BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have paid off my account which is now a XXXX balance. The last reporting on my credit report is showing that I owe more than {$1900.00} balance and XXXX XXXX Account ( XXXX XXXX ; Main account holder and fiance ) ; Account # XXXX. Please rectify this issue to show a XXXX balance and that I am in good standing with a XXXX   balance. XXXX stated that there was an error per phone call ( which is FCC regulated and confirmed via recording ), according to the Fair Credit Reporting Act. Please fix this issue immediately as I am buying a new home and this has negatively impacted my score to do so due to the debt to income ratios.

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 2022-03-03
Company: EQUIFAX, 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:
EQUIFAX is reporting an account on my consumer report without my expressed written consent. I am a consumer who is not in contract with EQUIFAX and I do no consent to the reporting of XXXX XXXX on my consumer report. 

This is a violation of my privacy rights and a violation of 15 USC 1681b Permissible purpose of consumer reports. Under 15 USC 1681b ( 2 ), EQUIFAX can only furnish this account with my expressed WRITTEN consent. No consent is identity theft under Federal Law.

I initially notified EQUIFAX on XX/XX/XXXX, and followed up with that notification on XX/XX/XXXX. EQUIFAX sent me an automated e-oscar response dated XX/XX/XXXX stating " We verified that this item belongs to you. This account has been updated... '' In my initial notice I state that " An automated response or e-Oscar verification is unacceptable. '' I notified EQUIFAX of their violation of 15 USC 1681b Permissible purpose of consumer reports because they do not have my expressed written consent. And they have failed to comply with the law. EQUIFAX now has reasonable cause to know that the mentioned account is being reported without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan and the interest is at least {$300.00} bi weekly and it doesn't bring down our total at all. This is impossible to get out of, this should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX ; XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXXXXXX XX/XX/2022

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 2023-04-21
Company: EQUIFAX, INC.
State: CO
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:
PLEASE REFER TO THE ATTACHED DOCUMENTS PLEASE Dear XXXX, XXXX, and Equifax The following damages will be taken to civil court on XX/XX/2023 in XXXX XXXX if, monetary relief isn't given for the following damages : {$5000.00} in monetary relief under 15 U.S.C 1692k. 

1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

4 ) Violation 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. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation. 
5 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal.

According to 15 U.S.C. 16811c 2 - Block of information resulting from identity theft a police report isnt required and isnt needed at all. I also do not know the name of the person or how this identity theft occurred sadly, and this is also not a requirement to submit with the following documentation. 

XXXX, XXXX, and Equifax are now in violation of 15 U.S.C. 1681n Civil liability for willful noncompliance. Once again, a police report isnt needed in the identity theft block and removal process. 
INVALID INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: IL
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 Experian multiple letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request verification of debt requesting the following : - The names and business addresses of each individual with the debt was verified for follow-up - The date the individual furnisher was contacted - The method the furnisher was contacted - The method used to verify the information - The original consumer contract with my signature on it Experian sent XXXX an updated credit report stating the information was verified. They keep updating that " the debt was included in a bankruptcy '' but won't send me any information regarding the bankruptcy file with their name included, any other verifiable proof physical or electronic. 

I have received a copy of a billing summary from the debt furnisher, but still, no verifiable proof that this is my debt. 

So now, both companies, Experian and XXXX keep ignoring my request and sending me computer-generated bills/summaries. 

I have requested that an XXXX certify that this is my debt. To no avail, XXXX and Experian sent me another computer-generated response. 

Experian has not assisted in this process at all.

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 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I WOULD LIKE THE REQUESTED ACCOUNTS CLOSED AND REMOVED OFF 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 2023-01-08
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Citibank Associates : I have received a letter with your investigation results and I am formally asking for an appeal because I do not agree with your findings. First, I have not been informed of the arbitration details that caused you to deny my request to refund the inappropriate charged amounts to my account. Second, I would like a clear understanding of why the details, documents and information I have provided to you is inadequate to prove that I did not receive items charged to my account and hired other vendors to complete the improvements to my home. Third, I would like to know why even though the information I sent to you was pushed back from the merchant, that you, the company that I have done business with for two decades, has not protected me with your own fraud resources.

I look forward to your responses. 
Respectfully submitted, 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 2018-09-02
Company: EQUIFAX, 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:
I have contacted this companies ( XXXX XXXX & XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the debts collection practices acts section 1692G.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 non-monetary relief
Consumer complaint received 2023-06-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All three reporting agencies have incorrectly stated that my oldest account is XXXX XXXX XXXX when my oldest account is XXXX XXXX XXXX with XXXX. { one more ridiculous XXXX XXXX issue* see previous complaints } Additionally all three reporting agencies are more than 30 days late in reporting new balances this adversely affects my credit rating transunion is the worst offender but all XXXX lag behind real time to an untenable degree. 
I am unsure if the mis-rating of my credit rating is retaliatory based on prior complaints to CFBP or just business as usual for this industry but my rating on all 3 should be XXXX thats post amex 's unlawful damage to my account. { If my accounts are unrestored by XX/XX/XXXX, I have counsel ready to serve XXXX legally but will not proceed with legal action until I receive the final resolution / company response from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-02
Company: Kinum, Inc., Indianapolis, IN Branch
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this companies ( XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the Fair debts collection practices acts section 1692G.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: AMERICAN EXPRESS COMPANY
State: CO
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 am an XXXX XXXX military member, and am verified in the Military Lending Act database as an XXXX XXXX military member. I opened XXXX cards ( American Express XXXX, Gold, and Blue Cash Preferred ) under the pretext that I would be granted MLA benefits including waiving the annual fee for all three of these cards. Annually, the fee for the XXXX card was increased from {$550.00} to {$690.00}, the XXXX card is {$250.00}, and the XXXX XXXX XXXX card is {$95.00}. I am now being charged {$1000.00} annual for these cards while being eligible for these fees to be waived. 

An automatic inquiry is opened to determine SCRA/MLA benefits when the card is opened. That report came back stating I was ineligible for both. It is true that I am ineligible for SCRA benefits since I opened these cards while on XXXX XXXX, but I am eligible for MLA benefits. 

After learning I was denied, I submitted another dispute the same month that the cards were opened, XX/XX/XXXX. That came back saying I was denied again with no reasoning articulated. 

I called and talked to representatives. They told me to submit again. I did in XX/XX/XXXX and was denied again with no reasoning articulated. 

I repeated this process three or fouXXXX more times, with the latest being this month -- XX/XX/XXXX, and was denied again each time. 

I called American Express numerous times to try to resolve this. Most times I was told there was nothing they could do and it was an internal branch of the company with no direct contact with customers. I just wanted an explanation as to why I was denied. 

Once I worked with a representative who was convinced I was right in my claim that I was eligible for MLA benefits. She was so convinced that she herself refunded me one annual fee for the XXXX card through her supervisor and then sent up a complaint the the MLA team. She told me that they said that I was ineligible because the benefit wasn't applied to my account within 18 months of account opening, even though I have been trying to secure these benefits since the month that I opened them. She was still convinced I was eligible and promised to keep working with me and the MLA team to find a solution. We had email correspondence but eventually she completed stopped replying to my emails and I haven't heard from here in about a month. 

I want the MLA benefits that I am entitled to applied to my account, but the bureaucracy of the MLA team is getting in the way of finding a solution. I have tried numerous times over the course of two years to sort this out through American Express and have gotten absolutely nowhere. I am wrongfully being denied MLA benefits that I am entitled to as an XXXX XXXX service member.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: DISCOVER BANK
State: MI
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:
Discover didn't fully address my complaint in CFPB case # XXXX. So, I asked Discover again to answer the following questions in XXXX. The CFPB told me to file another dispute. So, again, Discover didnt answer them. So, again, I asked for them in complaint XXXX. Again, Discover didnt address the issues or answer my questions in my complaint. 

First, this complaint is not about XXXX pricing policies. Its about fraud. Discover advertises customers are not responsible for fraudulent charges. XXXX lies about its certifications/training. 

I bought an inspection to be done by a XXXX XXXX XXXX XXXX XXXX certified inspector as XXXX 's website advertises. However, my inspection was NOT done by a XXXX XXXX XXXX XXXXXXXX XXXX   certified inspector. Also, XXXX advertises itself as being XXXX XXXX XXXX XXXX XXXX XXXX certified, yet there are not. Why does Discover feel this false advertising is OK? I didn't get what I paid for. An XXXX home inspector has gone through rigorous, specialized training. 

When we asked the inspector about the air duct in question, he said it was fine. Giving completely incorrect information is definitely not what I paid him to do. If Discover doesn't address all 3 of this issues in its reply, I will file the complaint as many times as it takes for Discover to address all issues in this complaint. At this point, Discover is false advertising. Discover says cardholders are not responsible for fraudulent charges. An XXXX/XXXXXXXX inspection not being performed but charging customers for one is fraud. 

As for Discover wanting proof of XXXX satisfaction guarantee, I gave Discover the web URL to XXXX satisfaction guarantee. But, the guarantee is a moot point, since XXXX false advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I WASN'T A CUSTOMER OF THE FINANCIAL INSTITUTION BUT SOME HOW ANOTHER BANK INSTITUTION TOOK OVER AND I STARTED GETTING INTO PROBLEMS THAT WASN'T ONLY MINE PROBLEMS. I AM A SENIOR CITIZEN AND ALSO A XXXX PERSON DUE THAT I AM XXXX XXXX XXXX XXXX XXXX  AND I MY ONLY WAYS OF CONTACTING IS THROUGH EMAILS, TEXTING AND WRITTEN MESSAGES, DUES TO THAT FACT, THE THIRD FINANCIAL INSTITUTION THAT SUPPOSEDLY TOOK OVER HAVE BEEN SERVICING THE CUSTOMERS ACCOUNTS AS JUST A FRONT OF THE REALLY AND REAL FINANCIAL INSTITUTION, THAT HAVE CREATED A HUGE PROBLEMS IN SIGNING DIRECT TO BANK, HAVE CREATED A DISCRIMINATION AGAINST THE TARGETED SENIORS CITIZENS AND PEOPLES WITH XXXX. MY ACCOUNT HAVE BEEN CONTINUES BLOCKED MONTHS BY MONTH AND IT HAVE BEEN VERY MUCH A PROBLEMS TO PAY {$24.00} DOLLARS AND MORES THAN THREE TIMES IN THE SAME WEEK TO GO IN PERSON TO THE BANK. THERE ARE AT LOTS OF CONSTITUTIONAL HUMANS RIGHTS VIOLATION AGAINST THE SENIORS CITIZENS AND THE DISABLES AMERICANS PEOPLES. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am submitting this dispute about my XXXX  MasterCard credit card. My score just dropped 101 points on my credit report as XXXX  credit card did not do as we agreed. Due to being laid off from work due to corona virus my job has laid me off. I worked out a agreement with XXXX MasterCard that I will make payments as much as I can till I can bring the account current. I was told it would not be reported to the credit reporting agencies due to the natural disaster. Today I checked my credit score with my XXXX  card and my score went down by 101 points. I am very upset as I confirmed a few times with XXXX MasterCard when I spoke to them that my credit would not be affected and reported as delinquent but it was.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Ive been a new home owner for 3 months and it still doesnt reflect on my Credit Report. Transition is always the lowest score across the board..why when same information reflects on the other 2 reports by XXXX and 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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2020-06-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
my beginning balance back in XXXX was XXXX and I requested a payoff amount and the pay off amount as of XX/XX/XXXX is XXXX, this is fraud ; I should have equity on my home loan after paying for 13 years on it. The loan first started with XXXX XXXX. Please help me.attached is teh pay off letter and the main page of the loan I signed for in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation