BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed this information for 4 months now regarding the 2 bankruptcy on my credit file. I have asked the bureaus for proof showing the bk were mine and no reply .. all they sent was a remot back with them on it. They cant verify bankruptcy with a court house or a third party and never gave the information i requested. Who they verified with and did they verify the whole ssn number? they didnt This has ruined my credit

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 2023-04-19
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:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-03-29
Company: EQUIFAX, INC.
State: CT
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 applied for a mortgage with XXXX on XX/XX/19 and they were required to do ( 1 ) inquiry. When I spoke to the supervisor they had already done ( 7 ) inquiries via XXXX which lowered my score 9 points. I spoke to the manager : XXXX XXXX Sales Manager XXXX XXXX XXXX XXXX Office : XXXX XXXX XXXX XXXX And was advised I would receive a letter and/or evidence these inquiries would be removed from all three of my credit reports and to date I cant get a call back after several voicemails and emails or a letter. Im also frustrated that everytime I speak to my consultant : XXXX XXXX Home Mortgage Consultant NMLSR ID XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX, NC XXXX XXXX XXXX Tel XXXX Ext. XXXX | Fax XXXX who initiated my loan for me and has done his part and has submitted it to a processor has to keep saying I will follow up to see why the processor has not reached out. This alleged processor who is going to call me to move my loan through the process. To date I have yet to even obtain a pre-approval to shop for a home or hear from a processor. 

I keep getting told someone will call you.. and no one is doing nothing. The loan is not moving on the tracker and at this point I just want all inquiries related to this mortgage removed and the application cancelled.. For a bank this size this snale mail tactic is not very efficient for a consumer. 

I want the excessive inquiries removed immediately from all three credit agencies as only ( 1 ) was authorized not ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed this information for 4 months now regarding the 2 bankruptcy on my credit file. I have asked the bureaus for proof showing the bk were mine and no reply .. all they sent was a remot back with them on it. They cant verify bankruptcy with a court house or a third party and never gave the information i requested. Who they verified with and did they verify the whole ssn number? they didnt This has ruined my credit

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 2020-10-20
Company: Bread Financial 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:
Hello, I am XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: NE
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:
Failure to complete 605b block to finalize the remaining XXXX accounts. I have uploaded mailed and faxed. I have been denied credit due to failure to complete these blocks.

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 2023-02-21
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2018-12-11
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The escrow calculation at Nationstar/Mr. Cooper is flawed. Their analysis takes place in late XXXX ( XX/XX/XXXX in my case ) where they look back at any payments from XX/XX/XXXX to XX/XX/XXXX. That analysis doesn't account for payments made after the analysis ( i.e. payments made for XXXX ). The balance forward analysis, used to calculate any projected escrow shortfall, utilizes the ending balance from the XXXX to XXXX analysis, which starts with the XX/XX/XXXX payment. This again doesn't account for XXXX payments made in after their XX/XX/XXXX analysis date. In order for their analysis to include a XXXX payment the borrower would have to make that payment 30-45 days in advance. 

In short their analysis forces borrowers into an escrow shortfall situation by not accounting for late XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-18
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: Account information incorrect

Complaint:
I filed a complaint with TransUnion reporting inaccurate information on my credit file, both with them personally and also with the CFPB. My complaint has to do with " XXXX XXXX '' on my TransUnion credit report. This account has been already reported as " closed. '' Now it reappears as " open, '' which is a violation of the FCRA. Because this account keeps reporting as open and closed, it is reporting inaccurate information. I asked TransUnion to remove this account from my credit report, as XXXX has done, but they refused to comply, stating that the account is " accurate, '' which is false. I demand for them to remove the account from my credit report or I will take legal action against them.

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 2018-12-19
Company: WELLS FARGO & COMPANY
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:
THIS BANK is a RIP OFF! on XXXX XXXX I opened an Acct. w/WELL FARGO with a BONUS of {$250.00} after 60 days or 2mos, spending {$10.00} per mo. I spoke to Mr. XXXX XXXX the BANKs AGENT and he said give it a bit of TIME, I waited 30 days went BACK to Mr.XXXX, and he said wait a bit LONGER, 30 days later I went BACK to mr. XXXX he CALLED??? the MAIN OFFICE and told ME they, the MAIN OFFICE WOULD be in TOUCH, I recieved a letter STATING theyere aware of the MATTER and WOULD ADVISE, 30 days later I WENT BACK to Mr.XXXX  HE AGAIN CALLED the MAIN OFFICE they ASSURED HIM that THEY WERE on IT, I KEPT WRITING and CALLING and THEY WELLs FARGO kept STRINGING ME ALONG for SIX or SEVEN MONTHS, that is WHEN I DECIDED to START a CIVIl CASE AGAINST WELLs FARGO BANK, I HAVE ALL THE PAPERS, PRIMARILY A VALID CONTRACT FOR THE BONUS DEAL, they OWE ME TODAY {$1000.00} ACCUMILATED COSTS TOTAL as of TODAY, TOMORROW is ANOTHER COST!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
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'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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
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: Account status incorrect

Complaint:
I have disputes negative informatiom with the credit reporters about and ols account with XXXX XXXX thatwas paid off and should have been deleted from my account. The creditor had assured me plenty of times that they are not reporting this account to the credit reporters anymore and they are the ones to fix this on their system. The account was paid off and closed but it still showing as a delinquent account when it should be already deleted from my report. I have contacted experian and the other credit report companies, and disputed this information, but it still showing on my account affecting everything that I can potentially do with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: BBVA FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
In XX/XX/XXXX XXXX, I requested a wire transfer from my bank in XXXX to wife fund into my XXXX XXXX account with XXXX, to today date, I have receive not fund in my US account. I reach back to my bank in XXXX, and they also requested more detail to their partners bank in the XXXX ( XXXX XXXX ) Please see below the response from XXXX. 

XXXX : Transaction Reference Number XXXX XXXX : Related Reference XXXX XXXX : Narrative AS A FOLLOW UP TO YOUR INQUIRY UNDER REFERENCE XXXX ADVISING US THAT THE BENEFICIARY IS CLAIMING NON RECEIPT OF YOUR PAYMENT REFERENCE XXXX IN THE AMOUNT OF XXXX DATED XXXX EFFECTED UNDER OUR REFERENCE XXXX. 
DURING THE COURSE OF THIS INVESTIGATION WE HAVE REPEATEDLY FOLLOWED UP WITH THE BENEFICIARY BANK FOR CREDIT CONFIRMATION. DESPITE OUR REPEATED FORMAL REQUESTS, THE BENEFICIARY BANK HAS YET TO PROVIDE AN UPDATE. 
DUE TO THE LACK OF RESPONSE FROM THE BENEFICIARY BANK, WE ARE CLOSING THE INVESTIGATION ON OUR END. AT THIS JUNCTURE WE SUGGEST THAT THE BENEFICIARY LIAISE DIRECTLY WITH THEIR BANK IN ORDER TO FACILITATE RESOLUTION. FOR THE REFERENCE OF THE REMITTER AND BENEFICIARY, WE HAVE ATTEMPTED TO CONTACT THE BENEFICIARY BANK UNDER OUR REFERENCE XXXX. IF WE RECEIVE ANY ADDITIONAL DETAILS FROM THE BENEFICIARY BANK REGARDING THIS MATTER, WE WILL UPDATE YOU ACCORDINGLY. 
PLEASE QUOTE OUR CASE REFERENCE XXXX ON ALL FOLLOW UP REGARDING THIS MATTER. 
REGARDS, XXXX XXXX INVESTIGATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citizens was offering their credit card with a promotional {$100.00} credit towards XXXX precheck. I purchased XXXX precheck and never received my {$100.00} credit. When I asked them why they stated that the transaction name did not match XXXX precheck and they would not honor their promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-24
Company: EQUIFAX, 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 disputed an old/obsolete tradeline with Equifax on XX/XX/XXXX. XXXX XXXX XXXX verified the account with Equifax as correct and mailed me a charged off statement from the original creditor ( XXXX ) dated XX/XX/XXXX on or around XX/XX/XXXX ( attached ). 
My supporting documentation shows that the date of last payment was XX/XX/XXXX, date of first delinquency was XX/XX/XXXX. Fall off date/Removal from my credit report should be XX/XX/XXXX, as per one sample of my Experian report, dated XX/XX/XXXX ( attached ). I also have documentation stating XXXX as the fall off date from other credit reports, which I can provide upon request. Attached is today 's screenshot I took on XX/XX/XXXX showing XXXX XXXX 's account on my credit report showing the discrepancy ( re-aging ). Equifax will not remove the tradeline and XXXX XXXX XXXX has a date listed which doesn't match the records of the original creditor ( attached ) and refuses to remove this old tradeline from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Failure to complete 605b block to finalize the remaining XXXX accounts. I have uploaded mailed and faxed. I have been denied credit due to failure to complete these blocks.

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 2020-09-17
Company: EQUIFAX, INC.
State: NE
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 submitted my FTC Identity Theft Report and a letter requesting the block of my information multiple times since XX/XX/2020. 

I have uploaded them, uploaded them to disputes and faxed and I mailed a copy on XX/XX/XXXX. 

To date the request to block the following accounts have been completely ignored when other bureaus have corrected and blocked per XXXX FCRA : Collection Account professional XXXX associates {$980.00} XXXX bank charge off XXXX {$2500.00} Synchrony Amazon Card chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MA
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:
On or about XX/XX/20, I used my Simmons Bank credit card to make an online purchase a {$74.00} item from merchant named XXXX XXXX. 

On or about XX/XX/20, the item had not yet arrived and the seller had not responded to requests for an update, a complaint was filed with Simmons Bank. Case #  XXXX. 

Sometime near XX/XX/20, a letter was received from Simmons indicating they did not believe a billing error has occurred. This finding was based on tracking documentation - a copy of which they included with the letter. 

Upon receipt of XXXX letter and upon review of the documentation it was clear the shippers documentation indicated the item had been sent to an in XXXX, CA, the other side of the country from where I live. 

I called the dispute resolution department and provide documentation proving my shipping address was NOT XXXX and the supposedly the case was reopened. 

Several calls over several weeks asking for updates, etc. finally resulted in being told It is too late the case is closed!!! 

Attempting to escalate the issue, I requested to speak to a supervisor and was told that one was not available and I would be called. 

No call came and the next day a supervisor was still not available and I made an appointment to receive a call the next day. That call did not come and I called again. That call resulted in a promise that a supervisor would call before the end of the day. 

No return call has been received.

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 2020-09-17
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SUNRISE CREDIT SERVICES is listed on my credit report and is not licensed in the state of Michigan. Legally to collect they have to be licensed this company will have to remove this debt 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 explanation
Consumer complaint received 2022-11-28
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: Their investigation did not fix an error on your report

Complaint:
I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being XXXX percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items

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 2018-06-26
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i have disputed to experian twice they have an address of XXXX XXXX in XXXXXXXX XXXX i never lived at and will not take off also a XXXXXXXX XXXX and XXXX XXXX that is not mine are not mine

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