BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-21
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
unable to get replacement card american express gift card XXXX ( XXXX $ ) purchased XX/XX/XXXX card clearly states that " funds do not expire '' query in XX/XX/XXXX resulted in notice that card was void and needed to be replaced by calling XXXX resulted in letter request from american prepaid card management company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX for copy of government issued photo identification and address proof this was promptly done and return letter was received dated XXXX XXXX stating a replacement card will be shipped and should arrive in 7 to 10 business days nothing happened so called again still nothing so need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
A new agreement between the major credit bureaus and 31 state attorney generals states that tax lien and civil judgements that do not have names, date of birth, addresses, or social security number must be deleted from consumer credit file starting XX/XX/XXXX. TransUnion has a " Paid '' tax lien on my report that meets these standards. This Paid tax lien does not include my name, date of birth, address, nor social security number. XX/XX/XXXX I spoke to TransUnion representative Son. I requested over the phone that the tax lien be removed from my report because it does not meet the above standards. The representative stated that yes he believed it should have been removed before XX/XX/XXXX, but the system had not automatically done so. He placed the request to have the tax lien removed and stated that it could take up to two weeks. I asked why not immediately, since a month has already lapsed. He stated that was their policy. XX/XX/XXXX at about XXXX XXXX I called TransUnion to re-verify that removal of the tax lien was in there system and being process. TransUnion representative XXXX stated that no dispute was in the system for tax lien removal. He was apologetic and stated that he would place it in the system. I informed him to place the request in the system but that I was also going to send a written request to have it deleted. XX/XX/XXXX I called to re-verify request was in TransUnion system. TransUnion representative Al stated that the request was in the system and that the tax lien should be removed in about XX/XX/XXXX. I re-iterated to Al that it was illegal what TransUnion is doing because my tax lien meets the requirements to be remove /deleted off my credit report. Finally, I log into TransUnion online dispute to see if anything showed the status of any dispute and I could not see the status nor any details about the dispute. Instead the page stated, Request Submitted '' and " Request Failed ''. So, TransUnion has verbally acknowledge they have the dispute in their system, yet I can not view any information about the dispute online, which advertise that you should be able to see the status of any dispute online. Note : I keep putting into CFPB my correct date of birth is XX/XX/XXXX and the system keep changing it incorrectly to XX/XX/XXXX. CFPB there is some type of glitch in your system because 3 times I put DOB XX/XX/XXXX and your system changes it to XX/XX/XXXX. To whom ever reads this, my correct date of birth is 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 2020-12-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
These accounts on my credit are multiples and needs to be removed. XXXX was never an company i used, that would be considered identity theft. And for the last two, I was never late on my payments. I tried to rectify these and had no luck. Please assist me. Thank you Accounts XXXX XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX I was never late making a payment on this account. 
XXXX Please correct immediately. 

XXXX XXXX I was never notified by the creditor that my XXXX payment was late. Please delete this late payment.

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 2018-03-04
Company: EQUIFAX, 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:
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX. XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX, XXXX. 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed all of these items by letter with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there.

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 2019-11-07
Company: Experian Information Solutions Inc.
State: LA
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:
THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THE AGENCY HAS ALLOWED THIS TO STAY 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 2018-07-16
Company: Student Loan Care, LLC
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I contracted with the Student Loan Care ( studentloancarecompany.com ) to apply the federal student loan forgiveness program on XX/XX/XXXX. They said they would pay for my loan one year instead of me, then I need to pay for them {$42.00} every month. I believed their services and I did not care well about my student loan payment. 
However, I had to pay {$45.00} every month to XXXX XXXX XXXX as well as XXXX XXXX automatically charges monthly {$42.00} immediately from my bank account. 

In XXXX, I realized my loan balance increased and paid nothing for a while. I just found the record my little paid. I have tried to contact and cancel with the XXXX XXXX XXXX XXXX, and then stop the payment to XXXX XXXX. They said I can not cancel until my paid off. I didn't understand why I have to pay them every month for my federal student loan. They did not pay for anything but gave me a damage of my credits. 
I have NOT received any services or notification from these companies for my loan payment. I was SO upset and complain them, but they are still taking {$42.00} every month from my account. I confirmed with XXXX XXXX XXXX that they are not associated with these companies. I already paid them over {$1200.00}. But my XXXX XXXX balance is not changed. 
The Student Loan Care and XXXX XXXX are defraud to threatening student finance. 

And, I am very wondering how they know my federal loan balance and personal information. I am assuming XXXX XXXX serving or XXXX leak out students ' information. 
So that they are running their business without any association of Federal government. 
I got phone calls SO MANY TIMES from this kind of companies. They said all same words to concern my loan balance and help me. It was not only The XXXX XXXX XXXX XXXX. 

I would like you resolve this problem ASAP. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-12-01
Company: ASSOCIATED BANC-CORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
on XX/XX/XXXX I started a transfer from another bank acct because I saw I was going to go negative. All of my transfers take roughly 24-48 hours. This one stated the same after hitting compete. A day or so later I received an email that transfers are delayed up to 5 days due to the holiday. This was odd since the holiday was still 4 days away. I reached out to the bank right away and they basically said oh well. I then started another transfer to try and prevent any issues from the other bank to Associated. So now I had {$800.00} coming in. I let Associated know. The next day I received 4 OD fees, still no deposit. Then the following day I received the one from the outside bank. 6 days later I finally heard back from Associated. They said they will only reverse one. This is clearly a bank error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THEY HAVE ALLOWED THIS TO STAY 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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have an old account ( XXXX XXXX XXXX ), from 2012, that is still on my credit report. I disputed it with Transunion, and it wasn't removed. All Transunion keeps doing is saying that the updated the information. I disputed the information with ( XXXX XXXX XXXX ) directly and it was removed from XXXX. on my credit age, it shows 1year. Why is Transunion still showing that old account. This account should not be on my credit report. 

File 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 explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: MA
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:
Just the other day I ran an Experian credit check and much to my surprise, I had issues on my report. There was a joint application for a closed XXXX XXXX XXXX. account with {$2400.00} left outstanding. I called the US credit card fraud service and after an hour+ was asked to call the cross borders number and after another hour + was told that this fraud was not on a XXXX card since the only info I have is the first six digits from the Experian report - XXXX. 

I have attached the printout and the following is all I have on my side : Credit Card : XXXX XXXX  XXXX. 
My name is XXXX XXXX XXXX. I go by XXXX XXXX. 
My last four digits on my social is XXXX. 
It says it was a joint application. The only joint application would be with another of my family - XXXX XXXX, XXXX, XXXX or XXXX. No other joint would I go after My address is XXXX XXXX XXXX in XXXX, MA XXXX The address that is on my credit report that is not mine is XXXX XXXX  XXXX XXXX, XXXX, NC XXXX.This may be a way to lookup the past fraud. 
I also have an employer on my credit report as XXXX XXXX The account was opened XX/XX/XXXX. XXXX The account was Closed in XX/XX/XXXX There was a remaining balance closed of {$2400.00}. 
My email is part of the email and I can be contacted by cell phone at 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 2020-07-02
Company: Experian Information Solutions Inc.
State: NJ
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 have sent multiple letters to XXXX, experian, and XXXX  about these 2 accounts for XXXX both show an account # of XXXX ... .Each time they state that they conducted a full investigation and that the reporting is verified as reporting 100 % accurately ... ..How is this even possible? see the 2 documents that i have attached..this was pulled today XX/XX/2020 and there are multiple violations and inaccuracies. First off neither say in the comments that these accounts are under dispute, secondly experian and XXXX  are reporting a new charge off ever single month this is killing my credit score ... ..the high credit limits are all reporting different amounts, terms are different, how are they reporting a past due and a balance on a " charged off '' account?, all 3 have different comments, all 3 have different date of last active, As you can see i have listed multiple violations which mean they did not conduct proper  investigations and are just pencil whipping their responses they need to be held accountable for these violations

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 2020-09-04
Company: Experian Information Solutions 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:
Hello, my name is XXXX XXXX XXXX. THIS IS MY 2ND COMPLAINT. The first response I have received from your company was that " it appeared my complaint was not sent by me. '' Therefore, I will attach a NOTARIZED letter verifying my identity so that you will know that this complaint is sent by me, XXXX XXXX XXXX! I have sent 3 letters requesting verification of account numbers XXXX ( XXXX XXXX XXXX ),  XXXX ( XXXX ),  and XXXX ( XXXX ).  My first letter was sent XX/XX/XXXX, second was sent XX/XX/XXXX, and the third one was sent on XX/XX/XXXX. 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. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file. Under the FCRA, unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. Despite three written requests, the unverified items mentioned still remain on my credit report in violation of Federal Law. They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on  pursuing litigation in this matter to enforce my rights under the FCRA. I demand the accounts be verified or deleted immediately. Therefore, I will attach the latest letter that I have received. I will also attach the latest letter that I have sent out to. All letters that I have sent out have been notarized and include a copy of my Driver 's License, along with a copy of my social security 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 2020-12-01
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket Mortgage responded to an inquiry I made on a website where they advertised very attractive rates. Their sales agent, XXXX XXXX, contacted me, reviewed my goals and I provided him my credit score ( mid to high XXXX 's ). He indicated that with my income and XXXX my loan should be a slam dunk. 

I informed him that I was shopping and that it was important that he be accurate in his representations because I was aware that if he pulled my credit, it could harm me and cost me thousands of dollars if I were not approved, due to unfair Credit Bureau policies that punish consumers who shop between a couple of different mortgage companies. 

Because of XXXX 's indications of preapproval, I spent considerable time and effort with him, supplying him my documents and information required. He in turn refused to offer me any mortgage loan similar to what was advertised or similar to what we had discussed. No loan program was offered that would come close to meeting my needs ; Instead, he offered me a 60 % loan-to-value which was ridiculously low. This was contrary to prior indications : XXXX and his employer Rocket Mortgage " baited and switched '' me to an unattractive, expensive loan that would not meet my needs and which could be considered " predatory ''. This has caused me potentially permanent financial harm as they have lowered my credit score by pulling my credit without making a good faith effort to produce a reasonable loan product. 

I welcome legal inquiries to my personal email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I filed a complaint on XX/XX/XXXX case number XXXX. On XX/XX/XXXX the company, Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX responded that they would release my title within 15 days of payoff. My loan was paid off on XX/XX/XXXX and I still not received the title.

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 2020-07-02
Company: RFNA, LP
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:
Republic Finance is reporting late 's on my account. I just refinanced and don't understand why these late 's are notated on my account.I was never notified about being late and have never made a late payment on this account.

Company response to consumer: Closed with explanation