BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account Name : 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 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 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 2021-03-27
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: SC
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 received several unauthorised inquiries on my account since the beginning of the year I have asked for numerous times to get help to no Avail. There are also several clothes on authorised accounts which I try to get help with also to no Avail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: BARCLAYS BANK DELAWARE
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:
Around XX/XX/2020, Barclays XXXX Business Card offered XXXX points on $ XXXX spend, and XXXX for an additional $ XXXX of spending if you signed up for their credit card. I received the first XXXX points when I reached that threshold, but after I spent another $ XXXX they never gave me the points. I used their product for purchases even though I had better credit cards to use at my disposal. I spent months trying to get this cleared up but today a rep said that they've done all the investigation about the points and said that I got everything I was supposed to, which is a lie. I paid off my remaining balance and promptly closed my account.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-04-30
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was affected by Covid -19 and was late 30 days two times on my loan. I was not aware of the forbearance plan at that time. Then I was enrolled until I was back on my feet.

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 2017-05-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In  XXXX  I refinanced my second mortgage with  XXXX   ( {$40000.00} ). Th ey told me my interest was hig h ( 12.8 ), but if  I made every payment fo r six months,  they would give me a lower rate. I made every payment for a year, then went in to get it reduced. I was told, ' Oh, we do n't do refi 's! '. Then, someone else took my loan, in  XXXX  I think, and I was paying  XXXX . I called them, explained my situation, and nothing was done to reduce my interest.   NOW,  SPS h as my loan, and my Principal is {$42.00},  XXXX !!! I 've been paying this loan fo r ten ye ars and I am going backwards!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
In summary, this was an inactive account to which an erroneous charge of {$4.00} was debited by a Vendor in XX/XX/2021. The account started incurring fees ( {$48.00} ) based on this erroneous charge. 

I was not aware of any of this activity until I received a call on XX/XX/2021 about the status of the account from Comentiy Bank Collections ( XXXX XXXX XXXX ) with whom I disputed the balance due to the non-use of the card. I don't believe they opened a dispute at the time, they continued the reporting. 

Subsequently, I had to contact the Vendor to get this matter investigated and resolved. The Vendor since has acknowledged their error and pushed through a credit to the account.

I spoke with Commenity Banks XXXX XXXX XXXX again on XX/XX/2021 who was kind enough to have the fees removed. They told me I have to speak to Customer Service to have the Credit Reporting History updated to remove any delinquency reporting. The discussion with Customer Service was not as fruitful as they advised they can not handle or make any corrections to the credit history reporting. After further inquiry they provided a dispute address. 

I am formally requesting for Comenity Bank to please adjust the credit reporting history removing any reported delinquencies as applicable for XXXX, XXXX, and XXXX. This charge never should have been charged and was removed by the Vendor acknowledging their mistake to my detriment and my credit history should reflect that accordingly as a XXXX balance account from XX/XX/2021 through year to date..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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:
On XX/XX/XXXX, my XXXX XXXX advised me of someone attempting to open an account with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. As a result, I double-checked with the credit bureaus as well as XXXX XXXX to confirm freeze 's had been placed. ( I had done this several years earlier as a precaution ). 

When I attempted to check on Experian, I was unable to do so because the phone number attached to my email address ( used as the login ) is not mine. I've had the same phone number for 15+ years. After many attempts to phone in and speak with a representative, it was made known to me via the IVR that the only option I had was to send written correspondence. 

I would think that in circumstances as a suspected account take-over that there would be better options to receive service and speak with a live agent. 

I would like for an Experian agent to reach out to me as soon as possible to rectify the apparent fraud, and then I would like to receive a copy of my latest report so I can ascertain if there are any fraudulent activities being reported. 

I was successfully able to self-serve and/or speak with a representative at each of the other bureaus and 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 2019-03-12
Company: Colony Brands, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I never ordered from XXXX  XXXX or never applied for XXXX XXXX credit or never received items from XXXX XXXX have asked for prof of items purchased from XXXX XXXX and prof the items were purchased by me they have been ask a number of times to provide this prof and have yet to do so by law they must provide this prof or delete from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Phoenix Financial Services LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I need to repair my FICO credit score in order to get a home loan. It plummeted XXXX  points because of this issue. I went to the XXXX   at XXXX XXXX Hospital in XXXX, Pa in XX/XX/XXXX and since I was XXXX, they sent me to the XXXX XXXX department first. Then I was sent to the XXXX   where I paid the copay. I received a statement from the XXXX XXXX, but not from the XXXX. Since I never received a statement from the XXXX, I thought I didnt owe anything else. Then I got a bill from a collections agency- Phoenix Financial Service . I called my hospital to inquire about it and they called me back almost 2 weeks later. I ended up messaging them through XXXX online portal because they were taking too long to get back to me. The rep said that I didnt have any collections due. So I thought the matter was resolved. Fast forward to XX/XX/XXXX and Im trying to get a home loan and I cant because my score was damaged because of the collection claim. When I spoke to a billing rep for my hospital, she said that the XXXX  department goes through another agency called XXXX XXXX XXXX XXXX. I received calls from this number several times but I thought it was a scam- trying to get my credit card info to pay my hospital bill even though I had already paid it ( or so i thought ). I called XXXX XXXX XXXX XXXX  and the rep was unkind and just said youll just have to deal with collections. So now Im trying to repair my credit score because the XXXX  department failed to notify me that I would need to pay my Bill, not through XXXX, but through an entirely different company. I have paid the collection agency ( Phoenix financial ) in full. I have no other debt collections. My credit score was XXXX and now it is at XXXX. I worked hard for years to build my credit and it has been ruined by one collection due to a massive miscommunication with billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/23 to Experian and XXXX to remove erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance {$10000.00}

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 2023-01-08
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
THIS IS A SECOND ATTEMPT TO YOUR EXCESSIVE INTEREST RATE OF XXXX PERCENT!!! THIS IS CLEARLY ILLEGAL. I SEE New York IS ALSO SUING YOU FOR THE SAMETHING Case XXXX. Thank you so much for the detailed response. Im not sure if you recall via phone w/ XXXX XXXX on XX/XX/XXXX @ XXXX I didn't agree to such thing! The company that was working with you " XXXX XXXX '' had took PAGES out of the CONTRACT the was given to me so I was unable to READ ALL OF THE INFORMATION. 

MY DOWN PAY, ENT THAT WAS CONDUCTED ONTO THIS CONTRACT IS ALSO ILLEGAL AND INACCURATE I DIDNT PUT DOWN {$1800.00} IT WAS ACTUALLY {$2500.00}!!!!! 

I DO HAVE EVERYTHING RECORDED WHILE WE WERE ON THE PHONE. AGAIN THAT IS FALSE I DID SIGN A DIGITAL PAD STATING IN UNDERSTOOD WHAT WE DISCUSSED WHILE IN OFFICE. WHICH WAS THE DISCLOSURE FORM. I HAVE BEEN PAYING MY DUES ON THE CAR AND WOULD LOVE TO CONTINUE BUT AS YOU CAN SEE I HAVE HAD PROBLEMS BECAUSE OF THE INTEREST RATE BEING SO HIGH ON A USED 2013 VEHICLE THATS 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 2017-05-19
Company: PNC Bank N.A.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
PNC MORTGAGE CO PHONE  XXXX   XXXX   XXXX  DECEASED  XXXX  I AM HIS DAUGHTER AND LEGAL OWNER OF THIS PROPERTY ALL LEGAL DOCUMENTATION HAS BEEN PROVIDED FROM   XXXX   XXXX   XXXX   (  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  (  XXXX  )  XXXX  PNC NEVER WANTED TO REFINANCE THEY JUST COMPLICATED EVERYTHING BY JUST PUTTING ESTATE OF AND MY NAME WAS ADDED TO NOTHING ON PAPER SO IT COMPLICATED INSURANCE AS WELL. I DECIDED TO JUST REFINANCE WITH ANOTHER COMPANY AND GET EVERYTHING STRAIGHTENED OUT OF THIS MESS.I PAID  PNC  {$20.00} FOR THE CORRECT PAYOFF IT WASNT  FREE.FIRST RATE  PAID THEM BY THE DATE OF PAYOFF REQUESTED AND IT WAS {$800.00} OVER.  PNC S ENT ( MY ) REFUND CHECK MADE OUT TO THE ESTATE OF INSTEAD OF ME THE LEGAL LIVING OWNER WHO BORROWED THE MONEY TO PAY THEM OFF.I CALLED  XXXX / XXXX /  XXXX   AND THE CUSTOMER SERVICE REP TOLD ME IF I CANT DEAL WITH THE CHECK IT WILL GO TO MY STATE . HOW HELPFUL!!!! I  CALLED  XXXX / XXXX /  XXXX   AND ASKED FOR  A MANAGER AND WAS TOLD ONE W ILL CALL ME BACK IN  24 TO 48 HO URS UNACCEPTABLE!!!! MY ISSUE IS I PAID AN ATTORNEY AND WENT THROUGH ALL THE PROPER CHANNELS AN D PNC SHO ULD NOT PLAY GAMES WITH MY REFUND CHECK AND I WANT MY CHECK SENT TO ME IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Bread Financial 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:
In accordance with the fair credit Reporting act comenity bank/ Jared acct # 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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Delete this account for inaccuracy, because the date the account XXXX was opened for XXXX XXXX  is reporting XXXX different inaccurate dates, XX/XX/2018 and February 1, 2018.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Reporting this misinformation is attacking my character as a natural person and is in direct violation of my rights as a consumer stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, and 12 CFR 1016.7

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 2023-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I have an old Capital One card i never used. 
I received the XXXX  XXXX  monthly statement with a {$39.00} annual fee and promptly called to cancel my account ( see attached ). 
I shredded the card thinking everything was good to go. 

I just checked my credit and they have been adding late fees and reporting to the credit bureaus 30, 60, and 90 days late! 

The balance has now grown to {$150.00} with added late fees on an annual fee! 

Most importantly, I have received ZERO communication from Capital One for the past 5 months advising of a delinquent account. To my knowledge, this is a blatant violation of the FCRA along with other banking regulations. My wife- XXXX XXXX- is an authorized user on this account and her FICO has also been significantly impacted by this issue as well. 

I have contacted customer service requesting escalation of the issue as the agent who answered was clueless with regards to credit reporting and the damaged incurred by their blatant mismanagement of this situation.

Company response to consumer: Closed with explanation