BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good Day, Per my compliance with the XXXX Credit Bureau, I have called and sent numerous letters in regard to the matter. I checked my credit report and I see an inquiry authorized on XXXX on XX/XX/2023, however, on the XXXX website the dates are different XX/XX/2023. I asked for the hard inquiry to be removed from my credit report, I did not authorize this to be done, and to show me proof that I authorized this credit card company to run my 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 explanation
Consumer complaint received 2023-04-18
Company: Bread Financial Holdings, Inc.
State: CA
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 have had my credit card with XXXX XXXX credit card for the past four or five years in which i have paid my payments to them without any problems, but i live on the westcoast and every so often the due date falls on a non banking weekend saturday or sunday, but other customers like my self are being charged a late fee if the payment are not received on eastcoast time regardless if its a weekend non banking day, I shouldnt be penalize with a late fee, because XXXX XXXXsynchrony bank wants to make millions of dollars on late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XX/XX/XXXX I received a demand payment notice regarding account number XXXX dated XXXX XX/XX/XXXX from XXXX collections agency for an unpaid XXXX XXXX debt of {$1800.00}. 
When calling the company, the female debt collector stated the account was attached to my social security number. I demanded to know how did XXXX gain access to it and personal information since there was a security freeze put on my credit files in XXXX, and another one put into place in XXXX after reporting identity theft in XXXX of that year. I stated that someone had used my personal information to open a XXXX account and then created a bill in spite of the security freeze placed with all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: ROYAL UNITED MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We entered into a refinance agreement with Royal United Mortgage on XX/XX/XXXX. Our Loan Advisor ( XXXX XXXX ID # XXXX ) promised a Cash Out of {$7400.00} one of the conditions requested by us in order to continue negotiation. As of today we have only received {$2300.00} and {$2000.00} for a total of {$4300.00}.

For four or five occasion we had reach out to Mr. XXXX via telephone and message with no luck. 

Last time we spoke with Mr. XXXX ( XX/XX/XXXX ) he indicated that this was a mistake incurred by his company and he will call us back to resolve the situation. 

We would appreciate if you can assist us with his situation. 



XXXX XXXX XXXX XXXX XXXX LOAN NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: PA
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:
On or about XX/XX/2023 I called XXXX XXXX and informed one of the representatives that I no longer wished to share my nonpublic information with XXXX, XXXX, and Experian. The representative informed me that I can not limit the sharing of my information, however I informed the representative that pursuant to the Gramm Leach Bliley Act a consumer/ customer can opt out of having their personal nonpublic information disclosed to by opting out. The representative responded stating that she understands my concern but I can not limit the sharing of my information once again. The call ended and I typed a notice on or about XX/XX/2023 and sent it to XXXX XXXX. In this notice it contains this same request and I'm requesting for XXXX XXXX to stop sharing my nonpublic information with XXXX, XXXX, and Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: IL
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 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 2023-06-17
Company: Crow Creek Sioux Tribe
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of 2023 I had a family emergency and needed a {$1000.00} loan. I was not able to acquire a regular loan because of my credit score. River Valley Loans ( tribal loan organization ) approved me for the {$1000.00} loan. I originally signed for bi-weekly payments of {$260.00}. On XX/XX/2023, I called to change the payment date because I started a new job and my pay cycle changed. I spoke with a male agent asking if I can change the payment date and he stated yes. The next payment was originally supposed to deduct from my checking account on XX/XX/2023 but the date was changed to XX/XX/2023, and bi-weekly from XX/XX/2023. I failed to realize I signed up for weekly deductions of {$130.00} which was not explained verbally to be. I asked for biweekly deductions of {$260.00}. A payment was deducted from my account on XX/XX/2023, for {$130.00} and I noticed another payment was deducted on XX/XX/2023 for {$130.00} which caused my account balance to go low. I tried to reach out to the company but could not get through because of the high call volume. After doing research I found out Maryland law states that a lender can only charge 2 to 3 % monthly interest or 33 % annual interest on payday loans. After looking over my contract they are charging me an annual interest rate of 651.46 %. So far I have paid them back a total of {$1800.00}. I do not feel like I am legally obligated to pay back the rest of the loan. They are stating I owe a total of {$3900.00} if I am not able to pay the loan off early. I have attached a copy of of the new loan agreement as of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted 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 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 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 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 explanation
Consumer complaint received 2022-12-16
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:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/2022 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I have attached my driver 's license and utility bill showing proof of address.

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 2023-09-22
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We got a car loan from ally bank and now I have issues with my credit due to late payments and a repossession because of ally .we made our payments sometimes weekly or payment plans but would get letters saying it was going to be repossessed due to non payment and multiple times the payments we made towards our monthly payment was applied to the interest payment so we would be behind on our car payment .we also had my car repossessed without warning .almost ever phone call we made to ally we had to speak to a manager .they were the rudest company er have ever dealt with and they never had any of the previous calls on file that we complained about. Now our credit report has missed payment history due to ally financial

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 2019-05-30
Company: AMCOL Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IhaveneverhadanycommunicationwiththisAMCOL.Theyneversentmeanythingotcalledtryingtocollectadebtfromme.Ionlyknowofthisbecauseitwasreportedtothecreditbureau's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
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: Their investigation did not fix an error on your report

Complaint:
I have asked the credit report to remove this account from my credit report more then XXXX time as it has been on my report for more then XXXX. It was open on XXXX XXXX and closed on XXXX XXXX. The name of this company is US Dept .of Education. I have written letters asking for this to be remove from my 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 2022-08-15
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$480.00}

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 2021-03-16
Company: U.S. BANCORP
State: VA
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:
This is a follow up to complaint # XXXX on credit card # XXXX issued by US Bank, where it was earlier stated and declared CLOSED. The company has failed to clarify the {$82.00} charge and the unresolved mail delays due to COVID with unreasonable fees and charges of {$300.00}. On several occasions I have tried to call a XXXX who had addressed the letter dated XX/XX/2021 but received only on XX/XX/2021. This person had no stated last name considering this is a formal letter with copy furnished to the Consumer Financial Protection Bureau. As stated the letter came from the company 's XXXX XXXX XXXX with a given telephone # XXXX. The answering Customer Service person DOES NOT KNOW OR RECOGNIZE the " XXXX XXXX XXXX '' under the Office of the President '' and I was bounced off to several sections of the bank, This situation has waisted so much of my time and caused me anxiety, raising my XXXX XXXX to medically unacceptable levels. To end this UNFAIR practices of some credit card companies, I am sending a fair 50 % of the fees to permanently close this account. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was  discharged  on  XXXX / XXXX /   2017  after  Simons Credit agenc y could not validate the debt. However, they have resubmitted the account to my credit report after deleting it days later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I HAVE DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: NC
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 reviewed my Consumer Reports and noticed that I had multiple accounts opened in my name when I was incarcerated. I have provided proof to the creditors and they have refused to respond. I will provide proof that I was XXXX  from XX/XX/XXXX until 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 2023-02-18
Company: Experian Information Solutions Inc.
State: ID
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 sent a dispute to Experian because they have an account misclassified as a revolving credit account which greatly affects my score. Both other bureaus have it categorized correctly as part of the home mortgage. The loan is from XXXX XXXX XXXX and its a Home equity loan. Being in revolving credit it affects my Credit Usage % by adding 50 % usage when it is less than 3 %. As soon as I asked them to correct the miscategorization they deducted XXXX points from my score for absolutely no reason other than my 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 2023-06-17
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So I bought a design from a website called XXXX for XXXX dollars. I currently run an online clothing brand where I promote my clothes to customers that want to buy them. After purchasing the design, I attempted to promote it on social media but was met with a copy right claim saying that I couldnt use the design as I didnt own it. The problem is when you buy a design you OWN IT. Ive tried to contact the merchant from who I bought the design from but he wont get back to me. At this point I dont want the design anymore as I simply cant use it. I have tried to contact my bank Wells Fargo but there nothing they can do.

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 2021-03-16
Company: ID Analytics, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Last month, I attempted to open a XXXX XXXX XXXX account through XXXX XXXX. XXXX rejected my credit application and sent me a letter claiming that they were unable to approve it because my SageStream credit report was locked. 

I keep very careful records of all credit reporting agencies that I have locked or frozen. I had never heard of SageStream before receiving the rejection letter from XXXX, and I have no idea why or how my SageStream credit report was locked. 

On XX/XX/XXXX, I sent SageStream a request through their web site to send me a PIN through the mail so that I could unlock my credit report and apply for XXXX XXXX XXXX again. Their web site claimed that I would receive the PIN in the mail within seven days. 

It is now fifteen days later and I still have not received it. 

I just tried calling SageStream through their published phone number, XXXX, and it's just an automated system, none of whose options are applicable to this problem, and there is literally no option to speak to a human being. 

There appears to be no way for me to unlock my SageStream credit report which, again, I have no record of ever having locked and no way for me to reach a human being at SageStream to get this issue resolved. 

All this is unacceptable. How did my credit report get locked without my ever knowing about it? Who is SageStream? Why didn't their process for fixing this problem work? Why is there no way to reach a human being to get help?

Company response to consumer: Closed with explanation