BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. 
I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-10-14
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:
This is a complaint against Experian. On XX/XX/2020, I spoke to Employee named XXXX in Specialized Team, she was very irate and getting angry why I called.

She did file a dispute against the company. I requested to speak to her Manager, she declined to transfer. I had issue with the Membership, she provided me wrong phone number. 
Experian is very judgmental and is biased reporting consumer information. Even if the Creditor is reporting something false, inaccurate, Experian would not want to dispute it. Per communication with several Attorneys, this is unfair and unethical practice, Under FCRA a Creditor can not report a consumer just to make their commission, interests, and collect money which a creditor is not due. 

XXXX kept on saying if you have a outstanding debt then a creditor will collect all the charges.

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 2020-02-04
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 Dear Consumer Protection Agency, I am filing a formal complaint against my mortgage company BSI Financial. BSI has a secure website for reviewing your mortgage information and making your monthly payments. Since the site is secure and I used my personal computer, using saved information to make payments just as if I paid my water bill, electric bill, or bought something on XXXX it should be the same. 
On several occasions I have made my mortgage payment for which, I received a confirmation number only later when making my next payment to find out previous payment was rejected. Every time I spoke to a representative, they stated my payment was rejected by my bank, but I couldnt figure out what was going wrong with each transaction. BSI added late fees, fees for over the phone payments, and even appraisal fees. Several months later, after several calls to BSI a representative figured out why I was having an issue. It was because their secure website did not except saved payment information even though their site was giving a confirmation for each payment received. Their system would later reject my payment unless payment information re-enter each time.

I had no way of knowing their secure site had this flaw yet, I was penalized financially and credibly with extra fees from BSI and a total of five passed due payments on my credit report.

Attached proof document below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has been harassing me when asked to show proof they sent me a copy of a loan application. My current loan are with XXXX XXXX not these people who can't provide any form of payments missed nothing at all. They claim I owe XXXX dollar but that all I get nothing more I have to contacted them many times and told them show me proof or stopped harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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 began reporting unauthorized charges to USAA XX/XX/XXXX card XXXX. I was issued a new card, then three letters arrived XX/XX/XXXX see attatched letters. USAA coverted my fraud into disputes. Then XX/XX/XXXX ( a year later ) letter Claim Date of XX/XX/XXXX CREDIT CARD FRAUD CLAIMS LETTER amount {$470.00} UNAUTHORIZED CHARGES * CONFIRMED by USAA. USAA letters XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ALL SAY CREDIT CARD FRAUD CHARGE and if you still believe this to be fraud no action is needed on your part. We will continue to pursue your fraud. USAA has been made well aware of the MAIL FRAUD ALSO attatched letter NO DELIVERIES MADE AFTER XX/XX/XXXX Criminal Investion Letter USAA HAS NOT RESPONDED TO ANY FRAUD OR IDENINITY THEFT I REPORT TO THEM BEGINNING XX/XX/XXXX No proof anything was Delivered into my hands or that I. EVEN ORDERED IT. NO USAA PERMANET CREDITS WERE APPLIED TO BE FOUND USAA IS A ZERO LIABILITY BANK. ALSO I AM XXXX AND HAVE NO ACCESS TO MY CREDITCARD. USAA IS NOT ADA ACCESSIBLE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have told Transunion and XXXX I do not owe a collection on my credit report and it is fraudulent account and I have called and they took it off, but it appears again on my report weeks later and I also have written the 2 credit bureaus and collection agency for validation of the debt and it has been past 30 days and it is still on my credit reports and have asked for proof from creditor and collection agency and have not gotten any results.the company is 12 XXXX XXXX using a collection company name 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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted XXXX  the servicer of my loan and they stated they have been updating my account information to XXXX, XXXX  and TransUnion. 

The credit bureaus have not updated my account since XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a XXXX XXXX card under a promo offer for 0 % interest for 15 months, {$200.00} bonus for a minimum spend, and 1.5 % cash back on purchases. I was approved for the card, had been using the card to purchase material for a project and then a month in received an interest charge of {$150.00} on XX/XX/2020 even though I paid the minimum payment and it was supposed to be 0 % interest for 15 months. I also was not receiving any cash back or other bonuses. I called Amex on XX/XX/2020 to figure out what was going on and they told me, I wasn't eligible for the promotional offers. When I asked why, they couldn't tell except for someone in the " specialty department '' decided they removed those options for me. I had an option between this XXXX XXXX XXXX and 3 others from different creditors and ultimately  decided on this card because it had the best offer. Only to find out, they removed the sign-up offers from my account without ever notifying me! They wouldnt put any of this writing of why I did not get the offer bonus after being approved and wouldnt look up or share any notes or transactions on my account. Never once was I notified that the promotional offers would not be provided to me. Complete abuse of power, fraud, and disgraceful business. I ended up paying off the $ XXXX balance to a {$0.00} after they refused to do anything for me and then they charged me an additional {$100.00} of interest chargers AFTER my balance was {$0.00}. I ended up losing out on close to {$1000.00} due to interest chargers, promo offers not happening, and a {$230.00} transfer fee to bring the balance to {$0.00} so no more interest chargers accumulated on my 0 % interest card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14
Company: HW Holding, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO HUNTER WARFIELD INC ( XXXX XXXX XXXX ). I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2100.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire THIS ACCOUNT, I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2018-06-24
Company: Diversified Consultants, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2017, I switched from XXXX to another phone provider. Upon making that switch it was my understanding that my XXXX acct was closed from that day forward. XXXX failed to close my acct, and sent the acct to a collection agency for some sort of unpaid early termination fee. Where it is now reported to the credit bureaus as a charge off. The only way I found about this is through a recent loan application this came up when my credit report was pulled. I was never contacted from XXXX about these unpaid fees. I have since paid the debt in full trying to resolve the matter. When contacting XXXX  they have been less helpful in this matter in removing the negative mark off my credit report which is now causing financial disruption in personal finances. I feel that this is an error on XXXX  's part and wish that this can resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2700.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Initiated multiple disputes with the 3 credit bureaus on XX/XX/XXXX. Mailed a security freeze request letter to Lexis Nexis through certified mail on XX/XX/XXXX. Through tracking information, I can see that the letter made it to its destination around XXXX on XX/XX/XXXX. Disputes came back with no change. Lexis Nexis advised that they have not received letter with all my personal information including a copy of SSN and drivers license even though Tracking says otherwise. They have no idea where this letter is nor do they have any information in their system in regards to a security freeze request. Verbally verified that the address the certified letter was mailed to was correct and that they just have not received the letter. The consumer report ID # for Lexis Nexis is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2018 I used Chase quickpay to send {$200.00} to a seller who promised theatre tickets in exchange for my payment. The seller was fraudulent and I contacted Chase immediately to reverse the charges. The payment was showing as pending in my cheating account and according to Chase quickpay FAQs pending charges could be reversed. Upon calling Chase they said the transaction was already completed by the receiver and could not be reversed. They said it was showing as pending since it can take a business day for these transactions to update. After complaining about how misleading their online information was they just apologized and said nothing could be done. I asked to speak to a higher authority. Chase transferred me to a sr. Specialist who reiterated the same policy. I told them about the fraudulent seller and how the Online information for Chase quickpay included rhetoric that said If you suspect fraudulent activity and would like to reverse a payment, please contact customer support. They said since I initiated the payment they could not help me. I find this to be extremely misleading by giving customers a false sense of security.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: ERC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
These peopled called threatened me. I told them it wasn't me. I pay my bills. They said this call is recorded but they wont hear it. We will ruin your credit if you don't pay even if its not yours its on your report not mines. I didn't know what to do XXXX XXXX Account Number XXXX XXXX - Account Type Collection Collection - Terms 1 Month - - Date Opened XX/XX/2017 XX/XX/2017 - Account Status Closed Open

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XXXX XXXX, 2017 I obtain a copy of my transunion report and i notice i had inaccurate and incorrect information on my report which caused my score to lowers. 
It is my understanding I would like to receive everything in writing that shows if debts are validated her set with a did.

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 2020-10-14
Company: BBVA FINANCIAL CORPORATION
State: CO
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 have a late payment on my account because i attempted to pay it online repeatedly and they kept kicking me off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever to the point that i think it was a false number. By the time i had time to make the payment the payment was late even though i emailed the company to please assist me.They also never called or sent me a bill in the mail so i had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureas but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX XXXX takes care of the XXXX XXXX store cards. Their website does not work. From XX/XX/XXXX to XX/XX/XXXX, it showed I owed nothing yet I started to get calls all hour of the day and night at home, work, and on my cell phone saying I owed money. I just recently paid the entire card off and they reported me to the credit bureau for a delinquent account. 

Even when I try to contact someone, they hang up on me and will not let me speak with a supervisor when the representative can not answer my questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent multiple credit dispute with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus mist abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$1400.00} I disputed this amount. I was never at the hospital. I asked for documentation. None was provided.

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 2018-05-15
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX has not updated incorrect account and balance information to the credit bureaus since XX/XX/XXXX. The loan is showing it's still in delinquent status and causing my scores to drop 11+ points each month due to this issue. The account has been current since XX/XX/XXXX and the balance is {$2100.00} less than what is showing with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 2016-07-01
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX, XXXX XXXX XXXX AND XXXX, XXXX, XXXX COMMITTED F.C.R.A. INFRACTIONS. BY RE-INSERTING ACCOUNT ONTO MY EXPERIAN CREDIT REPORT W/O 5 DAY NOTICE TO CONSUMER IN VIOLATION OF FCRA. MUST PAY {$1000.00} PER THE LAW!

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