BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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.

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 2023-10-30
Company: National Credit Adjusters, LLC
State: OH
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 to the Fair Credit Act. These creditors have violated my rights under

15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a paym
ent on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, 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:
EQUIFAX stated that my accounts were properly investigated, how is this possible if the late payment dates are inaccurate and are not reporting fully on each bureau. 
the open date is inaccurate, the date of last active is inaccurate, balance owed is inaccurate, and date of last reported is not accurate. Federal law state that any inaccurate information on a consumer report most be deleted,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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.

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 2023-03-18
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a follow up to my original complaint and a response to the correspondence from Comenity Capital Bank. 



Dear XXXX XXXX, Thank you very much for your response to my complaint filed with the Consumer Protection Finance Bureau, I appreciate it.

However to truly address my concerns you would have to take note that the situation happened as a result of the misleading information that was given to me by your representative. I was falsely informed that the {$40.00} turned {$54.00} late fee due to XXXX XXXX XXXXXXXX was going to be waived by your bank that was taking over the XXXX credit card. 
I stupidly trusted what I was told and did nothing, sadly that resulted in me accruing {$120.00} late fees, a late payment notice to the credit bureaus affecting my credit score, and my request to close the account being ignored for almost four months until filing this complaint. 

I appreciate you waving the {$5.00}, however to get the resolve that I believe I'm owed would mean you investigating my account further, realizing I made one charge on the XXXX XXXX account and paid it in full ( though my check went in the mail late ), which resulted in the excess fees from your bank. I'm totally fine paying the original {$40.00} late fee that was owed to XXXX but would like ALL of the additional fees that you charged me resulting from the misleading information given by your representative reversed, and a check mailed to me. 



Thank you very much in advance for your consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for short sale on my home and submitted all the documents requested and recieved a letter stating that the file was complete but shell point continually and persistently keeps scheduling foreclosure sales on my home even after sending a letter stating that the file was complete, i know that the California Home Owners bill of rights has laws and guidelines in place protect homeowners from these violations, one thing is being said in writing and another thing being done in fact i recieved a email on XX/XX/23 stating once again all the document were in, I should not have to live under constant stress by the servicing company while I`m trying to sale my home sending foreclosure notices to my home i expect my rights to be protected under the law, and not deal with this harrassment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
in XX/XX/XXXX my local XXXX XXXX advised me to open a credit line of {$15000.00} to pay for my XXXX XXXX, contract is 0 % for 2 year if paid in full. I agreed, appllied got approved, and set up auto pay for $ XXXX, 2 years gone by, XX/XX/XXXX I logged in and see my balance is over $ XXXX still. called in and learned that an add on service called " card security '' was siphoning $ XXXX off my {$660.00} payments. causing my account not paid in full in 2 years and in the fine print i would get charged interest all the way back to the beginning. But I never authorized the card security add on, itis one of their own serivce, my bank statement always shows I paid Synchrony, not card security so I was in the dark the whole time. I looked on line and there were conntless of people got trapped by this unethical practice by Synchrony and they were sued back in XXXX for this exact practice. They refuded {$1400.00} worth of 1 year card security payment back into my total outstanding balance but bottom line I still owe over $ XXXX. I have turned off auto pay and this credit account will default

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 2023-03-18
Company: CITIBANK, N.A.
State: NC
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/XXXX I purchased orthotics from the XXXX XXXX XXXX XXXX XXXX  Store in XXXX XXXX XXXX SC at a cost if {$1700.00}. I realized that was much to costly fir off the rack orthotics. When i got home ( NC ) i looked at my receipt for XXXX Return policy. There was no mention of Returns. I went on their website foe instructions- all I found were complaints about this company being extremely difficult to get money back, if at all. I called Citibank customer service immediately for advice. I was told they would cancel the card ( ending XXXX ). On XX/XX/XXXX, i took allmerchandise back to the store, they checked the bag and boxes to ensure all products were- they were going to return the {$1700.00} to the Citibank. I explained that based on the horrible Return practices noted on their website that the account was closed. They gave me a receipt doe {$1600.00} .... I checked my Citicard and found that Citibank gave me a new account and put the {$1700.00} on that card! i called them immediately to alert them to their error. to make matters worse, they started a dispute under FRAUD ( not true ) I got a letter from Citibank that they found no evidence of fraud and i owed {$1700.00}. immediately called Citibank and they changed to bill discrepency. Ive been to the XXXX  store 3 times and they say they haven't heard from Citibank. Citi bank says they have nothing from the XXXX store. I was able to get the name and number of XXXX  bookkeeper ; she assured me twice she had sent the reimbursement to XXXX. this has been pending sinceXXXX! Ive talked to probably 10 citibank employees and all they says is they " reached out '' to XXXX. I explained over and over that XXXX sent the reimnbursement before XX/XX/XXXX, So a simple purchase/return/reimbursement has been my nightmare. Two of my XXXX  scores dropped from XXXX. Citibank did give me a provisional credit till problem solved. Please help.

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 monetary relief
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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.

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 2023-03-18
Company: EQUIFAX, INC.
State: OH
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 account XXXX is incorrect on all 3 credit bureaus. Upon reviewing the report today XX/XX/23 I notice that the information is still incorrect. I am asking that this account be removed from my credit report for the information shown is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights!

Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE 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 2023-11-23
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Charge-off {$710.00} XXXX XXXX Repossessions {$17000.00}

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transunuion is reporting a light bill on my credit report which has nothing to do with 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 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

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 2024-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am a XXXX XXXX XXXXXXXX and there are items on my TransUnion credit report that are the result of XXXX I can not log onto TransUnion website to properly identify all of the items because Transunion is blocking me from seeing the information that they're reporting on me. I have not been able to log onto TransUnion website in the last two years. I keep calling them with nothing resolved. I have had it escalated at least 5 times without anything being resolved. I can not upload my XXXX XXXX documentation on their website either because they are blocking me access.

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 2023-03-18
Company: Bread Financial Holdings, Inc.
State: MT
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: Card was charged for something you did not purchase with the card

Complaint:
We have recently relocated w/ my spouses career of 39 years. During that time I several instances of attempted fraud. We were able to thwart the other attempt. I got notice of a balance on a credit card that had XXXX balance ( I have no credit card debt ) I lost ce in Montana but charges were made for gold & jewelry from a town in Texas for {$6500.00}. Ive never been there, know anyone there, never want to go there! This Sony Visa card issued by Comenity Bank had been in my wallet for 20 years, I used it sparingly and have always paid the balance even before billing! Ive sent them two certified letters, a local police report, called them at least 12 times and still they persist feigning that Im not communicating! This thief in Texas used his own name and address to make these purchases and has been identified as the perpetrator! The Billings Police Dept, report # XXXX the investigation officer called me personally and said this person was caught doing the crime!! This company continues to harass me daily, calls, emails saying its my debt, Its NOT. Im an older women in my 60s and quite uncomfortable w/ detailed tech knowledge, This company is putting us through XXXX trying to force us to pay this card charges that are NOT ours! Very depressed and disillusioned, scared! We need help! Theyre destroying our hard earned financial life!

Company response to consumer: Closed with non-monetary relief