BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called the company the XXXX of XXXX and told them I wanted to pay off my loan. I could only get a pay off by snail mail or fax. I do not own a fax. After a week, no mail. I have never received a pay-off by mail. I called on the XXXX and on the XXXX I got a payoff by email. It had an amount and half of a page empty. It had a second page I did not open. 
I sent the {$49000.00}. It was cashed on the XXXX of XXXX. XXXX weeks later I got an email to get in touch with them. I did not send the money to the address on the XXXX page. They said they would return the money. I have been in contact with them, they said the check went out on the XXXX. Today I called again ( XXXX of XXXX ) was told the same thing. I do not have the check. They also told me I should expect it by the XXXX. " Why that long '' I asked, and was told that was on the post office. This is not true. I mail things all over the XXXX, it takes 2-3 days. By the XXXX my mortgage payment will be late incurring fees. My Loan # XXXX with Specialized Loan Servicing. My name is XXXX XXXX XXXX. 
XXXX XXXX XXXX, covington XXXX My email is XXXX. 
I have sent numerous email request to them with no answer. Every time I call I am put on hold for 5 minutes numerous times. They have not helped 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 2022-06-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was the victim of Identity theft and had several accounts opened in my name fraudulently as well as several attempts made to open fraudulent accounts. 
I have added fraud alerts to my consumer credit reports as well as contacted the creditors of the accounts opened fraudulently. I was recently assured by XXXX XXXX  that account ending in XXXX would be removed or blocked from my reports yet Experian and XXXX continue to report the accounts and have not blocked them as requested. XXXX XXXX has removed the account as requested.

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 2022-06-25
Company: Experian Information Solutions Inc.
State: PA
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records I, therefore, request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Name : XXXXXXXX XXXX XXXX  ; Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Accounts : XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$650.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$1100.00} ; Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-25
Company: Credit Karma, LLC
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On several occasions I have reached out to Credit Karma to resolve a issue of money taken from my checking out via debit. On XXXX occasions I received conflicting replies On XX/XX/XXXX XXXX response stating, this was a check purchase at the store using my checking information which was false. On XX/XX/XXXX second response they indicated that the money was credited back to the company who deposited the funds which was false. On the third attempt to rectify the problem Credit Karma stated that the XXXX XXXX machines was not working so it debited the transaction out at a later date which is false. I went to the store in question and asked them XXXX of the XXXX questions and they stated first that they do not except checks unless you have proper ID, Second answer to question was the transaction will not go through if there is a malfunction with reading the card. I have proof of transactions made on specific dates. I asked for specific proof of purchase and the issue still have not been resolved as of XXXX XXXX. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this debt was cancelled

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 2020-04-16
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. This was done on XX/XX/2020.

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 2022-06-25
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I started a balance transfer online with Citi on XX/XX/XXXX for the amount of {$1500.00}. The money was supposed to be transferred to my XXXX XXXX XXXX XXXX XXXX card. However the transfer never completed to my XXXX XXXX card. when I reached out to Citi on XX/XX/XXXX they opened a dispute and credited the transfer back to my account. But on XX/XX/XXXX they reversed the credit and put the balance transfer back on my account and closed the dispute. The money was still not on my XXXXXXXX XXXX On XX/XX/XXXX I opened another dispute and the amount was credited to my account but on XX/XX/XXXX the reversed the credit again and closed my dispute. The money was still not on my XXXXXXXX XXXX  account. I had called multiple times after that talking to multiple departments trying to resolve the problem and find out where the money went. Also calling the bank the money was supposed to be transferred to multiple times. Citi kept giving m a confirmation letter with a customer iD and trace ID but the transfer said it went to XXXX XXXX XXXX. Multiple time we checked to credit card number to make sure they matched and the did. No one could tell me how to reach XXXX XXXX XXXX, I tried multiple times to find different numbers on the internet and no one could help me at XXXX because I didn't have an account there. 
I have reached out to Citi several times since but I have no resolution and lots of frustration and I am still missing {$1500.00}. I am already repaying that amount to Citi and still it was not credited to my XXXX XXXX card. The last several times I have reached out to Citi the would not open another dispute and said there was nothing they could do. I do not understand how they can send money somewhere that the transaction was never completed, but they couldn't just cancel the transaction. Which I asked multiple times to just cancel the balance transfer since it did not reach the destination. They still said there was nothing they could do.

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 monetary relief
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX Date of inquiry XX/XX/2020

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 2022-06-25
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:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

Collection XXXX XXXX Date Opened : XXXX Owed : {$730.00}

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 2022-06-25
Company: Synter Resource Group, LLC.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, XXXX delivered flooring material to my home. Shipping costs were included in the payment to the vendor. However, soon after the delivery I started receiving bills from XXXX  for {$350.00} stating I owed because the items were delivered in my home. I called XXXX  to clarify that the pallet of flooring was not delivered inside my home but it was dropped off in my drive way. I was transferred and referred around to several departments before giving up on a resolution. I refused to pay the fraudulent bill. Subsequently a few months later, I started receiving collection notices from Synter Resource Group requesting that I pay {$3200.00}. The most recent notice is dated XX/XX/XXXX. I have tried to contact Synter Group to ask that they stop sending the fraudulent collection notices to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: FL
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:
Did not verify the accounts using the lawful way stated in 15 U.S Code 1681a ( e )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account, XXXX  XXXX and XXXX XXXX bankruptcy has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I purchased {$25.00} American express prepaid card, but got declined in four or five online payment. Call the American express XXXX ( XXXX ) XXXX to ask why. The CSR said that the card is valid on their ends and can see the transaction got declined. No solution was offered to remedy issue. The CSR only suggestion is to tell me to use in different vendors but I run out of vendors to use this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account, XXXX  XXXX and XXXX  XXXX bankruptcy has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-25
Company: Experian Information Solutions Inc.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX AccounXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-25
Company: EQUIFAX, INC.
State: FL
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 reporting act accounts XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF ED/ XXXX, XXXX/DEPT OF ED, XXXXXXXX XXXXk, Hard inquiries XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.CC 1681 SECTION 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 reporting act accounts XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/ XXXXXXXX XXXX/DEPT OF ED, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.CC 1681 SECTION 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-25
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance Owed : {$9500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account, XXXX XXXX and XXXXr XXXX bankruptcy has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I XXXX XXXX disputed some negative items that were showing up on my credit report that were showing up an inaccurate and unfair reporting on my consumer credit profile. I sent all of my paperwork and proof to all three credit bureaus and to this date they have all failed to notify me within the time frame given by the fair credit reporting act ( 30 days ). and it is my understanding per federal law that if any of the Credit Reporting Agencies fail to correct or finish an investigation by the allowed time frame then they must delete the information disputed. In this case all three Credit Agencies have failed to comply by their own policies and federal law. Please help me enforce my rights as a consumer with these companies.

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 2022-06-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$740.00}

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