BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
Company: Experian Information Solutions 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: 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 explanation
Consumer complaint received 2019-04-18
Company: MONEY SOURCE, INC., THE
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to another company. Purchasing company didnt submit my insurance coverage and my insurance was cancelled. My rights were violated because they placed the burden of re-establishing insurance on me. I had insurance before this transaction and was paying the premiums. I feel targeted because I am 100 percent XXXX senior veteran. My financial responsibilities were intact before this interruption.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: PA
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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The report includes the names of three people ( myself, my brother and my father ). As a result various credit cards, car loans and other items are listed under my report. Each individual has of course a separate unique SSN making this error hard to understand.

I tried to file a complaint with Equifax directly, yet the company seems unable to resolve the issue and my account is put on hold. The obvious problem is that without access to my credit report, it is impossible to verify the items on it and file a request to correct such items. These items are equally required to verify my identity, yet are not related to myself in any way. It essentially becomes a circular reference which the company is unable to resolve.

At the core, I am only trying to finalize my name change after my recent marriage. Unfreezing and updating my credit report is required for my SSN name update. The whole situation is just incredibly stressful and entirely cause by ( likely human ) error on Equifaxs end. 

Considering the ongoing problems with Equifax and the apparent inability of the company to manage its IT infrastructure, any help from your end to resolve the issue. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/GUITAR CENTER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 2023-02-16
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2020-07-14
Company: Lewis, McDonnell & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Lewis McDonnell and Associate contacted my husband first on XX/XX/2020 stating that they had a letter from my employer that could not be delivered to me. They provide my husband a case number and phone number for me to call. When calling they did not identify who they were at all and did not want to provide information initially about what this was about. After I ask several question they stated that I owed a debit and they threatened to contact my employer and garnish and take my property. First they stated that I owed {$2600.00} then they stated that they would take {$4400.00} and sue me for that amount. They have now left another message on my phone today XX/XX/2020 stating they have a letter to deliver and that they are going to contact my employer. I feel like this is harassment and unfair debt collection practices by falsely representation and threats. Still to this day I have not received any letters regarding this matter at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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 status incorrect

Complaint:
This is XXXX 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 non-monetary relief
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 name is XXXX 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 inquiries. 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 non-monetary relief
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Pursuant to the Fair Credit Reporting Act FCRA, these accounts listed below are violating my federally protected rights to privacy and confidentiality. 

XXXX - Account # XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX - Account # XXXX XXXX - Account # XXXX The banking system is very dependent upon fair and accurate credit reporting. Any inaccurate credit reports directly impair the efficiency of the banking system and undermine the public confidence of this very same banking system. 
I sent out letter to the credit bureaus on XX/XX/2022 disputing these accounts, requesting them to be REMOVE from my credit file. Pursuant to 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER; ( 1 ) In response to a court written order, having jurisdiction to issue such order ; ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give the bureaus any oral or written instructions to furnish any consumer report on my behalf.

The credit bureaus wrote me be stating that the information was verified. But how can it be verified when they did not follow proper procedure according to the law? They did not provide me with what reasonable procedures they used to verify these accounts. 15 U.S CODE 1681e ( a ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER REPORT. ( b ) Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum accuracy. It's very clear the credit bureaus are using my private information at my expense by damaging my consumer credit report and credit worthiness for their own financial gains with the data furnishers who they have special business interests with and neglecting I, the consumer who they are lawfully obligated to deal with in a manner that is fair and equitable. 

I, hereby demand the removal of the previously mentioned accounts from my consumer report effective IMMEDIATELY. and a { XXXX } fine for every violation of unauthorized information on my report since I first contacted the bureaus on XX/XX/2022 pursuant to U.S.C 1681n- Civil liability for willful noncompliance ). The credit bureaus continue to damage my CREDIT WORTHINESS AND MY REPUTATION.

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 2022-08-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Issue with Inifiniti Financial forcing me to return my lease to XXXX dealership instead of being able to sell to a 3rd party during 2021. Their dealerships were then providing outrageous buyout options which only left me to return the car to them. They magically changed their policy without notifying me. At this point I spoke with them to dispute the lease termination charge since they were effectively creating a monopolistic profit center for themselves through the policy change. I do not feel I should be paying a lease termination fee and told them so. Today, I see they reported an outstanding balance for this fee on my credit report and it has been increasing each month ( do to unknown reason ) despite them not sending me any information on the balance. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: AMERICAN EXPRESS COMPANY
State: ID
Product: Credit card
Issue: Advertising and marketing

Complaint:
i tried to open a dispute with american express on XXXX fraudulent charges.they would not open it at all.i feel that they should have at least investigated into it.the company was consumer advocate services. they stole XXXX dollars from me.they totally disappeared on me and american express would not look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: AL
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2019-04-18
Company: Performance SLC
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2017 i have a student loan and was looking to apply for student loan forgiveness and XXXX XXXX and/or Performance SLC offer to help me and and charge for a service fee. They told me if i pay the fee then my student loan will be wiped away. i felt for it because who wouldnt want to be free from student loan. my bills from XXXX went to XXXX , i was excited and assume that my loan i gone. but after 2yrs XXXX contact me to recertify. but then i still have my loan left knowing it only went to forebearance. and now im paying the {$2500.00} charge fee and i have to be back paying my syudent loan at the same time where i could have use the charge fee to help pay my loan. i want to cancel the service but ive been searching online hoping there's help from students like me that fell for this scam. atleast they could refund the charge fee or atleast stop taking money from my account. please help i couldnt afford anything paying all this useless service when i could have done it myself for free. this company are misleading student like me so desperate to be forgiven from student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 

XXXX XXXX XXXX XXXX XXXX WELLS FARGO 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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
in accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX : 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 XXXXXXXX 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH 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 OR CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) APERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT INFORMATION IS INNACURATE

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 2023-01-31
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used Money Gram to transfer an amount of Money to XXXX XXXX this transaction was successful got a reference # on my end ; however on the other end my receiver couldn't get the money after going to 5 different banks since the amount exceed their limits ; after speaking with Money Gram 6 different times they only solution they gave me is it for ME to cancel ( which I don't want ) this transaction and wait up to 10 business days to get it back, they can not do their service and now I have to wait for my own money and I can not dispute the charges as well since this transaction shows under " processing '' this is frustrating and unreal they should refund customers money it right away since they can not fulfill and complete their service and the only reason we use this company. PLEASE BEWARE or their ' '' SERVICES ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I attempt to use Amazon Pay to pay for products on XXXX XXXX   website. The transaction failed but it was recorded on Amazon Pay and charged back to the Amazon Store Card provided by bank Synchrony bank. Amazon Pay stated they refunded the money ( {$1000.00} ) but Synchrony bank stated they did not receive the refund from Amazon Pay and I will need to pay the amount. I did not receive any goods from  this transaction but I am being forced to pay for it by the bank ( Synchrony bank ).

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 2023-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX Balance : {$3600.00}.

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 2020-09-18
Company: LEXISNEXIS
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 just received a response from lexis nexus from CFPB about a bankruptcy I disputed that they have on my profile. Not only did they say they verified this through a public source pacer but they said they verified my last four digits of my social security number and date of birth. According to the FCRA they need to verify my full identity not just the last four of my ssn. Social security numbers are only unique in the first five digits. This is against the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 non-monetary relief