BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I went to the car dealership to buy a new car and while running my credit. There were hard inquiries I did not do, please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX under the Fair Credit Reporting Act 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 non-monetary relief
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: TX
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 XXXXXXXX High balance of {$450.00} from XX/XX/XXXX XXXX ; {$500.00} from XX/XX/XXXX XXXX ; {$520.00} from XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX High balance of {$1600.00} from XX/XX/XXXX XXXX, XXXX XXXX XXXX ( Balance {$370.00}, Balance {$1400.00}, Balance {$490.00}, Balance {$370.00} ), XXXX XXXX XXXX Balance {$1200.00}, XXXX XXXX & XXXX  XXXX Balance {$160.00}, XXXX XXXX XXXX XXXX XXXX Balance {$82.00}, XXXX XXXX XXXX IN XXXX Balance {$390.00}, XXXX XXXX XXXX IN XXXX Balance  {$160.00}, XXXX XXXX XXXX XXXX  XXXX XXXX {$160.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$270.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$160.00}, XXXX XXXX XXXX XXXX Balance {$1400.00}, 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: SYNCHRONY FINANCIAL
State: TX
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 monitor my credit report often as I am in the process of home ownership. 
I recently realized that I have a credit inquiry for the company listed below that I have no knowledge of and have gotten no where trying to dispute it. 
I did not approve of this and after some research, I've noticed that I am not the only person who's had this problem with the same creditor. 
I would like this to be removed from my report ASAP please. 

Institution Information XXXX National Credit Cards/XXXX XXXX  , FL XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-02
Company: EQUIFAX, INC.
State: IL
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:
This is the several time I've complained about being a victim of identity theft. XXXX and Equifax must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX Balance : - ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, 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:
I went to the car dealership to buy a new car and while running my credit. There were hard inquiries I did not do, please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the Fair Credit Reporting Act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Bank of America says they issued me my XXXX card which I never recieved I didnt even know the card existed due to XXXX locking me out of my account and just recently I finally got in contact with XXXX and they told me I had been paid out to call Bank of America so I did and there is no funds in the account I guess somone got ahold of my card and drained they acount it has been like 45 days already and still no funds they denied my claim at first but Ive sent all documents they requested in a timely manner Claim Number : XXXX I have another 2 claims open and 4were resolved in my favor but its been 45 days for thee others

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 2018-05-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have enrolled in the AMEX Offer for XXXX XXXX XXXX Small Business Internet. I have made a payment on XX/XX/2018 for {$200.00} to my XXXX XXXX XXXX Small Business Internet account via XXXX. The transaction posted as follows : XXXX XXXX XXXX HSIA BUS E-EVR XXXX XXXX XXXX XXXX - XXXX TX XXXX UNITED STATES XXXX Additional Information : XXXX XXXX XXXX XXXX HSIA XXXX XXXX XXXX HSIA Reference : XXXX Category : Communications - Cable & Internet Comm I have contacted AMEX via chat twice and phone. I was told that the transaction is not qualifying for the credit because it is a XXXX XXXX XXXX HSIA not XXXX XXXX XXXX Small Business Internet. However, per XXXX XXXX XXXX and by technical standard, HSIA stands for High Speed Internet Access. Therefore, the transaction should be read as XXXX XXXX XXXX High Speed Internet Access Business and should be considered as qualifying purchase as per the offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Due to the pandemic, I lost my job back in XX/XX/2021. I made my payments on time until the beginning of XX/XX/2021. XXXX Mortgage stated that per the law, I could only get 90 days of forbearance and that they would put me on a payment plan to repay the money after the 90 days but the amount would be doubled so that I wouldn't fall behind equating to almost $ XXXX from XX/XX/2021. But I didn't realize that would come with everyday of being called and harrased on the phone, whether I made the payments or not. 

For example, I made the XXXX payment back in XX/XX/2021 on time. Then the following day until the next month, I would get multiple representatives calling me and leaving messages about my payment being due for the next month or else I would be in foreclosure. Everyday for 3 months, I got called at work and on my cell phone. They would apologize then say that's its protocol for them to do so even if I already made a payment. And it was back to back calls even when the money deposited to their company but they wanted to " make sure '' I was going to pay it on time and sometimes would ask me if I wanted to pay it early. No one has XXXX  lying around everyday to give. It gave me anxiety as they kept telling me that if I didn't comply, my house would be in foreclosure even though I was making the payments on time. Fast foward to today. I get calls if I don't make my Mortgage payments between the XXXX and XXXX of every month. I work for the government and get paid after the XXXX of each month and although I ready the contract, it says you have until the XXXX to pay your mortgage but XXXX says that it isn't true ... that all mortgages have to pay by the XXXX of each month. Now today, XX/XX/XXXX, I just found out that they changed my FIXED mortgage monthly payment and made it higher. Can they do that??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: CBC Companies, 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:
This company Refused to respond back to multiple letters that were sent out more than 4 months ago about the account number ending in XXXX XXXX XXXX XXXX. I wrote to Innovis requesting that they send me the information that was used to verify this account such as the complete list of documents with names and contact information and employees that they spoke with during this investigation and they refused to do so. This company is in violation of the FCRA guidelines. I want this account deleted from my files for failure to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
At least for the last nine ( 9 ) months, may be more, every month I have a fraudulent charge on my credit card account. 

For the long time I was not able to understand how it could continue as credit card company was canceling my credit card, and replacing with a new one with new account number.

I believe it is connected to a " subscription service '' they are selling, so criminals are informed about change in credit card number.

My requests for : 1. Reject any charges without physical presents of my credit card or 2. Stop including my credit card information into " subscription service '' they selling were rejected. 

I believe the credit card company negligently engaged in supporting wide spread credit card fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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've requested assistance with all three bureaus XXXX, XXXX, and Trans Union credit reporting agencies ( CRA ) and their subsidiaries as well as XXXX. I reached out numerous times in XXXX and 3 times this year, each time my credit score continues to decrease. I sent letters and called, which is a daunting task to say the least. My credit score went from XXXX to XXXX in XXXX  and continues to fluctuate substantially. The CRA continues to report late payments when student loans are deferred or in forbearance. The voluntary dismissed bankruptcy is in error as well. I never had a Self account, a few other accounts are also invalid. I have requested to dispute old and erroneous addresses and personal information. I don't use alias names and these items are also incorrect. 
Please advise

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 2022-12-04
Company: EQUIFAX, INC.
State: MO
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 # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: SLM CORPORATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Sallie Mae bank does not answer phone alls. I have attempted to roll my CD over within my 10 day grace period to change the terms. I have called Sallie Mae for the past 3 days at different times and hours during the day. Every time I call, the automated machine says that the office is closed for 30 minutes and to call back. I call 30 minutes later, then again another 30 minutes during their working hours and still get no answer. Now my CD has been forced to roll over into a term I did to want. The bank is not staffing customer service representatives, The chat is a BOT and you can not reach anyone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2021-08-27
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:
Hello I keep getting the same generic response saying that the account has been verified and accurate but the information is still inaccurate on my credit report under FCRA all information must be true and accurate and if not must be deleted. Please delete this from my credit profile immediately and send me a updated version of my report XXXX XXXX XXXX  is reporting as a charged off account but has been sold to a collection company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in disputing my credit report with Equifax. checking my file alot of information is invalid. it is hindering my credit report to be cleared an corrected. please remove all information on my credit report that is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed unauthorized credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights under the No Surprise Act of 2022. 
I have asked this company to Validate this information to better help fix this in which they have failed to do so and simply " Updated '' on my report. I have not received any documentation showing my signature giving permission for any of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: LA
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 XXXXXXXX XXXX XXXXXXXX XXXX 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Bread Financial Holdings, 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: Public record information inaccurate

Complaint:
Comenity Bank, through XXXX, has not been reporting to the credit bureau 's since XXXX. Attempts to contact them only results in canned responses with no assurance that this will be corrected anytime soon. Multiple customers are facing the same issue.They need to be held accountable to not reporting which is causing customers to not have updated information to the credit bureaus which effects everyone 's scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2023-08-23
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:
The companies listed below are illegally reporting on my consumer report. They are blatantly reporting my NON PUBLIC PERSONAL INFORMATION in violation of Title 15 USC 6802 ( GLBA ) which states that a federally protected consumer like myself should initially be given NOTICE that I have rights to OPT OUT of credit reporting and these companies are in violation of the Gramm- Leach Billey Act ( GLBA ) I for transporting my personal information to non affiliated 3rd parties without my PERMISSION as I will sware to never receiving any " NOTICE '' in a court of LAW.

I want these items listed below Deleted from my consumer report ( s ) immediately as they are reporting without my permission and that is ID Theft! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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