BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
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: Personal information incorrect

Complaint:
I have an address that is showing that is not my address ... nor have I ever lived at this address .... of XXXX XXXX XXXX XXXX XXXX nc XXXX. although this is what is showing on my credit report ... .. my real address that I have been at since XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ... .. please update this asap. 

XXXX XXXX dob. XX/XX/XXXX. XXXX social having difficulty getting this information to you to be updated.

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 2020-07-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Despite paying down balance on Mastercard each month the payment owed each month has actually gone up more than once despite there being no new activity on the card. 
For example, in XXXX of 2020 the outstandling balance was {$16000.00} with a minimum payment due of {$420.00}. 
In XXXX the outstanding balance was {$16000.00} with a minimum payment due of {$430.00}. 
In XXXX the outstanding balance was {$16000.00} with a minimum payment due of {$430.00}. 
In XXXX the outstanding balance was {$16000.00} with a minimum payment due of {$430.00}. 
Most recent bill for XXXX of 2020 has balance of {$15000.00} with a minimum payment due of {$420.00} When I spoke to customer service on XX/XX/2020 the representative advised the best thing to do is pay off the balance so this wont happen anymore! There has no activity or purchases made on the card or missed/late payments in all the time frames referenced above.

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 2023-04-18
Company: Student Debt USA, LLC
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hi, In XX/XX/2019, a company called, XXXX XXXX and XXXX XXXX reached out to me to assist me with my eligibility for student loan debt relief. I spoke to XXXX XXXX, who no longer works there and was promised that if l paid {$1200.00}, in installments, I was promised that XXXX would handle any and all documentation regarding my repayment process and that did not happen. XXXX did not even have the ability to do so as they transferred the loan to XXXX less than one year after our agreement. 

I would like to be refunded the {$1200.00} l paid for services l was promised and never received. They called using the name XXXX but the withdrawals were made to XXXX XXXX and Student Debt USA, which they claim they only contract with but do not actually charge the clients. Now almost 5 years later, l have found the fraudulent businesses that charged me {$1200.00} to process all the necessary paperwork regarding the repayment of my loans. I was told it would be taken care of by and that did not happen and l would like my money returned. The process departments of all three of these businesses have never returned my calls or emails that l sent. I am now aware of the unethical and potentially unlawful practices of the scamming companies and would just like my money returned. It is a great deal of money to my family and l and especially during this time we do not have money to lose at the hands of dishonest people making illegitimate promises. Any help regarding this matter would be greatly appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Disputed 3 Times with XXXX, also send a letter to XXXX XXXX  for a copy of the signed agreement and purchase agreement with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
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:
I have hard inquires in my XXXX and Transunion credit report that i did not authorized. 
my identity was stolen. on my XXXX report I have XXXX inquiries which are : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX these inquires i did not approve and in transunion were : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX as you can see they are a lot or a lot of repeats that they try to get credit cards also they have me under XXXX XXXX and XXXX XXXX my last name is XXXX and I have never request credit cards loans under those identity. 
all I am asking is for those inquiries to be removed. 
thank you

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 2023-04-18
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 2023-03-25
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
So in XXXX I pulled my credit report and noticed 4 accounts in collections that I never had so I started reaching out to these companies and started the dispute process and identify theft process on my end. So 3 collections were removed from my credit report and the 4th company XXXX XXXX XXXXXXXX XXXX XXXXXXXX refuses to show actual proof that it's my account. I've faxed over everything from police report, ftc identify theft report, affidavit, etc showing my identity was stolen and I'm disputing. The only this they sent me was a bill from the company and they state that is there proof it's my account.. I called them 13 times and keep getting nowhere I've spoke with them and said how is a bill proof it's my account ofcourse there would be a bill that's why it's in collections to begin with that still doesn't prove its my account. The other collections companies were great with helping resolve getting these off my credit report but for some reason this 1 company keeps sending me bills only after I called to dispute the account I've told them it's not mine and they are not willing to work with me. Also I did reachout to the original card company XXXX XXXXXXXX and they told me my file is and has been set at fraud and identify theft and not sure why the collection agency is still reporting this as my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Southwest Credit Systems, L.P.
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 information incorrect

Complaint:
I paid this collection to XXXX XXXX  on XXXX, XXXX. They sold this account after payment to SOUTHWEST. I've already mailed payment proof and receipt of payment received from XXXX XXXX  to SOUTHWEST, XXXX, and XXXX. This may represent fraud against me. The collection account still appears in my credit score. I'm in the process of closing on a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Resurgent Capital Services L.P.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
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 These should not be showing on my credit at all and I assert I have shown and provided proof I was a victim of the XXXX XXXX XXXX breach Im reporting to CAPB to have them removed immediately as I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, I XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from 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 non-monetary relief
Consumer complaint received 2023-04-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had trouble paying my Commenity Bank credit card during covid and they started ramping up interest fees and late payments. I contacted them through the online portal to arrange a payment schedule and try to eliminate the fees. They began calling me constantly and after a few times, I refused to answer. I have been paying {$75.00} a month for the last two and a half years and they keep assessing fees and have jacked my interest to almost 30 %. My balance started at about {$4400.00} and has now risen to about {$4700.00} with fees and added interest. And they call five or six times a day. I have continued to try to resolve this through email, but they insist on calling, and I frankly don't trust my data with a third party in another country. I can pay XXXX XXXX/month under a reasonable interest rate. They have just continued to add on monthly fees and have made my current minimum payment over {$600.00}. I have been faithfully paying XXXX XXXX/month the whole time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ADDITIONAL COMMENTS I still receive multiple daily calls to pay interest fees and late fees on the interest they say is due. The letter I received repeats the same narrative that their representatives state on their phone calls and use intimidation tactics not allowed by debt collectors. However, since the Federal, State and Local governments are solely on the side of the banks, my complaint was useless. I am a fly on a very large wall run by the banks, saved again throughout history by the government. The average citizen does not count, and you prove it.

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 2023-10-22
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting 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:
Someone has been using my information to open fraudulent credit card account without my permission and or knowledge if you will. This was done without my consent and done against my will. The time and dates stated below are as followsXXXX 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 XXXX XXXX XXXX XXXX These applications for credit WERE NOT SUBMITTED MY ME I DID NOT AUTHORIZE FOR MY CREDIT TO BE CHECKED RAN ETC, and for anyone to do so. SOMEONE HAS STOLEN MY PERSONAL INFORMATION

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 2023-07-02
Company: DISCOVER BANK
State: VA
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:
Late paymemt/missed payment and closed account was reported on my credit report during the Covid-19 Pandemic. I had difficulty keeping up with the payment due to being laid off from my job to job. I have tried to find multiple job just from being laid off job to job due to the business closing and not need much workers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has closed another XXXX complaints today without addressing the issue instead they give explanations that are completely absorbed and has absolutely nothing to do with the problem which is they NOW HAVE STOLE 18 months of on time never late payments to XXXX and refuse to give them 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 2023-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I purchased a plane ticket to XXXX from XXXX. I purchased through XXXX XXXX I was going to see my mother that was over there. The flight was for XX/XX/2023. I was unable to make my flight as i became sick with covid. As i am asmatic I did not want to risk traveling and getting my mother even more sick. I contacted XXXX XXXX. They stated that they could refund me the flight due to the circumstances. The price of the flight was over XXXX XXXX I ended up only receiving back XXXX XXXX I tried to speak with the airline but never recieved an answer. I then attempted to file a chargeback with Bank of America. They stated that due to the airline giving me a partial amount BOA couldn't do anything for me. I have tried and tried to get my money back but I do not know what else to do. Please help 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 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had an account with Bank of America for three years now they were supposed to protect my money but yet let people charge things to my account and when I called the bank to tell them that was not my charge, they credit it to my account, but then they put it back on my account and said it was not eligible for a refund it is not my charge. I did not order anything so they should not put it on my account and give me back my 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 monetary relief
Consumer complaint received 2023-12-05
Company: OneMain Finance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XXXX XXXX i called XXXX XXXX XXXX  .This is when my car broke down other one. I was lied about cost of repairs .Picked car up my XXXX took it to my storage, Until my garage man came back from vacation. XXXX XXXX XXXX said it was timeing belt. Tried to tell me head needed fixed, Then said it may need a new motor. Looked on line .I knew it wasnt that. Garage charged me to look at it .I got it towed to my storage unit. Until my garage got back Then towed it to his garage, In mean time i had no car, Was not sure on cost etc. I was settling on my home. Needed a car to move etc. I called XXXX XXXX up .They told me about this XXXX XXXX XXXX. They even picked me up. I thought my interest was going to be 15 percent instead was higher, Then when i finally got other car back .Found out it was a fuel pump. I got it towed home. Thought it wasnt running.Was told this XXXX tow charge. XXXX  would not tow again.It would of been my XXXX tow, They said i could only call in 4 times. One time i got locked out of my car. They said that counts. I have always paid for XXXXXXXX XXXX Does not state you only are allowed 4 calls. Any ways tow man said why did you get it towed, I told him it doesnt run. He said it did and showed me. When we lifted hold. Parts were off bolts etc. I called first garage he said he didnt do it .My guy said he didnt do it. Any ways my son fixed one part. When i found out it ran .I took it back to my garage insp/ emission/ oil change pipe repair also he put on lost bolts. I could not afford car payment insurance on 2 cars. Kept insurance on old car until i just sold it. Any ways i called members first my bank to refinance. Was turned down. I sai d why yjey told me .My car is worth XXXX my miles are now XXXX something sold to me XXXX  ask them why they wont refinance, They said my car is not worth that amount. Theloan is XXXX .They got vaule from XXXX first got this vaule .I went into shock. I did get a XXXX warrenty. I calledXXXX XXXX. They gave me run down.I ask them if that vaule wasnt on that car, How did i get the loan .Was told they help people out. Their credit etc .I pay my bills worked hard to built credit was shocked for the loan rate i did get. But my hands were tied .I needed something to drive. I dont understand how i got that loan .If that car wasnt vauled at that. Thank you

Company response to consumer: Closed with explanation