BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loans with XXXX were discharged ( paid in full ) on XX/XX/XXXX. XXXX, a XXXX at XXXX informed me that the credit bureau would update all ( 3 ) credit bureaus in XX/XX/XXXX. They also provided written documentation regarding the status of the loans for record-keeping purposes. Upon reviewing my Transunion credit report, the debt was not updated and continues to reflect a balance. I contacted Transunion and shared that my loans were discharged and requested to have the account updated and was instructed to open a dispute as well as provide any supporting documentation. I have spoken to several CSR at Transunion and requested multiple times to have this account updated as well as provided discharged notice that reflects the account has a {$0.00} balance. Upon return of the dispute, Transunion did not update the account to reflect a $ o balance and paid in full, rather the dispute returned with the following comment account has been reported correctly Following, I contacted Transunion again and was informed that they use a system to obtain information regarding accounts and that they do not contact the creditor directly to verify the supporting documentation that was provided. Each time I contact Transunion, I am either transferred to another department or instructed to open a dispute. This is rather frustrating since I have attempted several times to get the account updated. Each time a dispute is open, it takes at least 30 days to receive an update which in this case no update to my credit report has been made. The delay in updating my credit bureau reports continue to impact my financial status and continues to report negatively.

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 2020-11-11
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:
On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 70 days later, I have not received a response yet. I feel like my disputes are being ignored. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 70 days, therefore these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused. My information was also impacted by the XXXX  data breach and may have ended up in the hands of the wrong people.

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 2019-08-24
Company: Experian Information Solutions Inc.
State: NJ
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 been in contact with Experian four times in the last four months regarding my credit report. I notified them of fraud and so far there hasnt been much done about it except for 1 of 10 negative accounts being deleted. I am a victim of identity theft and I am demanding that they comply with the law and remove the unverified accounts. I spoke with a representative at Experian who admitted to me that they never received proof from creditors stating that the accounts were indeed mine. This is malpractice.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I reached out to Experian to correct inaccurate personal information on my credit report. There is an address listed XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. I asked for this to be removed, but the rep ( XXXX XXXX stated that it can not be removed, because the address is listed by a creditor. When I asked the name of the creditor, he stated XXXX XXXX. I haven't conducted, nor ever received a statement, or any other business with XXXX XXXX from that address. Also, XXXX XXXX has the credit account as a charge-off, but they never sent me a XXXX. XXXX XXXX is also selling my information to debt XXXX without consent ( please see attached letter ). I need XXXX XXXX to have that inaccurate information deleted off my credit report immediately. XXXX XXXX is utilizing unfair credit practices.

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 2023-03-11
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We have a Citi Costco Anywhere Visa card which provides cashback at various levels for different spending categories. While it's often easy to understand how each transaction falls into a reward category, it isn't always clear. Citi does provide details regarding each transaction 's spending category, which should correlate with the applicable reward category, but they don't make this explicitly clear. Whenever we have a question about how a specific transaction is categorized for reward purposes, we find that information is not available. Upon seeking assistance from Citi, via both chat and phone, support agents were unable to provide transaction category details. One agent commented that they could only provide the information to the primary cardholder ( I'm the additional cardholder ). Although unconfirmed, I'll accept this interpretation for the moment, so I asked for a copy of the account terms and conditions ( T & Cs ). I asked if the information was available on the website or if it could be sent to us. After spending over 30 minutes on the phone with Citi customer support ( and getting transferred a couple of times ), I had to give up. Citi was unable to provide a current copy of account T & Cs, either online or via regular mail. That seems wrong and a financial services company should be able to provide the terms upon 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 2023-05-26
Company: Frontline Asset Strategies, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
frontline assest strategies and XXXX  are illegaly reporting a reaged account that has previously been removed from my credit report this account has always been the result of identity theft and a violation of my federally protected consumer rights per 15 usc 1681 c2, m 15 usc 1692 g fcra section 609,604, and 611 as well as fdcpa sec 804b3 this action is actually illegal and there is no factual basis of the reporting of this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 : XXXXXXXX XXXX  Account XXXX Account Name : 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 2023-08-14
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:
Credit bureaus are reporting an account that does not belong to me on my credit report as charged off and the account ( XXXX ) has never reported on my credit report and therefore has never reported 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 non-monetary relief
Consumer complaint received 2022-03-30
Company: CITIBANK, N.A.
State: SC
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:
Their was a hard inquiry I discovered on my credit report today XX/XX/XXXX, the inquiry was from XX/XX/XXXX that I had not seen before and did not recognize. I reached out to the company and followed the prompts. When I finally reached someone and addressed my issue, they gave me the same number I had used to reach them to start with. When I called back to try and reach someone, every prompt I tried told me no one was available and to try again. I feel like I was not taken seriously and that their should be a specific prompt for reaching someone about questions and concerns and that at anytime someone should be available to answer calls during business hours and not allowed to just tell you or prompt you to call back. When I finally did reach someone on prompt 6, I was given the same number used to even speak with the individual to start with and told to call that number ( the one I was already on call with ) to reach the front desk. Their are over 12 prompts for their number and none are for the front desk. After calling back and trying the call 14 different times, I was unable to reach anyone on ALL of the prompts I tried, including prompt 6 that was the only one where someone answered. Every prompt said no one was available and to call back which is ridiculous and very bad business etiquette.

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 2021-05-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Disputed items on XXXX and still no reponse from the credit agencies. Listed below are the accounts I disputed. 

XXXX | XX/XX/XXXX ( N/A ), XXXX XXXX AF inquiry XXXX  ( XXXX ) collection XXXX | XX/XX/XXXX inquiry

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

Complaint:
I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided 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 explanation
Consumer complaint received 2023-09-14
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I applied for an Ulta store credit card at the Ulta store in XXXX. My credit file received a hard inquiry on XX/XX/XXXX. I was told I'd receive a decision by mail within the next week ( 7-10 ) days. Two weeks had gone by and I still hadn't received any decision by mail or email or text. I decided to reapply by myself online incase my information had been typed in the system incorrectly by the cashier at the Ulta store. After I submitted my application online in early XXXX I received a letter from Comenity Bank that was sent on XX/XX/XXXX. Firstly, my name was spelled incorrectly in the letter which threw me off. It was spelled XXXX instead of XXXX. The letter said that I had put in a second application within a 30 day timeframe from the original application and it could not be processed. It had also read that I already received a decision from my first application which I had not. I tried to apply for a college student credit card through the XXXX website and after a review of my credit file with the hard inquiry from Comenity Bank they were unable to approve me even though I have no credit line opened with Comenity Bank. Its the hard inquiry on my file thats inhibiting me from opening a card thats meant for credit card beginners.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: IL
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX FL XXXX, IL XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} 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 2023-09-14
Company: ALLY FINANCIAL INC.
State: IL
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: Investigation took more than 30 days

Complaint:
Subject : Dispute for Late Payment Reporting on Charged-Off Account Dear XXXX XXXX Dispute Resolution Team, I am writing to formally dispute the recent late payment reporting on my charged-off account that is currently in collections. After initiating a dispute for incorrect information on this account, I was pleased to see that XXXX XXXX updated the information on XX/XX/XXXX. However, my satisfaction was short-lived, as on XX/XX/XXXX, you reported a late payment on an account that has already been charged off and is in collections. 

This late payment notation has had a significant and detrimental impact on my credit score, causing it to drop by XXXX XXXX. As a result, I have lost my pre-approval letter, which was crucial for providing for my family 's needs. This sudden decrease in my credit score is creating substantial financial hardship for me and is negatively affecting my livelihood. 

I urge you to investigate this matter urgently and rectify the situation by removing the late payment notation from my credit report. It is essential to correct this error promptly to restore my credit score to its previous status and enable me to regain my pre-approval letter, which is vital for my family 's well-being. 

I am prepared to provide any necessary documentation to support my dispute and facilitate a swift resolution. Please consider the significant impact that this late payment notation has had on my financial situation and act promptly to rectify this issue. 

I look forward to your prompt response and resolution of this matter. Thank you for your attention to this urgent issue. 

Sincerely,

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 2023-03-14
Company: Regional Management Corporation
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 information incorrect

Complaint:
in accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15usc 1681 section 602 sates i have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consomer reporting agency can not furnish a account without my written instructions 15 USC 1666b A credito may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My XXXX state tax refund was deposited into a Wells Fargo bank account. This is account is not mine and I never had a Wells Fargo account. I believe who ever the account was has taken my tax refund. I did not give permission to have my tax refund deposited into this account. The refund was deposited into this account around XX/XX/XXXX. The bank will not give me any information on how to get my money 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 2022-03-30
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX Huntington Bank sent me an e-mail stating that a deposit that I made at a branch would be on hold until the funds cleared. I called and asked customer service why, I was unable to get a good answer since the funds have already been transferred from the bank account that the check was written on. 
The next morning I attempted to log in to check status of account. Huntington web site stated that I have had too many login attempts and that I could not log in. I had not attempted any login. I called again and was told that all of my accounts were on hold pending the check clearing. I have over {$30000.00} deposited, not including the new deposit. I challenged the right of Huntington to encumber all of my accounts. I attempted to escalate the matter through customer service after reviewing the Huntington disclosures regarding the account hold. No one was able to direct me to any document that states they have the right to do anything except not allow me access to the funds for the check in question. The last conversation I had was with a supervisor XXXX XXXX who directed me to an online disclosure " Huntington Online Services Agreement '' which states ; VIII. GENERAL TERMS ( THE FINE PRINT ) We may change the terms of this Agreement at any time. Unless the law requires us to send you a specific notice, we will decide what kind of notice we will give you and the method of providing the notice ''. 

Unfortunately, this agreement is not in a format that can be uploaded. I requested again to be put in touch with an administrator who could resolve this situation but was told that it was not possible. I find this action that was taken to be completely unacceptable. Invoking a fine print statement stating that the bank may change terms at any time without notice is absurd. I want to be contacted ASAP by an executive to resolve this matte

Company response to consumer: Closed with explanation