guidelines of the quarantine. Also in addition to that, the area that I live in was hit with multiple hurricanes and while recovering from that, then being quarantined, I fell behind in my finances in lieu of it and was late making my mortgage payment. The mortgage company reported a 30 day late payment notification to all credit bureaus and upon calling them told me that it was nothing that they could do about it. The late payment was in the amount of {$280.00} for the month of 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 2018-07-09
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XX/XX/XXXX, I added an authorized cardholder who is my girlfriend 's brother. Then I tried to use my Member Rewards of XXXX Platinum to transfer to XXXX miles. However, " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' the above statement shown on Amex website. Till now, I still haven't received any email or mail regarding " Member Rewards Review ''. It will take six to ten weeks to finish this process ; stated by the agent. I think I deserve every single point I earn from purchases. Amex should draw a line that some points might be suspicious if they want to investigate instead of having all points frozen. That makes nonsense for customers to pay {$550.00} annual fee to earn points.

Company response to consumer: Closed with explanation