BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today XX/XX/XXXX I went online to view my XXXX  credit report. I found several errors still that have not been corrected. I tried submitting a dispute online for all the errors. After putting in all the information for each one I received a submission failed message. This is very fustrating. The first item on my report is 2 inquiries from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. My credit was ran only 1x not 2x. It's showing as 2 inquires which affects my score. Another inquiry is XXXX XXXX on XX/XX/XXXX which I did not do. I have a XXXX XXXX card for a few years now I did not apply for another card. Another inquiry is XXXX on XX/XX/XXXX again I have a XXXX card for a few years and did not apply for another card. Having these 3 inquires on my report is affecting my credit score in a negtive way. I am also disputing again I do not have 2 auto loans. I only have 1 auto loan with XXXX XXXX XXXX. It is still showing from XX/XX/XXXX an amount of over {$4000.00}. This was paid when I re-leased another vechile with them in XXXX. We are in XXXX I have leased 3 times with them already and there is no balance. Having this {$4000.00} auto loan show is also affecting my credit score as it is showing more debt than I really have. I could not reach XXXX through telephone to dispute all this again all I get is they are busy and if I want to order my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is originally for a XXXX bill. It appears that in 2014 the was a lawsuit filed against XXXX for " cramming '' charges. This is where customers were charged for premium services without their knowledge. I was also a victim of this and this has also been validated ( see attached documents ). I have also requested my refund for this services as I did not authorize them. 

The amount of debt that I reportedly owe to Midland/XXXX has been rendered invalid due to this FTC lawsuit against XXXX and the fact that I was a victim of these extra charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Balance transfer

Complaint:
On XXXX XXXX, 2015 I did a balance transfer of {$19000.00} from my XXXX Credit Card Acct. to American Express. On XXXX XXXX, 2015 American Express sent me a letter stating that they were declyning the balance transfer of {$19000.00} from XXXX and returning the money back to XXXX. On XXXX XXXX, 2015, I contacted XXXX to ascertain if they had received the returned check of {$19000.00} from American Express and they stated that they had not received anything back from them. When I contacted American Express to inquire about this matter, American Express stated that the check had been sent back to XXXX and that I had to figure out where it went. American Express was unwilling to help me any further regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have Amex Serve and I 've noticed that as of yesterday at XXXX my card went from a positive balance to a negative balance with double transactions. I can not call customer service bc it says they are using technical issues and to call back later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
This is a follow-up to a previous complaint against UASXXXX. They asked you for 45 days to investigate, but they have turned the account over to a collection agency and ruined my daughter 's credit and mine as co-signer. She graduated XXXX, 2015. She has a 6 month grace period. She is not working.She has no income. I have no income. We are destitute. Life really has no meaning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I have made reasonable attempts to contact this agency to correct erroneous information on my report. To date I have not received a response

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have made reasonable attempts to contact this agency to correct erroneous information on my report. To date I have not received a response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Debt reporting on my Credit Report is not mine. I have no prior dealing with this company and with the debt that is attempting to be collected.

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 2016-10-03
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I keep applying for a dismissal and first they lost my paperwork and said it was n't in the system. I applied again and was turned down because my XXXX letter from social security said my review was every 3 yrs not XXXX plus years. I 'm a XXXX XXXX patient. I also sent in my income which is XXXX a month. I was told by XXXX if I get a part time job I 'll loose my Medicare. My meds are over XXXX a month. It took me 3 yrs. To get my Medicare because of my age. I 'm on XXXX XXXX. I also went to XXXX. That school closed long time ago. I 've rejected XXXX and XXXX I 'm fighting for my life. I ca n't pay this loan at all. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XX/XX/XXXX, disputed with a XXXX letter spring XX/XX/XXXXwas never sent any information on how the account was validated. Was sent a letter stating that they verified the information and wasnt going to remove it. Sent two request to validate verification process no resolution was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: MI
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 without any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 a victim of identity theft. Someone stole my personal information and identity to apply for numerous XXXX credit card account. The XXXX credit card accounts are fraudulent and unauthorized. I have never applied for a XXXX credit card account. The following XXXX credit card accounts ending in : XXXX, XXXX, XXXX and XXXX are fraudulent and unauthorized, and do n't belong 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 2015-12-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I had a savings account with American Express Savings Bank FSB. I requested for an account closure, however there was a remaining balance in the account. I have never received any of my money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel I am being taken advantage of and being looked over in my disputes in detail. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted the XXXX  data breach and may have got into 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 2020-08-12
Company: EQUIFAX, INC.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX XXXXo check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$540.00} XXXX   XXXX {$500.00} XXXX DOFED XXXX {$900.00} XXXX XXXX {$490.00} XXXX   XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have been using Western Union to send money to relatives in XXXX. For the quite a while now I have noticed that they started changing the information of when the transfer would be available to the receiver. They indicate to you prior to submitting the transfer, that it is a immediate availability to receiver transaction but as soon as you submit and pay, then they change that immediate availability to available for pick up at a different future date. This misleading practice is very unprofessional and upsetting. I have had to go through their complaint process twice already and both time they just respond that the transaction is then available at that time after the complaint. ( after the supposed immediate availability date has passed but before the date they informed after submitting the transfer. I have just placed a new transfer and again they are misleading consumers by selling you a product with immediate availability but as soon as you pay that changes to available at future date. 
( please see all supporting documents if I can upload documents on this complaint )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They never offered me anyloss mitigation or offered forebearance even after it was offered to other members. They refused my hardship. They've been really hard to deal with in that they won't wait for the mortgage assistance either. Also they talked about my foreclosure with my exes parents outside of my knowledge. Soliciting them to help me avoid foreclosure. Also they violated our member bank contract where they cashed checks out of my account that were not signed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
Hi, I am a Delta Sky Miles member and I received a promotion on XXXX XXXX by American Express through Delta Airlines newsletter, according to which : - I would get XXXX ( instead of XXXX ) bonus miles after spending {$1000.00} in three months ; - and XXXX miles ( instead of XXXX ) for each dollar spent with Delta ; if I would have applied to Gold Delta Sky Miles American Express card by XXXX XXXX. Therefore, on XXXX XXXX I applied and was approved for the credit card, but now American Express is not applying the promotion to my account. They are currently saying that I can not get the promotion anymore because I did n't click on the 'Apply Now ' within the promotional email. However, nowhere in the email they say that I have to apply through the email, because in any case both the email and the application are linked to my Sky Miles number. They first said that I should have spoken to Delta, but Delta is saying that the promotion is from American Express. Ultimately, the American Express representative said that she would have raised an inquiry and it would take between 6 and 8 months to get an answer, and of course in the meantime the 3 months period will pass by. 
I do n't feel treated fairly at since they are not honoring anymore a promotion I received from them and for which I applied by the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: AR
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:
DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$98.00} 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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$98.00} XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
This is my XXXX submission regarding Beneficial on different issues. They seem to respond only when I file with CFPB. We refinanced our Mortgage in XXXX to a local bank and still did not get the Released Deed of Trust. According to the new lien holders beneficial did not release the deed of trust and the payment has cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from identity XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXXXXXX XXXX {$540.00} XXXX   XXXX {$500.00} XXXXXXXX XXXX XXXXXXXX {$900.00} XXXX   XXXX {$490.00} XXXX XXXX {$150.00}

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from identity XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX  XXXX {$540.00} XXXX   XXXX {$500.00} XXXX XXXX XXXXXXXX {$900.00} XXXX   XXXX {$490.00} XXXX  XXXX {$150.00}

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 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
On XX/XX/2022 I reported to Transunion that data was missing from my Credit Report and that such missing data negatively impacted my Credit Scores. Transunion responded that I should have the creditor report the data to Transunion. I responded the data had been transmitted and appeared on the reports of 2 other credit reporting bureaus. Transunion informed me that there was little or nothing they could do. 

I added a statement to my credit report indicating that an additional {$74000.00} in Available Credit was not being reported by Transunion and that failure to do so was negatively impacting the reporting of ( XXXX ) Available Credit, ( 2 ) % Credit Utilization, and ( 3 ) Total Credit Score and XXXX Score. 

I feel T/U should either report correctly or not at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation