BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: CITIBANK, N.A.
State: MD
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 customer service

Complaint:
Citi failed to properly adjudicate a disputed transaction. Citi is requesting information that is not available or not relevant. Customer service not competent to understand the nature of dispute, keep sending non relevant forms to fill out and fax back.

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2022 I decided to take a look at my credit report. I noticed inaccurate reporting for XXXX XXXX XXXX I disputed this account immediately when the balance was {$520.00} and closed. The account was then updated as being OPEN and with a balance of {$520.00}. I disputed it again and the balance was updated to {$530.00} and 66 months late with XXXX and 24 months late with Transunion. XXXX saw the inaccuracies and deleted the account but XXXX and Transunion have not responded. This account is inaccurate and I have given them the chance to delete the account from my credit report. I have the right to have a 100 % accurate credit report.

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 2020-10-28
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi, When I pulled my credit reports, I noticed many hard inquires on my credit report. That shouldn't be on there at all. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/23 I wrote a dispute to the 3 major credit bureaus XXXX, XXXX, and Experian. The account that this complaint is about is XXXX  XXXX XXXX ( Account ending in XXXX ). I asked the credit bureaus to investigate because the balance should be XXXX. It is a charged off account which has been sold to debt collectors, I say debt collectors because I have received 2 notices from two seperate companies telling me that I owed a debt, with the original creditor being XXXX XXXX XXXX. Now I am getting a response to my dispute from XXXX  XXXX XXXX as well, on two occasions. One on XX/XX/XXXX and one on XX/XX/XXXX. Both state I owe a blance of {$470.00}. So now XXXX  XXXX XXXX is illegally charging me a balance after selling my debt to not one, but two debt collecton agencies, which are also contacting me to pay this debt. I want this inaccurate account removed from my credit report and updated the balance to XXXX immediately. This is highly suspicious activity and honestly I would not mind getting a lawyer at this point because XXXX  XXXX XXXX is supposed to be a reputable company but now it turns out they are looking to collect a debt from ME as well as sell my debt to TWO debt collectors to get even more money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance : {$270.00} XXXX XXXX Balance XXXX {$880.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$2.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$1300.00}.

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 2019-11-14
Company: DISCOVER BANK
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover card account in place since 2011 Account was closed without notification {$0.00} balance account with a {$3500.00} credit line Closure reduced my FICO score by 10 points When I contacted Discover they refused to reopen my account despite closure not being credit related, closure was due to not using the card This is a predatory practice as a natural result of reducing a consumers denominator in their debt usage ratio is reduction in FICO, which means long standing accounts with Customer-friendly rates and terms can be turned over and converted into newer less Customer-friendly accounts with higher rates and less benefits This is a violation of UDAAP due to its a usive effect on the Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account was paid off in XXXX of XXXX and they are still reported it as XXXX written off. This was settled in full and there is no balance and nothing written off. Should reflect as PAID with nothing written off Account name XXXX Account XXXX XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX, XXXX. {$210.00} written off. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX No phone number available Address identification number XXXX Type Credit card Terms NA Credit limit or original amount {$300.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request.

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 2017-03-26
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I received a student loan through XXXX. My Loan was sent to a collection agency.After my Federal Taxes had been offsetted. To pay back the student loan. The collection agency is Navient.My account was opened by Navient and reported to all XXXX credit bureaus.It is well over the 7 years expiration period. I have contacted all XXXX credit bureaus.XXXX, XXXX, and XXXX.I contacted Navient to demand that they remove this inaccurate account record from all XXXX of the reporting credit bureaus.XXXX, XXXX, and XXXX. Sending them documentation of my offset.It has yet to be taken off. I contacted XXXX who informed I would have to wait till XX/XX/XXXX.Due to an update from Navient in XX/XX/XXXX.This is ludacris, and furthermore is hindering my family.From receiving adequate housing, schooling, and employment.Creditors are denying me left, and right for this ( 1 ) inaccurate collections.Please! Help me attain what I deserve.A fair chance to renew my credit. I have paid my debt, and would just like this account removed from all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Synergetic Communication Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection letter from Synergetic Communication , Inc stating XXXX XXXX XXXX has placed with their office for collection in the amount of {$2100.00} and offer to resolve my account with the following discount payment of {$540.00} due by XXXX. The original creditor was XXXX XXXX XXXX Visa, Ive called XXXX XXXX and was told I have a XXXX dollar balance on my account and the account has been closed for years. I am very aware of my financial obligations and is very alert with my credit history. I believe this is a scam and it needs to be stopped, not fair to the citizens and consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On Monday, XX/XX/XXXX, I was informed by my auto insurance provider that they were unable to request a credit report using my name. This was not surprising - I completed a legal name change earlier this year. My legal name is " XXXX '' with no last name. My court order ; Driver 's License ; and Social Security Number card all accurately reflect that my only name is " XXXX ''. 

That same day, I created an Equifax account and attempted to use the provided tools to update my credit reporting information. I was not able to update my name as the webpage requires a last name, and would not accept my usual workarounds of either a hyphen or a zero-width whitespace character in place of a last name. Still on the same day, I contacted Equifax customer support via XXXX to report that I was not able to update my information. They responded in XXXX direct message, and also later by email, requesting documents to prove my change of name ( " Proof of Name '', " Proof of SSN '', and " Proof of Address '' required ). I promptly provided the requested documents ( a Court Order of name change, a photocopy of my driver 's license, and a photocopy of my SSN card ). The next day ( Tuesday, XX/XX/XXXX ) I received a follow-up email saying that they are " currently unable '' to correct my name, due to system constraints requiring a first and a last name. I replied within XXXX hours to tell them that leaving my name as-is was a completely unacceptable solution, but that I would be happy to work with them to find a solution that does not require them to implement a costly code change. I received no reply. On Thursday, XX/XX/XXXX I reached out to the Equifax customer service team via XXXX once more to report that I was still waiting for them to contact me to find a solution. I was told that the XXXX XXXX had already contacted me and " provided the indications '', which I understood to mean that they considered the case settled. I again told them that leaving my name unchanged was not an acceptable solution, but I was willing to work with them to find an acceptable solution. I received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
company is reporting this unauthorized information on my credit report.

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 2018-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I put a freeze on my credit due to my wife being notified that her personal information may have been compromised in the Equifax security breach. In XX/XX/XXXX we purchased a new vehicle and I was able to call Equifax, provide correct responses to security questions and successfully have my credit freeze lifted for a specific time period without any trouble. 
On XX/XX/XXXX I sent a letter to Equifax along with a copy of my drivers license and US passport requesting the my credit freeze be lifted through XX/XX/XXXX as we were in the process of buying a home to be closer to essential medical services following a XXXX  XXXX XXXX. On XX/XX/XXXX I called the Equifax Freeze Department to inquire about the status of lifting the freeze on my credit report and was advised that they had no record verifying my social security number and could not lift the freeze on my credit. I was advised to send a copy of my social security card, or a XXXX, or a XXXX with my social security number on it via fax. 
On XX/XX/XXXX a fax was sent to the fax # given by the Equifax representative with a cover letter, copy of drivers license, California State Employees XX/XX/XXXX XXXX, and social security XXXX. I called on XX/XX/XXXX to inquire on status of the request and was told it was not received. Was advised they had a new fax # and on XX/XX/XXXX faxed the cover letter with the request, drivers license, and Social Security XXXX. 
On XX/XX/XXXX I called to inquire as to the status and was advised the documents were received but they were not clear and they needed further verification of my social security #. After speaking with a manager I was told a XXXX card with my social security # would suffice. 
On XX/XX/XXXX a cover letter, drivers license, social security XXXX and XXXX card with social security # were faxed. On XX/XX/XXXX I called to inquire as to the status and was advised the documents were received and they were not entirely clear/legible and my freeze request could not be completed. 
On XX/XX/XXXX and XX/XX/XXXX the same documents were faxed from 2 different fax machines to perhaps provide clearer copies. All copies sent to Equifax on each occasion were clear when sent. 
To this date ( XX/XX/XXXX XXXX Equifax has failed to release the freeze on my credit. In each phone conversation with Equifax representatives, supervisors, and managers it was explained that this situation was creating a severe hardship on me as I was still in the hospital recovering from effects of a XXXX   XXXX XXXX. Was soon to be released and in escrow on a home to be close to medical services and that they were holding up our ability to comply with our real estate purchase contract. This necessitated an extension to our escrow closing date and the release of our loan contingency, due to the lender 's inability to access 3 forms of credit reporting for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have summitted several disputes to all 3 major credit reporting bureaus ( XXXXXXXX/Equifax/XXXX ) in regards to my XXXX XXXX XXXX account and the numerous inconsistencies and discrepancies reported on this account by all 3 bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notification stating the account has either been updated or verified as accurate. To date XXXX and XXXX report a high balance of {$17000.00}. Equifax is reporting a high balance of {$16000.00}. XXXX is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last activity as XX/XX/XXXXXXXX Equifax is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX and Equifax are reporting this account as derogatory. XXXX is reporting this account as " PAID ''! XXXX and XXXX are reporting date of last payment as XX/XX/XXXX. Equifax is reporting date of last payment as XX/XX/XXXXXXXX XXXX is reporting an XXXX and XX/XX/XXXX payment history as PAID while Equifax reports them as 30 and 60 days late? which is it? did I pay or not? XXXX report no payment history at all. ALL reporting a {$0.00} past due amount. How is one reporting paid and the others derogatory? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? if one creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the fair credit reporting act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15USC 1681 ( 1 ) the credit bureaus don't have no written permission.

According to 15USC 1681 I have a right to privacy.

According to 15USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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