BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent TransUnion a total of ( 5 ) written requests over the past year and a half to validate a Chapter XXXX  Bankruptcy displaying under my credit file. The credit bureau responds to my requests with the same messages repeatedly. Please see down below : 1 ) TransUnion responded that the completed investigation was verified by the data furnisher 'USBK  Court XXXX  Florida ' and that they will NOT continue to re-investigate such requests from me.

2 ) I took it upon myself to send a letter to the USBK Court XXXX  Florida and asked how such procedure information is validated with Credit Bureaus. The USBK Court House sent me a returned letter explaining that they DO NOT validate information with 3rd parties and have no jurisdiction over reporting agencies. 

TransUnion sends me the same automated / generic letter in response to my request to validate a Chapter XXXX BK. They continuously claim they will not re-investigate. How could they have claimed to validate such information with the USBK Court House when intern the USBK Court House does not validate such requests with reporting agencies. In reality, TransUnion never investigated such and completely ignored my repeated requests by sending out a generic letter saying it was verified by the Court House.

I am attaching the letter sent to me from the USBK explaining how they do not validate information with 3rd parties such as Credit Reporting agencies. I am also including the letter sent to me from  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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. This is my follow-up filing of complaint alongside my previous complaint dated XX/XX/XXXX. There are items that are fraudulent in my file and must be removed Immediately. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$120.00} XXXX OF XXXX XXXX XXXX Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} XXXX & XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: RGS Financial, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
RGS has continuously called me using abusive language to collect an alleged debt of {$11000.00}. They have sent a bill on XX/XX/XXXX and after to collect this alleged debt after repeatedly being asked to stop. A letter has been sent on XX/XX/XXXX XXXX for cease of such collection of this alleged debt with no response from RGS however RGS continues to report negatively on my credit report. After more than 60 days this company has not responded to either letters asking this company to send proof of this alleged debt or to cease collection of the alleged debt. They are a burden on my life causing me great XXXX and XXXX in which I have had to seek medical attention for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
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: Account information incorrect

Complaint:
In my credit report XXXX ACCT # XXXX shows a late payment on XX/XX/2013, the information is incorrect, this account was setup in automatic payment and they made a mistake in processing the 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
Consumer complaint received 2019-03-08
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, I deposited a CASHIERS check ( certified funds ) into my account from my federal refund from XXXX XXXX XXXX. The funds were immediately placed on hold. I have been contacting Wells Fargo bank on several occasions trying to find out why and if they could release the funds. I was advised by them that the other bank could possibly debit the funds back. I contacted the other bank and was told that the funds was verified and cleared on XX/XX/XXXX. Ive contacted Wells Fargo bank on several occasions letting them know that they are holding the funds with no probable cause at this point and they still refuse to release the funds. I am a mother of three kids whom account is currently in the negative because I had made post dated check arrangements on my account, I have no money, they said that they wouldnt even void the check for me to have another reissued. The last representative I talked to in the executive office by the name of XXXX said that it could take 24-48 hours for me to speak with a supervisor and that is totally unethical and humane.

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 2020-11-24
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX or XXXX of this year 2020, I submitted a dispute letter to XXXX, XXXX, and Equifax about inaccuracies being reported on my credit report. I included identification documents and a utility bill. I also included screenshots of the accounts and highlighted the inaccuracies being reported. I also requested copies of documents for each of the accounts including the Original Contract, Pay Off Disclosure, Interest Rate Disclosure, Balance History, Payment History, and Credit Insurance. On XX/XX/2020 i submitted a 30 Day Demand To Comply Letter. I am asking for the accounts to be deleted from my credit report completely immediately. I have not gotten a response from the company and it is past 30 days. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Took out this loan for school around XX/XX/XXXXI have always paid on time {$240.00} they call me every Thursday when Im at work I have stated to them many time not to call me just to draft money one time they told me I only had to pay XXXX  that if I wanted to save money for the the month so I asked what the catch that I didnt want to pay more or refinance they said nothing that I just had to go in and sign papers and everything world stay the same I asked this question multiple time if anything would change lady lied to me I called today and my payment reset so I have to start all over again I did not receive anything when I refinanced

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 2019-02-27
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I leased a XXXX vehicle for my daughter. My daughter was involved in a crash and the vehicle was " totaled '' out. The crash occurred sometime in XX/XX/XXXX. I went to XXXX and leased her a new vehicle, XX/XX/XXXX. Never hearing anything about my daughter 's first car I thought everything was clear/clean. 
Fast forward to XX/XX/XXXX I received a credit bureau alert that I had a {$1000.00} chargeoff on my account. I went to the website and discovered it was for XXXX XXXX XXXX XXXX. I called XXXX to inquire and was told that the insurance company apparently had a {$1000.00} deductible and that they had sent me a bill in XX/XX/XXXX. I can not imagine that they only sent me one bill however the customer service rep confirmed they sent nothing else or no phone calls to tell me about the issue. I had to move money from one account to another and had the chargeoff paid within a few days. I understand that this is something that I must dispute with my insurance company and definitely would have done had I know there was an issue. I am in the process now of doing this with my insurance company. 
The problem is that now this chargeoff is on my credit reports and it caused a significant drop in my score. So I sent a letter to XXXX XXXX XXXX   respectfully requesting that they consider removing the chargeoff, since I had no idea I owed the {$1000.00} and according to them they only attempted to notify me one time in 7 months despite the fact I have two additional accounts with them. All in good standing. 
I received a letter back from them saying that it will stay on my credit report and that they were accurate. This has been absolutely devastating especially since I will be attempting a home refinance within months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2023 XXXX, XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
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'm not responsible for this account. I have never sign any documents with this company. I believe, that somebody stole my personal information and applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I attempted to login to my account ( s ) with XXXX on Wednesday, XX/XX/XXXX and was unable to do so, due to the following error message received : " Important : We locked your account to protect it from suspicious activity. To unlock it, call XXXX. ". I called as instructed and was informed that XXXX XXXX decided to " end our relationship '' and will close my account. I was not informed of any reason. Additionally, I received an e-mail on the same day, stating I can access the letter on my account online, of which I don't have access to get to my account online ... What's even worse of not being told anything, any outstanding checks will bounce and I can not even do anything because I was informed it will take 10 business days to close the account ( s ) and additional time for me to obtain access to my funds. I would understand if the funds are being withheld to cover any outstanding checks, but that's not the case. I was specifically told that any withdrawals of any kind will not be honored and not be accepted. So what's the reason of withholding my money and literally for several weeks I will have absolutely no access to any of my money for absolutely no reason. I've been a customer with XXXX since XXXX or even before and also used their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am filing a complaint against American Express due to non distribution of my full reward points upon completing my minimum spend ( completed 30 days after receiving my credit card ).
I have attempted to handle this multiple times via phone as well as website chat but have had XXXX   success. On XX/XX/XXXX I spoke with a chat representative from the XXXX  XXXX  site who informed me that the error is on their side, and that my points would be credited " soon ''. I have attached a screenshot of that portion of the conversation. But that never happened -- so I spoke to another representative via phone support to try and get the issue resolved. That was sometime around the XX/XX/XXXX. On that call, the AmEx representative was able to get my full reward points amount to reflect ( a total of XXXX  points ) -- but those points do NOT reflect in my XXXX  account, which is where I need them to be in order for me to book any type of travel arrangements. It has been 6 months now, and I still do not have my rewards points reflecting in my XXXX XXXX XXXX account. I only show the total amount spent, which is 11,200 roughly. I have included screenshots to indicate that my minimum spend was hit within 30 days of receiving this card, as well as the discrepancy in points reflected in both accounts, and it has been well over the 6-8 weeks that American Express keeps regurgitating to me to wait for these points to appear. I have held up my end of the bargain on this and spent thousands of dollars with their company which they have made money on through company interest fees, and yet they have not held up theirs and credited me these points owed. Please let me know if there is any additional information I can provide on this matter.
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27
Company: The Bureaus, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2016 XXXX XXXX sold off my financial contract with them to a company called " The Bureaus ''. I am not contractually obligated to pay the bureaus, only XXXX XXXX. Due to them selling the debt to the bureaus I am no long attached to that debt. I have called the bureaus, they have flat out refused to remove the debt. I have filed multiple complaints through XXXX  and XXXX  to no avail. I am seemingly being held economic hostage, without any ability to use credit. Even unable to apply for a XXXX $ secure line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: FL
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:
The consumer reporting agencies, XXXX, Exquifax and XXXX must correct or delete inaccurate, incomplete, or  unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

There exist two public records listed on my credit report that have not been verified by these agencies within the last 30 days. Each one is using old dates as part of their reference, dating back to XX/XX/XXXX and XX/XX/XXXX without either stating a verifiable source, such as the courts. 
Each of these bureaus are in violation of FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute related to the two public records listed on XX/XX/XXXX and Equifax ; and the one public record listed on XX/XX/XXXX. 
These companies have failed to list their sources and confirm the source within the last 15, 30, or 60 days of receiving my prior dispute of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: CURO Intermediate Holdings
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/19 I applied for a loan in the amount of XXXX. I was approved and fully intended to payback the loan. I however, just lost my job and was told about a health issue and to top it all off the bank account I did have was closed. I am to embarrassed to talk to the company as it has really made me distraught. I have in the past worked with them and was able to pay off the loan quickly, I won't apply for another loan with them since I am unable to pay this one back. I am due to pay back my loan XX/XX/19 for the amount of XXXX and will not be able to pay this payment or the next three for the same amount on the same dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it again. the accounts that I am disputing for verification on my last complaint dated XX/XX/2023, have not been verified yet. they are still reporting erroneously on my credit report. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance Owed : {$100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$170.00}

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 2017-09-15
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The situation at hand started with me wanting to relieve myself from debt with students by accommodating a lower while getting my loans paid for. I previously was working with a company called XXXX. Eventually as time with by, I came across several phone calls asking me if I wanted to sign up with the program of student loan debt forgiveness with XXXX XXXX. Finally entertained the idea because I thought those type of calls were scams but talked about it at work over the phone. The conclusion from that conversation was that I was going to be forgiven from my student loan debt after so many months of paying XXXX XXXX $ XXXX after the initial cost upfront of {$600.00}. As a few months passed working with them, I began receiving letters from FedLoan stating there was {$0.00} being made to my account each month and obviously I became concerned. Reached out to XXXX XXXX to cancel because what they told me then was something different from before. Today, XX/XX/XXXX, I reached out to FedLoan and was explained that XXXX XXXX was a scam service that charges people for the same free services they provide when I explained i I went through them to try and get my loans forgiven. Immediately told me to file a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
XXXX  and USBank continue to report and update this account every single month as a negative charge-off, thus purposely holding down my credit score which is not allowing me to be approved for new loans. This is considered re-aging the debt and severely hindering 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 explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I contact Experian on XX/XX/2020 to remove a account which not belongs to me, they are is reporting 2 accounts for on creditor and only own one. and the inaccurate-one is reporting negative late on my report which is affecting my financial in a hard way on XXXX of XX/XX/2020 Experian told me that creditor updated my info and experian didn't remove the inaccurate negitive account, i asked representative what proof the creditor had, Experian replied they don't have any proof, i also contact the creditor XX/XX/XXXX on XX/XX/2020 and they confirmed with me their is no 2 accounts i want experian should re-investigate my dispute since creditor didn't proof anything against my dispute.

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