BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
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: Their investigation did not fix an error on your report

Complaint:
EXPERIAN Has kept the same XXXX late payments on my account damaging my credit for over XXXX years, and I want XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX CARD, XXXX REMOVED FROM MY EXPERIAN CREDIT REPORT 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 non-monetary relief
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im stressed and cant believe to my knowledge its been over 1200 days ago I sent letters about an investigation into items that were Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit 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 2020-08-11
Company: U.S. BANCORP
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
My credit card with the account number ; XXXX XXXX XXXX XXXX was fraudulently used at a merchant named ; XXXX *XXXX XXXX   XXXX XXXX GA in the amount : {$2100.00}, {$2000.00}, {$2100.00}, {$2200.00}, {$2200.00} and according to the card terms and agreement, as I customer I am covered with 0 % fraud liability but my account was shut down and Elan financial Services are asking me to pay the amount of XXXX one also my account was shut down because they claimed I didn't responsibly handle my credit card properly which is no where in the agreement. I lost my card during the XXXX XXXX XXXX protest in XXXX, my wallet and ID And other credit card were stolen and this is something I don't have no control over. I am being treated unfairly and I feel intimidated/ discriminated against cause if I were to be a white customer I believe this situation would have handled a little differently.

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 2023-08-06
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX agency is Transfinancial Companies representing XXXX XXXX XXXX, the amount billed is {$680.00} and {$290.00}. The dates of service is XX/XX/XXXX. I have spoke directly to Transfinancial Companies whom directed me to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and spoke with the Business Director, XXXX XXXX, she stated " she does not what to do what to do with the bill ''. I'm disputing the bill because at that time I was a prisoner at XXXX XXXX, I was brought to the hospital after being arrested not at my request but because the officer assumed I needed care after previously having a XXXX that I was already treated for at another hospital 2 days before my XXXX. During the hospital visit I refused service with signed documents that the billing office viewed and still chose to bill me for services that were not rendered and also given without my consent. My point of contacts were XXXX XXXX at ( XXXX ) XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX of XXXX. I feel that I should not be held responsible for the bill being that I was not brought to the hospital as a XXXX, also I denied treatment with proven documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-08-06
Company: U.S. BANCORP
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a account with US Bank. Had several deposits made into the account. Then after about a week they froze the account disconnected my debit card without reason. Went to the Branch verified my identification after several attempts still was not able to access my money. Spoke to a manager said that they would fix it still was not able to access my money. For over two months almost 3 I have not been able to access {$1600.00} of my money. No one will give me a just reason and I have asked for the release of my money several times including going in person to pick up a cashiers check that I was denied. Due to this I have now had been charged massive amounts of late fees and been late on all my bills including my rent and I am losing my home. And still have not received my funds.

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 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Good Evening, recently was viewing my credit report and seen accounts on my report that are not mine. Looked up online what to do next and I Seen it was best to get an FTC report which is a police report and also got a identity theft affidavit. I filed both, I attached the identity theft victims complaint and Affidavit. Also the FTC report. These accounts are pushing me back. I was wondering why my score was down and i was having problems getting approved. This hurts bad to know that im a victim. Its better to know i will be helped. 

Thank You in Advance. 
XXXX bless 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 2023-10-17
Company: EQUIFAX, INC.
State: FL
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 having this issue since XX/XX/2023 and these accounts do not belong to me and were caused by identity theft/fraud. I have requested several times that the companies need to send me the debt of validation letter but they have failed to do so 3 times and that's breaking the law. per 15 usc 1681b as a consumer I know my rights and this is illegal. These accounts were not authorized by me at al and they should not be reporting. Before i report you to the business better bureus and my attorneys general I will give you all 1 more chance to reinvestigate this matter the right way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Officially changed my name with my banks and credit cards over 1 year ago. This change is still not reflected on my credit reports, causing me to be unable to secure a car loan. I sent in proof of name change, new social security card, and letter with request of action to all credit reporting agencies and did not hear back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX and I am submitting this complaint without any influence or agency. Please see attached.

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 2019-08-27
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collection on my report from XX/XX/XXXX from a collection company that was removed because they never sent me confirmation of the debt to even tell me what it was for. I just went to get a home loan and i see a collection for the exact same amount from another collection company only this time it has a date of last action of XX/XX/XXXX. Even if this debt was legitimate which i still have been unable to get any information on even with the new collection company the fact that they have changed the date of last action has severely affected my credit score to the point where i can not get a home loan since it is a new derogatory item that has cost me 50 credit points. I have tried disputing it with the bureaus and tried getting more information about it from the companies themselves but had no luck. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name/ Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. I fell victim of fraud my XXXX XXXX accounts was comprimised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Cares Act creditors/credit bureaus are not allowed to put late payment info during times of covid XXXX XXXX XXXX XXXX XXXX XXXX  Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I pay all my bill on time and my credit goes down frequently plea se help with matter i don't have pending bill

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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day and can not verify these accounts, under Section 611 ( 5 ) (  A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this matter as soon as possible. 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 2017-08-01
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX has allowed someone to open a debt in my name that does not belong to me. I have submitted all documents to all companies and the credit bureaus. the companies has also forwarded the documents to XXXX XXXX XXXX. I have called XXXX XXXX XXXX and spoken with them personally to verify that they know this is a fraudulent account. XXXX XXXX XXXX continues to resell this account to different collection agencies to have them report this debt to my credit. they have had this debt re reported 3 times wile changing the amounts of the amount owed so that the credit bureaus will re-report. This is against the FCRA rules and i made XXXX XXXX XXXX aware of this and they still have this account re reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/23, I sent to CITIBANK via USPS certified mail XXXX postal money orders ( which are negotiable instruments UCC Article 3 ) for {$5.00} each for XXXX different credit cards as payments. XXXX card the balance was {$8600.00} and the other was {$830.00}. Both postal money orders were redeemed and cashed and applied to my accounts on XX/XX/23 as payment in the amount of {$5.00} each account. 

On both postal money orders I wrote out my negotiation statement on both postal money orders as again they are negotiable instruments the follow : I accept your offer in the amount of {$8600.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument. 

I accept your offer in the amount of {$830.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument. 

signed by me ad well as " without recourse '' and my name printed as well. along with codes UCC 3-603/3-331. As well as the account numbers to both cards They redeemed both money order which means they have to honor what was written on it by me from the terms of negotiating. I called them and they refused to honor what was written. I told them that UCC is commercial law and since they are working in a commercial capacity they have to honor and obey these laws/codes. 

I would like to file a complaint and hold them accountable for not honoring law and my negotiable terms upon redeeming my negotiable instruments. I would like for them to honor and credit my accounts and zero out both balances. 

I do have photo color copies of both money orders as well as receipts and the coupons from citibank. I look forward to hearing from you soon. Thank you for your help.

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 2019-06-27
Company: Coastal Credit, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When I originally got the truck loan I gave Coastal Credit an account to use for Direct Payment. After two payments I closed the account due to fraudulent charges ( unrelated to Coastal Credit ) and did notify them. I told them I would be paying either over the phone or online for the duration of the loan. Coastal Credit continued to try and withdraw funds from my closed account and would not discontinue until after six months. Now Coastal Credit will not allow me to pay online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Im a victim of unfair credit reporting act resulting in the lose of equity due to me according to 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card ( my social security number ) by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. : multiple inquiries due to a data breach, names reporting that arent mine, closed accounts reporting as negative delinquencies, and late payments reporting on accounts stated paid as agreed. I have tried to inform XXXX, Equifax, and XXXX  of the fraud investigation I reported regarding credit accounts for the last three months ( XX/XX/2021 until the present time ( XX/XX/2021 XXXX XXXX and to no avail Ive gain unnecessary delays in processing my written request and unacknowledged notarized affidavits, along with the unwilling assistance in resolving the issues concerning my credit as previously stated like wrong names on my report, inaccurate addresses, closed accounts reporting as derogatory accounts, late payments listed under accounts in good standing, and student loans reporting without my written consent that violates my request to privacy pursuant 15 USC code 1681 ( b ) ( 2 ) In accordance with written instructions of the consumer to whom it relates. As a consumer I rely wholeheartedly on the efforts of the Consumer Financial Protection Bureau to protect, correct, and reaffirm my trust in the ability to gain fair reporting concerning my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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

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