BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX has failed to do a proper investigation and independent investigation. Ive sent several certified dispute letters regarding the inaccurate late payments. XX/XX/XXXX is 30 days late, XX/XX/XXXX is 60 days late, XX/XX/XXXX is 90 days late, and XX/XX/XXXX is 30 days late. 

I've asked for proof that I was late the month XXXX XXXX has reported but they fail to reply to anything.. XXXX XXXX simply ignores my disputes. They think they are simply above the law and they can just ignore it. 

Violation & Inaccuracies Failed to enter the Notice of Dispute within 30 days It is a Violation to report a {$500.00} Credit Limit on a account that has been closed since XXXX The XXXX XXXX Said the account is reporting certified accurate AND correct information. But how can this account be accurate when this account has been disputed XXXX consecutive months yet the " Status Date Updated is XX/XX/XXXX. '' That's impossible to be reporting Certified accurate VERIFIED information WHEN THE STATUS DATE HAS NEVER CHANGED XXXX SO THAT MEANS THIS ACCOUNT HAS NEVER BEEN independently INVESTIGATED. VIOLATION OF SECTION 623.

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 2018-05-30
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I requested a copy of my online application used to get this credit card XX/XX/2016. 
Did not receive it. 
I would like a copy of my online application used to get this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX  data breach and may have gotten in the wrong hands.

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 2020-12-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5100.00}, {$2200.00}, {$9600.00}, {$4100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- XXXX XXXX 4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2017-10-13
Company: Experian Information Solutions 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:
On XXXX XXXX, XXXX I contacted Experian regarding several medical collection accounts by XXXX XXXX XXXX appearing in my credit file. I have requested that Experian disclose to me all of the documents that they have recorded and retained in their file verifying that these collection accounts belong to me. On XXXX XXXX, XXXX I contacted Experian again requesting the same information and asked for the names of the representative they spoke with to verify this information. On XXXX XXXX, XXXX I mailed Experian proof that there is know way they verified this information, due to the fact that XXXX XXXX has no record of these accounts. On XXXX XXXX, XXXX I received a letter from Experian stating they are still investigating my dispute. But they had already sent 2 letters stating this information had been verified, so all they have to do is look in their records and advise who they contacted and send me the information. Experian has had since May to verify this information and send me the documentation. Now today I check my credit score with no changes my score has dropped XXXX points. I am working hard to clean up my credit, pay accounts on time in order to purchase a home for my family. If you look at my credit file you will notice payments on time, utilization is down. Then for Experian to drop my score because of these unverified medical collections is unfair and unethical.

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 2016-12-28
Company: SUNTRUST BANKS, INC.
State: NY
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fees

Complaint:
I possess a Sun Trust Visa Prepaid Gift Card in the amount of {$120.00}. I have never activated or used this card. The Card does not expire until XXXX2019. I should have a balance of {$120.00} on the card as it has never been activated or used by myself. However, SunTrust Bank has taken {$100.00} in fees for from the card before I have even used it. There is now a {$25.00} balance on the card due to fees that were taken without my knowledge or authorization. I am very upset and perplexed and I feel that this is immoral, unethical and theft of services on behalf of SunTrust Visa. I never entered into or signed any legal contracts agreeing to the terms and conditions of this card. I was not aware that funds would be withdrawn from the card by the bank until I checked the Balance on the card. The Bank was paid in full by the purchaser of this card and now they are taking the funds back for absolutely no reason. The Bank received the amount of {$120.00} from the purchaser and they are taking the money that they have already been paid. I find this to be a travesty and illegal. So now the Bank is making {$240.00} from a card that is worth {$120.00}. How can they sell the card and then take the money back. The card does not expire until the year 2019. I have never activated nor used the card. So why have the fees been taken? This is a travesty and unethical for the Bank to take Fees on a Card that was Paid for. I should not be penalized for this. I have tried to speak with a Supervisor who claims there is nothing he can do for me so I am filling this complaint. It is with great hope that Justice will prevail in my favor and that the funds will be reimbursed to 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 2020-12-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a victim of identity theft. I submitted a dispute to Experian on XX/XX/2020 disputing a few inaccuracies on my credit report. Experian failed to provide any results into my investigation via mail within the 30 day allotted by law. On XX/XX/2020, Experian sent me a online notification via my Free Experian account informing of an " Update ''. I NEVER received any " Dispute Results '' to date. They are notorious for disregarding consumers and not investigating these issues in a correct and ethical manner.

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 2016-03-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, is not my debt. I have spent countless hours and dollars seeking a resolve. The initial police report was filed in XX/XX/XXXX, since that time XXXX more reports have been filed. It appears when my information was stolen those persons secured debt via loans and health care services in my name. I have attached the report filed in XX/XX/XXXX. The persons are still using my information, as it related to one of the theft incidents ; XXXX County has made XXXX arrest. The XXXX County Police Department has advised me to contact you again, along with the social security XXXX, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items listed should be blocked and deleted : Delete the information reported by XXXX XXXX XXXX, ref number 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 2017-01-05
Company: Credit Karma, LLC
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I got an alert for a new employer listed and I am currently self employed. I need more information and Credit Karma has n't provided anything other than XXXX XXXX, 2017 XXXX XXXX as the new employer which is not me or my employer

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been using XXXX XXXX Bill Pay to make payment on my loans with American Education Services for a number of years without issue. XXXX in a row AES has failed to process the payment correctly. Their proof of payment process takes XXXX business days, during which they continue to call, email and send letters to you and your co-signer. They have no way of processing it faster or putting your account on hold or in a disputed state to at least temporarily halt the calls, emails and letters. The only way to halt the calls, emails and letters is to make an additional payment. If you do n't it may negatively affect your credit score. Emails they send come on the weekend when there is no service agent to talk to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
Company: EQUIFAX, INC.
State: SC
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:
Reported to Equifax that the information reported does not belong to me. This includes my birth year, other address, and some accounts. Have also reached out to the companies for validation and the were unable to send me any validations that these accounts belongs to me. Equifax has not updated me or contact me that they have corrected this information. The inquires I contacted the other party and they advised me to reach out to Equifax and the other bureaus to remove and vice versa Equifax and the bureaus said the same thing the other parties stated to contact. Please remove those inquires. Please see the attached documents that was sent to Equifax by fax and mail to correct any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Credit Karma, LLC
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
my info does not match up with my social security number and i put in all of the correct information in and i still cant access my account

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am XXXX XXXX XXXX veteran permanent and total. I no longer have to pay property tax in state of Texas. Quicken loans was noticed by the state and they sent me a letter stating I am owed a refund of XXXX. The state told them for 2020 I no longer pay tax. My monthly payment had me paying XXXX dollars for property tax at 12 months that is XXXX. I have asked quicken loans to re run the numbers and I am getting the run a round. Also I am in forbandance I own XXXX and they said they can not use the money in my overage to apply to what is owed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Zenith Financial Mortgage Company, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I am contacting you to report a mortgage company, Zenith Financial of taking advantage of my XXXX-year-old mother XXXX XXXX and myself. They broke multiple federal laws including the XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: TJC Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Mortgage company did not have closing docs ready for closing and funding. They had 2 months to get Buyer approved on a VA Loan and Closing had been set for 2 weeks evening before closing Title company calls and informs me they do not have closing docs and we have to reschedule closing. Sellers had already moved out of the house, had their possessions on a moving truck and spending the night with family as they had to be out of the house before closing. The Sellers have a premature baby and did n't need to upset her schedule any more than was necessary. Sellers of the house they are purchasing would not let them move into the house until it was funded even though they had signed all papers and presented the cashiers check. So they were out with nowhere to go until the closing Docs and funding could be rescheduled. The sellers were completely helpless even though none of this was their fault. Then closing was set for the next day and closing set for XXXX XXXX, the buyers would not close until XXXX so funding can not take place for another day while the sellers ( a XXXX Vet. ) and a premature baby are waiting still with no home and all their possessions on a truck. We were promised that the Cds would be ready on XXXX XXXX, the contract closing date, but that did n't happen, we were then told the CDS would be at title company later in the day and funding would take place. That did n't happen either. I still do not know if this loan will close tomorrow or not. I do not believe anything the Mortgage Broker says now. 
Mortgage Broker had the sellers Spouse removed from the contract. 
which had to be added back to the contract before closing could take place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 seeking assistance Im removal inaccurate information listed on each credit agency This may be result of theft that include to my wallet that was stolen around XXXX XX/XX/2021. These debtor accounts are new I have never done any business with this company nor do I have any debtors of these creditor or address listed on Transunion, XXXX and XXXX credit agencies reporting new accounts open in 2021 .Creditors XXXX XXXX XXXXXXXX credit card and other personal loan is fraudulent accounts XXXX XXXX XXXX also multiple named XXXX, XXXX and XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX -All fraudulent personal information added to my credit reports. Any or all data input regarding this address is not valid and without my knowledge or consent. Thank you

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 2016-12-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a hospital bill from XX/XX/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a XXXX to a XXXX. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is {$780.00}, not {$790.00} as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this drastically affects me in a negative way. thank you Old address XXXX XXXX, NJ XXXX New address XXXX XXXX, NJ 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 2016-07-21
Company: 1st Franklin Financial Corporation
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
XXXX APPLIED FOR A LOAN WITH 1St FRANKIN FINANICAL IN XXXX XXXX, XXXX. THEY APPROVED ME FOR THE LOAN OF AROUND {$600.00}. MY FIRST PAYMENT WAS DUE XX/XX/XXXX AND I WAS UNABLE TO MAKE THAT PAYMENT DUE TO JOB LOSS. THE COMPANY THEN STARTED TO MAKE HARRSING PHONE CALLS TO ME, MY FRIENDS, AND FAMILY. WHILE LOOKING FOR A JOB I REVIEWED MY CREDIT REPORT THAT 1ST FINACIAL MADE, XXXX UNAUTHORIZED HARD INQUIRES ON MY CREDIT REPORT. XXXX WAS ON XXXX XXXX, XXXX AND ANOTHER XXXX ON XXXX XXXX, XXXX. THEY DID N'T HAVE THE APPROVAL FROM ME TO PULL MY CREDIT AT THAT TIME. THEY PULLED DOWN MY CREDIT SCORE AND I THINK THAT IS NOT LEGAL TO PULL MY CREDIT WITHOUT MY CONCENT. I 'M STILL WITHOUT EMPLOYENT AND BY THEM PULLING MY CREDIT WHEN THEY WANT TO JUST BECAUSE THEY HAVE MY INFORMATION IS UNFAIR FOR THE CUSTOMER. THEY ARE REALLY LOWERING MY CHANCES FOR ME TO LAND A JOB BY PULLING MY CREDIT AND LOWERING MY SCORE. I 'M SURE I 'M NOT THE ONLY ONE THIS HAPPENED TO. THIS COMPANY NEEDS TO STOP THE UNFAIR COLLECTION PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Mr. XXXX XXXX of the Bank of America branch in XXXX, New Jersey called me this morning XXXX XXXX and promised that all the over-draft charges at {$35.00} a piece for a total of {$140.00} would be removed as I have overdraft privileges by the end of business on XXXX XXXX. They have not all been removed. Three remain. He lied! 

I have overdraft privileges and so these overdraft charges should never have been made! 

Mr. XXXX also said he " escalated '' the matter but the said overdraft charges remain! 

I can not, therefore, use my checking account!

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