BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This inquiry is not authorized and was done by the creditore without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
After receiving notices about data breaches with the credit bureaus I sent requests to get my reports and tried but was denied by all means including the free annual credit report. I feel as though all 3 credit bureaus have violated my rights to view my credit reports to see if there is any fraudulent activity that has occurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX stated on my credit report that I have an Individual tax lien which was reported file date XX/XX/XXXX an amount of {$1000.00}, second one stated filed date XX/XX/XXXX an amount of {$930.00} and third one stated filed date an amount of {$720.00}. I found these to be an error on my credit report and I attached a copies of state of Georgia Tax lien list that clearly indicate that am not on the list and is an error.
TransUnion stated on my credit report that I have an individual tax lien which was reported filed XX/XX/XXXXan amount of {$1000.00} and another one on XX/XX/XXXX an amount of {$930.00}. I found these to be an error on my credit report and I attached copies of State of Georgia Tax lien list that clearly indicate that am not on the list and is an  error.

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: GOLDMAN SACHS BANK USA
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a new savings account via apple with Goldman Sachs. I had over 3 years the apple card credit card from Goldman Sachs without any issues. 
I made deposits with my money and it was successfully added to my account balance. 
So I also scheduled my credit card payments to this account. There is enough money in my account to cover the payments. Unfortunately it got declined and my account became restricted. 
I contacted the customer support several times and spend hours in the support line of Goldman Sachs. Unfortunately none of Agents was able to solve my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03
Company: Consumer Portfolio Services, 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: Was not notified of investigation status or results

Complaint:
For the past two years I have been trying for Consumer Portfolio Services to verify the transaction history on my auto account and fix it since I was never past due as what it shows on my credit report, it shows me being past due in XX/XX/XXXX in the months of XX/XX/XXXX ( 30 days ) XX/XX/XXXX and XX/XX/XXXXand XX/XX/XXXX ( 30 days ) XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX leading all the way to XX/XX/XXXX when I paid off my account, I'm also submitting for further review under the FTCP for the way they collect as my account was only 1 day past due, my records reflect different as not past due, I also tried calling them with no success, no one will respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Radius Global Solutions LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX provided internet service that never worked correctly. After months of support calls due to the internet barely working or not at all, XXXX sent a technician out to review the installation and modem. 

They then replaced the modem and said they would not charge me for the months of internet service that did not work. Then after another month their internet network continued to have low quality of service or none at all. 

I was forced to move my studio since there were no other service providers available and XXXX 's lack of reliable internet service made it impossible to operate my business. 

Now XXXX has sent me to collections via Radius Global Solutions, LLC who is harassing me for payment of a service that I was promised credit for that never was received.

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 2018-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan is currently held by Select Portfolio Servicing & am currently paying PMI since it's inception in XXXX. I have requested to cancel PMI on numerous occasions but it has fallen on deaf ears. 

Under the Homeowners Protection Act of 1998, if my loan is closed on or after XX/XX/XXXX as a single family primary residence & I am current on my loan payments, PMI will automatically terminate on the date the principal balance of my loan is first scheduled to reach 78 % of the original value of the property. This is a clause under Automatic Termination of PMI. I am currently under 49 % & still paying each month for no reason. I want them to be accountable & cancel my PMI as soon as possible & reimburse me thousands of dollars I have paid in PMI installments each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: SC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX  XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX Balance : {$3600.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX : {$7000.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XXXX : {$4500.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC 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 2023-01-18
Company: EQUIFAX, INC.
State: NE
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 appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: AMERICAN EXPRESS COMPANY
State: DC
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 an American Express Delta Gold card with a XXXX sign up bonus after the required spend. I met the required spend, Amex credited my account on my Amex statement for approx 72,000 miles, but has not transferred the points to XXXX. I have called Amex multiple times and have not been able to get Amex to transfer the points even though they are in my Amex account. 

I have attached a copy of the Amex statement which shows I have accrued the points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Loan Provider : Mohela Date : XX/XX/2022 ( refund request made via phone call ) Amount : {$12000.00} ( refund ) I called Mohela Loan Servicer to request a refund for payments made during the pandemic. Total refund as determined by the representative is {$12000.00}. Since this call there have been no updates, no confirmations numbers given, no email updates. As a loan borrower I'm left in the dark and relying on all steps to be taken behind the scenes. This is how refunds and other borrowers ( such as myself ) slip through the cracks. While I'm sure the refund will show up eventually, there's no guarantee besides a potential timeline that keeps getting extended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
By far, Citizens is the most grossly incompetent bank I have ever dealt with. The repeated misinformation I was given by their employees will end up causing me to forfeit a bonus I should have received with a different bank. I CLOSED this account on the phone with customer service with a XXXX balance in XXXX. I was very clear that I did not, under any circumstances, want a direct deposit ( or any other activity ) to take place after closure. I was assured by the customer service rep on the phone, and by her manager whom she connected with, that a " block '' had been placed on my account so nothing would go through. I called back on XX/XX/XXXX, and was again assured that normally Social Security deposits that come through on closed accounts are returned. Today, I found my errant Social Security deposit was indeed back in Citizens with the account reopened. I called, and for once did not encounter their usual 10- or 15-minute wait on hold, but was instead repeatedly disconnected. When I finally was transferred to a supervisor, she told me the first information was erroneous -- that, after again XXXX out my account, I would have to call to request a manager send a notice to a branch to finalize closing the account. Upon calling back to speak to a manager about following the procedure that had been described to me, I was told for a THIRD time that there was yet a different procedure. Now I'm told that I must personally send a letter to the branch office asking to close the account permanently -- they will not send the notice for me. Granted partial responsibility goes to Social Security for their failure to update my information ( despite repeated contact with them ). But all I needed to not suffer a financial loss was for Citizens Bank 's employees to actually know how their bank operates, and give me correct information so the deposit could be rejected and redirected to the correct bank. It is ridiculous that no two employees can provide the same information. At this point, I have no idea if the latest information is even correct -- why should I trust it to be accurate now, when apparently it hasn't ever been before? Let me add that the above is not the ONLY issue I encountered in my brief 3-month involvement. Other failures of communication, and misinformation, led to a domino effect that has proven ridiculously costly, both in time, money, and aggravation. My advice to potential customers : avoid this institution like the plague it has been for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 is reporting a late I do not have. I paid the account off in XXXX and I should not have a XXXX late. They called me and said it was a mistake and that they would fix it however they have not done so. I should not have a late on this account it was paid off and it is their mistake.

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 2023-01-20
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:
I submitted a dispute and furnish my id and utility bill. They sent me a stall letter as if it was not me that submitted my information this is the second time and I want it resolved

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$160.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$550.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$360.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Bankruptcy Reference Number XXXX XXXX XXXX XXXX  : Bankruptcy Reference Number XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : 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 XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03
Company: Kenneth, Eisen & Associates, Ltd.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a correspondence from a company I do not recognize ever having done any business with nor have I enter into any contracts with KENNETH , EISEN & ASSOCIATES , LTD . I have never receive any notification 30 days prior to being reported to the credit bureau. I fail to receive any documentation showing any transfer title of ownership between from the original creditor to KENNETH, EISEN & ASSOCIATES , LTD. under Ohio Revised Code Title [ 13 ] XIII COMMERCIAL TRANSACTIONS - OHIO UNIFORM COMMERCIAL CODE Chapter 1319.12 Taking assignment of debts, I fail to see anything that would show they are in compliance with OHIO LAW.I declare Myself competent. I am not a Corporation or a Public Entity.As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, KENNETH, EISEN & ASSOCIATES, LTD. are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted over 4-5 times over a year by mail also provided them with the Identity theft and police report and after several attempt they agreed to remove the information and block my report. I tried to open a new checking account and I was notified by the bank that my application is denied because of the information on my early warnning report and also too many inquiries on your EWS report. It was my first tine applying and shouldnt have tok many inquirues report and not sure what information they have added to their file but since I was a victim a identity theft and previously had account reported under my information and is possible new activities added to my report. 
I previously notified by early warnning that they block my report and supposedly it prevents new activity but looks like they still contain some information on their report that Im not aware of and it prevented me from openning a neq checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As of XX/XX/2018, I have reached out to a creditor who is reporting negative/inaccurate information that is reflecting on my credit file. I have contacted Consumer Portfolio Services several times asking them to verify the information that they are reporting to the credit bureaus in reference to this particular auto loan. Despite my many formal request under the FCRA requesting that they validate the trade line and send me the verifying documents, which I am entitled to under FCRA Section 616, and 617. They have yet to have done so, I have also sent several letters demand that the unverified trade-line be removed from my report immediately, All attempt have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Unisa, Inc
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contact XXXX XXXX on XX/XX/XXXX regarding my teacher cancellation form. The company then emailed me back stated, XXXX XXXX XXXX University transferred their accounts to UNISA as of XX/XX/XXXX and that my teacher cancellation forms were supposedly transferred along. However as of today that has not happened because the school in question has since been reporting negatively and stated they never received the forms.

Company response to consumer: Closed with explanation