BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX asserts no impact to personal credit score when running XXXX small business credit card application. 
My personal credit score was impacted immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: PA
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:
I have been reaching out to XXXX XXXX for almost the last XXXX years about this loan and I'm still getting the run around with no clear cut answers on why there is still a loan balance on my credit report. The loan was paid in full by my insurance and the remainder by my gap insurance. I recently got in contact with someone from American heritage about the loan and was told that I would be reached back out to. The only thing that occurred was a {$780.00} decrees in the balance ( {$2400.00} ) to ( {$1600.00} ), still with no proper communication as to why there was a balance ever to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX2022 I sent a letter to XXXX, Experian and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 60 days later I have not recieved a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Attached is my original copy of my dispute with them! 
Please attached files.

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 2023-05-02
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Apparently, this company known as XXXX XXXX claims on my credit report that I am indebted to them for {$790.00}, then {$790.00}, then {$190.00} then {$190.00}. Firstly, how is it possible to make duplicitous claims, and secondly, these claims, from wherever they are, have been on my credit history wrongfully for ages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2018 I applied for a loan online and the company stated they needed a credit report from Transunion to complete the application and forwarded me to a transunion website. The website stated it would forward the company a report for {$1.00}. 

I never saw the credit report they were supposed to be forwarding to the loan company and today I got a bill on my account for {$20.00}. When I called to cancel the debt I got a lecture from someone speaking broken English about the legal sufficiency of their charge and a lot of XXXX about identifying myself and the importance of a transunion credit report for job searches, and credit matters, but no action on removing the charges and no action on cancelling the recurrent debit. 

The customer service rep acted as though he was a lawyer and career adviser but failed to address the issue about the debt. The Transunion rep claimed that in agreeing to purchase the {$1.00} one time report I agreed to a recurring debit and it stated so on the website. The website may mention something about a recurring debit but it is not in a clear an umambiguous fashion. To hide a recurring charge in the fine print shoutd be illegal and is at best unethical. Moreover, the day I noticed the charge ( which is today ) is the same day the charge was made and the same day I contacted them. Now they are trying to insist that those charges were earned. The only thing I received from them was an invitation to register for their services, I never logged in, or accessed their services in any way. I never received an e-mail acknowledging the recurring debit. XXXX, I don't even know if the lender ever received the report I was seeking to send them, which led me to transunion 's web site in the first place. Is transunion pretending to be a lender just to get people entrapped in their recurring debit scam?. 

I would like the FTC to look into this type of practice and force the credit reporting agencies to make sure the consumer acknowledges specifically separate and apart form their {$1.00} promotion any recurring charges. Moreover, Transunion should be forced to return my {$19.00} cancel any future charges they plan to make on my account and their customer service personnel need to be retrained to understand when a person calls to cancel a service it is not up to them to make the caller feel like he is guilty of being inattentive and at worst stupid for wanting to cancel a service they did not seek out. All they had to do was cancel the service and instead they try to make you feel like " if you are nice we won't continue to cheat 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 monetary relief
Consumer complaint received 2018-11-02
Company: CITIBANK, N.A.
State: TX
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/XXXX there was an unauthorised transaction ( {$2000.00} ) on my credit card with a merchant ( XXXX  XXXX XXXX ) in XXXX. I gave the card to the merchant to check if it could be used as it is a USA card but the transaction was not authorised. I disputed this transaction and the credit card company resolved it against me ( on XX/XX/XXXX and again on XX/XX/XXXX ). I made the payment in XX/XX/XXXX.

I went to the merchant recently ( XX/XX/XXXX ) to resolve the dispute but to my surprise learnt that the merchant did not receive my payment. The merchant shared documents which clearly state that the merchant bank issued a permanent debit to their account for lack of sufficient proof. 
When I checked with the merchant bank, they are saying they issued a permanent debit to the merchant. They want my credit company to raise a second charge back request and then they would credit me but my credit company is saying they had already resolved the dispute and can not help anymore ( letter dated XX/XX/XXXX ). They want me to resolve with the merchant but the fact is the merchant doesn't have my payment as it was permanently debited by the merchant bank. 

To summarise, my credit card company resolved the dispute against me and I made the payment. 
The merchant bank issued a permanent debit to the merchant and ruled that the transaction is invalid.

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 2022-03-31
Company: EQUIFAX, INC.
State: PA
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:
New Dispute, EQUIFAX will not let me access my report according to law with ease, since I've put in complaints as well as certified mail EQUIFAX will no longer let me in to view my profile. I am XXXX  Very Bad, EQUIFAX is hurting me causing damages where as i am moving this month and can not let them check my credit due to EQUIFAX dropping my score drastically. It has cause XXXX  and XXXX  not to mention XXXX knowing, my chances are next to none now because of EQUIFAX. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to EQUIFAX Furnishing, Housing or producing my personal Information. I did not give written consent for XXXX to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law Keep all Accounts Remove negative Information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: TX
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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I disputed this inaccurate information on XX/XX/XXXX and reached out to the following companies for assistance VIA TELEPHONE and still this has NOT been resolved I provided TRANSUNION information explaining that I am a victim of identity theft and let them know this action items where UNAUTHORIZED and not a result of my doings ( SEE POLICE REPORT - FOR THEFT ATTACHED ) In my dispute I asked that an employer AND unknown hard inquires be removed as they are damaging my reputation and character PER, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

**** Transunion is in violation, as I have stated and was willing and to provide documentation that these hard inquired are inaccurate! I have explained that this false reporting is unfair, and affecting the privacy of my information. 

PER, 15 U.S.C 1681 e - Accuracy of Report ( B ) states. Whenever a consumer reporting agency prepares a consumers report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relate. 

**** TRANSUNION has not gathered or provided the maximum possible and reasonable procedures to ensure this false information reporting on my credit report is accurate. 

The following HARD INQUIRES & EMPLOYER INFORMATION SHOULD BE DELETED!! 

Employer : XXXX XXXX XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I noticed on my recent statement that PayPal charged me a late fee after not making the minimum payment by the due date. I scheduled the payment onlinein advancefor the next day. They did not make me aware that they would charge me a {$41.00} late feethe next dayif I did not make the payment by the due date. When I tried to get in touch with the company, their customer service number was busy ; I called multiple times. Their online chat also was no help. I tried logging into my account today to see the balance and it is down for maintenance. 
I have been a customer for years and don't remember ever being charged a late fee. If they are going to charge a late feethe next day, they should at least have a reminder on their website for people who schedule payments in advance. I would have just dated it for the due date since it was only one day off. To sneakily charge late fees the next day, then have their line be busy so they don't have to deal with customers, is a shady business practice.

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 2023-10-04
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 belongs to someone else

Complaint:
I have been a victim of Identity Fraud. Some thief opened a XXXX XXXX card in XX/XX/2023 with my social security number attached to it. I recently found out about it at the end of XX/XX/2023 when my XXXX card I have in my possession was closed. I received a letter and called the customer service dept to inquire about what happened to my acct. I was then informed about the XXXX XXXX. I quickly informed them I have not opened a XXXX XXXX  with XXXX. I was informed about the fraudulent charge total, the incorrect email address on file, the incorrect mailing address and the incorrect phone number attached to this XXXX XXXX. I later called back to confirm if this account was also closed along with my original and my only account I ever opened with XXXX. I was told it would take up to 90 days for an investigation to be processed. I have sent them a certified letter with an identity fraud affidavit, police report, credit dispute letter, FTC complaint letter and identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
Advance Financial got Harpeth Financial to garnish my check. They say I was served but I was not. I paid this loan off in full. Ive left tons of messages but they will not answer the phone or return my messages. They are garnishing almost {$700.00} bi weekly. Im going to to put in for a slow pay I guess even tho I paid it off because they wont respond to me and they wont return my messages. If they will just talk to me, even their mobile app shows that I owe them nothing. This is insanity. I think Im going to go to the news about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
The XXXX Loan Care website has been consistently down for over a week. The app does not work either. I have screenshots as proof. Because of this, I am not able to make my mortgage payment and I find it unacceptable and will be challenging Loan Care legally if late payment is reported to credit bureaus. I tried calling and was disconnected several times. I was able to make a payment on the phone, but the website does not reflect this nor did I receive a confirmation email. Now I am worried that the website and mortgage provider has been hacked. My payment was due on XX/XX/2023 and I have been trying over and over to pay it all month especially the last week with no luck. I can not connect with a representative at LoanCare as when I select this option, the call auto disconnects. The website is full of errors and messages that say " oops something went wrong '' or " error try again later ''. I literally can not make my payment and I am now approaching 30 days late. This isn't fair and certainly should be illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Keep getting letters and calls from collection agencies saying I owe money that I never knew I had since my identity was stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 recently received a copy of my ( XXXX, XXXX or Transunion ) consumer report, and I noticed that it is reporting my experience with these companies. 

The line of credit reported with these companies is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX  XXXX XXXX acct # XXXX XXXX  XXXX  acct # XXXX XXXX XXXX  XXXX acct # XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX  XXXX  acct # XXXX XXXX/XXXX  acct # XXXX Your company is in clear violation of the law. 15 U.S. Code 1681 ( A ) ( I ) -EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) a report containing information solely as to transactions or experiences between the consumer and the person making the report! 

THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Put the creditor Name here ) making the report is NPT INCLUDED on my Consumer report! 

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) put creditor name here ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681A 2Ai by reporting the transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have XXXX calendar days to update my utilization to 5 % or below and delete all Utilization from the below account. 
( List accounts with high utilization here ) Failure to respond satisfactorily with deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616. Civil Liability for willful noncompliance [ 15 U.S.C 1681n ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove 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