BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2021-04-08
Company: Experian Information Solutions Inc.
State: CT
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:
On XX/XX/2021 I requested that Experian, XXXX and XXXX send me a copy of my credit report and how they verified that accounts on my credit report. I believe that there are items being reported incorrectly on my report and I want to know how this account were verified and by who.

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 2022-01-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
we sent a wire on XX/XX/2021 for {$60000.00} dollars to our supplier in XXXX XXXX, XXXX have sent them over the years hundreds of wires, this particular one was never delivered to them since then, we have contacted our bank numerous times, finally back in XX/XX/2021 HSBC bank who is the reciver bank requested more info, we provided everything immediately but neither us or our bank XXXX bank have gotten no reponse,, we finally decided just to call back the funds in XX/XX/2021, and even with that no response, the reciver has gotten in touch with HSBC XXXX XXXX but they are sayin g HSBC usa must answer, we are stuck and need help, ive attached the original wire documents and i will povide all reference numbers, reference # on the recall XXXX original transaction number XXXX original reference numer XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2018 HSBC account opened account and funded with {$100000.00}. 
Per terms of the agreement a bonus deposit of {$750.00} would be paid if the balance is maintained for 90 days. According to the terms, the bonus would be paid within 60 days of meeting the 90 day obligation. It is now well beyond the stated time frame as of writing this complaint on XX/XX/2018. The bank said they would research but failed to respond within their stated research timeframe. Additional inquiry has yielded no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: DISCOVER BANK
State: TX
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 am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX XXXX : Synchrony Bank Banana Republic XXXX XXXX account closure Dear Ms. XXXX, I am writing to express my disappointment and displeasure with Synchrony Bank. Imagine my surprise when I called to discuss a payment that had not been received yet, due to delivery issues that the USPS has been experiencing, and I discovered that my Banana Republic Visa Card account had been closed. I then received the letter included in this mailing. I find it extremely unbelievable that my account was closed for high risk of failure to pay. I have had this account since XXXX. I make {$140000.00} a year. I have never been late with a payment ( except with the above-mentioned issue due to USPS problems ) and pay my bill off in full every month. 

I have to wonder if my closing my account was punitive because : 1. I pay my bill off in full every month 2. I have rewards totaling around {$200.00} 3. I havent used the card as much over the past few months What happens to all of the rewards that I have accumulated? Do I lose them since the account was closed through no fault of my own? I have always had excellent credit. I want a guarantee that Synchrony Bank closing my account will not negatively impact my credit. 

Due to the above issue with the USPS and the XXXX payment not being received on time, I paid {$600.00} over the phone and then a week later Synchrony Bank received my check that was delayed due to the USPS problems. The check was cashed. I want to know how and when this will be refunded. 

I need to reiterate how annoyed I am with how unprofessional I find your company and will be lodging complaints with the Consumer Financial Protection Bureau and the 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 monetary relief
Consumer complaint received 2019-09-06
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:
I co-signed for a Motorcycle bike loan in XX/XX/XXXX, with my son in law, which was paid in full on XX/XX/XXXX. At the end of XX/XX/XXXX, we received the Notarized Lien, a satisfaction letter and the original bank loan papers stamped PAID from the bank. However, in XX/XX/XXXX, I tried to get a loan to help my brother purchase a home and when the credit report came back I was informed that XXXX XXXX had been reporting that the loan was been reported as late since XX/XX/XXXX thru XX/XX/XXXX and then as a charge off which is still being reported as of today the same way. I have contacted 2 times since XX/XX/XXXX, the first time I spoke to a Manager named XXXX and I explained the situation at which point to proceed to tell me that apparently the amount of {$940.00} was some type of interest owed. I asked her Why is it that we are finding out this information now and not before you decided to send wrong information to the Credit bureau? She said that someone had called which was a lie because when I asked her to tell me when someone called she said they could not tell me because nobody noted the account. Fine, I said. Then, I said, we were willing to PAY THEM AGAIN for something that was already paid but we would need them to send me a letter stating that they would erase the wrong information from the Credit report because it was damaging and I have worked too hard over the years to have good credit in case I needed to use it to send my kids to college. I explained to her that I had in my possession the documents I described above and she said to fax them to her and gave me a fax number. Not 10 minutes had passed when she called me back saying not to bother sending the documents and that she was prepared to take the money from me but it would have to be a debit transaction and that they would not change any information in the credit report because they didnt have the power to do so. I told her that I was going to consult a lawyer and ended the conversation. I then proceeded to dispute the information with the Credit bureaus. XXXX erased the information in XX/XX/XXXX but I entered a dispute with Experian in XX/XX/XXXX and the most recent one in XX/XX/XXXX and both times were denied from erasing the information. This situation is adding more stress and aggravating my XXXX diagnosis these past 6 months. How can people so this and get away with this? If they want money, again, we are willing to give it to them but they need to admit their mistake and erase the wrong information from our files.

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 2020-06-07
Company: EOS Holdings, Inc.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Greetings, I Partnered into a contract with XXXX XXXX for cellular service, and at the time, they should coverage respectively, for my region in which service was required. I had several occasions being a business owner where my calls were never sent to me for the ability to answer and due to this my company suffered financial hardship. I reached out to them to correct this issue several times, and was unsuccessful. I discontinued service with them and refused to pay, as they breached their own contract. Now they are affecting my credit report and making this a challenge for my family and I to purchase our new home. Thank you for all help that you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXXI was sued by a bank for a loan that I was alleged behind on. Later ( I believe it was a few months ), I was sued again by Portfolio Recovery Associates, but for a higher amount for the same account. 

I contacted Portfolio Recovery Associates in reference to this account, and they are saying I owe them for a XXXX credit card from the original creditor. I never had a credit card with the original creditor, only a loan. I have requested the proper paperwork from them, and Portfolio Recovery Associates has failed to provide the proper paperwork validating that there is a valid debt. They are failing to abide by both Federal Law as well as Texas State law. I have phone recordings from my phone calls with Portfolio Recovery with evidence that they do no have the correct information regarding the account. 

This all goes back to the consent order issued by the CFPB in XX/XX/XXXX where Portfolio Recovery Associates was fined for suing people knowing they would not show up for court, as well as not having proper paperwork on debts. 

This information needs to be deleted off of my credit report because it is apparent that Portfolio Recovery is in violation of the consent order from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2017-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
1. XXXX XXXX XXXX Inquiry : XX/XX/XXXX and XX/XX/XXXX - XXXX XXXX XXXX/XXXX  ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX  ( XXXX ) XXXX 2. XXXX Inquiry :XX/XX/XXXX - XXXX ( XXXX   ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX 3. XXXX XXXX XXXX Inquiry : XX/XX/XXXX - XXXX ( XXXX  ) XXXX See an error?

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-03-09
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an account for Barclays reporting on my credit report. I have never opened an account with this company. I have reached out to them about this account not being mine, I have also disputed it on my credit report, once the dispute was complete it said " meets requirements of the fair credit reporting act. '' I don't understand how they came to that conclusion because there is absolutely no documentation with my authorization of the account because I did not authorize it and have never had a card with them. I reached out to them years ago when I first realized this account was reporting on my credit report and thought they had removed it because I never saw it when I checked XXXX XXXX. it wasn't until I applied for a USDA loan a few weeks ago that I was told that it is still showing on my credit report. I want this account removed from my credit report since I did not open this account!!

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 2023-07-15
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX  and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX : {$470.00}

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 2022-09-02
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: Account information incorrect

Complaint:
XXXX is reporting information on my consumer report without my information. I am the consumer, and I control what is placed on the report according to 15usc1681b no permissible purpose.

Transaction history is not to be reported according to the consumer laws.

The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report.

The privacy law is broken according to The Privacy Act of 1974 ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, XXXX and TransUnion Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX  Bankruptcy Date Filed/Reported:XXXX Reference 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 2018-05-18
Company: LD Holdings Group, LLC
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 AM FORMALLY DISPUTING AN ERRONEOUS REPORT MADE TO THE CREDIT BUREAUS BY LOANDEPOT ON MORTGAGE ACCT # : XXXX On XX/XX/XXXX I enter a 3 month forbearance program offered by LoanDepot to the Florida residents affected by hurricane Irma. As such, I did not have to make payment for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I contacted LoanDepot to make payment arrangements to bring my account up to date. Along with the assurance of not reporting any negative information to the credit bureaus a loan modification was tentatively offered to me after a 3 month trial period in which I would have to pay the amount of {$1600.00} every month from XX/XX/XXXX to XX/XX/XXXX. 
After making all 3 payment ( XX/XX/XXXX XX/XX/XXXX ), I contacted Loandepot on XX/XX/XXXX to ask why my account was reported 90 days delinquent to the credit bureaus. LoanDepot representative told me that it had been a mistake on their part and that the account shouldnt have been reported late or delinquent. LoanDepot also stated they were going to report back to the credit bureaus to correct the erroneous report. On the same call a payment for the amount of {$4700.00} was made to bring the account to current ; therefore, the previously offered loan modification was not utilize. 
To this day two credit bureaus ( XXXX and XXXX ) are showing my LoanDepot account as 90 days delinquent ; consequently, significantly dropping my credit scores ( in the case of XXXX almost 200 points ) which in turn affects my ability to make significant purchases and investments previously planned. More importantly affecting my XXXX XXXX status. I am a XXXX XXXX and XXXX XXXX XXXX subject to periodic background investigations in which credit history is given serious consideration and attention when determining the ability to maintain a trusted position such as mine.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Maximus Education, LLC dba Aidvantage
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
After multiple emails back and forth trying to get clarifying information, I submitted a request for a refund for payments made on my student loans to Aidvantage on XX/XX/2022. Since then on multiple occasions I have asked for an update on my refund and been told it is still processing, despite having submitted this request over 7 weeks ago. I made XXXX payments during the student loan payment freeze, XXXX of which was a payoff payment and have not received a refund for either payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Santander

is reporting information on my consumer report without my information. I am the consumer, and I control w hat is placed on the report according to 15usc1681b no permissible purpose. Transaction history is not to be reported according to the consumer laws. The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report. The privacy law is broken according to The Privacy Act of XXXX ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.

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