BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-28
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 fraud alerts or security freezes

Complaint:
I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me from XXXX, XXXX and Transunion.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX reports an open tradeline with payments iao {$1300.00} and balance {$170000.00}. I am joint on the promissory note for this loan and quit claimed my interest to the co-applicant. I also included the promissory note in a chapter XXXX filing that has discharged since XX/XX/2015 ( case XXXX ). I understand that divorce decrees do not supercede the actual debt, however the debt was fully discharged in the Chapter XXXX and therefore this should be credit suppressed and all delinquencies reported since the discharge should be deleted and the balance should reflect {$0.00} discharged in the chapter 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 2023-05-24
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: IL
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:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
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:
XXXX XXXX XXXX XXXX reports an open tradeline with payments iao {$1300.00} and balance {$170000.00}. I am joint on the promissory note for this loan and quit claimed my interest to the co-applicant. I also included the promissory note in a chapter XXXX filing that has discharged since XX/XX/2015 ( case XXXX ). I understand that divorce decrees do not supercede the actual debt, however the debt was fully discharged in the Chapter XXXX and therefore this should be credit suppressed and all delinquencies reported since the discharge should be deleted and the balance should reflect {$0.00} discharged in the chapter 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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$3300.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$810.00} XXXX  XXXX XXXX : {$5400.00} XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
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:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls to my cell phone about a 10+ year old debt, at least three calls per day. I told them I dont want them to call my cell but they refuse to listen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: EQUIFAX, INC.
State: HI
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:
Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thingy. There are things on my credit that is not mine. I've filed with the FTC and talked to the police. I'm doing on my own. Chapter XXXX Bankruptcy, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX XXXXXXXX XXXX   XXXX, US DEP ED, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. Please remove these items from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: EQUIFAX, INC.
State: CA
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 am complaining and providing extensive evidence that Equifax is incompetent as a repository of records and that evidence shows personal financial damage to me, that equifax automated computers do not function and that equifax can not do basic functions as required by FCRA and other laws.

I disputed XXXX XXXX XXXX ; ACCOUNT NO XXXX  for the incalculable many times. ( confirmation # XXXX ) I am providing two previous dispute results XX/XX/2018 confirmation noXXXX and XX/XX/2018 confirmation number XXXX.

BOTH OF THE RESULTS LIST THE ACCOUNT NUMBER AND SAY THAT THIS ACCOUNT IS NOT ON MY REPORT WHEN IT IS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: CL Holdings LLC
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 have several HARD INQUIRIES to banks and car loans that were identified as identity theft by me. I called to get these removed from my credit report and they are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I received payment for {$590.00} for a pair of shoes I shipped on XXXX. 

XX/XX/XXXX My PayPal account was debited {$590.00} because the buyer reported her XXXX account was hacked and disputed the transaction. 

I don't find it fair that I shipped my item to the address ( I have the tracking number as well ) that was provided to me via the XXXX buyer and now the transaction has been disputed and I'm not only out my {$600.00} shoes, I'm also being charge backed by paypal for {$600.00} AND there was a charge back fee. I have tried resolving this issue over the phone numerous times with zero help. 

I also contacted XXXX who has Seller Protection as well. XXXX told me I would only be covered by their Seller Protection if the buyer opened a claim with them. I have no control over the buyer opening a claim with XXXX. I did reach out to the buyer and asked if she would open a claim with XXXX and received no response. 
On top of that XXXX charged me {$61.00} for Sellerss Fees for this transaction. 

As a business owner myself, I find the business practices taking place by these two companies unjust and immoral.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ask a service to a law firm. The asked a deposit. They never gave the service. Service was to go to a court to defend. The never wen to a court. XXXX  claim to Capital one was on time. They have information in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I recieved a email from legalcorp on behalf of XXXX XXXX telling me i applied for a loan online which i have but have never been approved for any type of loan online i have recieved a payday loan a couple years back but only for XXXX dollars and i admit have failed to pay them back. But in this email im told if i dont respond today im going to be sued for quadruple what i recieved if this is about the payday loan but again email states i applied online .i attached the email

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I gave recently refinanced my home using a VA loan. I closed escrow on XX/XX/2019. My old mortgage company " Home Point Financial '' has not refunded my escrow account and we are past the 30 day window. I have called multiple times and I have been told that a check has not been issued yet and that I need to be patient. My exact refund is unknown but I have been told by my loan officer that it is about {$4900.00}. I do not know how to move forward with this situation. I feel like I have been patient since we are on day 33 and I still have not received my money. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I XXXX XXXX attended XXXX XXXX XXXXXXXX XXXX XXXX ) from XXXX - XXXX, online courses, I received an XXXX XXXX in XXXX XXXX in XXXX, upon completion. My loan was in forbearance for several years. Struggling to make payments due to my husband illness after he retired from the military XXXX. My salary at the time couldnt handle making school payments and helpi take care of our household. Therefore, the forbearance options help our family tremendously. 

I checked on the Studentaid.gov website to find out the total cost of attending XXXX. What I discovered was overwhelming to my eye site. The total listed was more than double the original amount of my loan. I contacted XXXX to request a copy of my account. XXXX email me the copy which indicated the amount of all my classes where {$20000.00} not {$70000.00} that is listed in on the Student Aid website. It is dates listed on the website that dont apply to me. Also, they switch my servicer several times, making my loans attached to different services. 

Last but not least, I believe XXXX was one of the schools that was in some kind of scandal with how they managed getting students to apply for tuition and/or allowing the services to grant students longer forbearances in order to gain additional money to that servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Fair Financial Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, I contracted with a company named " Fair '' to acquire a short term lease to acquire a car to use for work.

I should have realized not to do business with this company after they ran separate hard credit checks inquiries simply because the car I wanted ( and they promised was ready ) was unavailable and I needed to get a different car.

I picked up the car, which was misrepresented by the company in the ad, with pertinent damage the exterior and interior with major stains on the cloth interior. The payments were automatically billed against a credit card, however after a few weeks, FAIR began billing each of my two cards {$220.00} per week even after I unsaved my credit card information. 

Attempting to contact them, in the month of XX/XX/2018, I was required to wait 45 minutes for a human representative who would put me on hold again for a supervisor, who were always conveniently " Not available ''.

When I attempted to return the car, the company did not show up & on the agreed upon date and did not call. Fair continued to bill me after my pickup date because the car " did not get returned ''. I have a copy of a signed document showing the car was picked up on the XX/XX/XXXXhowever, a bill on the XXXX. Yet the Fair representative picking up the car insisted I was not allowed to have a copy of the pickup receipt, which I found incredibly inappropriate. However I was so desperate to end their overbilling, I was afraid of giving them any more reasons to say " The car wasnt pick up yet '' and continue to overbill instead of acknowledge their failure to use vendors who do not give out receipts. 

I was overbilled to the sum of {$1100.00} over the 3 months I was using the car for work, and I received threatening form letters however I can not for the life of me get a supervisor on the phone to actually fix their mistake. 

I have sent multiple emails and attempted to call their office but I have gone ignored once the person insists its going to a supervisor, but the issue is clear : there isn't anyone with the necessary authority who is available to their customers, after they sign on the dotted line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: ID Analytics, Inc.
State: OH
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you  are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, Please remove the following Phone numbers : ( 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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Around XX/XX/XXXX I was contacted by XXXX to defer my payments due to the impact of Hurricane Irma. I was allowed to defer up to 90 days with no issues. Everything reported fine XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX I paid in full all 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX  in XX/XX/XXXX reported me as late for 30 days. I've contacted XXXX and they said that I never replied to the email so I wasn't in the program. The letter states that : 1. We have noted that you are in the area impacted by the storm. 
2. We will not assess late fees for the next 90 days. 
3. To contact IF I have any questions This does not state to contact to enroll in any program, also if I was not in any program then I should be 90 days late and XXXX would've contacted me about my late status. None of this happened. I've contacted XXXX and they said they would not help me and the reporting agencies only go back to XXXX and use them as the source of truth.

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 2023-05-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
-Opened an American Express Delta SkyMiles Platinum card the first week of XX/XX/2023, with first transaction taking place XX/XX/2023. 

-Card features a welcome bonus offer that I am eligible for : " Delta SkyMiles Platinum Cardholders can earn XXXX Bonus Miles after {$3000.00} or more in eligible purchases are made on the Card within the first 6 months of Card Membership. '' -My account achieved the {$3000.00} threshold on XX/XX/2023. 

-In total, more than {$26000.00} of eligible purchases have been made on the card to date. 

-Cardmember agreement states that XXXX account will be credited with the bonus miles within 8-12 weeks after achieving the {$3000.00} in eligible purchases. In practice, these miles are normally credited within a few business days of achieving the threshold. 

-As of this report submission on Monday, XX/XX/2023, American Express has not yet credited the bonus miles. 

-I have contacted American Express via phone and online chat a total of five times since XX/XX/2023. 

-They have acknowledged that I am eligible for the bonus miles, yet still have not credited the miles to my account. Currently, 16 weeks have passed since I achieved the requirements for the bonus miles. 

-Most recently, in an online chat on Friday, XX/XX/XXXX, I was told that the issue would be escalated and resolved within 5 business days maximum. When that did not happen, I reached out via online chat again on Friday, XX/XX/XXXX. Agent again acknowledged that the bonus miles should have been credited already but indicated " As of now, there is no ETA has been provided by them. However, once the issue resolved, we may notify you with an update. '' -American Express has breached the Cardmember Agreement and still has not provided a solution to the issue.

Company response to consumer: Closed with explanation