BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-27
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: Account status incorrect

Complaint:
I submitted previous disputes with XXXX with in correct information pertaining to 2 accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with inaccurate dates open of account, account status, date of last activity after account was closed for more than 3 years and XXXX refuses to conduct proper investigation. I have enclosed more than 2 credit reports and 2 letters to XXXX to request investigaiton to have accounts removed due to not being 100 percent accurate and failure to reinvestigate.

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 2020-02-07
Company: Experian Information Solutions Inc.
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I first noticed a fraudulent charge of {$19.00} to my XXXX   XXXX XXXX credit card. This charge was from " Experian Credit Report ''. I have never used Experian for any matter and NEVER authorized them to charge my credit card {$19.00}. On XX/XX/XXXX I cancelled that particular card and XXXX  XXXX XXXX issued me a new card that I received overnight mail on XX/XX/XXXX. With the new card I requested any new attempts by Experian Credit Report to charge on any account to be declined. 

Experian Credit Report as repeatedly attempted to charge my NEW credit card a recurring fee of {$19.00}, this they attempted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again today XX/XX/XXXX. 

I have exhausted all attempts to contact this business as I can only speak to a recording unless I give them my full name, date of birth, social security account number and my current address. This will never happen. 

Again, I have never used Experian Credit Report, never authorized Experian to charge my credit card. I only want them to stop their fraudulent attempts to charge my account. 

Respectfully, 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 2021-04-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
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:
This company has reported a collection account on my credit report and refuse to remove it. I know nothing about the company or the account they are talking about. Ive never heard of them before and do not owe them anything. I never received and services or had any account with them. I have called to fix this with them directly and they stated its a medical bill, this is a violation of HIPPA regulations. It also may be mistaken identity I am a JR. my father has the same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
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:
I HAVE REPORTED MANY TIMES THAT MY SSN WAS PROVIDED TO ANOTHER PERSON, MY NAME DIFFERS FROM THE ONE IS THERE AND I HAVE COLLECTIONS THAT DOES NOT BELONG TO ME. THIS PERSON HAS A ID TEXAS CARD BUT IT IS NOT ME. I HAVE REQUESTED MANY TIMES TO INVESTIGATE ON THIS MATTER BUT NO ONE DOES IT AND IT HAS AFFECT MY CREDIT SO BAD. THE ONLY CREDIT I EVER HAD WAS A CREDIT CARD PAID OFF TO XXXX XXXX. AFTER THAT I NEVER USED MY CREDIT FOR ANYTHING, I AM UNABLE TO GET ANY TYPE OF CREDIT AND I AM A DISABLE PERSON, UNABLE TO BUY A CAR OR A HOUSE OR ANYTHING.

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 2020-11-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I paid the student loans off in full XX/XX/2020. XXXX XXXX reported to my credit a new consolidated loan and it's not accurate. I never signed any documents to consolidate the loan. I have copies of the cashier check and a receipt from the Student Loan department showing full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax sent an email X/X/17 that the results of my dispute were available for viewing online but every time I try to view it the system is down for maintenance. It has been this way for days. Furthermore I am unable to submit a new dispute or check the status of an existing one online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Lennar Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To Whom It May Concern, Thank you for taking the time to review this formal complaint against Lennar Homes, Lennar Mortgage, and Lennar Title for fraudulent, dishonest, and misleading information in my home purchase and mortgage process. 

I purchased a new construction townhouse that was built by Lennar and located at XXXX XXXX XXXX ; XXXX XXXX, FL XXXX in a community called XXXX on XX/XX/XXXX. 

During the home purchase process, in the Closing Disclosure, and beyond, we were provided inaccurate figures for HOA and neighborhood dues that would have changed my buying decision. I would have purchased elsewhere if I would have known the full scope of the fees. These are the fees that were disclosed to me : Club membership : {$3700.00} one-time fee Yearly Community Development District Fee : {$160.00} monthly Homeowner 's Association dues for townhomes : $ 240 monthly Homeowners Association dues for lagoon maintenance : $ 100 monthly In addition to these fees, there was a $ 115 monthly fee ( which has since increased to $ 187 monthly ) that was never disclosed to me. 

When my husband and I went to get the amenities keys from the neighborhood amenity center, the associate on staff asked us to meet the director. The director told us that they would not provide us with amenity keys because we did not make a payment. We told her that we did the HOA payment, but she told us the missing payment had nothing to do with HOA. There was an additional {$180.00} per month payment for amenities that we were never informed of ( it was {$110.00} in XXXX and increased to {$180.00} in XXXX ). 

The director told us this fee was mandatory whether we had been informed of it or not, and she took our credit card details. 

We were totally surprised as we at no point were informed about this monthly {$180.00} payment by the builder, mortgage company, or title company - all of whom were Lennar.

We honestly already thought the fees were extremely high and would not have bought this property if we would have been informed about the additional funds we are having to pay now. This is adding a financial burden on our family.

With Lennar being the builder, lender, and title company, I don't know how we would have possibly known about these additional fees, and that is truly fraudulent, dishonest, and misleading on their part. The director at the neighborhood amenity center said that other Lennar customers are facing the same issue, and they have left the amenity center crying and upset. 

I've attached supporting documentation for this. I was under the impression that all fees have to be disclosed in advance, prior to closing. Would you please advise if this is the case? If so, how can this be rectified financially with Lennar? 

Thank you, 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 2020-01-29
Company: EQUIFAX, INC.
State: IL
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:
file ftc report on fraud account ftc report number XXXX sent to all three credit buearu they removed account from derogertory and placed it as closed but derogertory would like account removed and blocked company name XXXX XXXX DATE OPEN XX/XX/2015 AMOUNT THEY SAY I OWE {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This has been going on for at least 1 month, if not longer. I ALWAYS input the same information on my credit report to get access, including the confirmation numbers they give me, this is the latest one - XXXX. Tells me the same thing all the time, " The information does not match our records ''. Now, keep in mind, I am going by the credit report they send me with the confirmation number that has been PROVIDED by Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: JPMORGAN CHASE & CO.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
on or about XXXX XXXX i purchased product online and unknowingly signed up for card. I paid for purchase but Chase card co. charged me XXXX bucks and now plus fees and interest, I AM NOT PAYING IT and I have told them so, I have cut up the card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
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 fraud alerts or security freezes

Complaint:
I have the TransUnion app that allows consumers to place freezes on their credit file when the are not needing to apply for credit. I recently applied for credit and it says that transunion can't determine if there is a freeze on my account or not. It provides a toll free to call. I have called the number several times and when trying to use the toll free line to remove the freeze it says there is no freeze on my credit file. When I speak to a representative they a telling me that my account is being handled by a specialized fraud prevention team or department and they are the only ones that can access my file. This department they're telling me is not operational at the time. This is putting an undue hardship on my the consumer. The company I am applying for credit with using Transunion services and will not extend me credit or allow me to open an account until they receive my report from Transunion. I have never contacted by transunion giving me any indication that there is suspected fraud on my file. Furthermore, I have recently pulled my report and they have my name address, email address and phone number and all is corrected. If they suspected fraud on my account why has no one contacted me. I have also pulled my report and the information is correct with the exception of a few late payments which I plan to dispute. I need this resolved as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: LoanCare, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A CALLER THAT SHOWS UP ON CALLER ID AS " LOANCARE SERVICES '' REPETITIVELY CALLS THE ECLECTIC POLICE DEPARTMENT. THERE IS NO ONE ON THE LINE JUST A RECORDING THAT STATES " PLEASE RETURN OUR CALL AT XXXX. TODAY ( XX/XX/2019 ) THEY HAVE ONCE AGAIN CALLED 3 TIMES. I HAVE CALLED MULTIPLE TIMES AND ASKED FOR THEM TO REMOVE THIS NUMBER. I HAVE NO CLUE WHO THE DEBT BELONGS TO BUT THEY WILL NOT REMOVE OUR NUMBER WITHOUT THE PERSON WHO OWES THE DEBT CALLING TO REMOVE IT. THIS IS XXXX! THEY ARE TYING UP AN IMPORTANT PHONE LINE!!!

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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX/DEPT OF ED : XXXX -- -> : {$1800.00} XXXX/DEPT OF ED : XXXX -- -> : {$3300.00}

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 2017-12-08
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: Account information incorrect

Complaint:
The account below is paid off. 
XXXX XXXX Last reported : XXXX XXXX, XXXX {$51000.00} Good Overview You 've paid off 1 % of the original amount. 
Balance {$51000.00} Highest Balance {$52000.00} Monthly payment {$1000.00} Opened XXXX XXXX, XXXX ( 2 mos ) Term 72 months Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Open Type Automobile Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0

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 2020-05-08
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hi, I used and applied for a American Express Delta Skymiles card and the advertised offer was bonus points if {$1000.00} US dollars were spent within 3 months. I found out after 4 months of using the card and spending over {$1000.00} that I was not approved for the bonus points and Amex claimed that the decline was sent to me directly after applying, but I never received the message via internet on my approval application. This is fraudulent and false advertising and Amex should be held responsible and penalized for false advertising. They are tricking people into opening a credit card and spending money, when they do not honor their incentives for opening a credit card. 

Thanks for holding this multi-national corporate responsible. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
TransUnion has intentionally made it difficult for their user to cancel there subscription : 1. there is no entry to un-subscirbe 2. there use to be an faq regarding unsubscribe but they now remove it 3. support call been redirect to automatic machine, with no option to unsubscirbe After repeated request they will eventually cancel 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 2021-11-30
Company: Advance America, Cash Advance Centers, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I took out a payday loan from Advanced America for the amount of {$150.00} which added up to {$170.00} after taxes and fees XX/XX/XXXX from a XXXX XXXX XXXX account. 
On XX/XX/XXXX, I found out the Advanced America had stolen {$280.00} from my XXXX XXXX  account, an account that I did NOT give them account information for and did NOT give Advanced America legal authorization to access. 
Not only did Advanced America steal money from an entirely unrelated bank and fairly new account, but they also increased the debt by 65.88 % which is more than double the amount of the original loan. 
Then, via their website, Advanced America are STILL expecting a repayment of {$170.00} even after illegally removing {$280.00} from an account that they were never given information for or access to. 
I'm in the midst of finishing up repairs on my house, and this unexpected, unauthorized, and illegal money grab is putting me in more of a bind because I was blindside by said expense. 
Even according to their own website, I have NO bank accounts connected to my Advanced America account, and without prior consent for that particular account, Advanced America illegal accessed funds from a separate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Ernst, Ernst & Artmann, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Still in credit report i want file disputes credit this debt not my this not my fault

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX there has been NOTHING done or said bout fixing the PMI issue

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 2021-02-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.

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 2020-02-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
These are not my accounts and included a document that shows I don't have a bankruptcy. Please remove all damaging accounts from my credit profile. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
These are not my accounts and included a document that shows I don't have a bankruptcy. Please remove all damaging accounts from my credit profile. Thank you.

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 2020-02-07
Company: Experian Information Solutions Inc.
State: NY
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:
as previously stated, I am a victim of identity theft

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 2020-11-16
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: Account status incorrect

Complaint:
I paid the student loans off in full XX/XX/2020. XXXX XXXX reported to my credit a new consolidated loan and it's not accurate. I never signed any documents to consolidate the loan. I have copies of the cashier check and a receipt from the Student Loan department showing full payment.

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