BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent the dispute letter below to Trans Union to correct the way items are showing on my report. I included pages from a prior credit report I retrieved on my own through a lender. When they went through their investigation, they now show one item " charged off '' for XXXX which is incorrect, it should be " paid '' and XXXX XXXX loans were paid off because I refinanced student loans that paid them off! They still reflect it incorrectly making it look like the accounts are still open which do affect my FICO accuracy with them. I want them all fixed per my original request. The XXXX one was the most shocking. Where did they get that info from stating it was charged off in 2016? It was not. It was paid and the company ended up being sold to XXXX who has been just awful. These bureaus need to be shut down because they 're incapable of keeping accurate records. I want both problems corrected to reflect " paid '' on all.

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXX, and Transunion have so many different discrepancies ' between all 3 accounts and information provided that it has been causing me hardship to obtain new credit or purchase a home. All information should be reported correctly between all 3 but none of it makes sense. I have tried numerous times to contact all 3 credit reporting agencies, but information still does not get updated correctly. As you can see from what I have attached below XXXX is giving me 3 different scores across 3 different platforms. Same is with Transunion and 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 2022-01-05
Company: ENCORE CAPITAL GROUP INC.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland Credit management sued me around XX/XX/2021 for a debt of XXXX, after I received their letter to sue me I called their lawyer XXXX XXXX XXXX to arrange payments. They then tacked on interest, fees, and legal fees to the debt which is now XXXX and are now trying to garnish my wages through filing a suit through the local sheriffs office. I don't understand why I have to pay for their motives and not settle this matter with me instead of garnishing my wages

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A new servicer took over our home loan recently and has started charging a service fee of {$15.00} for regular online payments using our bank account. Our previous servicer never charged us a fee to make regular online payments. I disputed the charge the first month over the phone and it was waived. I was able to make a payment online last month without a charge. This month the website indicated I would be charged {$15.00} to make the payment. I called on the phone and disputed this again. The said the lowest they could charge would be {$10.00}. I told them that if they insist on doing this, I will file a complaint with CFPB. I was forced to make the extra disputed {$10.00} charge to make sure the payment would be there on time within 4 days left in my grace period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, Equifax, and XXXX have so many different discrepancies ' between all 3 accounts and information provided that it has been causing me hardship to obtain new credit or purchase a home. All information should be reported correctly between all 3 but none of it makes sense. I have tried numerous times to contact all 3 credit reporting agencies, but information still does not get updated correctly. As you can see from what I have attached below XXXX is giving me 3 different scores across 3 different platforms. Same is with XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: ALLY FINANCIAL INC.
State: MA
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 see repetitive 30 -60 days late marks which is a clear violation of my rights under the FCRA. I was never late on this account. What's the method used to verify this account? Please send me the documents that prove I was ever late.! Also, the date last active is inaccurate. All 3 dates should be the same.

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 2015-11-11
Company: SCOTTRADE BANK
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After my complaint to ConsumerAffairs on XX/XX/2009, I have filed my complaint to SEC on XX/XX/2009 to get their attention, because what Scottrade did might cause their customer loss like me. After Scottrade rejected my request for their response in writing ( They said that they only give me when SEC inquiry to them ), I faxed my written request to Scottrade branch and ask them to forward to their compliance department for writing their response. 

I have sold some of my stocks on XX/XX/2009 and sold all rest stock on XX/XX/2009. Those fund about {$3000.00} from sold stocks on XX/XX/2009 should be available in yesterday ( XX/XX/2009, XXXX ), but today ( XX/XX/2009 ) I have found that my fund is still not available to me due to Scottrade freezing those fund. I called Scottrade branch and they said that those fund should have available but then they changed to that my fund, including those sold on XX/XX/2009, will only available to me on XX/XX/2009 ( XXXX for my XXXX stocks selling ). 

Scottrade freezes all my fund without any legitimated reason. And I plan to pull all my fund out and to file a second complaint to SEC. I believe that this event should let all investors know, therefore, I file this complaint to ConsumerAffairs again.

Company response to consumer: Closed
Consumer complaint received 2015-11-20
Company: Empowerment Ventures, LLC
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX I had {$130.00} on my account ending in XXXX. I have XXXX rush cards ending in XXXX and XXXX. I was un able to access the amount on the card ending in XXXX so I initiated a transfer which did work to card XXXX in the hope that the other card would work. It did not work so I transferred the money back to card XXXX and I did this twice again between dates XXXX and XXXX. Rush sent me documentation regarding that transfer. I also attempted withdraw the money at an atm on XXXX and that did not work. A few days later I received documentation regarding the transfer and a notation that the transfers were cancelled. Rush also removed the {$130.00} from my account. That money has never been replaced, refunded or was it used by me. I sent in forms and disputes regarding the money and was told on XXXX that the decision was made that the money was non-existent and a balance error. I was also told that the money was put back into my account which is a false statement. As of this date their is no record of that money except for the email which was sent to me since Rush removed any accounting of the transactions or balance on that date as it stood on XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I was applying for re-finance for 15-20 yr. mortgage from Wells Fargo . the Principals I dealth with were XXXX XXXX, XXXX XXXX XXXX and and complaint dept. rep. XXXX XXXX XXXX XXXX. Interaction begain by phone starting around XXXX XXXX XXXX-XXXX XXXX. After paying {$540.00} home inspection for XXXX XXXX XXXX ( later re-funded after filing a despute ) the home has been financed thru Wells Fargo for past 10 yrs. we were advised by XXXX and XXXX that we were " near approval by the underwriters '' but would need to pay off several consumer accounts, they were specific about which ones to be retired totalling approx. {$2000.00} worth of payoffs which we did, only to be told finally that we could not be approved BECAUSE we did not show the above home as our residence on our filed income tax. At no time in the proccess were we told this would be a requirement! Please note that my drivers lic. does show the above is my legal address. We are an XXXX family and I am aware that this institution has a history of financial abuse toward minority clients. The re-fi was not approved.

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 2022-03-22
Company: Experian Information Solutions Inc.
State: SC
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 XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, Account # 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 an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-03-13
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 settled and account with XXXX XXXX and noticed the bureaus were still reporting the account with a lower balance but not a XXXX balance. This was settled and should have been deleted and had the bureaus actually investigated as requested this would have already be resolved.

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 2017-05-26
Company: BARCLAYS BANK DELAWARE
State: PA
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 XXXX XXXX, 2017, I took an XXXX XXXX flight from XXXX, XXXX to XXXX, PA ( flight XXXX ). XXXX charged me {$100.00} for checking a bag on this flight. I paid this fee by using my XXXX XXXX XXXX XXXX credit card, which is issued through Barclays Bank Delaware. XXXX lost my bag and it was finally returned four days after the flight landed in XXXX. I spoke with XXXX on each day to determine the progress in the search, and each time I was told that XXXX would issue a refund for the baggage charge. I was also instructed to contact the refund site for XXXX and explain the circumstances and request a refund. I did this on XXXX XXXX, 2017. I  did not hear any response from XXXX regarding my refund request so I contacted the XXXX/Barclays credit card issue to contest the charge. The credit card company told me that I had to deal with the XXXX XXXX company for the refund, and she tied an XXXX XXXX representative into the call. XXXX XXXX told me to submit another refund request. I told the credit card representative that I wanted to contest this transaction. The credit card representative refused to record a challenge to the transaction and again told me that I had to deal with the airline. The credit card representative told me that she could not record a challenge to the charge because the airlines had not guaranteed to deliver my bag as of any particular date ; I responded that it was implicit that it would not take four days to deliver the bag. I have spent hours on this dispute -- going back and forth between the credit card company and the airline. It is my understanding that I have the right to challenge a credit card charge and that XXXX/Barclays should have cooperated even though the dispute is with its affiliate, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I been a customer of rush card since 2009 I never had a problem until now I XXXX XXXX to my account now XXXX weeks later my account balance is XXXX I call every other day and they take my information and say they will call me back but no call

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-15
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To CFPB, My name is XXXX XXXX and I am following up on a complaint I requested about Midwest Recovery Systems ( MRS ), using fraud to put a collections account on my credit history. They do n't follow the FCRA law and the correct steps and procedures in the FCRA. They are saying this is from a pay day loan from XXXX in 2012. I have never applied or taken a payday loan in my life. I have also never been contacted by anyone regarding this account ever. I do not believe XXXX is even in business anymore. I want this immediately deleted off my credit report with all the XXXX major Credit Bureaus : It never should have been reported in the first place before having the chance to dispute it within the 30 legal days. I want proof of debt by providing the following : a ) proof of I.D provided at the time of account opening. b ) copy of signed contract ( not a signed application but signed contract ) c ) itemized statements of account activity.d ) itemized breakdown of how you came up with the balance owed. If this company should not resolve this in a timely manner, 30 days, I will pursue legal action as I take my credit very seriously. Only after immediate delete of the XXXX credit bureau and proof of valid debit I may be willing to discuss a resolution on this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
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: Investigation took more than 30 days

Complaint:
Experian has violated my rights, by not removing incomplete and inaccurate information on my credit report. I have sent 2 certified letters and proven to them that with in there system of validating the company information was not validated correctly. I started a dispute on XX/XX/XXXX completion date was for XXXX I call on XX/XX/XXXX, they informed me that an investigation was complete and all was validated. On my experian website it states that an update was completed on XX/XX/XXXX under the reinvestigation tab a statement was placed that reads " reinvestigation results '' this item is a result from your dispute on XX/XX/XXXX Experian claim that there has been 2 updates to my report regarding XXXX XXXX  but XXXX dose not report to Experian. The last update was in XX/XX/XXXX what made this so upsetting is I call experian, I called 7 time to resolve this. Representative huge up on me 3 times, and the few times I was able to escalate it to a supervisor I waa told to hang on and a supervisor would assist me, twice I was told they would call me back it never happen. The time I was able to speak with someone I spoke with a dispute supervisor by the name of XXXX no last name given she laugh at me, refuse to assist me, refused to transfer me to another supervisor, and hand up on me. The abuse of power they have over me is frieghting. My concerns where ignored. The information posted is inaccurate and even if they said it was completed with in the 30 day the report says something else I an enclosing report number XXXX it clearly shows status update XX/XX/XXXX on a Dispute I stated on XXXX with a completion on XXXX with an update in XXXX the 30 days expired an they claim its correct

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 2022-03-22
Company: EQUIFAX, INC.
State: AL
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 recently reached out to the bureaus and creditors regarding incorrect items on my credit report. I've been going back and forth for almost a year now and this is very frustrating that. My name is incorrect, my address is incorrect. I've opted out of having my information shared. I sent in letters from the bankruptcy court stating they are not reporting any bankrupt. I've tried disputing with letters and by phone but nothing seems to work. Student loan department have been reporting late payments when the account is actually in deferment. This is caused me quite but of XXXX. I would like only XXXX name and address on my report. I would like the XXXX to be deleted, XXXX was the only bureau who deleted the information. Equifax is reporting a collection with no contact information for me to see what exactly it is. They just send me letters saying this is verified. I'm not sure who verified this information if there is no creditor listed. XXXX XXXX Equifax is showing XXXX as a creditor one says a charge off and the other is current with a balance on XXXX and {$0.00} on the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: ACS Education Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have XXXX loans serviced by ACS Education Services -- a Perkins loan and an institutional loan. I am enrolled in the automatic ACH auto-debit program, a program which, as I understand it, is designed to assist in and ensure the timely collection of monthly payments. ACS has informed me that because I am enrolled in the ACH program, it is unable to generate monthly billing statements for my account -- either to be mailed directly to my billing address or posted on my secure online account -- prior to automatically deducting funds from my account. Such a policy prevents me from maintaining accurate and complete records and otherwise makes it difficult for me to manage my account and get timely information about my loan repayment. If ACS intends to automatically collect money from me each and every month, then at minimum, it should be required to provide me with a monthly billing statement without requiring me to un-enroll from the ACH program ( a program which is mutually beneficial to both the borrower and the loan servicer ). I further note that my other federal loans servicers besides ACS, namely XXXX and XXXX XXXX, are able to provide me with a monthly billing statement ( on their secure online portals ) without requiring me to un-enroll from their automatic debit programs. I am perplexed why ACS is thus unable to do so when other loan servicers do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently reached out to the bureaus and creditors regarding incorrect items on my credit report. I've been going back and forth for almost a year now and this is very frustrating that. My name is incorrect, my address is incorrect. I've opted out of having my information shared. I sent in letters from the bankruptcy court stating they are not reporting any bankrupt. I've tried disputing with letters and by phone but nothing seems to work. Student loan department have been reporting late payments when the account is actually in deferment. This is caused me quite but of stress. I would like only XXXX name and address on my report. I would like the XXXX to be deleted, Transunion was the only bureau who deleted the information. XXXX is reporting a collection with no contact information for me to see what exactly it is. They just send me letters saying this is verified. I'm not sure who verified this information if there is no creditor listed. XXXX XXXX XXXX is showing XXXX as a creditor one says a charge off and the other is current with a balance on XXXX and {$0.00} on the other.

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 2020-03-13
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: Their investigation did not fix an error on your report

Complaint:
Fraudulent account and have not been 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