BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-17
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 2023-05-17
Company: EQUIFAX, 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:
There are two accounts on my consumer report that should not be there. Please see attachments submitted to corresponding companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 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

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 2019-07-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase is reporting two accounts that are very old. I have requested payment history directly from the company and what they send is nothing more than a generic letter. I need the full history because the two accounts I believe to be past the statue of limitations. I need the full transaction history for both account number ending XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: American Coradius International LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX from American Coradi international ( http : //www.americancoradiusinternational.com/ ) contacted me numerous times : XX/XX/XXXX at XXXX XXXX PST, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX and XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and today XX/XX/XXXX at XXXX XXXX. 

Even though he has my address, he has refused to send anything to me or negotiate with me. I have reported his unprofessional behavior to XXXX who hired this collection agency and they are investigating. 


My credit score has dropped a lot because of American Coradi 's tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Account is closed for not following the TOS they are not telling me what I did wrong our account has been found to be in violation of our Terms of Service and has been closed. While you are still able to access your account and may cash out any remaining funds, all other features, including the Cash Card, have been permanently disabled. 

I dont have specific reasons why, but you can view our Cash Terms of Service at XXXX XXXX XXXX for possible reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have not receive any response from any bureaus. I sent a dispute letter on XX/XX/2021. Thats over 30 days no response.They have 30 days to respond. They credit bureaus operating any way they want to. This isn't fair at all. I want these items deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Re : XXXX  card services I recently disputed an erroneous account on my credit report with transunion. The alleged account has so many inaccuracies, dates.. wrong name, address, incorrect amounts reporting across all bureaus. I received a response from XXXX  saying updated information was processed from a dispute from XXXX  and no real investigation was done because there is no way to correctly report it with so many inaccuracies on for account. I have submitted all the information needed to clearly verify my claim. I wish to have this deleted immediately because its defamation to my character and I know without a doubt I can win a case with the evidence I have. Thank you for your time. 
Regards, 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 2020-09-12
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 never gave my consent to anyone to run my credit

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 2020-07-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive made several attempts to resolve this inaccurate information regarding the bankruptcy on my report. I have provided my police report confirming identity theft, contacted the Bankruptcy courts and XXXX   and EXPERIAN has failed to delete the inaccurate information. Ive sent them a letter back in XX/XX/2020 and they have not responded as requested. At this point, my consumer rights have been violated according to the FCRA. The next step would be contacting an attorney and suing both bureaus. XXXX has permanently deleted the inaccurate Bankruptcy.

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 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Hi XX/XX/XXXX;XX/XX/XXXX ; and TransUnion ; I was actually in the process of reviewing my credit and noticed that there are several incomplete, errors, and variations of my name and addresses and previous addresses. I've attached what I've sent to the credit bureaus many times that i want those previous addresses and unknown names removed from my credit report. Basically, Ilooking at my credit report, I noticed errors with my personal information, misspelledof myactual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries thatI'mnot 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated informationmustbe deletedimmediately from my credit report asthey are not reportable as per theFCRA, since they are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
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:
1. XXXX XXXX- account closed XXXX XXXX, XXXX Paid the account in full due to some hardships the account was closed. I did pay the account as agreed and wrote letters to ask for a good will correction and response was ignored. I have reached out many times and still no answer to the pay and delete because I kept my promise to pay. 
2. XXXX XXXX Account closed XX/XX/XXXX - Paid the account in full due to some hardships the account was closed. I wrote a letter to ask for a good will correction and no response. I called asked but still no response. I have reached out for a pay and delete because I kept my promise to pay.

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 2020-09-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ). 15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose. Remove this late payments and update the accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax reporting late monthly payments reporting on a closed account. I wonder how were the late payments verified? Please provide proof of bank records and proof of the transactions or receipts that belongs to this account. I've been disputing with Equifax sinceXX/XX/2020. EQUIFAX had more then enough time to do a proper investigation along with showing me proof of a proper investigation. They are in violation continuing to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Refer to complaint ID XXXX Dated XXXX Received a letter from Loan Depot XXXX see attached Received a check for {$50.00}, stating a check back on a late fee, this will not suffice for total owed to me, refer to complaint ID above. NOTE : I did in fact pay the last month mortgage payment late ( XXXX suggested at closing the amount of payoff would reflect the last months payment, with late fee. Keep the cash on hand, " pay the late fee '', {$50.00} vs {$1300.00}, no brainer! Check copy attached I am not depositing the {$50.00} check. Check sent in error. 
Letter from Loan Depot XXXX still need more time to " research ''. How long do I need to wait? My XXXX keeps stating the Loan Depot owes ... ... ..I am owed {$6000.00}, difference of cost paid and closing vs. cost of payoff, see attached docs from ID XXXX. 
I ask you? How long of a wait should a paying consumer wait?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Service Finance Holdings, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
My husband recently became very ill and was hospitalized until death. During this time, our family members took over control of our finances and misappropriated our funds in our bank accounts. I was unaware of this until today, when looking at my credit report to see what was not paid. I have filed fraud charges and filed a report for elderly abuse. No one will help me. My husband is dead and I am trying to pick up the pieces.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Fraudulent charges were made on my credit card. I contacted the credit card company, which closed the account and sent me a new card. The company determined the charges were fraudulent and took them off my statement, but an additional fraudulent charge was made on the new account. I contacted the company and this charge was also determined by them to be fraudulent and taken off the statement. The problem is that they charged me late fees for not paying the fraudulent charges. I have contacted them and asked them to remove the late fees. I can not find any language in my credit agreement that allows them to impose late fees on me for fraudulent charges to my account. They have acknowledged receipt of my complaint and assure me that it will be resolved yet they just imposed an additional late fee. My bill now totals {$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 monetary relief
Consumer complaint received 2020-07-17
Company: WELLS FARGO & COMPANY
State: NJ
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 opened up a credit card with Wells Fargo back in 2014 and wasn't able to pay it back due to financial hardships. I just turned XXXX at the time and had a XXXX on the way and was making $ XXXX/hr part time at my job and it wasn't enough to make payments back to the card. I didn't know anything about credit or how it worked back then and now that i am older i see the damage that it has made on my credit report. It is hard to apply for any type of loans now or buy anything due to this negative remark 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 2020-07-17
Company: CADENCE BANCORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
RE : COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX This complaint referenced above has been closed with XXXX  XXXX XXXX stating Cadence Bank must now contact the federal reserve to attempt to locate my missing {$7000.00} payment from the Cadence Savings Account ending in XXXX. I've copied the original complaint below and will attach XXXX XXXX  XXXX 's final complaint response and redacted XXXX Statement. 
I must now respectfully enlist your support in dealing with Cadence Bank as my numerous attempts in person and on the phone dealing with local and regional management has yielded nothing but the continuing accusation that XXXX XXXX XXXX lost my money and that they were responsible for returning it. Please help me ; again. 

Attempted a split payment of my XXXX XXXX  XXXX credit card bill due XX/XX/XXXX. A portion of the balance was taken from business checking and the other from personal savings as it was a large medical bill. Both accounts were debited. Three days later an email arrives stating the {$7000.00} debit from savings had been returned unpaid. After four separate phone calls to XXXX XXXX XXXXXXXX and several to Cadence Bank ( where the saving account resides ) I still have the funds missing from my account yet XXXX XXXX XXXXXXXX says they never received it to refund it. XXXX XXXX XXXXXXXX claims I entered routing/account information wrong on their website yet the money was debited and 2 and a half weeks later has not been returned. Cadence Bank is conducting their own internal investigation. XXXX XXXX  XXXX, whose representative named Justice in digital banking had said the money would be returned to Cadence Bank with 10 business days ( today. ) Today XXXX says the money doesn't exist to return. I must pay the {$7000.00} by XX/XX/XXXX ( the next due date ) but have not interest in paying another {$7000.00} until the first {$7000.00} has been returned to me. I'm extremely displeased with XXXX XXXX XXXXXXXX at this point and find their handing of the entire matter wholly unacceptable. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: NC
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 response to consumer: Closed with explanation