BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 request in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The following items are listed below that need attention : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/

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 2022-03-28
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had credit with Syncb /Ashley . I had this card paid off as I was paying they were losing my credit limit. Now I was not using the card I had no plans to use this card. I didn't want to close the card because I know closing cards lower your credit rating. This co. Closed the card.Then I received notice it was closed. This has caused my score to drop. This co was full aware this would happen. They are by far the worse co. I have ever seen. This is very unfair I have worked on my credit a long time trying my best. What can be done?? 
Thank you 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 2023-03-06
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:
Consider this as my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX .... Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX and Experian have refused to correct the late payment that was a direct result of XXXX XXXX 's auto-payment system. My new car lease ( which is my 3rd with XXXX with zero previous issues ) was first manually paid, then set for auto-pay. Their auto-pay defaulted to a LATE payment. I paid in full, XXXX REMOVED the late payment fee acknowledging their mistake, but refused to correct the late payment with credit reports. I was travelling in XXXX, auto-pay was set up, and they refused to correct the late payment. Both Experian and XXXX should be working quickly to resolve this but failed to make a correction which drastically affected my credit. This is the ONLY late payment on my credit history.

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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX am a victim of identity theft and fraud. XXXX  IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4th ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2018-03-25
Company: Motolease, LLC
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: Account information incorrect

Complaint:
Keeps showing late payments history. XXXX/Motolease LLC will take it off one month and the next month it will appear back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
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:
I have written to Equifax numerous times since XX/XX/2021 that someone fraudulently applied for a credit card in my name through XXXX. Equifax always validated the debt, which resulted me conducting my own investigating. I was desperate, because I was in the process of buying a home, but the underwriters stated I had to resolved my issue with Equifax. I contacted XXXX and they stated they contacted Equifax and followed up with a letter. I sent that letter from XXXX to Equifax. I sent a letter to XXXX rebuking them on their process and they sent another stating they are unable to find evidence that the trade line display with Equifax. After receiving this letter, the first thing I did was go to XXXXXXXX XXXX XXXX  to try to pull my Equifax Credit report again. Although I was able to use this website to do this before, when I try to pull it for Equifax, it tells me it cant confirm my identity. So I am not able to get the free credit report that I am entitled to by federal regulation, and which I absolutely need to access as apparently Equifax is going to send me letters that lie and say that information has been validated, so I need to check this almost on a monthly basis to make sure that Equifax is not incorrectly adding things to my credit report. Next I went to the Equifax site to try to get a credit report. Apparently there is no way to do this without paying $ XXXX. I already had an account but forgot my password, and the code for forgetting your password is broken so it creates and infinite loop where it just keeps asking for your social security number ad infinitum. I went through XXXX XXXX to retrieve my Equifax Report. I can conclude that Equifax took my letters as frivolous and did not take my complaint serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My experience with Fortiva through XXXX XXXX started from the beginning of my acceptance of their card was a nightmare, So i went to the store to see where my bill was because it was due an they had to corrected the address, so I thought, then i received a bill with an " overdue '' amount attached to it. Next I phone Fortiva and corrected the address again and they would not remove the " overdue '' charge. which was their error. 
So back to home depot I go a second time and again they ajust my billing address and send it to the correct address still with the over due charge atttached.. 
When i received the next bill it was to my old address and luckly the mail lady knew me and gave it my neighbor to hold. after 2 more attempts to clear up this mess by phone and 1 more visit to the store. I cancelled the card. 
Now as I have been paying more than the minimum to get this card out/off of my credit I sent them a check by mail on XX/XX/2019 The bill was due XX/XX/XXXX, and again I get a past due amount on the card, there is more than 14 days to get and process this payment. and I would like you to look into their practice of over billing an past due charges. please and thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent several letters to the consumer reporting agencies and I get a letter stating that it is not me and my letters are not addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-12-18
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Cant redeem the rewards cash into my bank account. 
But the same account is there to make the payment When I called discover at around XXXX XXXX to XXXX XXXX central timeafter a wait of 13+ minutes XXXX told me that I need to first make a minimum payment from that bank account to this credit card then only I will be able to redeem to this bank account. 
I told her that this card is at least 5+ yrs old and I am using the same bank account for around XXXX years so whats the problem all of a sudden? 

Have you sent any communication or card member agreement or FYI to the customer regarding this issue? 
Her answer customer will call us in case of any issue This is ridiculous. 
This discover was providing chat in the past new messaging system is ridiculous. 
They have taken away secure message center also Day by day Discovers standards are going down. 

And more over I have two credit cards with discover I have always used the same bank account with the other card which was more active. 
XXXX told me that we can do it over the phonewhen I wanted to do it over the phoneshe said I need to first pay the minimum balance first in order to redeem it. 

During this pandemic - this credit card company is treating the customer so badly. 
For this - this discover is getting XXXX XXXX customer satisfaction rewards or they are just bribing them to get this reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Debt collection Kinum is contacting me about a medical debt from XXXX. I tried to explain to 4 different representatives of this company of my attempt to rectify this debt back in XXXX when I contacted the original debtors ( Ear, nose, throat ). I received a bill summary from original debtors stating no debt/balances owed, which I emailed to a manager today  XX/XX/XXXX. Kinum reps laughed, making statements of disbelief, yeah right, just pay your bills and I wouldnt be calling. Telling me to be quiet and let them speak is not a way to handle my money or personal information. I no longer feel comfortable rectifying or providing anyone from this Kinum company my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: OUT TECH, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, and I hope all is well. XX/XX/2020, letters were sent to addressed issues : While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party Bureaus of Accounts Management to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Law Office of Brett M. Borland, P.C.
State: MI
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 an account on my credit report from a property management company that I am unfairly being charged for. I filed a dispute with credit agency they sent their proof which consists of a lease that is not even in my name and is not with the property as the signer and a bill that they can not verify from the property management company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I received a denial to fix my credit report. Eqifax data was breach in XXXX and my data was taken. There are several charges I did not do in fact was in XXXX  at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: ND
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-03-07
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 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 I did not make these changes. I asked the items be deleted to correct my credit report. I have reported the identity theft to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

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 2022-03-28
Company: WELLS FARGO & COMPANY
State: IL
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:
I made a credit card payment on Wells Fargo and it went through as expected. The problem is when I look at the ACH transfer on my bank statement I see that Wells Fargo has 9 digits of my credit card number in the XXXX description. Looking back through my bank statements, I see that this pattern is repeated for every payment I've made over the years.

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 2019-07-15
Company: United Collection Bureau, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A representative from United Collection by the name of XXXX XXXX at XXXX extension XXXX called my elderly mother and father in law and told them I have a uncollected debt and they need to reach me. I have never listed this address or phone number as a contact and my correct address and phone number are public information and listed on my account. This was a violation of my privacy and had my elderly in-laws very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2020-03-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Lexus Financial and XXXX  have refused to correct the late payment that was a direct result of Lexus Financial 's auto-payment system. My new car lease ( which is my 3rd with Lexus with zero previous issues ) was first manually paid, then set for auto-pay. Their auto-pay defaulted to a LATE payment. I paid in full, Lexus REMOVED the late payment fee acknowledging their mistake, but refused to correct the late payment with credit reports. I was travelling in XXXX, auto-pay was set up, and they refused to correct the late payment. Both XXXX  and Lexus should be working quickly to resolve this but failed to make a correction which drastically affected my credit. This is the ONLY late payment on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX will not update and remove account on XXXX and XXXX even though they have on XXXX XXXX knowing this debt was included in bankruptcy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
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: Their investigation did not fix an error on your report

Complaint:
After countless attempts to rectify the situation incorrect information regarding the payment status and history of a child support account continues to be incorrectly displayed in my credit files. 

First and foremost let me say mother has closed the accounts on her end and the remaining funds owed are questionable regarding the cash aid that was taken while I had full custody of XXXX XXXX. 

Second, But the payment history is inaccurate because as you can see I have made payments through the only income Ive had at the time since I was and am currently XXXX. 

Attached payment receipts from the state of California to the Department of Child support contradicting their records of payment and that Mounts taking it sometimes have been 10 times what was owed for that month.

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 2020-03-23
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Marcus by Goldman Sachs savings account locked me out while performing a normal password change request. It made me generate a pin 6 times and locked me out by the 3rd pin request. When I called XXXX to have my account unlocked they lied to me and told me the website is not working properly. However my coworkers all logged in without any issues whatsoever. Attached is what they showed me upon requesting a pin for login. The XXXX and XXXX employees working in the NY call center are stealing government funds from XXXX  XXXX  and did not want to be caught. They stole one of my deposits as I have in an email that I received 2.

Company response to consumer: Closed with explanation