BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
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:
On XX/XX/XXXX I sent the complaint to XXXX Trans Union and XXXX about incorrect items on my credit report it is well past 30 days and I have not got any information back on my investigation

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 2020-05-29
Company: Experian Information Solutions Inc.
State: TX
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:
My last 4 of Social is XXXX Earlier this year, I filed a complaint against XXXX XXXX for not closing my account when I requested to close it, CFPB took action and XXXX  closed my card. 

Now, I am having a much bigger issue with XXXX XXXX. I was affected by COVID-19, XXXX  XXXX  asked if I needed help with payment and I requested for the relief but they continued to send me same email over and over again. I called XXXX and we went over COVID-19 relief program but, again, got several calls a day every day. On Monday XX/XX/2020, XXXX called again, the rep apologized and and we went over COVID-19 payment relief program one more time and he asked me to make a small payment by the end of next week which I agreed to do so. 
Today, I received an email from credit reporting agencies that XXXX has reported late payment and my score went down by 62 points. XXXX 's rep falsely promised and assured me that late payments will not be reported.

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 2020-05-29
Company: EQUIFAX, INC.
State: TX
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:
My last 4 of Social is XXXX Earlier this year, I filed a complaint against XXXX XXXX  for not closing my account when I requested to close it, CFPB took action and XXXX  closed my card. 

Now, I am having a much bigger issue with XXXX XXXX. I was affected by COVID-19, XXXX XXXX  asked if I needed help with payment and I requested for the relief but they continued to send me same email over and over again. I called XXXX and we went over COVID-19 relief program but, again, got several calls a day every day. On Monday XX/XX/2020, XXXX called again, the rep apologized and and we went over COVID-19 payment relief program one more time and he asked me to make a small payment by the end of next week which I agreed to do so. 
Today, I received an email from credit reporting agencies that XXXX has reported late payment and my score went down by 62 points. XXXX 's rep falsely promised and assured me that late payments will not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2020-07-25
Company: Revolut Technologies Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
No support when they abruptly close my account for no reason, the funding bank that sent me XXXX $ is saying it wasn't returned by Revolut and another transfer that I sent to another account I own is also missing of {$2500.00}, I have requested tracking numbers and can't get a straight answer. I'm missing this money And I have nothing left they took all my money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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: Investigation took more than 30 days

Complaint:
I had contacted XXXX XXXX XXXX I filed an extension on my account on XX/XX/2019. They extended my loan and approved my request. The paperwork was not sent out to me until XX/XX/2019 and I had until XX/XX/2019 to send the documentation back according to the paperwork before being reported to the credit bureau as late. Paperwork was signed and received on XX/XX/2019. Which pushed my payments to the end of my loan to avoid my account being reported negatively. The extension request was approved however the payments were still reported late. I spoke with someone who works in the office of the president who stated he can see that the paperwork was returned and processed however because the payment was late and the extension request was not signed and returned the same day that it was sent, so my account was reported negatively even though the loan was extended. Documentation states I had until the XXXX of XXXX. They were not able to assist because they claim it was valid. This is preventing me from purchasing a new 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 2023-02-11
Company: Diverse Funding Associates LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt collector want to chargch me for something that is no longer in my credit repor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have been trying to contact eppicard services for 2 weeks for a card. I am expecting a unemployment card, I already have a child support card but was told those benefits are separate and will go onto a new card. There is no way to get ahold to anyone on their phone line. I've been on hold for over 38 hrs total. The website is not functioning correctly. I want them to contact me or open their lines of communication properly. People are starting to go back to work so covid should not be a problem anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I used to work for MCM but left the company over a year ago. While I was working for them, they changed software and I was a supervisor during this time. The software didnt work correctly so I had to use my personal cell phone to get the credit cards to work at times. When this occured, my cell phone number became attached to each account that it was used on. Before I left the company, I made sure to go through and search all accounts that my number had been linked to and disable the number. Not long after I left, I started getting calls looking for people from those accounts. I informed them at that time to make sure they werent reenabling my number because it was not a good number for any of these people. Now, I am again getting calls. I have had at least 10 calls in the last week for at least 3 different people. I again told them to disable my number and explained to them why it was on the accounts to begin with. They are not disabling it at all because I am continuing to get calls for the same consumer. One of them, I have now told them 3 times that this is not a good number, but the calls continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25
Company: Duane Morris LLP
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Separate and aside from criminal conduct as set forth and explained within the correspondence annexed hereto as Exhibit " A '', Duane Morris LLP ( " Attorneys XXXX XXXX '' ), the latter 's employee XXXX XXXX XXXX XXXX " Attorney XXXX '' ) in conspiracy with XXXX XXXX ( " XXXX '' ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), XXXX XXXX XXXX ( " Attorneys XXXX '' ) and others, are evading my demands and request made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

Furthermore, as set forth within my communication to be forwarded to the foregoing parties that is annexed hereto as Exhibit " A '', along with Exhibits B through I that are also enclosed hereto and explained within my communication submitted herein as Exhibit " A '', Attorneys XXXX XXXX and the latter 's employee Attorney XXXX on behalf of XXXX and XXXX submitted false - forged evidence to the CFPB on XX/XX/XXXX constituting violations of 18 U.S.C. sections 1001 and 1343. 

Specifically, the foregoing parties continue to misrepresent that I defaulted on my mortgage loan as of XX/XX/XXXX, while omitting and concealing the first foreclosure action set forth default as of XX/XX/XXXX with no payments made thereafter through XXXX XXXX, and I tendered approximately $ XXXX in payments with approximately $ XXXX being cashed, non of which I am being given credit for as explained within my communication annexed hereto as Exhibit " A '' and displayed within Exhibit " G ''. 

In closing, the conduct set forth above, explained within Exhibit " A '' and displayed throughout Exhibits " B '' through " I '' that are also enclosed hereto, constitutes continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: TX
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 never applied for this XXXX {$5000.00} credit card. Account # on my report XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Account status incorrect

Complaint:
This is XXXX 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 2021-02-11
Company: EQUIFAX, INC.
State: TX
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  XXXX XXXX  approved my forbearance due to COVID-19, and in XX/XX/2021, XXXX XXXX  approved deferment option. At the same time, they reported to credit bureau of been OVER 180 days late. I tried to contact XXXX XXXX  several time and the customer service rep kept lying to me about the situation.I requested to talk to supervisor, but they'll not let me talk to the supervisor. I requested a call back but no one ever called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Prosper Marketplace, 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: Account information incorrect

Complaint:
Prosper says they say the sold a loan under my name in XX/XX/XXXX and then transferred inXX/XX/XXXX to XXXX XXXX, and now it is in house under one of them as they own both companies. Prosper has not sent any loan docs with my signature, the ID they would have been required to obtain, and seems nearly clueless when I call them. Yet, someone inside the company has no problem changing and account they are reporting to my credit profile every month but can not physically verify that it was ME who signed up for their program. HUGE lawsuit coming if they don't fix.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Unverified late payments listed on my XXXX XXXX Student loan - I was still in school and payments should have been deferred but the loan was sold. I was not late! I was in school!!

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 2020-05-29
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I had contacted Santander Consumer USA I filed an extension on my account on XX/XX/2019. They extended my loan and approved my request. The paperwork was not sent out to me until XX/XX/2019 and I had until XX/XX/2019 to send the documentation back according to the paperwork before being reported to the credit bureau as late. Paperwork was signed and received on XX/XX/2019. Which pushed my payments to the end of my loan to avoid my account being reported negatively. The extension request was approved however the payments were still reported late. I spoke with someone who works in the office of the president who stated he can see that the paperwork was returned and processed however because the payment was late and the extension request was not signed and returned the same day that it was sent, so my account was reported negatively even though the loan was extended. Documentation states I had until the XXXX of XXXX. They were not able to assist because they claim it was valid. This is preventing me from purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: World Acceptance Corporation
State: IN
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 XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also State a consumer reporting agency can not furnish an account without my written permission.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open Consumer Credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Unverified late payments listed on my Wells Fargo Student loan - I was still in school and payments should have been deferred but the loan was sold. I was not late! I was in school!!

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 2020-05-29
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: Investigation took more than 30 days

Complaint:
I had contacted XXXX XXXX XXXX I filed an extension on my account on XX/XX/2019. They extended my loan and approved my request. The paperwork was not sent out to me until XX/XX/2019 and I had until XX/XX/2019 to send the documentation back according to the paperwork before being reported to the credit bureau as late. Paperwork was signed and received on XX/XX/2019. Which pushed my payments to the end of my loan to avoid my account being reported negatively. The extension request was approved however the payments were still reported late. I spoke with someone who works in the office of the president who stated he can see that the paperwork was returned and processed however because the payment was late and the extension request was not signed and returned the same day that it was sent, so my account was reported negatively even though the loan was extended. Documentation states I had until the XXXX of XXXX. They were not able to assist because they claim it was valid. This is preventing me from purchasing a new 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Hello XX/XX/2023 I had a balance of {$1900.00} from Nordstrom Mastercard XXXX XXXX I paid {$1000.00} of said balance making current balance {$900.00} It took Nordstrom 21 days to update my account when the FAQ says it takes 1-2 business days to update. I called customer service TWICE and was told they are holding my payment for whatever reason and will update at their earliest convenience. 

XX/XX/2023 my account was updated to show balance of {$940.00} due to interest. 

On XX/XX/2023 I was told my credit limit decreased from {$2000.00} to {$1000.00}!! I have not received NOTHING from Nordstrom I was informed by XXXX! I called today and spoke to a supervisor and she could not explain why they HELD my {$1000.00} payment for two weeks. She told me due to my report in XXXX they decided to decrease my limit. But in XXXX I made that payment and they choose to not reflect my balance until she decided to decrease my limit. Now my card utilization is at 100 %!!! Not only did they affect my recovery and have also lowered my credit score! They are even still demanding I pay my balance of {$940.00} after theyve done this to me!! I was dealing with a hardship but can financially afford to pay my balance off while maintaining a utilization under 10 %. I was my credit limit rectified and back to {$2000.00}. Customer service and supervisor was extremely rude and as a loyal customer I was disappointed. Please help.

Company response to consumer: Closed with explanation