BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
CRA in violation of several consumer protection 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 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion stated verified but is reporting alleged account 2 times on credit report violation, XXXX XXXX XXXX and XXXX bank fail to respond to documents requested stating they do not have to send them false enclosed AFFIDAVIT OF FAULT XXXX XXXX and transunion ten days to respond back or any alleged obligation they think we have is null and void there after reporting without validation is a violation actual documents not hearsay paper work thats your opinnion.

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 2018-01-15
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX and I 'm reaching out because of my credit that is flagged with the credit bureaus from XXXX. I have switched to XXXX XXXX XXXX XXXX for a prepaid no-contract phone service only with XXXX and paid my first bill on XXXX XXXX XXXX and then I have switched to XXXX on XXXX XXXX XXXX after I have paid the month of service which is XXXX. Therefore, XXXX tried to bill me for a month that I did not have phone service for, instead I 've had phone service with XXXX. I have uploaded two pdf documents one is the bill summary from XXXX and the second one is the receipt from XXXX when I 've switched. 
Please feel free to reach out for any questions or concerns. 
Thanks. 

Best, 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 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
All three bureaus are INCORRECTLY reporting me as being late with my XXXX XXXX XXXX XXXX account ( XXXX ). 

Each of these bureaus are reporting me as being late or delinquent and I have never been late or delinquent. I have proof directly from the creditor which is attached. This just goes to show you that all 3 bureaus are reporting false information to simply damage someone's credit. 

I need this account to be updated with all 3 bureaus immediately and a brand new credit report to be sent to me for confirmation. 

This is getting ridiculous the way they violate the law. ATTACHMENT SHOWS THAT THE CREDITOR FIXED THIS BUT THE BUREAUS ARE NOT FIXING IT.

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 2021-09-09
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Are used to really enjoy using my Apple card because of how convenient it was however Ive come to the realization that my Apple Card and Goldman Sachs does not give a XXXX about me at all. Because every single time there is some kind of fraudulent transaction or if I have issue with a purchase made Goldman Sachs and Apple are no help whatsoever, they never rectify the issue and always leave me responsible for the charge even though it is either fraudulent or I never received the item. No other credit card company does that to me except for the Apple Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
At XXXX XXXX on XXXX/XXXX/18, I received a call from cotton wood financial in regards to a debt of XXXX I owe. The debt collect ask if it was me after I confirmed it was me and my information she immediate escalated her attitude and became very rude and questioning my integrity. I have escalated on the call and she returned the profanity. 

I have been working with he company to resolve my debt and have already paid half of what I owe. I had called back and talk to a supervisor in regards to their debt collections procedures and policies in regards to her blatant disrespect and escalations. 

During the first part of the call my demeanor was calm and professional until the rep XXXX had became offensive, duragatory and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Experian Information Solutions Inc.
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:
All three bureaus are INCORRECTLY reporting me as being late with my XXXX XXXX XXXX XXXX account ( XXXX ). 

Each of these bureaus are reporting me as being late or delinquent and I have never been late or delinquent. I have proof directly from the creditor which is attached. This just goes to show you that all 3 bureaus are reporting false information to simply damage someone's credit. 

I need this account to be updated with all 3 bureaus immediately and a brand new credit report to be sent to me for confirmation. 

This is getting ridiculous the way they violate the law. ATTACHMENT SHOWS THAT THE CREDITOR FIXED THIS BUT THE BUREAUS ARE NOT FIXING IT.

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 2019-07-18
Company: EQUIFAX, INC.
State: IL
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:
CRA in violation of several consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Legal action was taken against me by Wakefield & Associates, INC on XX/XX/XXXX and papers were served on XX/XX/XXXX. They 're suing me for a debt dating back to XX/XX/XXXX in the amount of {$720.00} on behalf of XXXX. I disputed this account with all 3 major credit reporting bureaus on or around XX/XX/XXXX. All three bureaus deleted the item from my credit reports after their respective investigations. I filed the disputes after noticing that the amount was incorrect and that they seemed to be charging interest on an old debt. I am now looking into legal aid for what steps to take against them as they seem to buy old debts that are at, near, or past the Statue of Limitations for collections and then file lawsuits to try and collect.

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 2021-11-24
Company: EQUIFAX, 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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX -open XXXX XXXX XXXX Balance Owed : {$470.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$61.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXL XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, The XXXX submitted two fraudulent charges to my Wells Fargo Bank checking account. One was for {$1500.00}, the other was for {$180.00}. I do not have a business relationship with The XXXX. 

The charges appeared to be somehow related to XXXX ( the XXXX XXXX XXXX XXXX ). I notified both Wells Fargo Bank and XXXX. 

See the attached screen shot of my bank 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 2019-04-02
Company: Experian Information Solutions 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:
There are several items reporting on my credit file that does not belong to me. I need your assist in getting these items removed. The following items is reporting on my credit report as a result of fraud : XXXX XXXX   - reporting on my XXXX report XXXX - XXXX - reporting on my XXXX report Unauthorized Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX DE XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On the consumer report, there is incorrect information and fraud accounts that were made without my consent. They were multiple inquiries that were without 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 2019-09-02
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/2019 I used Experian credit XXXX XXXX to raise by credit score by linking by bank account. My regularly paid bills such at internet, cell phone and utility bills helped raise my score. this raised by score 39 points. I deleted the connection and my credit score was lowered. I attempted to reconnect my bank account and was denied and have been denied since, today is XX/XX/19.. I entered my bank account information, website, address etc. I sent numerous inquiries to Experian about being denied the XXXX XXXX. I continue to be systematically denied a service that can increase my interest rates on credit cards and my recent installment car loan on XX/XX/19. Because I'm a member of XXXX XXXX XXXX Experian has systematically denied me the right to have services that will increase my credit score thereby giving me access to better interest rates. As a result I'm subjected to predatory business practices that have increased my interest rates on my car loan and credit card. I'm being treated unfairly and discriminated against because I'm not a member of a certain banking group. Systematic discrimination practices by Experian not to offer me the benefit of using their XXXX XXXX  has cost me thousands dollars more on my recent car loan. This is unfair and illegal! I want to be made whole.

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: 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 recently filed a complaint stating that there were inaccurate data being reported by the bureaus. They claimed it was verified. I requested that proof be provided from the bureaus showing their method of verification as well as any evidence to support this claim. I never received anything. I have attached copies of recent credit reports showing different information being reported between two bureaus for the same account. This is a blatant violation and proof that the information was not verified. I have given more than the time allowed by FCRA laws and will sue if I am left with no other alternative. This must be updated per my request to remove the late payments and reflect paid as agreed immediately.

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 2018-01-15
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been purchasing Experian Credit Check and ID Monitoring through XXXX since XX/XX/XXXX. 

My last credit event was in XX/XX/XXXX. My Credit score changed on XX/XX/XXXX with Experian to XXXX. With no increases or purchases ( and payments made timely ), my score changed on XX/XX/XXXX to XXXX. I was waiting for an increase of score because ( 1 ) I have paid timely over six months, ( 2 ) the holidays were over with no new purchases ( except XXXX which is in it 's XX/XX/XXXX cycle ), and ( 3 ) I am paying off a credit on XX/XX/XXXX, which has a balance under {$900.00}. 

I have had no new inquiries or bad reporting events since XXXX XXXX when interest pushed me over the limit on a XXXX XXXX account. I discussed it with XXXX XXXX. 

I am currently attempting to relocate to my home state of Texas, and I will need to purchase a house. I am building from having to pay off a co-signed obligation in XX/XX/XXXX. I have watched score go up and down and was able to identify the reason until today with Experian. 

I received notification this morning dated XX/XX/XXXX that my score has been updated. It dropped 30+ points to XXXX with no reason. The last alert was a change of address. The dashboard also advertised to buy a 3 agency report. 

I immediately called Credit Check and ID Monitoring. The representative tried to give the XXXX formula speech. I explained over and over that my score had changed and absorbed issues she was seeing. She giggled about the situation. I told her, I would see what FTC has to say about the situation. 

I pay monthly to monitor my report through this service. I should not be given a requirement to purchase a 3 agency report. 

This action can block my ability to purchase a home with NO rationale or evidence. This means Experian is playing with my life. This should not be a power of a company that can not show ethical and accurate information. 

The representation of this company is untrained and limited in empathy and education of the formula. 

I suspect this is a beginning of XX/XX/XXXX move to increase revenue for the company by making current participants pay extra by changing scores for no reason.

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 2018-01-15
Company: Navient Solutions, LLC.
State: NY
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:
Navient overcharged the interest rate for the year. The interest paid was well above prior years despite a lower balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my home and escrow wired a payoff to XXXX   via loancare. The wire was confirmed received on XX/XX/XXXX. On XX/XX/XXXX XXXX took out another mortgage payment from my checking account and then transferred my loan to another servicer, XXXX. I called XXXX to ask why was another payment taken out after my loan had been paid off the previous Friday. They said they only show the payment was received and that the loan was transferred. I then called my escrow company and they said the wire was not returned. I then called XXXX and they said they have no info of my loan to call back in 7 days. I am now missing $ XXXX approximately of my payoff monies, an additional {$1900.00} out of my checking account and my home is no longer in my name. I am sure RESPA requires XXXX to account for the monies that were wired to them on XX/XX/XXXX. XXXX refuses to provide me any info and simply tells me to call XXXX. No one knows where the $ XXXX went. I would believe this is in violation of RESPA law whereby servicers are required to account for all monies and be transparent.

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 2020-05-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To add to the other complaints after my son spent over a year trying to become the successor this letter was received from a XXXX XXXX of Bayview. This was done after almost 19 months of trying to get it done. Now since I am the husband and was the one looking to become the successor they put it in the wrong name. Just another comedy of errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: NJ
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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX Account has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a {$1000.00} loan onXX/XX/19 from Big Picture loans. I have made three payments of {$170.00} onXX/XX/19,XX/XX/19 and XX/XX/19. My principal balance as of today is {$1000.00} - MORE than borrowed in the first place and that's after three payments!

I began looking into it and I was informed that Big Picture Loans is not licensed to conduct business or offer loans in my State and that the fees and interests are not within requirements for Washington State lenders. Per the Washington State Department of Financial Institutions ( DFI ), Washington State residents are informed that Washing State law provides in RCW 31.45.105 ( 1 ) ( d ) and ( 3 ) that a small loan made by an unlicensed entity to a person physically located in Washington State is uncollectible and unenforceable in Washington State.

I contacted Big Picture Loans on XX/XX/ revoking ACH authorization and also contacted them againXX/XX/19 notifying them that they are not licensed in my State. I advised that I am willing to repay the principal balance of the original loan amount. Noting that with three payments of {$170.00} already made, I had paid {$530.00} leaving a balance of {$460.00} which I am willing to pay in one sum on XX/XX/XXXX. 

The company responded to this with the following " settlement offer '' : Settlement Offer Current Amount Due : {$1000.00} Number of settlement payments : 8 Settlement Payment Schedule : {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 Payment Method : ACH This is still paying back far more that loaned at fees/interest that are unacceptable and not legal through the State in which I reside and whose laws I am bound to in addition to federal laws.

Company response to consumer: Closed with explanation