BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-23
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX Date opened XX/XX/2013 Account type Credit Card This account is paid in full and resolved with credit grantor as already been removed one bureau its reporting on the other two despite sending multiple dispute with credible evidence sent.The account is reporting late and charge-off despite being closed and paid.

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 2022-05-04
Company: EQUIFAX, INC.
State: HI
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:
I changed my llegal name on 2019 and I reported to all my bank and credit card companies, recently I found out only Equifax doesn't update report from my bank and they can't fix it right away and my records was still old name and old information stop on 2019, others 2 companies sach as transfer union has my all information updated. 
Because my loan officer can't pull out my records from Equifax so I can't get loan approval. 

I don't why I have to use this company as necessary credit report to approv loan because Equifax can't even handle the right information for me or others ( credit company told me they got same situation from others customers ) If I'm not trying to get loan approval I won't ever know this problem but know I can't get approval because them!! 

I'm hopeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I tried to send money to a friend ( Moneygram transaction XXXX XXXX XXXX XXXX on XX/XX/2021. My friend was not given the money at the receiver end ( by Moneygram agent ) despite my and his following ALL Moneygram disclosed procedures and instructions exactly. When I called Moneygram at the time, they told me they were helpless and asked me to cancel the transaction and try another agent/location. That is what I had to do. However, Moneygram did not refund me the Fee which was assessed on my credit card for the now cancelled transaction. The case created on their end XXXX XXXX XXXX XXXX XXXX has not yielded a refund of fee yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I pay for the Equifax monitoring service monthly which provides daily updates to my credit report and credit score. I have not been able to update my score or report since   X/XX/2017 . I have  called them numerous times and every time I call I get the run around. This is a service that I pay for monthly and they have been taking my money monthly and have not provided a solution to this issue. I feel that I am being taken advantage of and would like to file a complaint against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: CA
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVICY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVICY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

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 2019-12-31
Company: FACTUAL DATA CORP.
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:
Factual data and /XXXX XXXX XXXX pulled my credit twice with out my permission, they pulled it on XX/XX/2019 and then pulled it again on XX/XX/2019 which should have no affect on my credit score, factual data and XXXX   XXXX XXXX came back with a false reading they stated my XXXX was at a XXXX and my XXXX  was at XXXX and my XXXX  came back as a XXXX, which is a big discrepancy, as of XX/XX/2019 XXXX XXXX stated my XXXX  is XXXX and my XXXX  is XXXX and my XXXX  XXXX XXXX. I want factual data to remove the hard inquiry on XX/XX/2019, and XXXX XXXX I Okayed XX/XX/2019 but not the XX/XX/2019, they was to look at my credit report for positive changes. and to be honest when they pulled my credit on XX/XX/2019 it was a big descrepency from what XXXX XXXX was reporting as well, this is not right, this is not just, this is poor lending practices, again factual data and XXXX XXXX XXXX is not reporting credit score correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: HI
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ; ; XXXX XXXX XXXX XXXX XXXX PL XXXX, FL XXXX ; XXXX XXXX XXXXL XXXX, HI XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX  XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ; ; XXXX XXXX XXXX XXXX XXXX PL XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX, HI XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I filed a complain with the Consumer Finance Protection Bureau already ( Complaint ID XXXX ). Transunion responded to the complaint that they had filed an investigation when in fact they did NOT file an investigation. I had to go on to their web site today and manually file an investigation. TransUnion continues to inaccurately report two bankruptcies on my credit profile that should not be there. Chapter XXXX Bankruptcy and a Chapter XXXX Bankruptcy that both belong to another XXXX XXXX. I have sent in the appropriate documentation ( Also attached to this complaint ) proving my whereabouts and address as well as showing my correct identification. Transunion needs to delete these inaccurate records completely.

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 2022-06-09
Company: Asset Management Outsourcing, 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:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: TRANSWORLD SYSTEMS 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I submitted a dispute on a medical bill acc # XXXX with your company which came back as verified on XX/XX/2019 via mail. This can not have been investigated properly because I also disputed this with the creditor ( TRANSWORLD SYS INC ) in witch they responded on XX/XX/2019 with the cftp stating that this account would be removed from all three credit bureaus SEE ATTACH LETTER FOR PROOF FOR DELETION. ALSO I ATTACHED A COPY OF THE VERIFICATION LETTER THAT YOUR COMPANY SENT ME 0N XX/XX/2019. REMOVE THIS FALSE ACCOUNT IMMEDIATELY FROM MY REPORT AS I HAVE ATTACHED THE PROOF THAT THIS ACCOUNT DOES NOT BELONG TO ME! FAILURE TO DO SO WILL RESULT IN A LAWSUIT AGAINST ALL PARTY 'S INVOLVED. SEE ATTACHED DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Albert Corporation
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have a savings account with Albert and am trying to close it but they wont give me the remaining {$140.00} in the account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX 's put me in on a " Long Term Assistance Program '' for the credit card on XX/XX/XXXX. The terms were to pay the minimum payment for 60 months and they closed the credit card. This was in XXXX of XXXX. They then continued to report late payments - 120 Days Late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then started reporting On Time Payments in XX/XX/XXXX and XX/XX/XXXX. Then from XX/XX/XXXX to XX/XX/XXXX they have reported 30 Days Late EACH MONTH. I've been making my minimum payments as I was instructed to but XXXX says the way that it records in their system is late ( even though its not 30 days late ). In XX/XX/XXXX they stopped the Late Payments ; however, the previous ones are still there when I was just following the plan that they gave me. They did not disclose that paying the minimum payment and being on the program would still report late payments to the credit bureaus. 
I've disputed this issue with the Bureaus and XXXX 's multiple times but can't get them removed. XXXX 's has admitted over the phone that it shouldn't have reported late payments but they can't do anything about it because of their system reporting. The credit bureaus just verify the information when I dispute with them. 
Further, the letter received when put on this program says that my minimum payment will be {$120.00} and no late fees will be applied.

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: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A loan refinance with our current mortgager, Mr. Cooper was started on behalf of my mom in XXXX of XXXX at the request of loan officer XXXX XXXX. I was looking to get added to the loan due to my mother 's failing health situation. I explained all of this in depth and worked with XXXX diligently to get this done. Throughout the process we returned all documents and followed all guidelines. We even got the necessary paperwork for a charged off home equity loan that they requested so it could be paid off along with credit cards for the refinance. This information was shared with XXXX XXXX, XXXX 's manager who requested the payoff letter and stated that it needs to be current up until XX/XX/XXXX so that it could be paid off with the refinance. We paid {$600.00} for an appraisal and paid {$2600.00} to get necessary repairs that they said was the last hurdle for final approval as we were already at a conditional approval. I tried contacting XXXX during the week of XX/XX/XXXX - XXXX and did not receive a response from email or text which was odd since he had always returned messages with no problem. I was even in contact with the loan processor, XXXX XXXX who was waiting on repairs as well. 

On XX/XX/XXXX XXXX XXXX called me to say there was an issue with a charged off home equity loan, I explained to him and sent him proof that they were already aware of that and underwriting as well. I even provided him email proof of prior discussions. He did not return my calls or emails for two days and XXXX sent a text message saying he no longer had access to the file after a month of working it everyday. XXXX provided no explanation and I was surprised to learn when contacting XXXX that the loan was no longer in her files and was showing cancelled with no reason. XXXX XXXX was helpful unlike XXXX and XXXX. Mr. Cooper needs to honor this refinance and all parties involved need further training on professionalism, honesty and courtesy. This was deceptiveness in all way and sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Experian Information Solutions Inc.
State: NJ
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 had several accounts with XXXX XXXX back from XXXX to XXXX. Unfortunately, I became ill in XXXX and was unable to meet my credit obligations. I did inform XXXX XXXX of this. Ultimately my accounts were closed and charged off. When I was able to return to work and in the process of repaying my credit obligations I made contact with XXXX XXXX and informed them I would like to repay any outstanding balances owed on my accounts. They were all too happy to hear this. All the accounts were repaid in full to their internal collection department. When I was setting up the repayments I made it crystal clear that once the obligations had been repaid ; the accounts would report to the credit agencies as paid in full and closed. No, write off, no charge off. Well in true XXXX XXXX fashion they did not do what they agreed to and on all three credit reporting agencies, it reports as negative and continues to report as a negative month. I view this as a punitive action on the part of XXXX XXXX, they had been repaid and didn't suffer any loss on these credit cards yet they have a long-standing history of sticking it to a consumer who falls behind. I have disputed these accounts with Experian, XXXX, and XXXX XXXX several times to no avail and now seek help from the CFPB to correct the misgivings of this large and powerful company.

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 2020-04-21
Company: EQUIFAX, INC.
State: WA
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:
XXXX 's put me in on a " Long Term Assistance Program '' for the credit card on XX/XX/XXXX. The terms were to pay the minimum payment for 60 months and they closed the credit card. This was in XXXX of XXXX. They then continued to report late payments - 120 Days Late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then started reporting On Time Payments in XX/XX/XXXX and XX/XX/XXXX. Then from XX/XX/XXXX to XX/XX/XXXX they have reported 30 Days Late EACH MONTH. I've been making my minimum payments as I was instructed to but XXXX says the way that it records in their system is late ( even though its not 30 days late ). In XX/XX/XXXX they stopped the Late Payments ; however, the previous ones are still there when I was just following the plan that they gave me. They did not disclose that paying the minimum payment and being on the program would still report late payments to the credit bureaus. 
I've disputed this issue with the Bureaus and XXXX 's multiple times but can't get them removed. XXXX 's has admitted over the phone that it shouldn't have reported late payments but they can't do anything about it because of their system reporting. The credit bureaus just verify the information when I dispute with them. 
Further, the letter received when put on this program says that my minimum payment will be {$120.00} and no late fees will be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During the XXXX season of XXXX I XXXX XXXX the consumer and natural person alive and living received communication from a third party debt collector XXXX XXXX XXXX XXXX XXXX XXXX owes {$210.00} XXXX This alleged debt had already been disputed and thus removed from my credit reports thru cease and desist with Sterling Jewelers. I have no consumer credit transactions with XXXX XXXX XXXX and did not give XXXX XXXX XXXX permission to contact me or anyone else about this alleged debt owed. On XX/XX/XXXX XXXX XXXX XXXX communicated to CRA 's of alleged debt and it impacted my credit score in a negative manner.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MERCHANTS & MEDICAL CREDIT CORPORATION INC AT XXXX XXXX XXXX XXXX, MI XXXX HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF {$98.00} THE COLLECTION HAS BEEN REPORTED AS A PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX 's put me in on a " Long Term Assistance Program '' for the credit card on XX/XX/XXXX. The terms were to pay the minimum payment for 60 months and they closed the credit card. This was in XXXX of XXXX. They then continued to report late payments - 120 Days Late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then started reporting On Time Payments in XX/XX/XXXX and XX/XX/XXXX. Then from XX/XX/XXXX to XX/XX/XXXX they have reported 30 Days Late EACH MONTH. I've been making my minimum payments as I was instructed to but XXXX says the way that it records in their system is late ( even though its not 30 days late ). In XX/XX/XXXX they stopped the Late Payments ; however, the previous ones are still there when I was just following the plan that they gave me. They did not disclose that paying the minimum payment and being on the program would still report late payments to the credit bureaus. 
I've disputed this issue with the Bureaus and XXXX 's multiple times but can't get them removed. XXXX 's has admitted over the phone that it shouldn't have reported late payments but they can't do anything about it because of their system reporting. The credit bureaus just verify the information when I dispute with them. 
Further, the letter received when put on this program says that my minimum payment will be {$120.00} and no late fees will be applied.

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