BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My name is I am filing a complaint on my own behalf I am not a party or an attorney. I have a few accounts that are showing me at XXXX days late and at the time my income was affected by the XXXX shutdown. I am aware that the XXXXwas allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXXXXXXXXXX XXXX  XXXX # XXXX dates XXXX, XXXX, XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX XXXX LATE # XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dates : XXXX - {$150000.00} deposit from XXXX XXXX XXXX XXXX - Account Frozen, Email from AMEX Stating " Security Measures '' were taken with my account. 
XXXX - 1st Attempt to Un-freeze Accounts, services unavailable on the weekend XXXX - XXXX Attempt to Un-Freeze Accounts, 1st AMEX Agent " initiates 3-5 Day transfer '' after resolving security issue XXXX - 2nd Attempt to Un-Freeze Accounts, 2nd AMEX Agent " initiates '' funds transfer after resolving 2nd security issue XXXX - 3rd attempt to un-freeze accounts, 3rd AMEX Agent states no transfer initiated, and will now initiate a 3-5 Day transfer XXXX - 4th follow up on issue, account still frozen, 4th Agent states no transfer initiated, and requests biometric security verification prior to initiating transfer. States a supervisor will be made available in 2 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: Experian Information Solutions 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$290.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXXe is still trying to hold me accountable for a company Doc u tax .that was suppose to work on my back taxes and didn't complete my taxes and it caused me to get a wage garnishment. XXXX XXXX reported this to the credit bureau and this is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I believe that they have been foraging paperwork for over a year now, and I need someone to look at this for me. My bank statement reflects that I made a payment of {$1000.00} on XX/XX/XXXX however Title Max and XXXX is claiming that I have a late fee or a late payment that was due on XX/XX/XXXX. How can this be so when my bank shows that I paid {$1000.00}. Not only this with the documents were forged in a different amount than what I paid when I called to ask them about this to try to have it rectified, because I still want my loan to be paid off the person on the other end of the line shows to speak to me, like some sort of XXXX, and ended up putting my account in default when it should not be. I am seeking assistance on this as I feel that paperwork has been forged for almost a year now. My account XXXX show as Current as of XX/XX/XXXX. I will not be making any payments until this is fixed. I would like to look into all the money that they have been taking from me each time I signed their forged paperwork over the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
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: Information belongs to someone else

Complaint:
XXXX XXXX added an account to my report that I was never notified about. The did not provide any letter to me notifying me of tis date. If they are contending that they did, I would like a Certified Mail return receipt validating same. This account is inaccuratley being reported on my XXXX and Transunion reports. The most accurately reporting report would be my XXXX repot, which does not have this account listed. I have no knowledge of this account and ask that it be removed immediately as I was never notified in writing of this 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 non-monetary relief
Consumer complaint received 2023-08-01
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: Information belongs to someone else

Complaint:
I am writing to file a formal complaint against Equifax regarding an ongoing issue with the reporting of an account from XXXX XXXX  on my credit file. The case number for my previous complaint is XXXX. Despite providing the necessary documentation and following the guidelines set forth by the FCRA, the account in question remains on my credit report, even after Equifax 's initial response stating otherwise. 

On XX/XX/2023, I submitted a complaint to CFPB about Equifax, stating that the account from XXXX XXXX  appearing on my credit report was a result of identity theft. To support my claim, I included a detailed identity theft report and an official police report, as recommended by the relevant credit laws. My intention was to rectify this issue promptly and protect my credit profile from any further harm. 
On XX/XX/2023, I received a response from Equifax, Case # XXXX, in which they stated, " Please be advised that Trade : XXXX XXXX  is not reporting on your credit file. '' Despite this assurance, I regret to inform you that, as of XX/XX/2023, the disputed account continues to appear on my credit report under the closed accounts section. 

I urgently request a formal and complete deletion of this fraudulent account from my credit report, as previously stated by Equifax. Reporting identity theft accounts is a matter of utmost importance, and prompt resolution is essential to safeguard my financial well-being. The extended duration of over XXXX months to address this matter is deeply concerning and has caused significant distress. 

To assist you in investigating the situation, I have attached the following documents : 1. A copy of my most recent credit report, clearly showing the erroneous entry from XXXX XXXX. 
2. A copy of the police report documenting the identity theft incident.

3. The previous correspondence from Equifax, which falsely indicated that the account was not reporting.

I sincerely hope that you will take swift action to rectify this situation and ensure the immediate removal of the erroneous account from my credit file. I trust that the Consumer Financial Protection Bureau will prioritize this matter to protect consumers from the impact of identity theft on their credit histories.

Please feel free to reach out to me if you require any additional information to expedite the investigation process. I look forward to a prompt resolution to this complaint.

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing sent me a first notice of default, filed on XX/XX/. The notice states that I failed to make my mortgage payments of {$2300.00} for the months of XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX totaling the amount to {$11000.00}. I was very skeptical about the amounts and months they stated I missed, but because I had 10 days to pay this amount, I didn't have time to look deeply into the amount they stated I owed. I had 10 days from XX/XX/XXXX XXXX which was XX/XX/, to cure the default. I sent a payment in the amount of {$11000.00} to Shellpoint Mortgage Servicing and they received it on XX/XX/, curing the default. 

My lawyer spoke with me on XX/XX/, and informed me that she received a package from Shellpoint Mortgage Servicing dated for XX/XX/, that states " As of the date of this letter, your account is 3 payments past due, total amount of past due payments : {$6900.00}. '' My lawyer informed me that this is very strange because she received the Withdrawal Notice of Default and 3 days later, received a letter stating that I am 3 months behind. '' She informed me that this is not uncommon for Shellpoint Mortgage Servicing as they tend to add unexplained hidden fees. Explain to me how you all received {$11000.00} on XX/XX/XXXX XXXX XXXX curing the Default to now 26 days later I am 3 months behind owing {$6900.00} all in the month of XXXX. 

After speaking with my lawyer, this is when I knew that Shellpoint Mortgaging Services was doing Fraudulent activity. I also checked my online statement dated XXXXXXXX XXXX and it states that the total past due is {$8800.00} in which you have included unexplained fraudulent legal fees for {$1900.00}. 

I have sent my XX/XX/ XXXX  Payment in the amount of {$2300.00} and I only owe for the month of XXXX. Even if you were to " hypothetically '' state that I am behind for XXXX and XXXX, the fact of the matter is that none of these numbers are adding up to my actual mortgage payment which is why I know Shellpoint Mortgage Servicing is conducting fraud. 

These notices and false claims are very concerning. After looking up the reviews and negative complaints along with several lawsuit settlements from Shellpoint Mortgage Servicing addressing this same issue, I am very disappointed, and furious that my mortgage was transferred to this company. 

I am requesting that Shellpoint Mortgage Servicing sends me a copy of all my payments that I have made since my mortgage was transferred from XXXX XXXX XXXX. I am also requesting a breakdown of the unexplained legal fee that was added to my XX/XX/, invoice, and a breakdown of all the unexplained fees that Shellpoint Mortgage Servicing has added to my previous invoices. 

Enclosed I will be adding documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I received a copy of my credit report from Trans Union. I sent them a certified letter ( which I am providing as well as the letter ) on XX/XX/23 ( delivered XX/XX/23 ) as well as a second XXXX on XX/XX/23 to let them know they are reporting inaccurate information on my credit report. According to the FCRA, I have the right to an accurate credit report. There is a collection account XXXX XXXX XXXX # XXXX that they are listing on my report after ( investigating which I wasnt sent exactly how it was investigated ) that is showing OPEN and also shows a PAST DUE amount of now XXXX, as well as a balance of XXXX. I REQUESTED THIS BE DELETED FROM MY REPORT AND A COPY SENT TO ME REFLECTING THE DELETION OF THE ACCOUNT. Its very frustrating trying to keep up with my credit report and trying to resolve inaccuracies, yet feeling as though even when I reach out Im still not being provided with accurate reporting. Ive asked multiple times and now feel theres no other choice but to take more action.

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 2022-11-03
Company: EQUIFAX, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
As of my XX/XX/XXXX statement, I was carrying the following balances listed in the " your finance charges '' section of my bill : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00} Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$1400.00} That month I made a payment of {$7000.00} on XX/XX/XXXX so that I could open up more credit, because I did another transfer taking advantage of the offer I still had for 0 % until XX/XX/XXXX. I did the transfer for {$5800.00} on XX/XX/XXXX during the same billing period as the {$7000.00} payment. 

Instead of applying the payment to the previous purchases balance I was carrying, PNC applied the payment to the balance I had just transferred 2 weeks prior leaving me with the following balances listed on the XX/XX/XXXX statement : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00}, so no portion of my payment was applied to this balance at all. 
Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$770.00}, so {$620.00} was applied to this balance Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) XXXX. This is the promotion I had just done during this billing period for {$5800.00}, so {$2900.00} was applied to this balance. 

I made a payment of {$190.00} on XX/XX/XXXX, thinking that my balance was under a promotional period and that I had time to continue trying to pay this down at 0 %. 

Then on my XX/XX/XXXX statement, my new balances were : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00}, still no portion of any payments was applied to this balance at all. 
Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$320.00}. This is the promotion I had just done on XX/XX/XXXX for {$5800.00}, so another {$2600.00} was applied to this balance. 

Then finally in XXXX, my balances were : Purchases {$7000.00} meaning {$21.00} was finally applied to this balance after the promo period ended and I was now charged {$100.00} in interest charges. 
Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$190.00}. Again, this is the promotion I had just done on XX/XX/XXXX for {$5800.00}, so another {$130.00} was applied to this balance. 

So I was charged {$290.00} balance transfer fee in XXXX only to have all my payments be applied to that transfer as well as a lower balance transfer ending more than 12 months after the purchase promotion that was not having payments applied to it at all. I know this organization is here to try to protect us, and I have never been more confused or felt more taken advantage of by a credit card company since my first card 19 years ago. Please consider helping me and others, since am sure they are doing the same process to other accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
Company: Blackhawk Network Holdings Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased XXXX gift cards totally {$250.00} from Nordstrom 's ( XXXX, Utah store ) on XX/XX/XXXX. I have an XXXX receipt confirming the charge. 

I was able to use XXXX out of the XXXX. The remaining still shows the original amount of {$50.00} dollars when I go Nordstrom 's website to verify the amount. However, the store has a block on it. I have spent over XXXX hours of trying to get it unblocked by either visiting the Nordstrom store I bought it or on customer service. When I go to the store they tell me to call customer service. When I call customer service they tell me to go to the store. 

In my opinion this amounts to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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