BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried numerous of times to block the following inquiries from fraudulently reporting on my credit report. My next step after this will to be filing a law suit on the companies as well as the agencies that's reporting the following inquiries, XXXX XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/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 2017-12-09
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:
TransUnion is allowing an Illegally operating XXXX XXXX XXXX to submit information to my report. They have allowed XXXX XXXX XXXX to submit a derogatory remark to my file. This is an unverified item from a company that is not even licensed as a legitimate XXXX XXXX XXXX in the State of Texas. According to Section 392. 101 of the Texas Finance Code, it is illegal for a third party collection agency to pursue a debt without being properly licensed and bonded in the state of Texas. XXXX XXXX XXXX is not licensed or bonded in Texas and the proof is attached.

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 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-07-02
Company: Collection Bureau of the Hudson Valley, 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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, XXXX the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian continues to abuse consumer rights as stated by FCRA law by placing fraudulent information on consumers credit files. On top of that they are writing false consumer statements again not made from me the consumer. I am a victim of identity theft. Experian opened account disputes unblocked XXXX XXXX XXXX XXXX XXXX account. Line of Credit that was opened at a fraudulent address, again Experian also stated I cant dispute addresses related only to this fraudulent address. In addition they unblocked XXXX XXXX XXXX XXXX accounts two credit cards. They put a consumer statement which again I never made or added. Stating my cards were used fraudulently without my authorization. Again this is abuse because I never added that statement since these cards were not ever received by me. I never got any credit cards from XXXX XXXX XXXX XXXX. Never even obtained membership there. I never added this statement. The account credit limit is discrepent to what this credit union is stating. These accounts are fraudulent and should remain blocked as they were only opened after the thief stole my identity. As stated I never opened these accounts. I never received any cards from these accounts. Never even knew these existed until I see them show up on my credit report.

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 2019-09-08
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 is missing that should be on the report

Complaint:
I would like to dispute and have remove a XXXX XXXX account on my credit report with a balance of XXXX listed on my experian. This Account is inaccurate and is missing many months of reporting I have disputed This Item several times however it continues to be verified as accurate.

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 2020-11-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have sent all legal documentation including police reports. Doe some reason the only reporting company that has fixed anything is XXXX. Equifax and XXXX have refused to follow legal obligations. I have complained several times and all they do is dispute accounts that legally have to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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:
MY EQUIFAX CREDIT REPORT # XXXX SHOWS ACCOUNT # XXXX AND ACCOUNT # XXXX WITH NO CLOSED DATE AND BALANCES ARE NOT RIGHT. I HAVE SENT IN MANY DISPUTE LETTERS AND IN RETURN ALL I GET IS IT HAS BEEN VERIFIED. ALSO 2 ADDRESSES ARE REMOVED AND THEN THEY RE APPEAR

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: SYNCHRONY FINANCIAL
State: PA
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 a line of credit through Lowes. The account was delinquent due to COVID issues. The creditor told me that as long as the account did not go past 90 days it would remain open after the past amount was paid. They did not honor that. I made the payment of everything that was showing due between 30-90 days and they closed it. ( payment was made on XXXX still showing nothing in the 90+ day due and it was closed on 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 2018-05-24
Company: AMA Advisors, LLC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Not that I expect the current management of the CFPB to do anything about this, but I wanted to register my complaint. 

I have a mortgage with HomeBridge Financial Services and I was notified of a loan transfer by a letter mailed regular mail that on XX/XX/2018, that as of XX/XX/2018 they would no longer accept payments on my loan. Obviously, I did not receive the letter in time to do anything about it and immediately set about making sure that future payments would promptly be made to the new servicer. 

Based on the language in the letter, I simply assumed that they would transfer the funds to the new servicer. Instead, the funds were returned to my account, apparently without notice or comment. 

I understand that the new servicer will be unable to charge me a late fee, but I wanted to register my chagrin at the thoroughly unprofessional way that this was handled. Despite, the anti consumer bias of the current administration, I can hope that regulations are put in place that prevent this kind of thing for future customers of HomeBridge

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 2019-03-28
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
XX/XX/2019 Store Purchase XXXX XXXX XXXX  XXXX XXXX ADDRESS NOT AVAILABLE, XXXX XXXX SHOPPING Edit {$200.00} Transaction ID : XXXX - ( {$200.00} ) XXXX Store Purchase XXXX, XXXX, NC ON HOLD - {$3.00} I did not make these purchases but American Express / XXXX will not provide a provisional credit for these amounts until issues are resolved. I'm legally XXXX and can't purchase life saving medications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent a letter to them telling them that this is a false bill. The bill is erroneous and they are not ready to correct the bill. They have refused to provide me with any information about the medical treatment that was provided or what services were related to this charge. I have full medical coverage and they are trying to mint money out of me.

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 2018-05-24
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last XX/XX/XXXX, I sent a request to CMRE to investigate on account XXXX. It's been more than 30 days now and I have not received any proper debt validation documents. Moreover, After more than 30 days, what CMRE did is add another account to my credit report, reporting that the account was opened/sold to them last XX/XX/XXXX with a balance of {$290.00}. Both the newly added account and account XXXX seems to be OUT OF STATUTE and had been inserted on my credit report after the statute of limitations expired. I understand that they can report accounts for seven years, but it is a violation to report/insert an account after the statute of limitations. Furthermore, more than 30 days have passed and the XXXX was not able to provide proper debt validation documents to prove the validity of these items. They definitely violated FCRA and FDCPA. This is my last resort before I get a legal counsel involve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THEY ARE REPORTING 90 DAY TO 120 DAYS LATE 3 TIMES I TRY REACH OUT TO CORRECT THE PROBLEM WITH NO RESULT THEY GOING FROM PAYING ON TIME TO 90 DAYS LATE AND IS EFECTING MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Merchant is determined to be a fraud, a chargeback was filed against the merchant.. merchant refuses the chargeback used the first correspondence with them painting this a case of buyer remorse which it is not. Its a clear case of bait and wait scamming. With a mountain of data to prove my case Also Collusion with XXXX in terms of charge back prevention. 

The Bank however will not accept any documents proving my case.. I am getting a different bank and would leave them hanging with the {$99.00} if it weren't for event tickets I have connected with my account .... I can not upload data, can not get this addressed.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.

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 2020-11-13
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was forced to sign an IRS document sharing information between the IRS and discover card. I am not legally obliged to do so, and they forced me to close my accounts. They closed my online and app accounts ( on phone and mobile ) and did not allow me to make any further purchases. Being left in the dark for two weeks, I then had my account closed for no reason. They say it's a " business decision. '' I then have to call in, and the people I spoke to are not even the same team who closed my account. The only way to get in contact with them is by mail. My credit score was also hit due to closing an account on my record. It is absolutely terrible business practices coming from Discover Card. 

I will follow through and hopefully bring Discover Card to a small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Netspend Corporation
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had sent my my friend some money to his account from my Netspend XXXX XXXX by XXXX XXXX XXXX XXXX. I filed a duplicate payment dispute and they denied my claim but then they still deducted from my friends account in which his account then became negative. I have not been credited to my account any money, netspend said I would not get any credit but they still took money from my friends account and wont put it back. I have talked to them but I am getting nowhere with netspend. If they aren't giving me the credit then they need to give my friend back his money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. CHAPTER XXXX BANKRUPTCY FILED XXXX XX/XX/2020 {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX located in XXXX, NY billed for an ambulance charge. Submitted my insurance information several times and they refused to bill insurance. The put me in collections with Wakefield and Associates. I put in a complaint with XXXX XXXX and they finally submitted it to my insurance and the bill was paid in full but my credit report still reflects my account in collections and unpaid. I tried communicating with both companies and they blame each other. Tried to dispute it with the credit bureau and they refuse to remove it even when I show proof that the claim was paid.

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 2018-04-04
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: Their investigation did not fix an error on your report

Complaint:
It is very important to note that I am a victim of identity and this company fails to take this into account. I first disputed this on XXXX and sent over all the documents to verify my claims but to my surprise, these company still reports these fraudulent or linked to fraudulent activity accounts. 

I do hereby declare my intention to sue however, I will greatly appreciate if we can do away with the legal battle and have this good office do the following : ( 1 ) remove any and all misleading personal information items, ( 2 ) update and correct the accounts that Ive stated in the attached letter, ( 3 ) remove/delete the other accounts that are not mine and which I have absolutely no knowledge of, or are unverifiable, incomplete, and obsolete. 

Among the particular items of focus is the reporting of the following : 1. ) XXXX CARD ref # XXXX late payment history incurred due to fraudulent activities on this account. 
2. ) XXXX XXXX XXXX ref # XXXX -- - this is not my account. I am not liable on this account. Delete this from my credit report.

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 2021-06-09
Company: EQUIFAX, INC.
State: TN
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:
NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I am in need a receipt for the wire transfer that I completed over the telephone with SunTrust Bank. I was unable to do the wire transfer in person at any of the SunTrust bank branches near my office because all of the mangers were on vacation and no one was authorized to do a XXXX wire. I had to do my wire transfer over the telephone and after doing the transfer I was instructed that in order to get a receipt the branch that signed me up would need to sign me up to receive notifications. I then called the branch, the branch transfered me to customer servicie and customer service then transfered me back to the branch. The branch manager was extremely rude and stated she could not help me. No one had any information for me. I need a receipt for this wire that shows what account the money went to. My confirmation number is XXXX. The branch was the XXXX XXXX in XXXX Georgia that refused to assit.

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 2020-08-26
Company: AMERISAVE MORTGAGE CORPORATION
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Amerisave is disfrauding customers. Their apy is not comparable. The loan disclosure revealed fraud. They are only accounting for 6 months property taxes compared to others which are using 12 months. This decreases their apy and allows them to defraud shoppers making it look like closing costs are lower. They then increase points giving them more money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation