BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have 6 paid collection accounts on my report with XXXX  ( formally XXXX XXXX ),  two with XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. I have sent each collector a letter asking for proof that it was paid. I have also disputed the accounts with TransUnion, XXXX  and XXXX  to try and get the paid collections removed from my report. I am currently out of a place to live and I'm trying to get a house. I paid the collections in hopes that would get them removed from my report, but they are still reporting negatively and I am out of options, but to file with you. Below I have included letters I have sent to TransUnion, XXXX, XXXX, as well as the creditors of all of the collection accounts. I have also included pictures of how my accounts are reporting to the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 - RushCard notified me and other members to remove any funds from our accounts on Monday. Being as though I had no money in the account I disregarded the matter. My job would n't have posted my XXXX XXXX until the Following Friday, so in my mind there was no need for me to worry. 

XXXX XXXX, 2015 - RushCard posted my pending deposit to my account in the amount of {$1200.00}, but I was unable to access my funds because the card the money posted to was stolen. I tried to transfer my funds to another account, but system error messages on both the RushCard mobile app and website prevented me from doing so. 

XXXX XXXX, 2015 - I have tried to call RushCard several times about this matter and was told to provide my name, number, address, and someone will contact me. 

XXXX XXXX, 2015 to XXXX XXXX, 2015 - XXXX XXXX reached out to me via XXXX and told me to provide my name, number, and address and someone would reach out to me, I have called the customer service line and was told that same information days to follow, and I still have not received an answer. Every time I call now and request to speak to a representative the call disconnects. The website and the mobile app is still not working. I have not received no answer on when and how my issue will be resolved as of today XXXX XXXX, 2015.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2020-09-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
my last dispute it was with chase credit card. now they close my credit card, cause i haven't be available to pay cause the pandemia. so they just close that account they put it as charge off on my credit. now is affecting me .is not my fault everybody is having hard financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint myself to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and removed on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court

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 2022-02-24
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:
I, XXXX XXXX am writing this complaint today about my XXXX XXXX account that is reporting inaccurate information across all 3 credit bureaus. The account is posting as an delinquent account however, on my account all payments on this account since I had it from the beginning of XXXX have been on time with no late payments however, there is a 30 day late payment reporting for XX/XX/XXXX that is incorrectly reporting. I have never missed a payment o this card and I need this fixed as I am going for a mortgage loan and this incorrect information on my report is severely hurting my score where I can not get approved for my dream home

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 2017-05-01
Company: Experian Information Solutions Inc.
State: NE
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:
ON  XXXX   XXXX   XXXX   XXXX  DID A HARD INQUIRY ON MY CREDIT REPORT WHICH WAS UNAUTHORISED ... .IN TALKING TO THE AGENT I ASHED HIM IF HE WAS GOING TO DO A HARD INQUIRY AND HE ASSURED ME HE WOULD NOT.I HAVE BEEN WORKING ON THIS SINCE I FOUND OUT THIS HARD INQUIRY ON MY REPORT ... .I HAVE RECEIVED  XXXX  LETTERS FROM  XXXX  ASSURING  ME  THAT THEY WILL BE REMOVING THIS FROM MY  XXXX   XXXX  DATED  XXXX   XXXX   XXXX  AND  XXXX   XXXX  ... .I .ALSO HAVE HARD INQUIRY FROM   XXXX   XXXX   ... I NEVER DID TALK TO ANYONE IN THAT COMANY AUTHORIIZING A HARD INQUIRY ... ... PLEASE 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
Consumer complaint received 2022-02-24
Company: EQUIFAX, 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:
I, XXXX XXXX am writing this complaint today about my XXXX XXXX account that is reporting inaccurate information across all 3 credit bureaus. The account is posting as an delinquent account however, on my account all payments on this account since I had it from the beginning of XXXX have been on time with no late payments however, there is a 30 day late payment reporting for XX/XX/XXXX that is incorrectly reporting. I have never missed a payment o this card and I need this fixed as I am going for a mortgage loan and this incorrect information on my report is severely hurting my score where I can not get approved for my dream home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted a complaint, and the debt collection company sent over their " proof of debt '' but it is clearly a forged document. Page XXXX dates and property address do not match the remaining pages of the lease. This has been clearly doctored from a previous lease from years prior. Page XXXX of the lease is accurate, it was a month to month lease, so there is no reletting fee. These documents are pieced together from the lease that they are trying to collect on, and previous leases. This is fraud. There are also no invoices from the companies referenced on the statement showing services rendered. This should be removed from my credit immediately, from all XXXX bureaus. I also do not have a contract with the company that is collecting, and do not owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We closed on the sale of our home on XX/XX/XXXX. We are owed an escrow refund in excess of $ XXXX and when I called I was told it was issued to our new address ( verified 3 times ). After 3 weeks of no check, I contacted them to request another form of payment, and verification it wasn't deposited, required on their side, I understand. I called again to have someone update me when it would be reissued. Today they said the escrow balance is still in our account and it would take another 15 days to request a re-issued check. I've received several pieces of correspondence from the bank that the loan has been paid in full and it's been satisfactorily recorded/lien released. 

I also married and changed my name after I had my account for a year. I received correspondence in both my new name and former name for 3 years and after several calls was told the data couldn't be reconciled in their internal IT infrastructure.

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 2022-08-29
Company: Experian Information Solutions 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:
Account is still in dispute which is XXXX XXXX XXXX XXXX XXXX Send in important documents and they havent remove it and I never made payments on it according to the bank they were fake payments made by the fraudster and this account never been blocked before and they havent block it yet .. need some assistance from the fraud dept This is not mine fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: DISCOVER BANK
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I had raised a CFPB complaint for final disclosure documents, complain id : XXXX. I was only offered partial documents at the time. There were 3 loans that needed the final disclosure documents and only 2 were provided. I need the 3rd document. I have been waiting for over a year now for the third document but still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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: Account status incorrect

Complaint:
Hello Equafix will not remove This 6 items on my report from the fXXXX XXXX XXXX. I already worked very thing out with my lenders and My account is current closed or in a. forbearance agreement, i also have a XXXX payment balance with This accout Please help me!!!!. XXXX  all ready removed these items off my report now im just waiting for XXXX  to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: PACIFIC WESTERN BANK
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear CFPB, Please note the routing number on the payment form was NEVER completed by me and it was done by the title company. 

Now I have to waste my time to fix this, due to NO fault of mine. 

Also, I want to lodge a formal complaint about XXXX in XXXX XXXX and please let me know how this can be done. 

Thanks XXXX XXXX : XXXX XXXX XXXX Sent : Wednesday, XX/XX/2022 XXXX PM To : XXXX XXXX XXXX Cc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : RE : Borrower still due for XXXX Hi XXXX, Thank you for reaching back out with that updated ACH information. The NSF return is showing for NSF-Unable to Locate Account. This could be a servicing error or the borrower could have made an error on the ACH form. We dont have visibility as to the bank account information entered into XXXX system, but they would have set up the ACH to draft from the form we provided from closing.

It looks like the borrower has been unresponsive to 4 call attempts so far to a phone number ending in XXXX. Please have the borrower contact XXXX to resolve at XXXX or direct to their Account XXXX XXXX XXXX at XXXX or XXXX. 

Thank you. 


Best, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX www.civicfs.com ________________________________________ CIVIC FINANCIAL SERVICES XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: MD
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Experian Information Solutions 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:
I have attempted to get these 2 credit inquiries from XXXX off of my credit report the dates for the inquiries are XX/XX/2017 and XX/XX/2017. I disputed them XX/XX/2017 with XXXX and the credit bureaus. XXXX stated they do not have any inquiries in their system for those dates. I disputed them with all three bureaus and they stated it was accurate and to contact the creditor. I contacted the creditor prior to disputing with the credit reporting agencies they have no record of the inquiries. I am tired of going back and forth with these credit bureau agencies and I want these inquiries removed. I spoke with XXXX exec off speaking with XXXX XXXX at XXXX and he handles escalated situations and he informed me that the two inquiries are not in there system so there is nothing for XXXX to dispute on there end.

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 2022-08-29
Company: EQUIFAX, INC.
State: NC
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I mailed XXXX 2 notices via certified mail about an alleged debt. The first letter was mailed on ( XX/XX/2021 ) & I asked XXXX for the original instrument of indebtness so I can make arrangements for this matter. They did not respond to my first letter so I mailed them another notice via certified mail on ( XX/XX/2021 ) which they did receive but I never received a response to that notice as well ( Certified Tracking Number : XXXX ). Even though they did not respond to my letter they continued update my consumer credit reports by removing missed payment history, and still reporting these accounts to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Delinquent account

Complaint:
amazon/synchrony bank has robo calls and daily collections to my home and work as my last pymt wast made on XXXX XXXX and they repeated charged late fees before due date and have not responded to my letters to synchrony bank ; i have also sent emails to XXXX XXXX email requesting assistance in this matter. 

i suspect they have damaged my credit rating ; i have made several attempts to reach them by phone biut their atom ated system has no human connection option mr XXXX XXXX XXXX XXXX XXXX XXXX, mass 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 2022-08-29
Company: EQUIFAX, 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:
Again, I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please BLOCK the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and the Police Report that I have filed on my local police department. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. This has been my innumerable attempts to notify you that. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}

Company response to consumer: Closed with explanation