BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-06-11
Company: BARCLAYS BANK DELAWARE
State: AZ
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 rewards from credit card

Complaint:
I have a Barclays Arrival credit card ending in XXXX which was not actively used given my age of XXXX  years and not going out much in last few years. Barclays sent me a letter date XX/XX/XXXXconfirming account closure due to inactivity. I was also told they sent me another letter a month before this one notifying me that account will be closed if card is not used in next 30 days but I did not receive that letter in mail. If I had received it, I would have asked someone from my family to use my card and keep my arrival miles active. I have XXXX miles that are now expiring and can not be redeemed towards the greater value of XXXX points = XXXX for travel expenses. I called the customer service and requested to reinstate my account but was refused and was only offered XXXX points XXXX as fair redemption value for my XXXX miles giving me a maximum of {$210.00} instead of {$420.00} which I expected to use against travel redemption in future.

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 2020-06-11
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX I received a letter from Harris & Harris , LTD dated XX/XX/XXXX advising of an alleged delinquency on an account. As I was unfamiliar with the claimed debt I contacted the office at the number provided and explained that I was unaware of any outstanding debts and requested supporting documents to confirm its validity. I was told they would request the info and send it to me. Since that call I have yet to receive any such proof but I do however continue to receive calls XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX ) attempting to collect the claimed amount owed. In response to each call I have repeated my request and each time I am assured the supporting documents will be sent, with the exception of today 's call during which they claim to have sent me several letters and insinuated I must be throwing them out. I took umbrage with such accusations and let my displeasure with their tactics be known stating clearly that the only written communication I received was the XXXX letter which only indicated an amount owed and date of service, neither of which could be construed as proof of debt. I was told the notice was proof of debt. I maintained that the first letter did not contain any specifics of services rendered and as such I could not validate the debt and I reiterated my request for supporting documents. I further requested that they no longer contact me by phone and advised that in response to any future phone calls I will seek counsel to protect myself from unfair collection practices. 

My interactions with Harris & Harris have given me little reason to believe their collection techniques consist of anything more than badgering consumers on unsubstantiated debts. I have seen no evidence of an intent to resolve this alleged debt in good faith and as such I seek intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting act XXXX Account # 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 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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts are errors reporting on my credit file

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 2022-05-16
Company: EQUIFAX, INC.
State: MA
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/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$7.00} ), XXXX ( Opened XX/XX/XXXX, Balance {$16000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: TX
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 reporting of the following accounts is in violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Information supplied is inaccurate and incomplete. At times it even contradicts itself.

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 2018-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX XXXX XXXX Ticket # XXXX OnXX/XX/2018 I applied for a credit card through XXXX XXXX  XXXX XXXX XXXX  and purchased a XXXX  phone ( XXXX XXXX ), case and screen protector. The cost of this purchase was {$770.00}. I was given a temporary card number ending XXXX. On XX/XX/2018 I returned the phone to XXXX  who insured me the credit will reverse the charges. Early XX/XX/2018 I received a credit alert that my credit was affected and I had an outstanding balance on card ending XXXX.

I went to the XXXX   XXXX # XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX, CO XX/XX/2018. I was given another promise that this charge will be reversed and my account will be closed per my request. The XXXX  representative at the time spoke with a representative at XXXX XXXX who stated this issue would be resolved within 30 days. XX/XX/XXXXI received another credit alert that my credit score dropped again affecting my ability to get a small loan. Again the XXXX representative called a representative for XXXX XXXX XXXX XXXX XXXX  and was given more information about what the issue possibly is.

The XXXX XXXX  representative stated the credit to revers charges was put against the temporary card ending XXXX and not the permanent card ending XXXX. This is an internal error and is causing me great credit grief as well as it is time consuming disputing charges that both XXXX and XXXX XXXX have documentation for. I was told on XX/XX/2018 this issue would be reversed, my account would be closed and they would be in touch with me with a letter confirming closure.

To this date XX/XX/2018, I have not received a confirmation ticket # XXXX was resolved. I called and spoke to a representative who told me this ticket is still open and I owe {$340.00} on a {$940.00} bill. This is unacceptable and damaging to my credit rating.

Mr. 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 explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed on XX/XX/XXXX a late payment that is currently listed on my TransUnion credit report, They reply was " Not Specified ". I believe this disputed this information with the agency was not properly investigated. The information remains on my credit report and continues to negatively impact my credit score. The late payment in question appears on my credit report under my name. The payment was due on XX/XX/XXXX and I made the payment in full on XX/XX/XXXX. However, it was reported as being more than 30 days late. I believe this information is inaccurate and unfairly reflects on my creditworthiness. The continued listing of this late payment despite previous investigation suggests that Their procedures have not been adequate in this case. I have attached any relevant documentation that supports my claim. Such my bank statement of full payment in time to 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 2022-05-16
Company: EQUIFAX, INC.
State: TX
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 reporting of the following accounts is in violation of my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Information supplied is inaccurate and incomplete. At times it even contradicts itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Ocwen Financial Corporation
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: Account information incorrect

Complaint:
I never was late with my mortgage with the lender PHH mortgage. I refinanced my loan with XXXX XXXX. PHH was late in processing the loan paperwork and It took them more than 30 days to close the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I am trying to get a home and I have filed identity theft because there has been an abundance of inquires on my report. I can't get anything let alone I refuse to have my credit ran with all these inquires on it. 15 USC 1681

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 2022-05-16
Company: Experian Information Solutions Inc.
State: MA
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/XXXX I contacted Experian about the following negative accounts XXXX  ( Opened XX/XX/XXXX, Balance {$16000.00} ), XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$7.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2020-06-11
Company: EQUIFAX, INC.
State: UT
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am XXXX XXXX XXXX XXXX late on the XXXX  partial account numbers XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This issue is regarding Home Depot Credit Card website ( run by Citibank online ), on the payments section. When making payments, there are multiple options to select a precalculated payment amount. XXXX option is " Amount to Avoid Interest '', which it would seem to imply that if you pay this amount you won't be charged any interest. I have used this option multiple times to make a payment yet, I continued to be charged interest. As of XX/XX/2023 I've been charged over {$800.00} in interest XXXX, despite using this feature to avoid paying interest. 

I called customer service and they explained that this option only applies to " promotional balances '', but it doesn't include any revolving balances. However, there is no indication or disclaimer on the site that explains this particular detail, despite other options on this menu having " explainers ''. 

This option seems to be intentionally misleading to the customer because it doesn't indicate what would be a sufficient amount to actually avoid paying interest. Because even if XXXX, as a savvy customer, were to assume this amount referred to the promotional balance, if XXXX were to add the total amount of the revolving balance, that won't be sufficient to avoid the interest because this payment will likely be applied to the promotional balance, and the customer will be charged interest. XXXX will have to call another department so that they allocate that extra payment properly.

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 2020-06-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many attempts to remove some items from my credit that does not belong to me. I think they are caused by identity theft. I am often out of town or the country for government contracts. Someone may have used my information. I sent a letter to the credit bureaus on XX/XX/2020, but that situation has not been resolved.

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 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX report. The credit repot show inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put inquiries on my file unless I have authorized it.

The FCRA states that the only permissible purpose for pulling credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2019-06-25
Company: FIRST HORIZON BANK
State: TN
Product: Credit card or prepaid 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:
I purchased a diet pill online in XX/XX/XXXX. It apparently had an automatic renewal in the purchase. When I received another bottle ( I hadn't used the first bottle ), I checked my statement and found the purchase on there a second time. I went to the package and there was no invoice or info for me to call and cancel. I did not receive an email from the company to use to cancel. I do online banking and looked at the transactions online and there was no contact information for the company there. I contacted the card company and claimed this as fraud since I had no ability to dispute the charge or cancel. The representative indicated that they would not consider this as fraud since I made the initial purchase ( I did not dispute the first charge, just the subsequent one ). I received a letter from the card company ( photo of the letter attached ) saying they wouldn't consider it as fraud and my only recourse was against the merchant. This, obviously, upset me since I had no apparent way to contact the company. The representative indicated to me that my only other recourse would be to cancel the card and get a new number so that the charge couldn't come through again. I was reluctant to do this because I have recurring purchases on the card and I would have to go online to a dozen places to change out the credit card number. Since I started this process with the card company and before I received their letter ( today - XX/XX/XXXX ), another charge came from the company ( dated XX/XX/XXXX ). The card company also did not provide a provisional credit for the XX/XX/XXXX charge that I was disputing. The original charge appears to have been XX/XX/XXXX. I decided I would go to the CFPB website and dispute, so I went to look at the .pdf of the statement. On the printout of the statement was a phone number, so I called that number and, it appears, this charge will no longer come. My complaint is for the XX/XX/XXXX charge from XXXX, as well as the XX/XX/XXXX charge that came while no provisional credit was made and since Visa did not attempt to contact the merchant. Also, I note that the online transaction showing in my First Tennessee online banking ( this is a First Tennessee Visa ) did not include any contact information for the company. When I talked to the representative, I indicated the fact that I had no way to contact the company. If that phone number were available on the transaction, why did he not give it to me to call? If this call ends up having taken care of things, I could have made the call before the XX/XX/XXXX charge came through. I can provide copies of the statements if necessary.

Company response to consumer: Closed with explanation