BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2020 I noticed an alert on my credit file from Jefferson capital systemXX/XX/XXXX wireless. Its a collection saying I owe them {$1000.00}. 
I immediately tried to contact them. I filed a dispute with XX/XX/XXXX the same day of the alert to get it removed from my account. On XXXX/XXXX/2020 the file was only updated. This is not my account. It's taking a toll on my credit score. That's not right. Please help me resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: Experian Information Solutions 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:
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 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 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.

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 2019-10-03
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: Investigation took more than 30 days

Complaint:
1. I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 called all three bureaus. And I did the dispute process. They acknowledge that XXXX reported the debt was sold to another company and therefore XXXX DOES NOT OWN THE DEBT. The company that XXXX sold the debt to has been paid in full and agreed to remove any derogatory reporting. They gave me this in writing and I have proof of this info and payment. Despite all of this NONE of the 3 bureaus will remove this from my credit report as derogatory. XXXX says that they acknowledged they do not own the debt to the bureaus- but they are going to continue to report it - and all 3 bureaus acknowledge all of this ( and have my submission of proof as part of my dispute ) but REFUSE to remove XXXX. This is going on 3 years or more of me disputing this info and the credit bureaus refusing to remove it. ( Among several other things like student loans that were never late and the Federal government ceased payments for anyways ).

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Im begging you please remove this to the 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 2019-10-03
Company: Westlake Services, LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XX/XX/XXXX, WestLake Portfolio MGM Date Opened, account {$12000.00} this company put this on my credit report I never had any loan through them I recently had a car loan under another company which was closed out and wipe off my credit because I co signed dont have any knowledge of this company. I contacted the credit bureau and did a dispute XX/XX/XXXX and the same day they just updated the information they didnt do a full investigation to see if this what debt I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Remove unauthorized hard inquiries : 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 2022-11-10
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
XXXX XXXX Credit Card paid in full, XXXX, credit reporting reflecting as " paid in full '' and past due simultaneously. Called their customer support number provided by experience, spoke with representative XXXX who would not provide any additional information about himself. He advised that the account would not reflect as paid in full until XXXX, was rude and provided inaccurate information. Advised that I could hang up and call again to speak with someone else if I did not like his response. I advised multiple times I would like to dispute the reporting that is reflecting past due for XXXX. Credit reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions 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:
on XXXX i submitted a complaint through cfpb, and experian has verified the account in question. 

XXXX XXXX XXXX  Account number XXXX a charge off with a balance of {$550.00} Is the account I disputed Experian has said they verified this as accurate and has not removed it from my report. how can you verify a charge off with a balance. 
a charge-off means that your creditor has reported your debt as a loss, so if they written off as a lose on there books how could there still be a balance reporting on that account. 

my rights are being violated and it is also older than 7 years since n should be removed regardless

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 2023-08-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I sent a payment through from my bank. When I sent this payment, my bank showed me the date it would be received, and it was on the due date. My bank shows the payment being sent on that day. Amex is showing the payment received the following day and has charged me a late fee. After calling to dispute this charge and having a hostile agent tell me it wasn't getting removed, I am filing a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On this date being XX/XX/XXXX I, XXXX XXXX is initiating a complaint against Rushmore Loan Management Services regarding my property located at XXXX XXXX XXXX in XXXX, New York XXXX loan number being XXXX. My monthly mortgage amount was {$350.00} from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXXmonthly payments commenced in the amount of {$330.00}. This complaint stems from the following and serves as the 2nd complaint against the Servicer, since XX/XX/XXXX : A ) Error Regarding Payment Remittance. 

Please be advised on XX/XX/XXXX I received the attached letter via email by a family friend who checks on my property and forwards any/all important mail when I'm out of town. In addition, I retain most of my important accounts with me when I travel. 

The attached letter states that my XXXX payment received by the Servicer was in the amount of {$300.00} short by {$47.00}. The Servicer states they are accepting the payment as a courtesy but I must remit the shortage with my next mortgage payment. 

On XX/XX/XXXX a money order from the United States Postal Service was purchased and submitted to the Servicer in the amount of {$350.00}. In addition, the payment was forwarded to the Servicer via Priority Mail. 

I am attaching the following as evidence of making the payment of {$350.00} to the Servicer : 1. US Postal Service Money Order Stub 2. Receipt for Money Order 3. Priority Mail Receipt I am requesting the Servicer to correct their Error and apply my XXXX payment in the amount of {$350.00} to my account accordingly. In addition, I requesting a letter from the Servicer rectifying this matter accordingly. Please be advised in XX/XX/XXXX monthly payments have decreased from {$350.00} to {$330.00}. However, I selected to make a payment of {$350.00}. It would be unlawful and unwarranted for the Servicer to fraudulently apply additional payments to my account when the payment of {$350.00} was forwarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a purchase via XXXX from seller XXXX XXXX, and the seller contacted me and told me the package was removed from the locker and told me they would issue a refund. That refund appeared on my account after I filed a fraud dispute for never receiving the package. Last week USAA, the bank knowing this, still went to XXXX and forced a payment from them, stole the payment, then told me they will reverse the credit because they determined it was an authorized charge. So why did they go back to XXXX and steal the money like it was not authorized and ignore the refund from the seller? They stole money and reversed my credit and told me that I have to pay it back on XX/XX/XXXX. Please make the bank give the money back to XXXX because that was fraudulent if they decided it was not fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: EQUIFAX, INC.
State: NE
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:
My credit report was pull on XX/XX/2018 And show delinquency and late payment. The delinquencies and let payment are 4 years old and still shows as recent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Signed up for the American Express Platinum card back on XX/XX/XXXX where it offered XXXX Membership points after spending {$5000.00} in 3 months. I would have to spend {$5000.00} by XX/XX/XXXX. 

I called on XX/XX/XXXX to confirm if I got the promotion and rep mentioned I did and that I am on my way to getting the promotion. 

I called again on XX/XX/XXXX to confirm how much I have left to spend to reach the minimum spending and to verify that I am still on the promotion. After further digging, the rep mentioned that I am not part of any promotions at the moment and that I will not be receiving any signup bonus. I've spent a total of an hour on the phone to figure out what happened and was told to contact Membership Rewards for further investigation on what happened. Unfortunately, the department was closed for the day. 

I called the Membership Rewards contact on XX/XX/XXXX and was helped by a XXXX XXXX. He mentioned that I will not receiving the Membership Points but he said he will file a dispute with me to upper management. XXXX called me few days later for a follow up and mentioned the decision stands and because I have had this card prior. I asked XXXX to further investigate because I did have not signed up for this card ever. He investigated and found that I indeed did not sign up for this card, but told me unfortunately it's a decision Amex has already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
This dealership XXXX XXXX ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase on XX/XX/2023, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than 2 hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be 2 inquiries from XXXX XXXX XXXX and it will NEVER be more than 2 inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw 7 inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only two inquiries and I then told him that I can very CLEARLY see 7 inquiries on my credit ( from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his manager XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit. After that, their sales manager XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the 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 2018-08-15
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for the Citi AAdvantage credit card on XX/XX/XXXX. About 2-3 weeks later, I received a letter from them asking for my pay stub to verify my income. I sent them my pay stub right away. Today ( XX/XX/XXXX ), I received another letter from them asking for my utility bill to verify my address. So, my questions are : ( 1 ) why can't they use the address on my pay stub to verify my address, and ( 2 ) why they didn't ask for both my pay stub and my utility bill last time? 
I called their customer service ( XXXX ), but their representative didn't give me a reasonable explanation. He also told me that my application will not be considered until they receive my utility bill. In addition, I have another credit card and checking accounts with Citi. Why can't they verify my address using my address information in their system? I don't know if they will ask for something else after I send my utility bill, and I don't know how much longer this application process is going to take ( it has been 4 weeks since I started ). So, I canceled my application. 
They have already pulled my credit ( and I have 800+ credit ). 
I think they are very inefficient, and they don't respect their client 's time.

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 2022-11-10
Company: EQUIFAX, INC.
State: WI
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:
XX/XX/2022 I sent XXXX a dispute letter demanding to remove XXXX accounts thats not mines. XXXXXXXX XXXX {$120.00}, XXXX XXXX {$3000.00} and XXXX XXXXXXXX {$0.00}. They are not following you guys rules, they have yet to provide me with investigation results. I also sent a 30 day to comply and haven't seen any changes or removals. Same with XXXX and Equifax and same accounts, except XXXX has a account XXXX XXXX {$840.00} that I also demanded to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

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 2023-04-25
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: Account status incorrect

Complaint:
I have recently applied for an apartment and was denied for three apartments because of this unlawful collection according to the 15 U.S.C 1681 this should not be on my credit because this is inaccurate information I am currently homeless and so this inaccurate information is causing me to get approved.

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 2019-10-02
Company: CITIBANK, N.A.
State: NV
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:
Citibank keeps calling 2-3 times a day, invading my privacy. Im currently out of a job, and they keep harassing me, even on a Sunday morning. Im always waiting for employers to call me for an interview, but never knowing if I could miss this opportunity because of a citi bank. They keep charging interest and late fees ; so fat it being {$180.00} on top of what I owe. They refuse to remove it, and keep increasing my debt.

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