BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
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: Information belongs to someone else

Complaint:
SHOWING A LATE ON MORTGAGE FCRA VIOLATIONS IF IT CANT BE CORRECTED MUST BE REMOVED FTC VIOLATIONS XXXX  XXXX  XXXX  FTC VIOLATIONS FILED AND SENT

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2020-09-08
Company: Experian Information Solutions Inc.
State: KY
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: Problem with personal statement of dispute

Complaint:
I am not disputing the bankruptcy that is showing on the report, however, it has been almost 10 years, and chapter XXXX should drop off at 10 years. I would like Experian to consider deleting the entry all together so I can build better credit. The 10 year period ends XX/XX/2021 which is only just over 3 months away. The bankruptcy was also filed as a chapter XXXX which should only show 7 years on a credit report. Please review and consider deleting the entry.

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 2020-09-06
Company: Paypal Holdings, Inc
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
PayPal won't let me close my account. PayPal won't REMOVE my checking account from the PayPal Account. I have experienced REPEATED fraud with PayPal, but the company will not close my account or accept responsibility for the Fraud. It is extremely difficult to call and speak with anyone at PayPal. After sending several emails and text but getting no response, I did call and finally spoke with someone. I spent more than 2 hours requesting that my account be closed and that my checking account be removed from the account. PayPal has refused to do either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is NOT a new request but have further concerns, Midland mortgage company wants more funds as they have made up 6 different prices on the house when the balance owed on the house approximately {$21000.00}. CFPB # XXXX-XXXX andCFPB # XXXX-XXXX, and is it allowed for them to make up prices, pricing people out of their homes. The balance owed is approximately 21,000, the mortgage company. Yet the requesting approximately {$79000.00}.

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 explanation
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( TRANSUNION, XXXX, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XXXX has already Filed Lawsuits on two Accounts as if they were not passed Statues of limitations in my state they even renewed the dates the accounts were opened to make it seem like they were chasing a debt that was supposed to e already extinguished I missed the court date and they was awarded judgement. 

XXXX is also trying to collect on a dent that is passed the statue of limitations I attached proof. 

XXXX  XXXX XXXX  Continues to report on a dent that happened back in XXXX my reason for disappointment in this is either self explanatory or has already been mentioned FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997,  Filed ( D.C. No. 95-cv- 01743 ).

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 2020-09-06
Company: AMERICAN EXPRESS COMPANY
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:
American Express cancelled all my credit cards when there was not a single payment default or delay or non payment for last 11 years. 

American Express agent totally mismanaged one of the new XXXX XXXX credit card ending XXXX, they offered me while I was abroad. AmEx agent took my bank information to establish Auto Pay, she told me it was the condition for this card. 

I was abroad and had to no access to this account to check whether there was an Auto Pay established for this card. AmEx also sent the card and statements to registered address not my operation address, so my office had no information about this card. 

Our registered office sent me a photo copy of non payment notice ; I immediately contacted American Express Business Corporate service from overseas and agreed in writing to make a fixed monthly payment as suggested my them. AmEx continue to receive this fixed payment as agreed. 

However, due to total disconnect between their Corporate Customer Service and Credit card collection service cancelled all my AmEx credit cards. I personally spoke with them and told them it was their agent who made the mistake not me but no effect on them. 

American Express credit services wouldn't agree to their mistake even though it was against the current credit card California regulations. 

This was a very bad example of American Express treating their customers rudely and with total disregard to Californian Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Experian Information Solutions Inc.
State: CA
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:
I disputed an item off my consumer report regarding the fact experian committed a FCRA violation they deleted the information off my report so with that being said an deletion is an admission that they committed committed violation my report number is XXXX and the date i disputed this account is XX/XX/2021

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 2021-01-30
Company: National Medical Administrators, Inc
State: KY
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:
I received a cahrge to my mastercard that I did not make. The card was was cancelled then reissued with a new number. The amount was {$110.00}. Today I get a bill from National Medical Administrators , Inc. XXXX XXXX XXXX XXXX GA XXXX. I made no such charge The bill says I can dispute the debt with them and they will obtain verification of the debt or copy of judgement and mail me a copy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: EQUIFAX, INC.
State: LA
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 agency is reporting inaccurate information to my credit file associated with trade line XXXX XXXX. 

Invalid account number. I didn't receive enough information to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX and XXXX showing as account to me / FTC violations not known to me best of my knowledge

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 2023-07-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I found out today that because Carrington Mortgage reported me as having a 180 day late in error ( which I am still trying to get fixed ), there is no potential for me to buy a house before I die. 

I was told I would be able to purchase a house once 12 months has past since Carrington reported the 6 months of delinquency ended. PROBLEM ... .... I was never late for 6 months and then these idiots never filed dates because it never happened. It only shown on my report as a 180 day late with no dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: Investigation took more than 30 days

Complaint:
I was told that I would received results within 30 days when I file my first complaint. It has now been 40 plus days and I still haven't received anything so I guess it ok for them to LIE to me and just ignore my request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Enerson Law, LLC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
What is the complaint about? 
My complaint is about a credit card that I owed in 2007, in the amount of {$3000.00}. I received this credit card in 2007 and I used the card to purchase plane tickets to go see my husband, at the time, who had just gotten out of Basic training, in the XXXX XXXX XXXX. The agreement was that if I purchased the tickets, my ex-husband would reimbursement, after he got his sign on bonus, but he never got all of his sing on bonus, so we were not able to pay the credit card back. 
What type of problem are you having? I took out a personal loan to pay off my credit card debt and Enerson Law, LLC, placed a bank levy on my checking account and took {$8500.00} from my account. The Law firm sued me on behalf of a company called XXXX , XXXX. This company bought my debt from XXXX XXXX. I was not able to pay off my credit card debit or my bills and maintain a living, because of the bank levy that was placed on my checking account. In addition, the original credit card was only {$3000.00}. I did not even know I was being sued, because I never received a letter, summons or anything. After the bank levy was placed on my account, I called the bank and the bank gave me information on how to contact the debtor. Only, then did I find out what I had been sued for. Apparently, the letter went to my Mothers house, and she had no knowledge, because she is XXXX. 
What company is this complaint about? The original debt was with XXXX XXXX but XXXX , XXXX bought my debt. 
Who are the people involved? The people involved are myself, XXXX XXXX XXXX and my children, XXXX, XXXX and XXXX XXXX, all of which had to suffer because of this hardship. The Law firm is Emerson Law ( XXXX XXXX ), XXXX , XXXX, the company who either bought my debt or a collection agency and XXXX XXXX, the original debtor.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-30
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a debt collection letter on Saturday, XX/XX/XXXX, from Afni, Inc dated XX/XX/XXXX. Afni, Inc alleges that I owe {$230.00} to XXXX XXXX XXXX. I paid {$230.00} directly to XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, IL XXXX via cashier 's check on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/XXXX I was denied approval for an installment loan due to derogatory information reported on my Equifax credit profile according to the lender. Equifax is reporting a " Scheduled Payment Amount '' of {$10000.00} on a Closed/Charged Off account as " verified '' by Data furnisher as of XX/XX/XXXX results of their Re-investigation ( Confirmation # XXXX ) from my dispute sent to their agency in writing XX/XX/XXXX. My last payment on this account was XX/XX/XXXX and the account was charged off XX/XX/XXXX. This account also appears to continue reporting late payments. I contacted Equifax via phone immediately while at the lender 's office to dispute the issue. On XX/XX/XXXX the same account update with a new " Amount Past Due '' of {$6900.00}. I have reason to believe my rights under the FCRA are being violated by Equifax. These errors remain on my credit report, suppress my credit, & has already prevented my ability to receive credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
My bank account at Bank Of America, along with my credit cards were closed in 2017, although I fulfilled the corresponding payment obligations, they still appear on my credit report, affecting my personal finances. I went to the bank 's offices and did not get a response to the complaint.

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 2017-08-11
Company: SYNCHRONY FINANCIAL
State: NJ
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:
While I closed out my account a few weeks ago in regards to a late fee that was accessed to my account due to the automatic payments not coming out. I noticed that there was a charge to my account that I did not authorize. When I contacted the company I was advised that I agree to the charge. However I did not agree. The charge is fraudulent and I would like this company reprimanded.

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 2018-09-20
Company: CFS Holdings, Inc
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was notified from the credit reporting that a loan was applied for from this company. I did not apply for a loan nor have the means to apply. My social security was stolen and I have been trying to resolved the issue. I have no credit in trying to apply for a loan.My account is flagged from all bureaus as alert on my account for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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 filed a submission to FDIC - Reference Number : XXXX I called XXXX XXXX XX/XX/2018 regarding two credit card accounts I have with them XXXX and XXXX XXXX  credit card accounts. The issue is the rewards program which seems fraudulent they offer and the miscalculation of my XXXX XXXX credit account and poor customer service. The account manager refuses to resolve the issue XX/XX/2018. XXXX XXXX I ordered {$220.00} ( See attached order ) worth of merchandise out of {$500.00} credit, it left me with a balance {$100.00} which is wrong, it should be {$270.00}. It seems that XXXX XXXX is trying to enrich themselves by overcharging me false purchase I never made. The XXXX XXXX customer service representative was very rude, had me on hold for a long time and bringing XXXX into our conversation. Then her supervisor name XXXX was sarcastic because she wouldnt listen about my order and she acted very rudely especially I inform her that the customer service agent was rude and nefarious. XXXX acted so rudely I requested her supervisor the Account Manager. The Account Manager agreed with XXXX, however, didnt hear the conversation. His tone was cold, and he acted unprofessionally about my credit account balance blaming it on XXXX XXXX customer service. I called XXXXXXXX XXXX customer service and they agreed how much I ordered {$220.00} and the XXXX XXXX credit department miscalculated my credit card. See the attached receipt. XXXX XXXX is trying to enrich themselves by charging me extra charges on my account which I didn't give permission nor charge but {$220.00}. XXXX credit card- XXXX XXXX I was sent an email from XXXX  that I had XXXX rewards points and XXXX leftover points ( see attached email ). However, I have only XXXX reward points. Then I was sent a rewards certificate for {$30.00} and the CERTIFICATE # XXXX didnt work. When I called Customer service at XXXX XXXX the customer service acts rude and they only applied a lesser amount of points when I ordered over {$400.00} dollars worth of merchandise. The rewards program seems fraudulent to get a customer to order but they dont want to give the correct amount of rewards. The rewards program needs to be reevaluated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: DISCOVER BANK
State: MI
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 sent a letter to XXXX  to remove unauthorized non account holding hard inquiries off of my credit report but I got no response. I still have receipts from the day I sent the letters out certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
remove the security freeze and the fraud alerts on my reports I did not add them and incant get them to remove ant other way Ive attached my id as proof of id thx 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 2020-12-04
Company: Experian Information Solutions Inc.
State: NJ
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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