BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 explanation
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been the victim of identity theft and have been in the process of removing all fraudulent items. Here is a list of the remaining fraudulent inquiries : XXXX XX/XX/XXXXTransUnion XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX TransUnion XXXX   XX/XX/XXXXTransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXTransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
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: Information belongs to someone else

Complaint:
I have been the victim of identity theft and have been in the process of removing all fraudulent items. Here is a list of the remaining fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX CARD XX/XX/XXXX XXXX  XXXX  XXXX   XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX CARD XX/XX/XXXX XXXX XXXX CARD XX/XX/XXXX Equifax XXXX CARD XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX disconnected my T.V cable without notice. I never received a bill from them. I called them to to pay the bill and to let them know i've never received a bill nor any notifications online. To reconnect the cable i had to pay way more i was informed, so the technician can re-install XXXX XXXX and it wouldn't be connected right away.

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 2023-02-22
Company: EQUIFAX, INC.
State: NJ
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Please don't ignore my request to correct the following items 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: ERC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX {$160.00} ENHANCED RECOVERY COMPANY XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXX SERVICES XXXX XXXX XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$560.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$620.00} ENHANCED RECOVERY COMPANY XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX ADDRESS {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted certified letters to XXXX XXXX, and Experian advising I've noticed violations under 15 us code 1681 and 15 us code 1681b ( FCRA ). The following accounts were inaccurate. I have not received any correspondence that the investigation has been completed or documents with signature.

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 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 called XXXXXXXX XXXX to let them know I refinanced my loan before XX/XX/XXXX. They were to receive the total mortgage balance from XXXX XXXXXXXX XXXX, my new lender. They received the total amount and still marked my account as delinquent. I have never paid my mortgage late as you can see in my report. I would like XXXX to fix this asap as this hurts my excellent payment history.

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 2020-11-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX I applied for a loan with with XXXX XXXX Personal Loans. They ran a credit check and I was denied. The feedback they provided is, 'APPLICATION INFORMATION DOES NOT MATCH CREDIT REPORT. ' The denial email indicated I could call Equifax. I did. The first time the call took 14 minutes and while researching my information the representative disconnected.

The second time the call took 34 minutes. The representative was able to confirm the issue is my physical address. I moved to my current residence at the beginning of XX/XX/XXXX and immediately updated my employer, bank, investment company, and changed my drivers license, wrote a letter to my recently paid off loan institution ( car loan through XXXX ), all credit card companies ( 4 of them ) as well as all other important services. 

While on this 34 minute call I asked to speak with a supervisor. The representative was unable to connect me with her supervisor and was combative and repetitive with no interest in problem solving. While on with her I opened a chat with my bank XXXX XXXX XXXX and was able to confirm they have had my address correct but they couldn't provide a date they would have notified credit agencies. 

I am a bit at a loss. I do not feel it is my job to notify a credit agency of my legal address - this is the kind of verification they are responsible for keeping accurate records of. They offered me only fax or physical mail ( with a 3 day to multi week timeline on updating my address ). In these uncertain times that is both out of date and unsecure and well as inexcusably inexpedient. 

I will be working with a lawyer to assemble a packet of documentation which in no uncertain terms clarify my address and will be physically mailing it to Equifax. Welcome to XXXX. 

I will be collecting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A few months ago i noticed that i had a bankruptcy reporting on my credit report. I did some investigation and found out that my mother had filed for bankruptcy. I disputed the bankruptcy with all 3 bureaus and only 1 bureau took it off. XXXX and equifax did not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had over 20k taken from my Chase account back in XX/XX/XXXX due to 3 fraudulent check ( s ) that were written and I was told that they would not reimburse me for the phony check. The check was not a check we wrote but was created and cashed by someone who had access to a previously written check and duplicated it. Even the check number was inaccurate. I am shocked that they are denying this claim as it is clearly check fraud. I need them to reimburse me for something that is clearly not our fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX account # XXXX 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 an account without my written instructions They are not able to provide me original contract with my signature, also this account has reached statue of limitations and should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Acra Intermediate Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've asked XXXX XXXX and XXXX XXXX in writing to stop emailing me several times. 

XXXX : XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX : XX/XX/2023 I told them I would report them but they continue to spam me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: T.S. Holdings
State: NC
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:
Debt is damages from an apartment complex we lived at for XXXXXXXX XXXX. Apartment charged us for full replacement without reducing for depreciation and charged for things that are illegal to charge for. I communicated the law to them with links to the government sites that stated what they could charge for and that certain items had to be depreciated. I asked for receipts for the repairs they billed us for and they refused. They told me my only options were to pay, setup a payment plan, or they would send me to collections. I continued to dispute the amount with them and they responded by sending me to collections and refusing to communicate any further with me. I sent a letter disputing the debt to IQ Data Corporation ( the debt collector ) which they acknowledged receiving and said they would get a judgement against me for the debt. It has been over a year since they communicated that and nothing has happened while my credit has continued to be damaged by the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan allows a prepayment of 20 % per year without penalty. In XX/XX/XXXX of this year I contacted the mortgage servicing company, Shellpoint to clarify the exact amount of prepayment within the 20 % margin. The phone rep said she would forward the request and I would get an answer within a week. Several weeks passed with no contact. Then in earlyXX/XX/XXXX I called again and the rep recommended I just make the request on line. So on XX/XX/XXXX I accessed the Shellpoint website and requested the prepayment amount on the loan. A week later someone forwarded me a copy of several pages of the original loan that cover the 20 % prepayment allowance ( attached ) but again no dollar amount was provided. The next day I called again to request a specific dollar amount and again the rep said they would forward the request. Several weeks passed again with no contact. I called again on XX/XX/XXXX and this time I wrote the rep 's name ( XXXX ) who also promised to submit the request. She said I should get the dollar amount within 5-7 days. After no follow up contact I called one final time and spoke to XXXX who said she would pass the concern to her supervisor named XXXX. I have not been contacted since. This is ridiculous and unacceptable. Just asking for 1 simple dollar figure and nothing more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXXXXXX XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX XXXX : {$37000.00}

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 2020-09-21
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I appreciate your help with the spirit of the Cares Act. This issue I have with a mortgage loan with BB & T Bank and applied and received a forbearance for their home mortgage. In the Cares Act it states that when borrower request to end forbearance and begin making the mortgage payments that the lender / service provider : By extending the term of the loan for some amount of time to pay back the missed payments. For example, if provided a six-month period where you dont make a mortgage payment, your mortgage servicer could add six months of payments on to the date when the loan is scheduled to be paid off ( the maturity date ). This would be one form of a loan modification. BB & T on XX/XX/2020 sent letters that they will be able to provide this type of loan modification. Now at this time after talking with BB & T today they are not making this loan modification but they asking for lump sum payment and no loan modification as mentioned before. I was informed this is a recent policy change that affects all home mortgages in forbearance. I have ask to speak to a manager to clarify this and to receive documentation to this effect and still waiting for a reply. BB & T is a local institution and I am requesting someone to reach out to them from your office to discuss this policy change that goes against the spirit of the Cares Act and puts undue burden on anyone in mortgage forbearance.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2018-12-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
While working to close on a house, I received an email from an individual I thought was with my closing company along with another email address that appeared to be my realtor 's email address asking about wiring money for closing. After a few emails back and forth, I wired the money per the instructions provided due to email representing my realtor looking legitimate. The wire transfer occurred on XX/XX/18 for {$44000.00}. The wire went between USAA and XXXX  XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
on XX/XX/2020, I hired a moving company to move my things from my about to close home to storage. I was advertised several things, including that paying extra for more movers would save me time, and so would also be cheaper. So I paid for 2 extra movers. The first issue was the truck needed for the move wasn't available, so they came with one too small. The second issue was of the extra movers, at least one of them was their very first day at the job, and wasted a lot of time learning what to do. In short, this is the second time I used these movers but the move took more time, and costed more to go to a storage facility XXXX miles away, than my multi city move with the same company which was over XXXX miles, and half the amount of movers. It was late, I had to close the home and return the keys to the real estate agent, so at the end I had other things to worry about and paid. 

Naturally I tried to discuss this with the company, and the same manager who promised me all this cost savings and efficiency refused to make amends, trying to sell me a discount on my next move instead of fixing my current move. At one point I finally just got ignored, email wasn't replied for several days, I even sent a second email that still received no reply. At this point I decided to turn to American Express, as it was their card that I paid the service with.

I opened a dispute, no one called me, and shortly it was denied. I never was given an explanation, I never had anyone call me for details as I've had with my Visa credit card in the past so I opened a XXXX  complaint. The complaint went nowhere, they reopened the dispute, and shortly denied it once again, someone at corporate called and gave me a lazy answer of something along the lines of " because I received the service, I can't dispute it '' no matter how terrible the service I requested was. I even demanded in email for my legally obligated documentation of why I was denied and a chance to repeal it, and I never got a reply back. I tried to reopen my dispute, and even contacted XXXX again. At that point they seemed done with me so they closed the dispute, charged me for the disputed amount, and closed the XXXX  complaint and left it as " customer dissatisfied. This is possibly my last option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Norwich Commercial Group, Inc.
State: CT
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 called XXXX XXXX to let them know I refinanced my loan before XX/XX/XXXX. They were to receive the total mortgage balance from XXXX XXXX XXXX, my new lender. They received the total amount and still marked my account as delinquent. I have never paid my mortgage late as you can see in my report. I would like XXXX to fix this asap as this hurts my excellent payment history.

Company response to consumer: Closed with explanation