BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
I've sent several letters out to XXXX, Transunion, and XXXX regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX - XXXX Transunion - XXXX XXXX - XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation?

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 2022-09-08
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: Their investigation did not fix an error on your report

Complaint:
The accounts are still here and I am writing to dispute these accounts. I did not owe these debt and it does not belong to me. I never established these accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The accounts are still here and I am writing to dispute these accounts. I did not owe these debt and it does not belong to me. I never established these accounts. 
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 2022-08-31
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In 2014, I received a home improvement loan from Navy Federal Credit Union in the amount of {$20000.00}. 

On last month, I reached out get a payoff for the loan and the amount due was more than I originally received eight years ago. I spoke with several representatives asking for an explanation detailing how the current balance is more than what was borrowed. I asked for an audit of the account to be sent to me for to understand my indebtedness. 

As of today, I have not received any communication of any form regarding my account.

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: Experian Information Solutions Inc.
State: WI
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'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2017-12-14
Company: CORELOGIC INC
State: TX
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:
XXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX/XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXA computer glitch that was XXXX problem - not mine - caused my inquiries (most were fraudulent and unauthorized) to be deleted. Which they did not remove after I told them they were fraud. I just had paid off my car so why would I purchase another one?XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I explained that these inquiries add a hardship and that my rights were violated by XXXX. I’m asking CFPB to help my make XXXX stop victimizing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
After disputing this account with ( ERC  ) Enha nced Recovery Corporation, ERC sent me a letter dated  XXXX   XXXX   2017, sta ting they have " requested for the  XXXX   XXXX  account to be deleted from any consumer reporting agency files to which they  may have submitted information to ''. I have attached the letter in this complaint. I sent this  letter to  XXXX  and they refused to delete this collection tradeline from my report.  XXXX  stated that ERC does not want and have not requested for this account to be deleted as ERC promised to do in the letter that was sent to me.  XXXX  stated that they can not honor my request even with the letter since ERC did not submit a deletion of request to them. They are going back on their word even after notifying me that they have requested for this deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: AES/PHEAA
State: FL
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:
AES ( American Education Services ), has an online portal for COVID-19 relief for borrowers, which, despite passage of the CARES Act, still advises that all interest on my federal student loans, will be accrued and capitalized during the forbearance period. Per the language of the recently passed CARES Act, '' Loan Payment Suspension : Suspends payments automatically for federal student loans through XX/XX/2020, with no interest accruing or penalties during the period of suspension. '' So the information on the AES website is misleading, confusing and incorrect as it pertains to students with federally backed student loans. I think AES should have to demonstrate why they still are communicating inaccurate information on its website to customers, despite the passage of the CARES Act as of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Client Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Client Services has repeatedly called me at all hours of the day, nearly every day, since XX/XX/2022. I have blocked the multiple phone numbers that they use, and have told them to stop calling me. They have yet to do so. If needed, I can provide receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
American Express ( AMEX ) is charging me {$3000.00} in fraudulent charges. While I was in XXXX, my colleague and I visited XXXX of their night clubs. I received my bill for {$1600.00} and paid it with my XXXX credit card. After talking with the management about the service that I received, they agreed to reduce my bill and charged by AMEX {$1200.00} and told me that they would void my XXXX transaction. Which they did n't and I had to file a separate dispute with XXXX, who immediately credited my account. My colleague received his bill for {$3000.00} and was unable to pay it due to not alerting his credit card companies that he was over seas. After multiple hours of waiting for him to settle his bill by talking to the credit card companies over the phone, I finally agreed to pay his bill so that we could leave. The night club charged me {$3000.00} and then {$2600.00} for the same bill. As soon as I received my alert from AMEX on my phone I immediately called and told them that this club had XXXX charged me. AMEX claimed that I had to wait for the transaction to post before I could dispute it, in case it was simply a hold placed on the card while they checked to see if the larger transaction would go through since my colleagues cards had been declined. Once the transaction posted, I disputed the charge for {$2600.00} and was denied. I then thought that perhaps the {$3000.00} was the fraudulent charge and disputed that, again they denied me. Next I showed them how XXXX receipts had the exact same service listed and again disputed XXXX of the charges and they still denied me. None of these times was I ever contacted my AMEX or explained why they felt that these XXXX charges were valid. For a company that actively promotes their protection against fraudulent charges, I was extremely disappointed. Especially since I was willing to pay the other XXXX charges without any problems and have done a lot of business with AMEX over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Dear Sir/Madam, I 've sent my money {$820.00} to XXXX XXXX, XXXX XXXX XXXX, City : XXXX, State : XXXX, Zip Code : XXXX, USA by Money Gram. This address gave another person : XXXX XXXX, who works at XXXX XXXX XXXX XXXX, born Monday, XX/XX/XXXX, Age XXXX, from XXXX, XXXX. 
I 've sent the money to purchase XXXX laptops by XXXX from XXXX XXXX, XXXX. 
But money arrived and I did n't get not my laptops and not my money back. 
XXXX asked me for more money. I refused. She is not responding any more. 
XXXX name : XXXX, tel. No. : XXXX. 
I am XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Financed new car with Hyundai Motor Finance in XX/XX/XXXX. Sent payoff to them in XX/XX/XXXX which was overpaid by {$510.00}. They sent a check in XX/XX/XXXX for the overpayment which had been voided when I received it. I have called multiple times to ask why check voided with no answer to date. Also have asked for reissue of check. As of today XX/XX/XXXX there has been no reissuance check for the overpayment. The company just says they will look into it. I would like my refund

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 2016-11-24
Company: A & E Futures LLC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original bill was XXXX dollars which was paid at the office once I received my treatment ... .it 's their policy prior to being treated is to pay prior to Service ... .however the company sent me a XXXX dollar Service Bill ... knowing I paid at the office, I disputed the Bill ... .and the company continued senting bill and started adding finance charges, whereas over XXXX dollars in finance charges were added

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: SYNCHRONY FINANCIAL
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:
My original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. SYNCB/XXXX, Inquiry Date : XX/XX/XXXX XXXX. SYNCBXXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2022-09-08
Company: AmeriCollect
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A medical facility billed us in arrears for a medical office visit. The amount that they billed was far in excess of the amount stated by the staff when we showed up. I have refused to pay due to the fact that their error is what caused the higher balance. I have tried to resolve this matter with their collection agency, AmeriCollect. directly and have had no luck in getting it resolved. I have properly sent them a dispute letter within the 30 day period, yet they still submitted a negative mark to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed a dispute with Equifax because of inquiries I saw on XXXX XXXX that were not mine. Immediately the next day I receive a report from Equifax stating the inquiries are factual and mine. There was no way less that twenty-four hours of submitting the inquiry dispute for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX could have been disputed that quickly. I have the right under the FCRA to dispute with the credit bureaus any inaccuracies. I already contacted the organizations which also directs you back to the credit bureaus. Equifax is refusing to dispute on my behalf. I submitted twice and they sent the same message immediately saying the inquiries belong to me when they do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I wrote to Capital One asking them to verify this debt by sending a 1099-C since the debt was charged off, A credit card company is supposed to issues a 1099-C once it believes the money will not be paid back and it will be stopping its direct collection efforts to try to get you to pay back the money. The 1099-C form is issued for debts with an outstanding balance of {$600.00} or more. Capital One responded on XX/XX/2022 saying that the debt had been sold to another company ( XXXX XXXX XXXX XXXX XXXX ). I don't understand how this is legal. Their tactics are illegal and against the law and I don't have time to keep chasing down debt collectors if they are unable to provide proof then it needs to be deleted off of my credit history. This is stopping or holding me up from filing taxes and I have very limited time also obtaining any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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: Account status incorrect

Complaint:
XXXX ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these lates however, I have not been successful.

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 2017-03-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This has been an ongoing issue in which I have tried to resolve for several years. Equifax failure to properly investigate an item appearing incorrectly on my credit report has created significant XXXX and a financial burden. Specifically, there is an account with XXXX that shows as a charged off account. This account does not belong to me. This account was opened fraudulently. On my credit report it shows that the account was transferred or sold, has a XXXX credit limit, XXXX payment amount, XXXX high credit. I have asked Equifax to provide information on how this account was verified. It shows a payment in 2010, I would like to know who made the payment and how the payment was rendered. This will assist me in tracking down who stole my identity and opened this account. Equifax has refused to furnish this information. It is impossible to have an account with a XXXX credit limit, XXXX balance, and XXXX high limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX  and XXXX  and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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