BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-03
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:
The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


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 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 filed a complaint on XX/XX/2019 with Transunion regarding information placed on my credit bureau that was never properly verified. This is my last request for proper verification before filing a lawsuit against Transunion. I have requested a proper investigation into a dispute of XXXX. Transunion continues to update my report as verified as accurate. They have not showed me any documentation of verification, no contract or anything with my signature attached. I have filed numerous disputes as well as submitted a complaint with CFPB. I received an updated credit report after filing a complaint stating verified as accurate again with no proof of verification attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted Wells Fargo to set up a payment plan to pay off my credit card. As you can see for almost 6 years I have never missed a payment and never had a late payment. The second the COVID-19 pandemic took into affect in 2020 I had taking a major pay decrease as everyone did. I told Wells Fargo this and they did not help me but rather cancel my card and charged it off after a missed month. I am willing to pay this debt in full now in either one payment or multiple payments over a certain amount of time. However the charge-off statements on the credit report will need to be removed. I have been trying to contact Wells Fargo about this before it was going to become a problem knowing that I was going to potentially lose my job because of the pandemic. They were extremely rude, did not do anything to accommodate, left me in the dark, canceled my card, and reported me as delinquent. I need help settling this debt and I need help removing the unfair marks off of my credit score edited as it is now affecting my entire livelihood to purchase a car and finance a home

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 2019-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to get this removed from my credit report as this is not mine. I have requested verification that this is my debt and they continue to send me responses that they have verified my debt but it is not mine. I have sent 5 letters and I do not know what else to do. They can not produce anything with my signature on it and no contract! This is not my account and it is reflecting poorly causing a low credit score and I need help getting this removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have received unwarranted collection for ( 2 ) student loans from XX/XX/XXXXthe company NAVIENT says it bought because we did not include in our CHXXXX  bankruptcy plan which was just discharged in last 30 days. How convenient, what a predatory company this is. 
I have paid all student loans and do not owe any which is why it was not part of the plan. 
They have sent several mailers with pay stubs and terms which show the last month of approved forbearance making this seem real but in fact nothing about this is real! 
I have in last 3 years pulled ( 2 ) parent loans through XXXX XXXX XXXX for my children college loans which would not be possible if I still owed on the same student loan program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2022, I applied for an increase of credit limit with American Express, for my Blue Cash Everyday Credit Card. On XX/XX/2022, my request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute to have XXXX XXXX XXXX to remove late remarks on my credit file through XXXX and XXXX took longer than 30 days to reply. By law, your company has to remove any late remarks after the time has expired. Your company has four days to update my XXXX XXXX XXXX Auto Loan as paid as agreed and to remove late payment remarks. If not, legal actions will be taken against your company for violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-09-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian, once again, makes it impossible to deal with them online, and insists that every service they do n't find sufficiently lucrative be conducted by snail mail. Their excuse is specious : they ask 4 questions to " confirm my identity '', two of which I can only answer " none of the above ''. They are typically about bank or merchant accounts. They offer 4 names each of banks or merchants that I am supposed to have an account with. I never have heard of any of these merchants or banks. I know from experience that this is not due to somebody using my name to open credit accounts I know nothing about : it is due to Experian either disguising or entirely making up the names of the banks/merchants so they do n't have to do business with me online. This happens usually when I order my annual credit report online. It has now happenend for my request of a security freeze after the XXXX hack. I tried using their application to upload documents, tried to upload my drivers license, to prove my identity. It does n't work, gives me an error message that only pdf 's are accepted, when I was trying to upload a pdf.

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 2018-01-04
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Reference ID : XXXX I Have funds in my paypal over 180 days. I tried withdrawing funds numerous times but unable to withdraw. Please release my {$12.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: SUNTRUST BANKS, INC.
State: MD
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:
XXXX XXXX XXXX It's 12 hard inquiries on my credit report is not mines how do I remove them from my credit report. Email address 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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-01-05
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: Information belongs to someone else

Complaint:
About 6 or 7 months ago i purchased my first copy of my credit report and noticed that some one unknown to me had used my personal information to get few credit cards from XXXX XXXX under my name. I immediately contacted the credit bureaus and notified them about these accounts was opened up under my name fraudulently and right after i had filled a police report with the local police department. After i sent my dispute letters to all three major credit report agencies, XXXX had removed these fraudulent account from my credit report and i been going back and forth with Experian and XXXX. which i decided to report this to you for help, please help me.

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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX ; XXXX and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX  # XXXX ; XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX. XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.

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 2019-07-30
Company: EQUIFAX, 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:
Equifax wrongfully reported XXXX XXXX XXXX XXXX to my report due to illegal evidence! Ive disputed the accounts numerous times and sent a 609 letter. The accounts were not removed and illegally reported. The employees at XXXX  XXXX targeted me intentionally reporting false information. Equifax removed the inaccuracies but due to the data breach they then had different reportings and deliberately changed my report. Im submitting documents Because of their negligence I can not obtain credit due to w challenged score due to inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
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 account and inquiries are not belong to me or any transactions made by me.Some one use my personal info and applied. Please remove as soon as you can all fraud info from 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 2019-09-25
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: Account information incorrect

Complaint:
The collection Company XXXX XXXX is reporting to the credit agency that they have an a collection account with me that was opened XX/XX/2018 for {$510.00}. I have personally contacted XXXX XXXX over the phone in order to settle the Debt, the issue is when I give them my information they are telling me that I do not owe them money. And that I have never had an account with them. But my credit report states that they are reporting I do owe them money for something.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 recently talked to Transunion and told them that I noticed that there were hard inquiries on my report that I did not authorized and no one seem to help. The following hard inquiries that I did not authorize are : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/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 2018-01-05
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had my debit card stolen and fraudulent activity took place on XXXX XXXX 2017 call to report several unauthorized charges. Bank started a claim for these charges but did not tell me they would file old charges that were 60 days over time allowed. Provisional credit of XXXX and XXXX was put in my checking acct. A week later the XXXX credit was reversed leaving my act. a negative balance of XXXX. I do n't agree with this because i got no letters warning me of this and after contacting the bank the claims department states there working on getting this XXXX back from the merchant which will take 45 to 90 days if the merchant settles in the main time Iam left with a negative account.

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 2018-01-05
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 fraud alerts or security freezes

Complaint:
I placed a credit freeze with all three credit agencies in early XXXX. I then applied for a home loan in mid XXXX and had no problem temporarily lifting my credit freeze with XXXX and XXXX but Experian would never recognize my information online or by phone and required mailed in copies of all my documentation, this delayed my loan processing by several weeks. I thought that this would be a one time issue since I provided all of this documentation to Experian but today I have another reason to request a temporary lift of my credit freeze and again, Experian is the only credit agency that will not recognize any of my information and requires all documentation in hard copy mailed to their location. This is only 1.5 months since I last did this and I still have my confirmation PIN from when I set up the freeze with Experian on XXXX XXXX XXXX. 
I believe Experian is making the process more arduous to discourage individuals from utilizing the credit freeze system. I believe this is because I am not Experian 's customer, their customers are the agencies looking for credit information and my putting a freeze in place could take away from Experian 's business. The Consumer Finance Protection Bureau should ensure measures are in place that credit reporting agencies are responsive to individual requests for temporary lifting and subsequent securing of a credit freeze.

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