BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
In XXXX of XXXX XXXX XXXX  lost our XXXX Mortgage payment. We were sending them checks via receipt requested certified mail due to our filing chapter XXXX bankruptcy in XX/XX/XXXX. We have proof ( attached ) that the check arrived at XXXX XXXX but was never processed. When we discovered our payment had not cleared the credit union my wife call XXXX XXXX. They advised us to wait a couple of days and the payment would be credited to the day they received it. After two more days my wife called again. The Supervisor suggested we cancel the check and send in another check. We sent in XXXX and XXXX payment on the same check. ( attached ) ( Our concern was our Bankruptcy was due to be discharged in XXXX and if we were late on the Mortgage it would void our bankruptcy after 59 of 60 payments to the court ) Attached are records of correspondence with XXXX XXXX : 1. 13 phone calls with dates and names of XXXX XXXX  representatives from XX/XX/XXXX to XX/XX/XXXX trying to get this straightened out. 
2. Canceled checks and electronic transfer records showing we have NEVER been late during the time in question. 
3. Copies of credit reports showing XXXX XXXX has reported us 30 days late on numerous occasions. 
4. Credit report showing XX/XX/XXXX payment was credited on XX/XX/XXXX and still reported 30 days late for XXXX. 

Since our Bankruptcy was discharged we have been unable to purchase a much needed replacement vehicle due to subprime interest rates. XXXX credit score was XXXX now due to incorrect multiple 30 day late reported XXXX. 

As you will see by the attached documentation I hope other XXXX XXXX customers aren't put through what we have been through. Please help!!!

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 2021-07-15
Company: Experian Information Solutions Inc.
State: VA
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:
XX/XX/XXXX and XXXX XXXX for {$660.00} Credit Collection I Sent letters requested the credit bureaus XXXX, XXXX, Experian as well as the creditor to provide me the documentation of the proof of verification of investigation that they was suppose to did that they was able to determine account was in fact mine. I have not business with company and unaware of the debt. I also reached out the creditor as well and no response from them or the credit bureaus. And requested the account to be removed from my report if not able to verify it's still reporting on my report negative, and no response from bureaus

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 2018-05-10
Company: Diversified Consultants, Inc.
State: AZ
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:
Hello diversified consultants continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth diversified consultants has never responded to me. So how is expert an verifying this information. According to her phone call I had with a XXXX rep they count on the company to verify this info. That it self is wrong and against the law. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There shows an account on my reports from XXXX XXXX XXXX XXXX -a loan .... and his account has been satisfied some years back and is now past the limitations for MO this accounts needs to be removed from my reports as it is too old to be reporting. I have tried handling this previously and have gotten no help

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 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There shows an account on my reports from XXXX XXXX XXXX XXXX -a loan .... and his account has been satisfied some years back and is now past the limitations for MO this accounts needs to be removed from my reports as it is too old to be reporting. I have tried handling this previously and have gotten no help

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 2020-08-19
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am filing a complaint today with you on Discover Financial Services who enrolled me in one of their programs Discover Protection Services WITHOUT my legal authorization when I opened up my account on XX/XX/XXXX. Their fees including interest based on this service have accrued to around {$8000.00} - {$10000.00} currently. 

I filed a dispute over a year ago and they only agreed to repay me {$850.00} and closed my case and shut down communication immediately. I found it absolutely unacceptable and proceeded to write 3 letters over the course of a year to appeal this - I faxed and sent to all the contact # 's I received online and through customer reps. I received ZERO response from Discover. 

Finally, I found an email only listed on the XXXX XXXX XXXX   website for their Executive Offices and I attempted a 4th attempt to contact them. 

Nonetheless, I only received an official letter rejecting what I was requesting from them with a generic response. 

The MOST important fact in this complaint that has to be noted going forward, is that I DID NOT voluntarily ask for this. 

I would like it to be noted on this complaint I am filing now, that throughout this process, all my attempts to communicate with Discover is that I have ALWAYS requested them for proof to that I actually voluntarily signed up for Discover Protection Services. 

If you read my enclosed letters to them I provided ALL of my contact information ( which they should have had anyway ), and that I have always been available for contact so I could assist them in an investigation. 

A company as big as Discover certainly would have the means through basic technology - documents and call recordings, yet NOTHING was received. 

I have fought this since XX/XX/XXXX and spent a many time and effort to present my case but have only received unfair resolution and no one is listening. 

I have always paid my bills on time to EVERY creditor I have, and now Discovers negligence has caused my credit score decrease signifigantly on all my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX and Experian. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is 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 2021-07-15
Company: AMERICAN EXPRESS COMPANY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: NC
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 CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I transferred the property by quit claim deed to my ex-husband in my divorce and 6 months prior to that a motion was filed that stated he was responsible for all mortgage payments on the home. He failed to make any mortgage payments and the house went into foreclosure. I attended the foreclosure mediations and was able to get myself " removed as a defendant '' from the foreclosure. The final judgement was only served on my ex-husband. I have a letter from the attorney 's office who handled the foreclosure stating I had interest in the action and I was not a party to the foreclosure together with a copy of the withdrawal they filed. This was all provided to XXXX and all I and my current lender has asked is to remove the language " foreclosure '' from my credit report so I can move forward in applying for a mortgage but they refuse to. 

I need this language removed so I can apply for a mortgage. I was not a party of the foreclosure therefore it should not appear on my credit report. This is all we are asking and they refuse to remove it. 

Please advise if you can help. This is all that is holding me up from getting a mortgage. It's unfair that I have to suffer for what my ex-husband decided to do. 


My current lender contacted them on XX/XX/XXXX and faxed all required information to them Both myself and my current mortgage company followed up with them on XX/XX/XXXX and was told it would be resolved in a few days My current mortgage company called them again on XX/XX/XXXX because we did not hear back from them as they had stated and they sill refuse to remove " foreclosure '' from my credit report I called on XX/XX/XXXX and the stated a case had to be opened and it would take 10 days even though we had previously called and provided all the requested documentation.

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 2020-11-05
Company: AMERICAN EXPRESS COMPANY
State: NY
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Franklin Collection Service, 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:
This account is an unauthorized account. This is a fraudulent account, I never authorized the opening of this account nor did I open it or give anyone authorization to use my name. I am in the middle of a major commercial transaction and I am unable to move forward as a result of Franklin Collection Services placing this collection account on my credit report. 
I spoke to them and they informed me that they can not remove it from my credit report until XXXX XXXX XXXX performs its investigation. I find this hard to believe that my credit is being held hostage as they investigate an account that I had nothing to do with and Ive informed them of this. To put more to it, I NEVER received any written notification of this debt because it was fraud and they used the fraudulent address for mailing. 
I am politely asking that this account be removed from my credit reports until they are able to figure this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I had a payment of {$330.00} come out of my bank account. Their website showed a minimum payment due of {$130.00} approximately. ( this was confirmed by a rep today XX/XX/XXXX at approximately XXXX mst ). I realized that I was over my limit and the paper statement showed the {$330.00} as the minimum payment so I assumed that I had just read the website wrong. It was about {$20.00} off in XXXX so on XX/XX/XXXX, after my XX/XX/XXXX statement had posted, I took a picture of the minimum due on XX/XX/XXXX it showed {$140.00}. Today I logged on and it is showing a payment of {$210.00}. My paperless statement also shows the minimum due as {$210.00} but website clearly shows a minimum due of {$140.00}.

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 2020-10-12
Company: Avid Acceptance, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have made almost XXXX in payments and my loan has only come down {$600.00} I didnt notice this once I did I called and the company told me that this was because I have made a few late payments I was not aware that my payments were being put strictly to interest. I called back and asked for a completete payment summary that included paydays and due dates as well as fees and interest daily and was sent a sheet that makes no sense.

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 2018-06-14
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: Account information incorrect

Complaint:
Please see attachment. I am accused of a serious delinquency. I ask for WHAT and PROOF. I DENY any serious delinquency.

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 2019-01-14
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, I reached out to XXXX  ( my loan was just switched from XXXX XXXX ) to inquire about loan forgiveness for Federal Government employees. XXXX explained that in order to certify my student loans my loans would have to be sent back to XXXX for servicing. 

XXXX contacted me and said they would need to review my employment record from XX/XX/XXXX and look and my payments and they will tell me the number of qualifying payments after their review. 

XXXX  finally reached out and stated that I had " 0 '' qualifying payments. I was told that " I was not in an income-driven repayment plan. '' The agent helped me switch over to the pay-as-you-earn repayment plan and recommended that I consolidate my loans to help pay them down faster. 

In XX/XX/XXXX, I was informed that there was a reversal on the decision and now ALL repayment options for the loan forgiveness program and that I needed to resubmit my request -- and I did. 

After reaching out the XXXX after discovering the reversal decision, I was told I needed to resend the original denial letter and resubmit a new form. After submitting this information, XXXX stated that I only had " 10 qualifying payments '' because my loan was consolidated in last year. 

The only reason I consolidated my loan was because XXXX initially told me I had " 0 '' qualifying payments because I was in the wrong repayment plan so I switched it. 

XXXX should consider those original payments starting with XX/XX/XXXX to present because the only reason my loan was sent back to XXXX was so they could review my loan for federal loan forgiveness program. Now my account shows that I only have 11 qualifying payments. This is false/misleading information from the student loan servicing entity to trick people into consolidating loans to lower their payments, but they are doing this to disqualify payments for their " loan forgiveness program '' scam. The only reason I considered becoming a XXXX XXXX was because of this program. Now, XXXX claims I have to work and pay an additional 9 more years. 

These loans include both undergraduate educations starting back in XXXX to more recent graduate loans in XXXX. I have paid my fair share. I just want the Department of Education to follow through on their claims to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
State: CA
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 have been a victim of credit fraud. I have requested under FDRC act to obtain proof that I gave authorization for credit inquiries. The customer rep did declined to help me. Ive 3 different written letters to all three bureaus re : 16 inquires on my reports and nothing have been done. Ive called. Nothing. Help

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 2018-07-10
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion, XXXX XXXX XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-01-14
Company: United PanAm Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had an auto loan with XXXX XXXX XXXX. The vehicle ( XXXX XXXX  / XXXX / XXXX-4 CYL ) needed repairs in which I took it to a repair shop. The owner XXXX ( ( XXXX ) XXXX ) gave the cost of repairs. I then decided to a voluntary repo in which the vehicle was supposed to be picked up. I should only be being billed for the difference of what it was sold for. I should not be being billed for the full amount of the vehicle. I've tried numerous times to negotiate this cost with them to no avail.

Company response to consumer: Closed with explanation