BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-05-29
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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
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:
My account was transferred from XXXX XXXX to SPS in XXXX XXXX. Due to unforeseen circumstances, I requested a deferral for the months of XXXX - XX/XX/XXXX, with the first payment set for XX/XX/XXXX on automatic draft. This request was fulfilled and I was informed by the agent that I would not have a late fee reported for the months of XXXX, but yet I had a late fee reported to the credit bureau. This late report with a new mortgage company is impacting my ability to refinance my primary mortgage and consolidate my loans/bills. It is also impacting my FICO credit score of which I am working diligently to improve. 

I would like the report removed and a letter in writing from the company so that I can continue to repair my credit and improve my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I am an American Express Serve card holder, and Im currently having problems with direct deposit. Several other customers are having the same issue and the company os offering us absolutely no details and have had the same response for days. Ive been hung up on by customer service reps, told multiple different etas as to when I will get my funds, and jus been treated with the impression that the company does not care. All the have offered any of the customers is template responses that change every few hours. We all have bills to pay and this company is holding all of our money with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a conventional loan with loandepot and want to refinance. For that, I have been trying to get payoff statement but being denied the statement. I have emailed to the customer services as well as tried to contact the phone number provided but no one respond to the numbers or not able to reach customer service. Bacause of that my refinance application is being delayed unnecessarily and causing me financial loss in the form of higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Flagstar Bank, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a new checking account in XX/XX/2019. When I opened the account it was disclosed that I would received a fee every month to receive a paper statement, but I could opt out of paper statements once I registered my account on the bank 's website and signed up for online banking. I signed up for online banking the same week that my account was opened. However, on the website, I was not able to opt out of paper statements. I contact the bank, via phone and email and was told there was a technical problem, and the bank was aware of it, and was working on it. Each month, the bank has charged me a fee for paper statements. However, because of a technical issue on the bank 's end, I do not have the option to opt out of paper statements. I have called or emailed nearly every month since and been told the same thing. The first 2 months the fee was waived after I called and explained the situation. Now I am being told the fees can't be waived any more, even though the error is on the bank 's end. I have asked repeatedly for either the option to opt out of paper statements, or if the error can't be resolved than to stop charging me a monthly fee. Neither has happened after 7 months.

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2021-03-26
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
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 was laid off from my full-time job in XX/XX/XXXX. After significant job seeking activities and interviews, I received a verbal offer of full-time employment by a hiring manager with the federal government in XXXX of XXXX. However, due to the COVID-19 pandemic, the hiring process has been significantly delayed at every stage and created a hardship for me and my daughter. I received the written offer in XX/XX/XXXX, was in the security clearance process through XXXX and the agency is now awaiting budget approval for the position. 

I was able to pay my mortgage, secured in XXXX with Virginia Housing and backed by XXXX XXXX, with personal savings and severance pay until XX/XX/XXXX. At that time I was approved for a forbearance program with Virginia Housing. I have discovered that Virginia Housing has reported missed payments to credit bureaus. I have verified with a Financial Education counselor at the XXXX  XXXX Extension office that the federal CARES Act directs lenders to not report missed payments as part of a forbearance program associated with hardship and the COVID-19 pandemic so long as the account was current at the time of the forbearance program application. 

I have explained this to my forbearance program representative and a customer service representative over the past few months, but my credit report still reflects missed payments to Virginia Housing. I received a letter this month stating that Virginia Housing would not be correcting the information because it is " accurate. '' While I understand the information is " accurate, '' reporting the information is in violation of the federal CARES Act, as I've stated above and verified. 

I have also reported this issue to XXXX and not received a response. 

I would greatly appreciate help rectifying this situation with Virginia Housing  and the credit bureaus in order to protect my previously good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: GA
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 told the Experian, XXXX, and XXXX to reinvestigate these accounts Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 below is the list I dispute to them a Charge off Collection or Derogatory account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also dispute to them those open accounts that has late payments Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

Below are the open account I disputed that has late payments 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 explanation
Consumer complaint received 2021-02-26
Company: The Bureaus, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
In XXXX 2017, I signed up to get my credit report through Transunion. Unbeknownst to me I was signed up for a Credit Monitoring service consisting of XXXX per month. I simply missed it but caught it XX/XX/XXXX. I called effective today. spoke with an agent about getting the money refunded or at least giving me proof of services. She referred me to my account which says little more than the date I signed up for services. This is not helpful I said and requested to speak to a supervisor. She offered me back the most recent charge for XX/XX/XXXX. I then spoke with the Supervisor but this was only after a lot of push back. She also erroneously told me I could not speak with someone or submit a dispute on the transaction. It makes sense to me that Transunion would have a Dispute Resolution Center. I then Spoke to the supervisor " XXXX '' would not disclose last name, and he stated he would only refund 6 of the 9 total bills. I asked for a confirmation email for the refund but he refused to send one to me and said within 10 days ' I should get the money. Gave me Reference # XXXX. 

This feels like a bait and switch. I researched this and it appears to be a common tactic by this company. 

They know that since consumers are stuck with arbitration fees they will not pursue it for such a miscellaneous amount of money. I would like a full refund not part of my money that they should not have gotten in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX  XXXX XXXX XXXX SOLD A FALSE DEBT TO XXXX XXXX XXXX FOR {$9100.00} IN XX/XX/2018. THEY ARE TRYING TO COLLECT A DEBT THAT WAS RELEASED BY A MOTION TO DISMISS COURT CASE. I'VE ASKED THEM TO PROVE THE DEBT MANY TIMES AND THEY JUST SEND ME NOTICES OR JUST CHANGE THE AMOUNT DUE.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transuion, and XXXX have violated several federal and state laws regarding my right as a consumer to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: MO
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 am requesting regarding this issue that had never resolve by the credit bureaus, and for this, I am complaining these incorrect information on my credit file that containing some fraudulent items. I am not satisfied with the performance of the credit bureaus in deleting some of these inaccurate items and there are some that are still on my credit report. These inaccurate information are really affected my credit score. I really believe that these items are fraud and I don't want to be a victim of identity theft. Remove the following items : XXXX XXXX XXXX XXXX, MO XXXX ; XXXX date of inquiry XX/XX/2021.

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 2019-09-28
Company: Apelles, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Apelles that says I owe XXXX XXXX  {$9900.00}. I dont owe them anything as Ive already explained to XXXX. This debt is erroneous and I will not pay one penny of this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
It is imperative that my complaint be understood and correct action taken. On XX/XX/19 I made a check deposit of {$950.00} from a tenant from his XXXX account into my account. Per tenant the funds were taken on XX/XX/19 by Citibank however my account was not credited by Citibank claiming there was a " Hold '' on that check til XX/XX/19. There fore on XX/XX/19 when my check # XXXX for {$450.00} came in my balance was more than enough to cover it- {$480.00} ( I've enclosed the transaction activity for those transactions. 

On XX/XX/19 Citibank ret 'd the check # XXXX for {$450.00} and charged me {$34.00} which they have reimbursed me now after I complained. Further there was also a {$500.00} deposit on the same day Citibank re'td my check. This caused a problem with the company I sent check # XXXX to pay a bill. 

My question is if there is a check deposited & placed on Hold waiting it to clear & checks come in while it is on hold should the incoming check be re'td? But especially since the check that was placed on hold cleared & funds were provided to Citibank the very next day it was deposited. In my opinion & based on the past the funds were immediately credited to my account regardless of the length of the hold period. This issue has occurred in the past & I thought it was my fault since then I'm looking into my balance more closely & want Citibank to credit incoming checks as soon as they clear & get the funds available, none of this because they put a hold & wait til that hold period expires.

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 2023-04-12
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX  Balance : {$10.00}XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-05-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XXXX/XXXX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX inquired on XXXX/XXXX/2022 ; XXXX inquired on XX/XX/2022 ; XXXX XXXX  inquired on XXXX/XXXX/2022 ; XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 XXXX XXXX XXXX and inquired XXXX XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.

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 2019-09-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I seen this account posted on my account several months ago that was unfamiliar to me and attempted to dispute the debt with the credit bureaus. The accounts continued to come back verified and only with some billing statements sent to me from Syncrony Bank/J.C Penny. I contacted Syncrony Bank/J.C Penny. directly by phone and spoke to a customer service agent who reported that they had no information on the account and that it was assigned to collection agency XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they were unable to verify the debt and deleted the accounts from my credit reports.I again contacted Syncrony Bank/J.C Penny. and mailed them a letter by certified mail on XX/XX/2019 asking how they verified this debt and to send me a contract with my signature. It is now XX/XX/2019 and they have yet to respond to my letter regarding my request to this account listed 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 explanation
Consumer complaint received 2019-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold 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