BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am reaching out to Trans Union to initiate an investigation into identity theft. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request a comprehensive validation of the disputed accounts following the prescribed procedures. This specific section governs credit reporting agencies ' obligations during inquiries concerning contested data.

Furthermore, I want to emphasize that the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) places a responsibility on data furnishers to furnish accurate and complete information. Due to the evident inconsistencies in my credit report, I demand prompt corrective measures as stipulated by this provision.

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 2019-01-14
Company: CREDIT WORLD SERVICES, INC.
State: KS
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:
Credit World has been notified on four occasions that a debt they are showing active on my credit report was discharged in a bankruptcy RE : XXXX XXXX XXXX Case No. XXXX. They continue to show it open although the have been notified. I don't even believe the debt is valid as I never received anything with regards to the debt it just appeared on my report and was the ncluded in a chapter XXXX. I have called Credit World three times the were suppose to send me a report showing the validity of the debt which I never received. They need to remove this or so it discharged and not active they refuse to do this. This collection agency is notorious for not abiding by the Fair Debt Laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Account is locked and have talked to them ( Apple Card - Goldman Sachs on the phone. They say it will take up to 10 days to have it resolved? I need to make a payment on this card and cant because I cant even get into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX number XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX  XXXX account number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  number XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX Bank of XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: American Financial Resources, Inc.
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
As a first time home owner. I purchased my home XXXX At closing i paid everything i was obligated to pay including insurance premium in full for a year. 
In XX/XX/XXXX my mortgage company American Financial resources ran an escrow analysis in which resulted my mortgage increase from XXXX to XXXX. a {$290.00} increase MONTHLY. after reveiwing the escrow analysis - i found numerous errors in XX/XX/XXXX they paid the wrong insurance comany not even 3 months after i closed on my house, and paid my home owners insurance in FULL at closing. I found they disbursed payment to tax collectors office for sellers owed taxes. Which was not part of my closing agreement. I ended up paying {$4200.00} in taxes in XXXX when my taxes were $ XXXX Yearly. 

REGARDLESS of if tax collectors office was attempting to collect payment it was two different owners, two differnt account numbers- no communication was made to notify me in regards to their request for payment. 

My escrow account was - XXXX due to these errors. 
I feel like ive been taken advantage of and no one wants to be held accoutable this has become my issue and has effected me & my loan in great deal financially. And Mistakes like this shouldnt happen, and could of been avoided, if they were more thorough and rechecked before just sending out someones money. from XXXX to today XX/XX/XXXX no escrow analysis was ever re - run. after numerous phone calls, numerous fax 's. Im truly just disappointed in this entire situation-this should be an exciting time in our life, as first time home owner ( s ), and i feel like its been one of the worst experiences and makes me regret purchasing a home. you trust mortgage companies to disburse your money appropriatley, and dont think errors like this would happen- we are at a loss on how to move forward? legal assistance re-finance?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: Experian Information Solutions Inc.
State: IN
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2020-02-28
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received email from credit bureaus that second round debt collection has reported a bill that I owe them in amount XXXX from XXXX XXXX. I have good credit history with XXXX. I have no knowledge of this debt. Can you please resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Ad Astra at number XXXX repeatedly called my cell phone and my work phone between XXXX and XXXX on X/XX/2017. They do not disclose who they are and was very rude when asked to call after work hours. I asked if there was a call back number and was told " we need an account number from you to settle this debt or we would have to pursue you in court and file criminal charges. '' The agent was very degrading and belligerent. When they called my employer and was placed on hold they immediately hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
We initially filed several disputes with American Express on XX/XX/XXXX against XXXX XXXX XXXX. The charges were for an upgrade to a timeshare purchase on XX/XX/XXXX. We submitted 4 disputes and we received letters stating we won our cases on XX/XX/XXXX. They refunded us the amount of all charges and sent us a refund check. However, we received notice that one of the charges was placed back on our account on XX/XX/XXXX because it was over 60 days old, {$16000.00}. 

I have called every day since XX/XX/XXXX explaining the fact that XXXX XXXX breached our contract on XX/XX/XXXX and that is why we are disputing all payments for this upgrade in XXXX. They did not breach the contract until XX/XX/XXXX, but since we filed it on XX/XX/XXXX, we are within the 60 days of our claim, but American Express keeps closing the claim for the reason of 60 days, they are only looking at date of transaction and not all the evidence I have uploaded to them. First, why would they have given us a refund in the first place, and second I have had to call every day to re-open the case to hopefully get their investigation team to see that they breached the contract on XX/XX/XXXX instead of just looking at the date of the transaction. 

I have written down everyone that I have spoken with including a supervisor XXXX, who assured us that the case would get looked at and she agreed that I was right filing within the 60 day time frame. We filed it right away after XXXX XXXX breached our contract on XX/XX/XXXX. I have documentation that shows XXXX breached the contract and have forwarded all the necessary documents to American Express, but the investigative team will look at my supporting documents. I need help so that they will!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
i have a issue with the school charging me a fee fo a class i took and they got paid for it. I also dispute the company reporting this false debt to the 3 credit bureau, so i want to exercise my rights of the FCRA act. this debt or traNsaction can not be shared with these agencies due to the FCRA act rules. 

I want this debt removed from my credit bureaus and the debt charged off and removed.

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 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was charged {$280.00} incorrectly by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I contacted XXXX, and was able to correct the information, and was sent a letter by XXXX XXXX from the XXXX XXXX XXXX on XXXX XX/XX/2018. He informed me this was also being sent to all 3 credit reporting agencies, and should be removed in a month 's time. It is still on all 3 credit reports, and I am unable to have it removed.

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 2022-10-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant proof all 3 delete this account from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Experian Information Solutions Inc.
State: IN
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 called XXXX XXXX credit card to resolve this and they said i could not pay them and the account had been deleted but they are telling experian that the account is correct and that i am missing payments and they report to the credit s every month that it is a charge off and they have sold the account to XXXX XXXX so i called them to pay off the account but they said they had trans fered it to some one else so they could not take the money put they are telling experian the account is correct but i cant pay ether of them so i have ask them to be removed if they cant take payments on the accounts how do i fix 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 2023-07-25
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Send {$3200.00}. To XXXX XXXX, this person was part of a scam.The funds were sent via Cashapp.Numerous attempts with cashapp to recover my money has failed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
Upon looking at my Equifax Credit report I notice several fraudulent reports that are reporting. I am not aware of this accounts. I have a police report and supporting documents for identity theft. Please review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We went to the bank branch office last week to pay our mortgage off. It was a substantial check amount. We got a receipt that said it was paid. The next day our bank showed the check cleared. We go into the Wells Fargo portal and it shows the payment is sitting in an " unapplied funds '' account and it also shows we still owe and are delinquent on our XXXX  payment. Isn't this a violation of the law? Aren't banks supposed to post your payment within 24 hours. It's now 5 days that this payment has not posted! It's concerning because they told us the third day when we called it would be posted on Monday but is still was not posted. So we called Monday and they said it will post by end of day Monday now. Because of prior past experiences with this bank and the large amount of money that is sitting in " unapplied funds '' and a possible violation of banking laws, we thought it would be best to file this complaint and have the CFPB look into this matter.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA 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 2022-04-18
Company: EQUIFAX, INC.
State: IN
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:
In accordance to the federal credit act. Of 15 us 1681. These accounts were effected 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. Please delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have multiple inquires in my credit bureau of Transunion that I do not and authorized please delete these queries from my account thanks.

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 2018-02-07
Company: EQUIFAX, INC.
State: TN
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 found out that Equifax had the wrong name, social security attached to my name not only that different aliases and addresses as well. I contacted Equifax and I was advised to send in proper documentation via Fax to prove my identity and I was in compliance. I went to XXXX OfficeXX/XX/XXXX and paid to color copy of my SSN with my DL and send the fax to Equifax Dispute Department. I then contacted Equifax again days laters to see if they had received my documents and they hadnt, so I waited again. Days had past and then I receive my 1st confirmation email from Equifax, So I thought they had initiated my disputes and definitely my documents. So I called back and gave the 1st confirmation number and they had informed me that they had updated my information and received my documents and that now Id have to wait until the other investigation was done ( which I didnt know I had 2 different disputes ). So 2weeks go by and I receive another email with an estimated time of XX/XX/ for the last dispute to be fixed. So they had ( 4 ) collections removed but the still have my social security number incorrect and the same credit report with all the fraudulent medical collections are being pulled from Equifax to my credit union, denying me everything. Twice. The report still shows the same information that I hadnt the same ( 2 ) disputes about. I called almost everyday since XX/XX/XXXXand I keep getting the run around and Im always talking to to someone from out of the country who barely understands what Im talking about or saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions 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:
Good afternoon, I am writing to your agency again in regards to a previous case # XXXX-XXXX. XXXX advised on a letter mailed to me and your agency, that they would update my credit report for all three credit bureaus to include a statement " disputed by consumer ''. They failed to do so. I have recently disputed this account with all three major credit bureaus since this statement is missing from my credit file. Furthermore, to add insult to injury, XXXX failed to report accurate payment information. On my Experian credit report, they reported my payment history inaccurately. I always paid more than the minimum payment. On two reports, they reported XXXX as the amount paid and only the minimum payments of {$27.00}, {$28.00} for each month. All of these inaccuracies is affecting my credit score. On my XXXX credit report, they stated that I had a high balance of {$1400.00} from XX/XX/XXXX to XX/XX/XXXX which is not correct. The high balance of {$1400.00} was only for the month of XX/XX/XXXX. On XX/XX/XXXX, my balance had reduced to XXXX. I paid off my account entirely by XX/XX/XXXX. As I stated previously, I always paid more than the minimum. Not only did XXXX lie and state they closed my account at their own request but they have not reported my payment history for Experian and XXXX   reports as required. I will be submitting copies of my current credit reports to support this new complaint along with supporting documentation.

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 2020-02-28
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:
Inaccurate information on credit report. 

XXXX XXXX XX/XX/XXXX {$560.00} XXXX XX/XX/XXXX {$5900.00} XXXX XX/XX/XXXX {$160.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$910.00} XXXX XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$190.00}

Company response to consumer: Closed with explanation