BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
The vehicle needing to be insured did not exist, insurance company was aware of this and still proceeded to charge my account. When I did not pay, they sent it to collections. I tried to get them to update several times before but the status never changed. The credit report company TransUnion saw the 2 VINs, one showing a correct VIN from the Washington State Department of Transportation, and the other showing an incorrect VIN from XXXX XXXX ( insurance company ), verified the information as accurate, but did not change the status of the report. I do not believe they addressed the issue or reviewed it. It is harming my credit score and even though I shouldn't have to pay for this, I am tempted to because it will help my credit.

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 2021-06-04
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened an account with US Bank XX/XX/2021. For the second time now, I have had problems with their reports to the 3 major credit bureaus. 

For example, XX/XX/2021, I paid out this account. I had no payment due at the time. But, I paid out the account because I had problems with their reporting just the month before where I paid on my account before the due date ( even then I had no payment due ). The report to the credit bureaus then indicated I had made no payment on the account, but that I had paid on time. 

So, XX/XX/2021, again, I had no payment due because of previous payments. On that date, I paid out the entire balance on this account 4 days before the payment due date of XX/XX/2021 ; and, 7 days before the statement closing date, XX/XX/2021. On today, XX/XX/2021 I received a notice from XXXX  Credit Bureau that I had an increased balance on one of my accounts ; it was US Bank again. According to XXXX, the report was issued to them today, XX/XX/2021. 

For this account, my payment due date is the XXXX of each month. The statement closing date is the XXXX. But, this bank reported my " balance as of XX/XX/XXXX '', which just happen to be the day I made the pay out payment. My receipt indicates the payment date of XX/XX/XXXX. 

It would seem this bank is reporting false information and actually closing out statements before the statement closeout dates in order to charge interest they would otherwise not receive! 

Please investigate their practice of credit reporting, payment due dates and statement closing dates. 

Thank you. 

PS. I have tried to copy and paste a copy of my credit report referring to this account, but couldn't get a clear picture. But, I have attached a copy of my most up to date, but redacted, account summary from US Bank and a copy of that payment receipt. 

If you need a copy of my XXXX  report to investigate this matter, please let me know. I'll call XXXX  to determine how to make a legible copy. 

Thank you again.

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 2023-05-08
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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I submitted a request for investigation on an account Experian is reporting incorrectly and is in Violation of FCRA Guidelines. 

Not only are they reporting this inaccurately, but they have yet to respond to my investigation, however they updated the comments to a disputed account. 

Ive included my certified letter, and a copy of my credit report highlighting the inaccuracies and FCRA VIOLATIONS. 

The account type is reporting as an " OPEN ACCOUNT " which is a violation- this is a collection account per FCRA guidelines it can not report as OPEN- A collection account can not have a balance reporting in the PAST DUE - this needs to be reporting {$0.00} In the two year history they are continually reporting CO XXXX this is another VIOLATION- collection accounts can not have any late payments or CO reporting - this all needs to be removed. 

They have blatantly disregarded Federal Law with numerous inaccuracies and not responding or doing a thorough investigation.

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 2021-09-07
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been trying for several weeks to settle or pay off the amount that I owe. Every time that I call, I am told that I need to call back at a later time because the department that handles my case is not available. For whatever reason, they never seem to be available, and there is no additional number to call for assistance, or an email address. 

Today alone I called 5 times. The first time I was hung up on, the 2nd time I was told that the department couldn't be contacted and maybe in a meeting, 3rd I was told the call back 20 minutes later, the 4th time I was told to try calling back again, and the final time I was told that the team would not be avaiable until tomorrow. 

This has happened to me on countless occasions. I am trying to pay off this debt so that I can be frr of it an XXXX feel like I am being penalized or just being manipulated at this point. I have even reached out via email, via customer portal, and customer chat, with the same responses every time ( the department you need to reach is unavailable ). 

Can someone please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TRANSUNION IS VIOLATING MY FEDERALLY PROTECTED RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. I SENT TRANSUNION A HANDWRITTEN LETTER ASKING FOR THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCUACY AND COMPLETNESS OF THE INFORMATION, WHICH IS MY RIGHT TO RECIEVE UNDER THE FCRA 15 USC 1681-i ( b ) ( 6 ) ( b ) ( iii ) AND ASKED IF THEY COULDNT PROVIDE IT BY THE END OF THE 30 DAY PERIOD DELETE THE ITEM FROM MY FILE BEFORE THE END OF THE 30 DAY PERIOD PER 15 USC 1681-i ( a ) ( 1 ) ( a ), YOU GUYS HAVE FAILED TO DO BOTH AND NOW ASSUME WILLFULLY AND NEGLIGENT NONCOMPLIANCE WITH FEDERAL LAW, AS I WAS EXPLICTLY CLEAR WITH MY REQUEST. ( HAND WRITTEN LETTER AND IDENTIFICATION ATTACHED ) TODAY ( XXXX ) I SPOKE WITH XXXX WHO SAID THEY CANT PROVIDE ME WITH THE DECRIPTION OF THE THE PROCEDURE USED TO DETERMINE THE ACCUACY BECAUSE ITS SYSTEMATIC.TRANSUNION HAS FAILED TO LET ME EXERCISE MY FEDERALLY PROTECTED RIGHTS. 
I AM NOT A 3RD PARTY AGENCY MY HANDWRITTEN LETTERS AND ID ARE ATTACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: CITIBANK, N.A.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im 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 a account without my written instructions.

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

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 2018-05-12
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I paid my credit card off in full. It was 5 days past the due date. I made no other purchases on the card. I was charged a XXXX dollar late fee and finance charge ( not sure what the finance charge was for on a XXXX balance ) XX/XX/XXXX, I didnt even check the statement because I had paid off the account in full. Another XXXX late fee and a finance charge. XX/XX/XXXX ( today ) I get a call that I owe them XXXX dollars and some change. I was assured that if I paid them today, the payment was good through XX/XX/XXXX. So I pose the question so I wont be charged another late fee in XX/XX/XXXX because today is 7 days past my due date. The response was I would not. So I ask then what is the difference between XX/XX/XXXX and XX/XX/XXXX? You charged me in XX/XX/XXXX for XX/XX/XXXX why wouldnt you charge me in XX/XX/XXXX for XX/XX/XXXX?  The representative then offered to waive XXXX in late fees, with no explanation why I was charged in XX/XX/XXXXl, but wouldnt be charged in XX/XX/XXXX. The computer conveniently froze and even though I asked to remain on hold to resolve the issue, I was disconnected. 3 attempts to reach the representative were unsuccessful. I also asked for a balance so I would never have to deal with this card for he rest of my life, The representative was unable to provide that information. I feel like this is an attempt to unfairly collect fees that are not due to them. The company is XXXX XXXX the card was through XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a Gap Visa Card issued by XXXX XXXX, and a few years ago I received a letter that Barclays bought it and we will receive a new Gap Master card from them or if we won't to continue with this new company and master card to pay off all the balance and to do nothing more. I paid off my balance and when I received the new master card I NEVER ACTIVATE IT. The Barclays sent me a few letters with different offers but I did nothing because I did not want their new card. Now after more then 1 year or XXXX years I received a statement from Barclays with a transaction on my never activate card with a transaction on it on XXXX XXXX. How is possible to have a transaction to a company that never I was their customer, I never activate their cards?? and now look I have a active card with them and a transaction on it. Thank you for your help in front with this abuse because they have all my personal info from the old company.

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 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
n XX/XX/2019, the President shut down the XXXX XXXX for a month and a half. Because of this I couldn't maintain my mortgage because we didn't get paid 2 checks. XXXX put me on a Forbearance plan until XX/XX/2019. Those missed months will be worked into a Home Modification plan in XX/XX/2019. When XXXX came, XXXX XXXX took over from XXXX with my account and start the process for Loss Mitigation plan. I was to maintain my $ XXXX monthly payment and try to catch up the {$8000.00} balance from the miss months. I was told that because I'm in this process of sending documents to their underwriters and maintaining my monthly payments. They wouldn't report any 30 day late payments. Well I didn't miss any payments and I just finally paid the entire balance in XX/XX/2019. They are still working on my Loss Mitigation/Home Modification package. Last week, Myfico account report a 30 days late from XXXX XXXX on my XXXX and Transunion and dropped my score 64 points. This should be removed based on the information I stated and was told. I'm including documentation.

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 2023-10-12
Company: EQUIFAX, 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:
I am in the process of buying a home and I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about my reporting. I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. I have highlighted all the discrepancies. Please remove this inaccurate information from all bureaus as you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my fifth 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 items 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 XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$170.00} ; XXXX XXXXXXXX Balance XXXX {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX AV XXXX XXXX XXXX MO 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 2022-05-23
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
On XX/XX/22 I paid {$5000.00} via American Express and entered into a contract with XXXX XXXX of XXXX XXXX XXXX XXXX for BUSINESS COACHING services ( valued at the specified amounts below from her XXXX  website ) to begin the week of XX/XX/XXXX. 
On XX/XX/22, merchant cancelled the contract via email because of a comment I made on her XXXX post. The comment does NOT constitute a material breach of contract in the state of New York, and therefore XXXX XXXX has failed to fulfill her contractual obligation. The merchant does NOT RESPOND TO ANY EMAILS OR PHONE CALLS. 
The merchant has offered a {$400.00} refund for the outstanding services she failed to deliver. This does not represent the FULL value owed, therefore I filed a dispute with American express. They have closed the dispute TWICE ( on XX/XX/22 and XX/XX/22 ) without offering an explanation or opportunity for me to refute the merchants counterclaim. 
I have not received ANY of the contracted services outlined below : 3 of the 6 weekly Strategy Calls ( valued at {$490.00} per session ) Curated Content planning NOT received ( valued at {$990.00} ) Custom Content Calendar ( valued at {$290.00} ) XXXX XXXX XXXX templates ( valued at {$690.00} ) I am seeking a refund in the amount of {$3400.00} for the services XXXX XXXX failed to deliver according to our contractual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Late XX/XX/2022, I called Wells Fargo about my Car payment being late. I explained I had XXXX XXXX and would like to workout a plan to get my Car loan current. We came to a conclusion that worked. After my loan came current, the lates wasnt removed as I asked before I went through with agreement. Im covered under the cares act for this accommodation to be met. Ive done everything like switch due date, deferred payment and no releif.

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 2021-10-18
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 was a victim of identity theft for over 3 years now, while I was receiving XXXX because of the aggressive XXXX. My creditors did not protect at all while I was battling for my life and this is wrong on so many levels. This is my last and final time reaching out to the creditors and credit reporting agencies. The next step would be contacting an attorney and suing each creditor one by one plus the stress it has caused and court cost. This has been a nightmare, I had to change my drivers license number and contact SSA. This guy even pulled money from my 401K account. I also attached a copy of the police report. The following accounts need to removed immediately XXXX XXXX XXXX XXXX -- never opened an account with this company and would like for this company to send me signed contract with my signature. This is a fraudulent account I want removed immediately. 

The XXXX  XXXX XXXX  -- -- This account was opened and used without my consent, please remove XXXX XXXX XXXX  -- -This account was opened and used without my consent please remove XXXX Department Store -- -Account used without my permission and fraudulent charges by roommate please remove immediately XXXX/XXXX  -- -This account was used and charges were made without my permission please remove from credit file XXXX/XXXX  plcc -- This account was used and charges were made without my permission and consent please remove from credit file XXXX XXXX -- -- This account was used XXXX services were added and I did not consent to this account please remove. 

XXXX XXXX -- -XXXX  is aware of this account also, XXXX closed my account because of suspicious activity I remember them reaching out to me prior to XXXX and XXXX  XXXX along with XXXX I never heard back from them. Please remove account XXXX -- -Charges made and card used without my consent, please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of this year, I knew I was getting very close to the 80 % LTV to terminate PMI payments on my mortgage. I contacted the servicer and filled out the form, made an additional {$11.00} payment in early XXXX to get to their requested value and paid a {$120.00} certification fee to have the PMI removed. I had two phone conversations that indicated that I had made the necessary steps. Nothing happened. In XXXX, I reached out to the servicer again. They indicated that I needed to submit the form again, which I did, but now two months later nothing has happened. I believe now that I am well below the 78 % LTV to require automatic termination of my PMI, yet nothing has happened to my claim since XXXX.

Company response to consumer: Closed with explanation