BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
After doing some extensive research on my rights as a consumer, it is to my understanding that you are in violation of the FAIR CREDIT REPORTING ACT on both these accounts. You have violated my rights!

15 U.S.C 1681 section 602 A. States that I have the 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 instructions. 15 U.S.C 1666B :
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I am demanding this account be updated asap to PAID AS AGREED NEVER LATE ( PAANL ).

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 following companies have violated my rights : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A, states that I have the right to privacy 15 U.S.C. 1681 Section 604A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX XXXX account number 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.

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 2022-08-25
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed an FTC report and have a fraud alert on my account. I have mailed and called each major credit bureau and asked the fraudulent item to be removed to no avail. 

Mailed letters to all three on XX/XX/2022 XX/XX/2022 I have also disputed multiple times via their websites over the past year XXXX XXXX XXXX The account is with Discover Bank it has a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
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 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.

1. XXXX XXXX - Account XXXX : XXXX, XXXX. XXXX XXXX - Account XXXX : XXXX, XXXX. XXXX XXXX Account XXXX : XXXX and XXXX. XXXX XXXX XXXX : xxxxxxxxx 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 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 explanation
Consumer complaint received 2021-10-21
Company: Experian Information Solutions Inc.
State: MO
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:
Im filing this because the 3 major credit bureaus has ignored the fact that my identity has been compromised in which resulted in unauthorized accounts reporting on my credit files. Ive requested the name and title of the person or persons that conducted so called investigation prior to this official complaint. Im a victim but refused to be victimized by these 3 credit reporting agencies. Im demanding the immediate removal of the following accounts, or a signed individual contract with supposed businesses in which I have no business with, please remove. 

1 ) XXXX XXXX XXXX {$68.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) Dept of ED/ XXXX {$3900.00} 7 ) Dept of ED/ XXXX {$2700.00} 8 ) Dept of ED/ XXXX {$2700.00} 9 ) Dept of ED/ XXXX {$1900.00} 10 ) Dept of ED/ XXXX {$1700.00} 11 ) XXXXXXXX XXXX XXXX XXXX {$520.00} 12 XXXXXXXX XXXX XXXX XXXX {$540.00}

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 2021-10-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: VA
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:
Found some hard inquiries on my credit report that are not mine

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 2023-12-04
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The law requires the fair credit act law be followed no if and or but about it the fact is my credit report at Experian is completely false based on my race and gender being a successful aXXXX with good credit this company have failed to update my credit card usages on a monthly basis I have my evidence its your job to get your evidence on my credit card balance by the end of the business day today I want the experian app updated or remove all my personal information for life by the end of the business day today False credit card balance is fraud the law requires a monthly update that never occurs based off my race and gender I filed over XXXX disputes within this year of XXXX since XXXX, XXXX and XXXX with mail sent out as still pending and no update or inaccurate information fully removed this is against the law and your job to correct and removed and verify all information on a monthly basis as the The fair credit act law requires all Credit bureau to follow rules and regulations do you understand that law if so do your job by the end of the business day today The law requires I file XXXX dispute only and thats thats not law requires me to keep disputing the same information on my credit report I have already filed dispute on all not XXXX on all XXXX loan if experience, Customer Service employees and managers cant obtain my XXXX loans information, they need to be fired for failure to do your job. Call the XXXX department of education XXXX call them do your job call them right the XXXX now before the end of this XXXX business day XXXX call them right the XXXX now department of XXXX education loans you have the loan holders information on all of them XXXX XXXX loans call each one of them XXXX and see what the XXXX they tell you dirty XXXX I have headed up to the roof with you. Incompetent XXXX XXXX working in this XXXX department, putting the whole XXXX consumers phone because you failed to do your XXXX job and keep this XXXX information up to XXXX date I want you XXXX fired you dirty XXXX XXXX, and I dont give a XXXX I said what the XXXX I said.

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 2023-12-03
Company: Experian Information Solutions 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 filed a complaint on XX/XX/23. File number XXXX. The company 's initial response was on XX/XX/23. It has clearly been more than XXXX  days and according to the FCRA the company has 30 days to investigate and resolve my complaint. It has been XXXX  days with no response or resolution to my request. 

Therefore, the only acceptable resolution to my case ids to have all of the disputed accounts removed from my credit report effective immediately. This is a direct violation of my consumer rights.

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 2023-05-04
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-08-01
Company: CITIBANK, N.A.
State: SC
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:
On XX/XX/23 I attempted through automatic withdrawal through my bank to pay the balance due on my Costco Citibank credit card. In error, instead of entering {$110.00}, I entered {$10000.00}. Once entered, I saw my error and attempted to correct it by hitting ESC. It appeared to have worked. I then reentered the balance due payment as {$110.00}, the correct amount. 
On XX/XX/23 I attempted to withdraw {$100.00} from my XXXX XXXX XXXX ATM but could not. When I inquired at the bank, I was told my account was overdrawn. Citibank had received both the correct balance due of {$110.00} and the erroneous {$10000.00}. My bank, XXXX XXXX XXXX reversed the incorrect transaction due to insufficient funds in my account. At that point my balance due on the Costco Citibank Visa was XXXX. 
On XX/XX/23 though I owed them nothing, Citibank resubmitted the incorrect transaction, which was honored due to my XXXX XXXX and other deposits having been received. This payment to Citibank left me with {$5.00} in. my account. When contacted, Citibank at first said they would issue a credit to my credit account. When I objected they said a check would be issued but would take XXXX business days. I was penniless and had to borrow from friends to buy food and pay bills. XXXX XXXX XXXX issued overdraft charges each time an automatic withdrawal came in. 
On XX/XX/23 I received a check from XXXX for {$9700.00} backdated to XX/XX/23 Citibank had deducted {$240.00} to cover charges made after the statement date and not yet due. I am a XXXX XXXX living on XXXX XXXX and a small pension. I was penniless. I had no money to pay any bills or even buy food while Citibank held my money not owed to them to earn interest for its bottom line.

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 2021-04-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I was charged XXXX from XXXX XXXX XXXX XXXX XXXX XX/XX/03 XXXX XXXX XXXX XXXX! This was a stop in XXXX at a souvenir store from our tour guide. Upon buying ( two XXXX, two XXXX XXXX and a XXXX ). I thought my total was around XXXX XXXX XXXX. Comes two day later I had an extreme charge of over {$900.00} USD from my bank account. I immediately contacted Chase told them what happened : even told them had a witnessed that double checked the amount was corrected. I guess the souvenir shop decided to add a 0 prior do check out, all of it was very sketchy.

Unfortunately the bank declined my dispute and I'm sure I'm nothing more than a number to them so clearly they choose the easy route. I have never done this before as I didn't even know there's was a protection bureau. I'm simply asking you for your help as I will never bank with chase again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
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:
I was never notified XXXX sold 2 loans and the company XXXX never notified me either.

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 2023-12-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I secured a XXXX XXXX XXXX XXXX credit card and it transferred {$2200.00} over to PayPal Credit, Synchrony Bank. This was to occur a few weeks ago. 

The loan is still showing the same amount, costing me money. 
Can you please contact them and ask them to find out why they have not applied the payment? 

XXXX XXXX XXXX XXXX making the payment to PayPal Credit is XXXX XXXX XXXX XXXX XXXX  expiration XXXX XXXX Pay Pal Credit statement show account blocked out it is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Within the last 6 months, Ive sent Multiple disputes and FTC report to credit management and to XXXX XXXX and XXXX XXXX. for some reason this account for {$42.00} with credit management keeps coming back verified and Im sure of how its being verified. One the account is fraudulent. Second Ive never done business with credit management Ive never answer into a written or signed contract I have said multiple times this is not my debt I do not assume responsibility for this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: MA
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX reported a late payment to all XXXX credit bureaus even with my loan obligation being fully satisfied. My insurance company electronically transferred {$9600.00} to XXXX XXXX on XX/XX/23. I'm sharing the receipt of this here. Once I was informed by my insurance agent that payment was made in full, I canceled my last payment. Further, XXXX XXXX sent me a refund of XXXX payments after my account closed for the last week of XXXX and the first week of XXXX due to overpayment made on the account. 
Despite providing evidence, XXXX XXXX refuses to make the changes necessary on my credit report. As a result of this late payment, my credit score has now dropped XXXX points and I am unable to get financing on another vehicle.

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 2019-08-07
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was informed by SunTrust on XX/XX/XXXX that The premium ( MPI ) will be eligible for deletion after XX/XX/XXXX and when your principal balance reaches a LTV of 78 % or % XXXX However, I received a statement from SunTrust Mortgage yesterday stating that As of XX/XX/XXXX your home has gained sufficient equity to eliminate the FHA monthly insurance premium I do not appreciate being given contradictory information. Apparently, SunTrust 's marketing staff and the persons administering its mortgages dont communicate with each other.

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 2023-12-04
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: Public record information inaccurate

Complaint:
This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the XXXX segments of the XXXX XXXX requirements including The Header Record, containing XXXX fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, Containing XXXX fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
NOTE : Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation.

It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide XXXX XXXX COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the

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 2023-08-21
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have called Transworld systems several Times... to get absolutely no results. I can not even leave a message because there is no room on the answering device. yet they have reported a collection on my credit report. This isn't a debt that I wasn't paying on. I owed around {$1500.00} as of XX/XX/2022. I have paid it down to what they are saying is now $ XXXX have received no notice that this was going to collection or that it would be sold to this company!! I have never missed a payment to any creditor in my entire credit history!

Company response to consumer: Closed with explanation