BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was notified XX/XX/2023 by XXXX XXXX that my name was added to someones credit card. Upon checking my TransUnion credit report per XXXX XXXX, it shows a XXXX XXXX account # XXXX with a balance {$2900.00} that is not my card or account. I called XXXX XXXX XXXX and spoke with a XXXX who informed me the holder of the card was also a victim of fraud. My name was added to the account fraudulently using my correct name, birth date and social security number. However, they used an incorrect address of XXXX XXXX XXXX XXXX XXXX, FL XXXX of which I have never lived. I have never lived in Florida ever. XXXX stated they would remove my name from the account and notify credit bureaus to remove the account from my credit report. So someone is using my name, date of birth and social security number to commit fraudulent credit card theft.

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 2023-09-15
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received phone calls from National Credit Systems regarding a sole debt from XXXX XXXX apartments over 7 times within a 7 day period, in addition I received XXXX phone calls after I spoke with them regarding the debt and asked for validation. The phone calls were received on Missed call XXXX at XXXX cst Incoming call XXXX at XXXX cst Missed call XXXX at XXXX cst Incoming call XXXX at XXXX cst Incoming call XXXX at XXXX cst Missed call - XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX cst Incoming call - XXXX cst Missed call - XX/XX/XXXX at XXXX cst, Missed call - XX/XX/XXXX at XXXX XXXX cst Incoming call - XX/XX/XXXX at XXXX cst Incoming call - XX/XX/XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX XXXX  cst

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I paid {$800.00} towards my credit card Express XXXX on the last week of XX/XX/2022 but I noticed it wasnt reflected in my Credit Score up to this present time. It was been almost two months now. I paid all my credit cards and some of my payments registered right away after my payments has been made. And most of them registered to my credit score after couple of weeks. This Express Company doesnt do the same. Its now XXXX! When are they planning to report my payment to the credit bureau? I never missed any payments! Whenever I tried contacting them they will always put me on a long wait and you cant even get a hold of a real person. Its always their computer doing all the talking. Please XXXX help me wirh my Express Credit Card account to update my payment so I could get a better and higher credit score to buy a home Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: The CMI Group, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  sent a bill for collection to Credit Management , LP that does not belong to me. The bill is for a modem that my ex-husband did not return promptly back to XXXX. While the modem was returned on XX/XX/2021, Credit Management reported my name to the three credit bureaus : XXXX, XXXX and XXXX. This is preventing me from being able to move forward on a mortgage. 
First I called XXXX. They told me if I went to a XXXX XXXX, I could get a copy of a paid receipt showing the amount due is {$0.00} since my ex-husband returned the modem. Before I could go to the store, I had to make an appointment on-line. I wasn't able to get an appointment until XXXX pm. When I arrived for my appointment, there were 4 people working in the store, no customers. The workers told me they were " binge-watching '' XXXX. They also told me there was no way they could print anything out for me to show the balance due was {$0.00}. 
I called XXXX back. After getting no where with the first person, I spoke with a supervisor. She promised I would have something in the mail showing balance due {$0.00}, by the end of the week. It's been 2 weeks, I haven't received anything in the mail. She also said they would call Credit Management , LP to remove the account. 
I called Credit Management , LP to let them know this was not my bill and I needed them to remove my account from the three credit bureaus. They told me they sent it back to XXXX and show it as closed. When I asked them to follow up with the credit bureaus, they said there's nothing they can do because they don't have the account any longer. 
I called XXXX back and was told they don't report to the credit bureaus so they can't recall the collection reporting. They said Credit Management , LP does that. 
I am at a total loss as to how to get this off my credit report. 
I went to the XXXX website to " dispute '' the claim but their website wasn't working properly so I couldn't upload a copy of the original bill that shows it was in my ex-husband 's name and address. I called XXXX XXXX Relations and was told it may take up to 30 days for them to fix. In the meantime, interest rates on mortgages are going up. 
XXXX  and/or Credit Managment , LP reported me to the credit bureaus for a bill that is not mine and they will not correct the error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Delete the Inaccurate information and unauthorized inquiries from my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX unauthorized inquiries : XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-10-28
Company: Experian Information Solutions 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. 

XXXXXXXX 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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 response to consumer: In progress
Consumer complaint received 2023-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America opened a BofA Celebrity Cruises Visa card in my name without my consent. The account was opened XXXX/2022. I received the card and new account information on XXXX2022. I immediately closed the account but no one at BofA could tell me by whom or why this account was opened. I was able to contact XXXX who confirmed that a soft inquiry was fraudulently made by BofA. They were able to remove the inquiry from my credit score. I want BofA held accountable. Unfortunately I can not close my one credit card account that I have had with BofA without it having a negative effect on my credit. 

Please tell me how to proceed. 

Thank you.

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 2022-03-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX billed me for what they claim to be damages and monies owed on our XXXX XXXX XXXX that was returned in XX/XX/XXXX. The vehicle was returned with XXXX less miles than originally agreed upon. The value of the vehicle is MUCH higher because the mileage was so low. They are claiming that I owe them $ XXXX for missing a scheduled service. They are claiming that I owe them for 4 new wheels because of a ridiculous standard that they set. They are claiming that minor scratches are expensive and need to be paid for. This vehicle was never involved in an accident and was returned in GREAT condition. They sent a " MAJOR DEROGATORY '' claim to major credit bureaus which lowered my EXCELLENT credit score by over 130 points affecting my ability to borrow money. They are bullying me as a consumer and think they can charge consumers any amount that they deem necessary at the end of their lease. This is not fair and I will not be taken advantage of. I need all negative items removed from my credit reports and my credit score restored.

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 2022-12-15
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I filed my Public Loan Forgiveness Program ( PFLP ) documentation on-time and to the correct authorities. And yet, despite having earned forgiveness, the government spends my tax dollars on XXXX and Mohela, who combined to screw up my paperwork as detailed in an email to me from the US Dept of Education on XXXX XX/XX/2022 : " Due to a vendor error, you recently received an email with a subject line indicating your application for the one-time Student Loan Debt Relief Plan had been approved. The subject line was inaccurate. The body of the previous email was accurate. 

We have received your application but are not permitted to review your eligibility because of ongoing litigation. We will keep your application information and review your eligibility if and when we prevail in court. 

We apologize for the confusion, and you do not need to take any further action at this time. We will keep you updated with any developments. '' How is it possible that despite all the time and resources available, my paperwork and correspondence can be so poorly handled? To what kind of justice can these delinquent organizations and their leaders be held? Where are the investigations into this massive malpractice?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to code 15 USC 1681 ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.I never gave written permission to anyone to put account XXXX XXXX XXXX XXXX on my credit history but it's showing on my transunion. Now I have a debt I don't know what it is and it's not from me. I have a right to privacy, I never gave written consent.

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 2023-01-18
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PayPal- money taken on Both ends and they have not issued me my refund. Its been weeks XXXX XXXX XXXX : {$1500.00} Date : XX/XX/2023 Ive reached out to seller and called numerous of times. The money is out of sellers account and its just being held

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I did not receive my {$400.00} bonus for completing the terms of opening a checking account, setting up direct deposit, and performing debit card transactions ( see attached terms ). I logged into my online account and looks like it was closed without my knowledge with funds still in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX is reporting me 30-60 days late because of wrong information. 

The company XXXX stated they processed my XX/XX/2020 loan payment on XX/XX/2020. 

I made XX/XX/2020 payment to XXXX mortgage company on XX/XX/2020 as my bank statement shows. 

I made my XX/XX/2020 payment on XX/XX/2020 to XXXX as my bank records show. 

I was then placed on XXXX XX/XX/2020. 

XXXX XXXX XXXX does not reflect the XX/XX/2020 payment. 
What happened to the XXXX XXXX, 2020 payment? 

What payment was 30-60 days late? 

Thank you, 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 explanation
Consumer complaint received 2020-07-14
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:
ftc violation XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX address is wrong XXXX  card services FTC violations

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 2023-08-30
Company: FORD MOTOR CREDIT CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
Spoke with Ford finance twice this week only for them to say they dont have any information available for me and gave me two different numbers to a collections company. The first number doesnt have any way to leave a message or request call back, the second number which I received today doesnt ring. They reported that I owe XXXX onto my credit and all I received was a typed piece of paper that said amount owed. Im requesting any type of actual proof of what they sold it for and an actual way to contact this collection agency who they may have misrepresented telling me it is a lawyer. The numbers they provided are XXXX and XXXX. Will absolutely be bringing them to court if not rectified. Have reason to suspect contractural fraud with finance charges from the dealership as well. XXXX XXXX of the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in 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 non-monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions 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, XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXXDEPT OF ED Account Number : XXXX XXXXDEPT OF ED Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX these accounts have violated my rights. 15 U.S.C. 1681 section 602 A states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 ; it also states that the consumer reporting agency can not furnish an account without my written instruction. 

I would like this agency to provide me with proof of my written consent for these accounts to be furnished. I would like to be provided with my original contract and signature, and proof within that documentation that states Im consenting for this to be furnished.

If proof can not be provided within 30 days of my request ; I demand these accounts to be deleted immediately from my credit reporting.

Company response to consumer: In progress
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
This is regarding my student loans amounts : {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} .. these loans are reporting incorrectly on my credit report. 
i paid off these loans a while back but they are still appearing on my credit report. Please take them off my credit report immediately. 

thank you

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 2023-06-19
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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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