BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit card of TD Bank. They are not supposed to charge fee. I do not use it. They charged {$25.00} fee. I never got a statement about that fee. We had changed address at the TD Bank when we moved a new address. I found out that when you changed home address at the bank, they fail to change your address for the credit cards. They say that credit cards department is different. I did not know they chargef {$25.00}. Then every following month they started charging {$37.00} late fee. I accidentally visited the bank and asked them why I never get a statement for my credit card. Since I do not use it, I got schocked. They asked me to pay {$170.00}. Then they said if I paid {$100.00}, the problem will be solved. I paid it the stop the problem at the moment. I now check my account that they still ask me to pay {$73.00}. 
They could have taken that illegal {$25.00} fee from my checking account, or they could charge a reasonable interest. But they chose charging {$37.00} following months. When I checkef my credit score, I noticed that is is lowered from 750 to 530.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I had done an investigation on my credit report which caused me severe XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXXXXXX XXXX Account Type : Charge Off ( closed account ) Amount due : {$550.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.

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 2022-05-26
Company: SL Finance LLC
State: WI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted after my husband died in XX/XX/XXXX about student loan forgiveness for a student loan that I never took out. They said they could get it forgiven for a low charge. I went ahead with it but it never was taken off my report nor was it deleted from XXXX then XXXX XXXX. I later called XXXX XXXX and found out that it was after XXXX {$0.00} payments and I was at the time only two payments in. I was called again yesterday about it again and He claimed he was a XXXX XXXX XXXX named XXXX XXXX ( XXXX ) XXXX ext XXXX. He told me for XXXX payments of XXXX he would take it off my report. I thought it was a prelude to what I had done after my husband died for the student loan forgiveness. XXXX I woke up and found my account charged for {$190.00}. I was very upset. I called and got put on hold and then hung up. I made several email and not a response back. I got an email back this morning. I responded then nothing back again. I called the number on my card and disputed the charge and canceled my card and asked for a new one. I had sent him the contract from when my husband died. He still didn't respond. This is very frustrating to me. This cause to the stress in our daily life starting in XXXX from our move to XXXX when we were first contacted by mail and then very agressively and viciously attacked and slandered that I had a student loan and I didn't and now my husband is dead and this was a contributing factor. Now I am a mourning spouse and will never be able to replace my husband the father of my XXXX XXXX XXXX XXXX This is pure cruelty. The account is down to {$7100.00} but before XXXX died I received a letter from XXXX that stated that they had wrongfully accused me and that they wanted to give back all the money I had paid them. I told my husband a little to late for all that they had put us through since XXXX with all the name calling and threats. I am very upset. I love my husband alot. Me and My son loved spending time with him and doing things together. Now we will never see him again or be with him. I hate it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-09-22
Company: Frontline Asset Strategies, LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Complaint against Frontline Asset Strategies , LLC To Whom It May Concern, I am writing to file a formal complaint against Frontline Asset Strategies , LLC, a debt collection agency that has been relentlessly pursuing a debt that I have disputed and informed them to cease all communication and harassment as per my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ).

I assert the following rights : 1. Right to Dispute and Discharge Debt : I have the right under 15 U.S. Code 1692g subsection a & b to dispute and discharge this debt.

2. Fair Credit Reporting Act ( FCRA ) : Frontline Asset Strategies , LLC is in violation of the FCRA by continuing to pursue this debt, which I believe is unverifiable, inaccurate, or incomplete.

I request the following actions be taken : 1. Immediate Cessation of Communication : I demand that Frontline Asset Strategies , LLC cease all communication with me, as per my rights under the Fair Debt Collection Practices Act. 
2. Removal from Credit Report : I assert my right under the Fair Credit Reporting Act to have any inaccurate or incomplete information related to this debt corrected or removed from my credit report.

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to hold Frontline Asset Strategies , LLC accountable for their actions. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: CURO Intermediate Holdings
State: AL
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
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:
On or about XX/XX/XXXX I contacted transunion to dispute inquries on my credit report and noticed an extreme amount of inquries on there. I asked them to be removed due to me not given authorization for any company listed below to run any credit. I was told that I was not able to have them removed off of my credit report. XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX of 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 explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: PA
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the incorrect items on my credit reports, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: BARCLAYS BANK DELAWARE
State: AL
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the incorrect items on my credit reports, it has been well over 30 days and I haven't received any investigation results.

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 2023-10-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I opened a Chase Slate XXXX credit card with a balance transfer offer of 0 % APR for 21 months, with a 3 % fee based on the amount transferred. When I asked to transfer a balance from an existing Chase Card ( the Chase XXXX XXXX XXXX XXXX car ), I was informed that the offer did not apply to other Chase credit cards. This limitation was not indicated anywhere on the offer or even on the card opening materials that I received. I believe this renders the offer materially false and misleading. Had I known the Chase Slate XXXX card would not help with my existing Chase card balances, I would have opened a different, non-Chase card. Although I could potentially open such a card now, I have incurred a hit to my credit score by opening the Chase Slate XXXX card based on their misleading offer. I also spent considerable valuable time filing out the card application. I ask that the company immediately honor the balance transfer offer for my existing Chase balances and that future promotional materials be amended to reflect any limitations on balance transfers from other Chase credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 DEPARTMENT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDXXXX 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 or 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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
credit Bueuar is not holding up to regulations

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 2024-01-03
Company: Diversified Adjustment Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Letter was sent to my parents house on XX/XX/XXXX. I was just home for the holidays when I got the letter in regards to a past due XXXX bill. Contacted XXXX  directly, attempted to contact XXXX on XX/XX/2024 multiple times. Agent refused to identify themselves and hung up on me. On repeated attempts to call back, no answer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any INACCURATE INFORMATION which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following INACCURATE INFORMATION deleted as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX CA 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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA section 605b, I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly request that you promptly update my account with the correct and accurate information.

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 2023-04-28
Company: Experian Information Solutions Inc.
State: AR
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The 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 items : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$190.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; 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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-08
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXXXXXX {$46.00} XXXX XXXX  XXXX {$14000.00} XXXX XXXX  XXXX XXXX XXXX {$600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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: Investigation took more than 30 days

Complaint:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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