BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have repeatedly attempted to rectify my identity theft issues with the CRAs and they continue to willfully non-comply.

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 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
INQUIRIES WERE REMOVED AND LATER RE-INSERTED WITHOUT NOTICE OR EXPLANATION. 

XXXX XXXX -- -XX/XX/XXXX. 
XXXX XXXX -- -XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. 
XXXX XXXX -- -XX/XX/XXXX, XXXX XXXX, XXXX. 
XXXX -- -XX/XX/XXXX. 
XXXX -- -XX/XX/XXXX, XXXX XXXX, XXXX. 
XXXX -- -XX/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
Consumer complaint received 2017-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
They re-inserted XXXX inquiries that had been previously deleted and old debt

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 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I would like to have them removed because they causing me financial and emotional distress because of their derogative nature.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: GA
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've identified all things in my report that I did not consent to.

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 2015-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
" This is not a duplicate '' I filed a complaint with the CFPB on Attorney General and XXXX XXXX XXXX XXXX, after disputing the debt collection practices by the Attorney General and XXXX XXXX XXXX it was agreed that the debt be written off due to improper collections. On XXXX/XXXX/14 at XXXX the XXXX XXXX the dispute to XXXX XXXX XXXX XXXX XXXX the dispute. On that same day XXXX XXXX XXXX reported XXXX of those collections on my Transunion Credit Report. For months this has affected my credit and other litigations with in my processes. On XXXX/XXXX/15 I spoke with the Attorney General XXXX XXXX XXXX about the credit reporting, he stated that it had been written off. I had mentioned to him about the XXXX fair credit reporting act violation that were placed on my Transunion credit report. He stated that the Attorney General has nothing to do with those reports that it was XXXX XXXX XXXX I then asked if XXXX XXXX was n't hired by the Attorney General as a third party to collect on the debt. Thanked him for his time and then called XXXX XXXX XXXX XXXX to question the Fair debt collection practice and the Fair credit Reporting Act. I spoke with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, stated that " they were written off on XXXX/XXXX/14. After giving XXXX XXXX XXXX to correct the issue I had to file a dispute with the Transunion Credit reporting Agency, after investigations the Transunion Credit Reporting Agency removed the false reports from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
You need to adjust my credit score based on this fraudulent credit card XXXX XXXX. 

Based on the recommendation of XXXX XXXX, I applied and was approved for a credit card woth XXXX  XXXX. The first month I went over the limit XXXX XXXX deducted my credit score by XXXX points. 

However, my first payment was due on XX/XX/XXXX, XXXX XXXX XXXX called and harrassedy phone on XX/XX/2022. 

I said my payment is due on XX/XX/2022. Then I hung up the phone. That same day, I made a payment of {$79.00}. No one bothered to adjust my credit score for that. 

With that said, I'm going to pay that card off in XX/XX/2022, send a copy of this email and report this company to the Consumer Financial Protection Board, and my Congress members. I want to let them know how consumer 's are being treated in regards to credit. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
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:
For starters this is my second complaint. I have submitted many letters and spent a lot of money to send letters via certified mail. I have been requesting that this credit reporting company provide proof of accounts they claim they have verified. I have not received any physical paperwork/proof that backs up their " findings ''. In addition to the creditors not sending me any proof. I have made many attempts trying to request proof with my signature and contract that i am accused of having with these creditors. These disputes have been going on for at least 2 years with no proof. When i submit a request via certified mail it seems as if they don't even investigate just say. Even more with me. I think since i made a complaint before this company is retaliating against me by not removing the incorrect information off my credit report and not providing proof with my signature. As a consumer who has access to only so much, the credit bureau has the upper hand/ power and they use that to their liking. I do not know what else to do. Who else can i complain to to get this information corrected on my report? Who else handles disputes with credit bureaus about not getting proof of accounts that they claim were verifiable? Who do i complain to if the company has been retaliating and my issues are not being addressed properly. These creditors are as followed XXXX XXXX XXXX Don't have contract with them do not owe an account that was paid off Dept Of Ed- NEVER LATE ON PAYMENT. loans were put on hold as i was a student. Made complaint before against Dept of ED. have yet to fix it XXXX XXXX XXXX- WAS NOT LATE ON ACCOUNTS AS STATED. Company did not send out statement for months. 

I would like all the errors deleted from my report ASAP. Also requesting proof that credit bureau has with my signature need to be sent via cert mail 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 2016-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I called and spoke to representatives on numerous occasions and advised of my only name and address that should be on credit report. They said they were unable to do that. XXXX and XXXX had no problems updating the information. ( license attached ) They also will not remove XXXX hard inquires from " XXXX '' despite emailing and faxing a letter from XXXX stating they did pull any hard inquires. ( letter attached )

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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've identified all things in my report that I did not consent to.

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 2020-03-18
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:
For starters this is my second complaint. I have submitted many letters and spent a lot of money to send letters via certified mail. I have been requesting that this credit reporting company provide proof of accounts they claim they have verified. I have not received any physical paperwork/proof that backs up their " findings ''. In addition to the creditors not sending me any proof. I have made many attempts trying to request proof with my signature and contract that i am accused of having with these creditors. These disputes have been going on for at least 2 years with no proof. When i submit a request via certified mail it seems as if they don't even investigate just say. Even more with me. I think since i made a complaint before this company is retaliating against me by not removing the incorrect information off my credit report and not providing proof with my signature. As a consumer who has access to only so much, the credit bureau has the upper hand/ power and they use that to their liking. I do not know what else to do. Who else can i complain to to get this information corrected on my report? Who else handles disputes with credit bureaus about not getting proof of accounts that they claim were verifiable? Who do i complain to if the company has been retaliating and my issues are not being addressed properly. These creditors are as followed XXXX XXXX XXXX Don't have contract with them do not owe an account that was paid off Dept Of Ed- NEVER LATE ON PAYMENT. loans were put on hold as i was a student. Made complaint  before against Dept of ED. have yet to fix it XXXX XXXX XXXX- WAS NOT LATE ON ACCOUNTS AS STATED. Company did not send out statement for months. 

I would like all the errors deleted from my report ASAP. Also requesting proof that credit bureau has with my signature need to be sent via cert mail to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had a previous complaint XXXX which CFPB closed XX/XX/2022. Moneygram detailed instructions for me to receive {$3900.00} which I followed at XXXX. The transaction could not be completed at XXXX as promised by Moneygram, " unable to process transaction '' was displayed.

Moneygram is unable to process my transaction. I have wasted hours and hours dealing with their incompetence.

Please require Moneygram to send me a check for {$3900.00} immediately. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: NAVY FEDERAL CREDIT UNION
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:
I recently reviewed my credit report and the accounts listed, do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm client from BB & T for more 10 years. I was on forebance plan for 12 months. But before the 12 months expires ( around 4 months early I received a letter from loan modification about to refinance my existing loan ) I called the bank and told I'm under forebance program. They told me : That letter was a mistake, You suppose to not receive that kind the letter, that department didn't have a accurate information about your loan. They told me throw the letter away. They will send me a new package ( payment deferral agreement ) and need to signed and get back to them. So I did. 
And they told me to keep doing my payments. So I did, too. 
But last week a received a other letter from Truist Bank, saying You mortgage account is in default .Loss mitigation is going to start foreclosure process. I call them again, phone call took almost 2 hours. My wife and I found a big problem inside Truist Bank and Truist Branch. They have a bad communication between different departments. I have my receipts ( mortgage payment ) from the last 6 months ( around XX/XX/XXXX through XX/XX/XXXX ). I did mortgage payments on the Branch, BUT the Branch never applied the payments to the mortgage. For loss mitigation department looks I didn't make any payments. 
But they told me the bank have the money on HOLD. There was a mistake between mortgage department and Branch. Mortgage department blame that Branch. The Branch blame mortgage department. But the end the client pay all the mistake. 
Now I got the letter from them saying You didn't make the payments. 
Start the foreclosure process. 
And the end of phone call nobody solve my problem and told me they will TRY to fix their mistakes. 
Right now I'm frustrated with all this situation.

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 2022-03-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
i got a check from my grandma for my birthday for XXXX $ for this consle im getting and i went to go cash the check with my mom and the machine said error so i tried to cancel the transaction and it didnt work i didnt get my money nor did i get my check back i would just like to have my money back if possible

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I was informed by mail that my car loans financed by Ally was increased because of my XXXX background. I received XXXX letters ( packets ) in the mail about a class action lawsuit that is being persued against Ally, stating that I may receive compensation for their unlawful practice. There is a time limit ( XXXX ) that must be met. I 've sent the forms, and about 3 weeks later, I received a post card from Ally Settlement Administrator stating that they did not receive the forms. I have called XXXX times, and was told that I would be receiving another packet to fill out and send. To this day, XXXX/XXXX/15, I have yet to get it. What do I need to do? This has been ongoing since XXXX. I have the dates, times, and the persons ' names from when I 've called. Seems to me that they are letting the time lapse. Please help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit card
Issue: Other

Complaint:
I submitted a debt validation letter to credit collection agency PRA. They responded with XXXX statements both showing I owe {$XXXX}. So, of this is the case why is this on my credit report? This debt should be removed from my credit report but they claim these XXXX statements are debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Express ( debt from XXXX ) hired XXXX XXXX - represented by XXXX XXXX ESQ. BAR # XXXX, XXXX XXXX ESQ. BAR # XXXX and XXXX XXXX XXXX. BAR # XXXX On XX/XX/XXXX XXXX XXXX XXXX ordered the sheriff to levy my bank account for a debt that belongs to XXXX who was added to my account to manage my bill pay. I was never notified by XXXX XXXX XXXX or by my bank about this levy. 
The company I work for makes a direct deposit to my bank account. 
XXXX went to withdraw the money to pay the rent but was told by the cashier that the account was levy two days ago. 
She told the cashier Mr. XXXX that this debt does not belong to XXXX XXXX and this is his account. He said that there was nothing that can be done. 
XXXX  contacted XXXX XXXX XXXX XX/XX/XXXX and spoke to lawyer XXXX XXXX explaining to him that the bank account belongs to XXXX XXXX and the debt belongs to XXXX. XXXX said he will contact American Express and have them release the funds and will notify her but he never did. XXXX called 2 days later and the next day but XXXX said there was no response as yet. ( Later, I found out that there were a 10 days hold on the levy. And within that time the funds can be refunded back to the original owner ). So Mr. XXXX XXXX was just stalling and only got back to her after the 10 days grace period was over with the response that they will not release the funds back to the account. 
On XX/XX/XXXX XXXX  went to the bank branch manager Miss XXXX XXXX and discussed the problem with her but she said there was nothing that she can do. So XXXX wrote the Bank cooperate office. Miss XXXX XXXX said she can not do anything but I can contact the sheriff. 
We spoke to Miss XXXX at the Sherriff department in XXXX XXXX and she explains to us that when the sheriff came to the bank, the bank associates are supposed to notify him that there is another person on this account and in that case this other person must be notified first before the account can be levy. I XXXX XXXX WAS NEVER NOTIFIED BY MY BANK. Even 2 days later after they levied the account. I did not get any alerts. And they all LIED TO us that there was nothing they can do. 
The bank made a big mistake by not informing me about this levy and refused to release my funds back to my account. 
XXXX XXXX XXXX made a mistake by taking my full salary for a debt that does not belong to me. 
Please CFPB kindly addresses the matter for this is not only a disgrace to our country but discrediting what we the USA stand for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial was contacted regarding a medical debt on my credit report. I am uploading a copy of the letter that I mailed to them. Also proof that they did receive my letter. They have failed to provide me with proof of this debt. They have violated my HIPPA right s because I have not provided them my consent to pull my medical file. I have enclosed what I received from them. This is not proper documentation for validation of debt. I have reported them to the proper department for violation of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: KS
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, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc XXXX XXXX File a complaint with the Federal Trade Commission if you feel you are a victim of any type of online fraud at ftc.gov/complaint and IC3.gov. Never give out personal ..

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 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX  student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc XXXX XXXX File a complaint with the Federal Trade Commission if you feel you are a victim of any type of online fraud at ftc.gov/complaint and IC3.gov. Never give out personal ..

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 2022-08-26
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: Investigation took more than 30 days

Complaint:
I am a co-signer on a student loan. I was never notified that the payment was late and did not receive any invoices. The first correspondence was sent via US mail stating that the loan was late. I immediately made an on-line payment. This should not have been reported to credit reporting as I never received an invoice. I have tried to work with the loan servicer XXXX XXXX but they are not cooperative.

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