BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
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 in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account.

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-05-05
Company: EQUIFAX, 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:
It is Equifaxs duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Equifax is reporting an inaccurate late payment for the XXXX XXXX XXXX account ending in XXXX. This is a 30-day late payment posted on XX/XX/. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Equifax written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX, I was laid off from employment. I tried to get my payments deferred for a short period of time. In order to do so, I was required to pay {$150.00} for a 6 month deferral. Once this was up, payments restarted. Intrest was variable and between XXXX and XXXX I asked about lowering the amount of the loan. I went over all of my finances and they told me they couldn't lower them, but also wanted to know how I expected to pay them with XXXX dollars left after my other bills. I told them I would be able to. After several months they sent me to their collections department. They then wanted {$18000.00} to settle. In XXXX they sent me to a separate collections agency who then tried to get me to put {$14000.00} on a credit card to pay off the loan. I refused to do so. Thursday, XX/XX/XXXX yet another creditor called me wanting the same, for me to place the loan settlement amount in full onto a credit card. 

I couldn't negotiate payment with them in any way, So they sent me to collections and quickly to a creditor though they still claim to own the loan, and now want me to charge that amount in debt to a credit card with around 23 % interest, which I can not and will not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Collection Management Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am still on XXXX  I don't know why they have been charging me I still have a doctor 's note from my primary doctor and XXXX doctor so I don't know why they are charging me should be taken care of from my medical and Medicare thank you so much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: CITIBANK, N.A.
State: MD
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:
In short, Citibank is holding my online access to my account hostage until I accept and activate a new credit card from them ( the MasterCard discussed below ). Citibank is apparently doing this to all of its customers. Citibank 's behavior is predatory and exploits the disparate bargaining power between it and its individual customers. 

My Citibank Visa card is set to expire XX/XX/2018. Starting in XX/XX/2018, Citibank disabled my ability to login to my account ( via its website or mobile app ) to pay my balance without first accepting and activating a new card -- this one, a MasterCard. Because I was unable to login to my account and pay the balance, I incurred interest charges on the outstanding balance ( ~ {$33.00} ). The same thing happened the following month, incurring an interest charge of ~ {$70.00}. On XX/XX/2018 Citibank 's website again would not allow me to make a payment. I called Citibank to explain the issue and that I should not be liable for interest charges because it was Citibank that was making it impossible for me to make timely payments. I pointed out how I have been a card holder for years and have not run a regular balance in at least four years. I requested that these interest charges be waived. Citibank responded that they would only waive one month 's worth of interest charges and that in order to pay online, I would have to accept and activate a new MasterCard, which it sent me a few weeks ago ( but which I have not accepted or activated ). 

This is effectively stealing from me and leveraging its control over my online account in order to force me into accepting and activating a new credit card. The representative then explained that Citibank was doing this to all of its customers.

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 2023-09-29
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: Information is missing that should be on the report

Complaint:
All three credit credit bureau. Please correct all information atleast on personal information. 
Attached is 3 credits information. 

there should be only ONE NAME, ONE Address, ONE DATE Birth. 

I dont want to use all technical words of FRCA. In 30 day it has be reported as below mention : XXXX XXXX XX/XX/1978 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX No Employers need to reported After this everything will be dealt on Court of law. I dont think FCRA or FTC can bends you hands

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 2022-12-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
i am filing this complaint on my own behalf, i noticed unauthorized inquiries on my consumer report and need someone to address this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: CITIBANK, N.A.
State: NJ
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:
Stayed at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX from XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX a transaction to my credit card for the full amount was processed. As of XX/XX/XXXX there are still two pending transactions on my Citibank credit card for XX/XX/XXXX {$160.00} and XX/XX/XXXX {$65.00}. Contacted Citibank and XXXX and both companies point fingers at each other that is the responsibility of the other to remove the pending transactions. It is affecting the amount available on my credit card limit to be used and I have had transactions refused because of this. 

Spoke with XXXX in Accounting at XXXX and XXXX and XXXX at Citibank on XX/XX/XXXX starting at XXXX XXXX  EST.

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 2022-12-06
Company: Sir Finance Corp
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX % XXXX Bank account was frozen Without notice about any debt for the amount of {$15000.00}. I do not owe anybody that much money. Not even financial aid for education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: LEXISNEXIS
State: TX
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:
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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-03
Company: Prince Parker & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I called the collection agency Prince Parker associates located in NC regarding my bill of {$900.00} from XXXX XXXX XXXX XXXX XXXX. I tried to come to a compromise with them on how to address the debt and that I can afford to pay $ XXXX monthly until it 's paid off. The collection agency refused and insisted on collecting $ XXXX monthly. They said that the account will be reported and wo n't work with what I can afford. I told them that I no longer have a full time job and that I would like this account to be resolved before it gets reported to credit bureaus. The lady refused to work with what I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681section 604 A section 2 states : I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instruction. 

The account opened XX/XX/2020 Amount {$2500.00} During the time at the XXXX at XXXX XXXX I recently moved in with my mom, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told I was signing a list of people in the home come to find out I was tricked into co-signing a lease. I didn't pay not one bill but my name is on the lease I've been trying to get this disputed for over 2 years now. It says its a joint account and been trying to move it to my moms since it was hers. I have called to get the documents showing a signed anything but the XXXX XXXX XXXX gave me the run around.

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 2018-05-08
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My Sallie Mae Loans were purchased by Navient. There are three loans in my name XXXX XXXX XXXX. On loan # XXXX since inception have paid {$27000.00} yet the loan balance has INCREASED by {$860.00}. Navient has taken lump sum payments i.e. {$300.00}, XXXX, XXXX and applied the majority to interest. In addition there is capitalized interest, forbearance fees, etc. The amortization schedule they provide does not reflect the beginning balance less payments ; instead it shows the payment whether it was applied to interest, fees or principal. 

In 2017 I paid {$5700.00} with ONLY {$270.00} credited to principal. In an attempt to understand/correct this situation I have made numerous phone calls without any resolution. It is impossible to get a straight, honest answer. 

My job is as a flight attendant earning approximately {$25000.00} per year. These loans are creating an unimaginable hardship on me financially and is creating an extremely stressful situation in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: AL
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/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Creditor, I am writing to dispute the negative items on my credit report associated with your company. I have reviewed my credit report and noticed several inaccurate and unfair items, including late payment accounts and charge off accounts. 
Firstly, regarding the late payment accounts for XXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXXXXXX ( account number : XXXX ), and XXXXXXXX XXXX ( account number : XXXX ), I would like to point out that these accounts were a result of temporary financial difficulties. While I admit that I fell behind on payments, I have since caught up and am now current on all accounts. I kindly request that you remove these late payment accounts from my credit report, as I believe they are unfairly affecting my credit score. 
Secondly, I noticed that XXXX XXXX XXXX ( account number : XXXX ) has charged off my account. I am devastated by this news, as I have always strived to maintain a good credit history. However, I was not made aware of this charge off until I reviewed my credit report. I kindly request that you provide me with more information about this charge off, as I believe it may be inaccurate or unfair. If the charge off is indeed valid, I would appreciate the opportunity to work out a payment plan to satisfy this debt and prevent further damage to my credit report. 
Finally, I am disputing the charge off accounts associated with XXXX XXXXXXXX ( account number : XXXX ) and XXXX ( account number : XXXX ). I have no recollection of opening these accounts, and I have not received any communication from your company regarding them. I kindly request that you provide me with more information about these accounts and take appropriate steps to remove them from my credit report if they are found to be inaccurate or fraudulent. 
As a law-abiding citizen, I understand the importance of maintaining good credit. However, the negative items on my credit report are causing me great emotional distress and anxiety. I kindly request that you investigate these matters thoroughly and respond promptly, as I am eager to resolve these issues and restore my good credit history. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After 2 years of paying on time we got a charge of more than 100 % of the initial debt. 

Initial balance : XXXX Date : XX/XX/XXXX Balance : XXXX Date : XX/XX/XXXX Interest Charges : XXXX Date : XX/XX/XXXX New Balance : XXXX Date : XX/XX/XXXX We called to pay off but the new balance would include all the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: LCO Financial Services, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
To : Blue Trust Loan Loan Department Regarding : Loan XXXX XXXX  Account Status : Active { {$720.00} } of XXXXPaid by direct withdrawal from my Bank Account at this time XXXX Payment is every 2 weeks as thats my payroll XXXX for XXXX a month for 9 months. Please advise Compliant : I spoke with a Blue Trust Loans Customer Representative over the phone. I was looking for a loan to cover a bill and came across the company after applying a representative contacted me.This Representative did not disclose me the information regarding the interest rates.After, I was approved and sign I received my loan documents per phone, and it was not until after speaking with the representative I check my email for the documents. I did not receive clear information, regarding the terms of taking out this loan. Check your recording, I was shocked to see that what I did for { {$720.00} } dollars. For the { {$720.00} } dollars I was scheduled to pay back for { {$90.00} } for 9 months.The interest rates were unclear and not fully explained to me not explained by the Representative that the total would be about XXXX dollars 9 months.I am also, filing a complaint to the XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with fair reporting act XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS FIRST ACCOUNTS I ISSUSED A UCC-11 THAT THEY IGNORED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : they are not the orignal creditor XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights in so many ways please note : 18 U.S.C 8 Obligation or other security of the United States defined 15 U.S.C 1681 SECTION 602A ( 4 ) STATES THAT THAT MY RIGHTS TO PRIVACY SHALL BE RESPECTED 15 U.S.C 1681B ( A ) ( 2 ) STATES YOU NEED In accordance with the written instructions of the consumer to whom it relates. WITCH THEY DO NOT HAVE ITS MANY MORE VIOLATIONS SUCH AS 15 U.S.C 1692 ( D ) 15 U.S.C1692 ( C ) A 15 U.S.C 1692B ( 5 ) 15 USC 1692B ( 2 ) USC 1692E U.S.C 15 1681Q 15USC 1681S -2 USC 15 6802 IF I NEED TO BE A LITTLE MORE DETAILED PLEASE LET ME KNOW. NO THIRD PARTY INCLUDED

Company response to consumer: Closed with explanation