BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive Ask Transunion, XXXX and XXXX to delete all my old addresses and phone # and to update my information and they didnt 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 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 2023-04-04
Company: Atlanticus Services Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/XXXX I opened an account with XXXX  ( security company ). I was told that the equipment would be financed through a third party company Fortiva Credit with 0 % interest. Everything was fine and going along with what I agreed to which was {$26.00} monthly payment that was auto drafted out of my account monthly. On XX/XX/XXXX, I received an email that said " congratulations you've earned an account upgrade. '' I did not think anything of it, I figured they just moved me to a different account type. On XX/XX/XXXX, I received the card in the mail along with the disclosures and to my surprise this account now charges 29.99 %. This is not something I agreed to or I signed up for. I was switched to this account without my knowledge. The amount that was transferred over to this account is {$690.00}. I agree this is a balance I owe, but I am not an agreement with paying interest on the money. I want to be switched back to my retail account and finish paying my monthly balance. 

My contact information : XXXX XXXX -- XXXX -- XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX. 

1. XXXX XXXX ACCT # XXXX 2. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ( 6 ACCOUNTS ) ALSO EXPERIAN IS REPORTING THE XXXX STUDENT LOANS AS A " OPEN, COLLECTION '' BUT ON XXXX ITS SHOWING " XXXX PAYMENT HISTORY NOT AS A COLLECTION '' HOW ARE BOTH BUREAUS REPORTING THE SAME ACCOUNT DIFFERENTLY? ALL STUDENT LOANS NEED TO BE DELETED!!!! ( PLEASE SEE ATTACHED CREDIT REPORTS ) 3. XXXX XXXX ACCT # XXXX 4. GXXXX XXXX  ACCT # 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.

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 explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 2023-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX : notified XXXX someone had used my ID to try and open 2 credit cards at BankofAmerica XX/XX/XXXX. Placed fraud alert on all 3 major companies. XX/XX/XXXX same person tried another card in my name same place BankofAmerica. XXXX Let Them Have the Credit Report!!! No record of my fraud alert, I could find no dispute of hard inquiry by BankofAmerica on XX/XX/XXXX. Had also requested dispute of that inquiry. It is not on dispute. It gets worse. 
Today called XXXX, XX/XX/XXXX. Tried to plave a free freeze, system hung up on me when giving me pin number. Called back 14 times, could npt get a person, nor could I confirm the freeze was put on. I had to pay XXXX a month to freeze my XXXX credit! They are crooks, extorting this money out of me, or let them issue reports and credit to whomever has my information! 
Bank of America I called them XX/XX/XXXX, they said they would be investigating this and making alerts, but, again, same people tried to pull credit on my name again XX/XX/XXXX, how could they let this go through?! 
I need : both XXXX XXXX Bank of America Taken Off/discarded XXXX XXXX back to where it was before these inquiries A record in writing on paper of the existing fraud alert, the pin number of there was an actual freeze by me by phone today and refund of all monies I must pay to keep my credit info safe ( blood money ) until a proper free freeze with me having gotten the PIN NUMBER to my freeze so I can unfreeze when I need to change phone companies. 
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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXXXXXX XXXX XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
While on a flight back from Hawaii. XXXX XXXX promoted a promotion on the airplane if you get approved for a credit card you woul receive points enough for a round trip. Those points where never applied to the account they also advertised 50 % off a companion ticket and they also did not apply that. I have spoken to countless representatives and they have not applied the points or discount. This company was misleading at the time of offer. Please see attatched advertised pamphlet that they handed out in flight.

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 2022-10-20
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Afternoon, I submitted a refund request to my federal student loan provider, Fedloan, back in late XXXX, as I was eligible for one ( paid off my federal student loans during the summer of 2020 ), and they promised to submit confirmation of my successful refund request to my email ( XXXX ). I never received confirmation, and now they seem to have transferred my loan account to another provider. I do not know which provider that is, as they haven't communicated with me at all. 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: MA
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:
Remove all inaccurate, erroneous, unverifiable information. I will be as clear as possible so there is no further misunderstanding. The corrections should be as follows : XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX  XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; balance is lower than high balance ; delete immediately XXXX XXXX XXXX XXXX XXXX ( and all variations of this account ) - last payment made states XX/XX/2013 ; it is almost 10 years later ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Reporting charge off with a balance ; delete immediately

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 2016-08-31
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I filed a complaint with Barclay Card and FreedomPop and I am coming back. There is inaccurate disclosures from BarclayCard and FreedomPop. 
Charge was {$280.00}. FreedomPop agreed to refund {$260.00} and Barclay will cover the {$16.00}. Freedom pop responded with only {$250.00} within 5 business days. 
I also never pre-authorized FreedomPop to charge my card again, they just have my credit card info for the first charge. Any mediation, arbitration, dispute with merchant should be done with myself and the merchant only ... and Barclay should stay out of it. I went through bankruptcy once and I want to stay in control of my expenses. 
I attach my XXXX account with their set up ... all pre-authorized charge, recurring, non recurring ... so the consumer can manage it ... not the credit card provider.

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 2023-05-19
Company: Bread Financial Holdings, 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:
In 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 1666BB : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Last reported XX/XX/2019 Reported balance {$680.00} Opened XX/XX/2019 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX NOW THIS COLLECTION HAS ALREADY BEEN TAKEN OFF MY RECORD AND HANDLED! NOW THIS COLLECTION AGENCY THAT NEVER TRIED TO CONTACT ME AT ALL HAS PLACED THIS BACK ON MY RECORD CLAIMING I OWE THEM IN WHICH I DON'T!! 

AND I HAVE PROOF! 

THIS IS THE AGENCY THAT HANDLED IT FIRST! COPIED FROM MY CREDIT REPORT Accounts In Collection Removed ABILITY RECOVERY SERVICE Collections Account Removed This is great news! Collections accounts can do a lot of damage to your credit score, so getting one removed is often great for your credit health. Collections accounts are typically removed after seven years, or could be removed due to a dispute or settlement. 
Between XX/XX/2019 and XX/XX/2019, your ABLTY RECVRY collections account was removed from your credit report.

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 2023-02-02
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a credit alert from my book telling me a received a major derogatory mark on my credit report with CREDENCE Resource Management. The account number is XXXX and date status reported XX/XX/2023. The amount is $ XXXX called this company and they told me someone opened an XXXX XXXX XXXX account in my name in XXXX. I told them that I do not live in XXXX  or know anyone in XXXX, and this was not me. About 6 months ago possibly the same person tried to open an energy account in XXXX  in my name as well. This was removed from my credit report. I was told that this matter was turned over to this collection agency and an attorney. 
I called XXXX, who helped me with the last issue, and reported the problem. I was told to file a report to your agency. 
Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Last XX/XX/2022, I made two claims for misuse of my debit card in two stores. 

1. In XXXX XXXX for the amount of XXXX XXXX. In XXXX for an amount of XXXX Both operations were reported as unrecognized and fraudulent and the issuing bank ( Bank of America ) refuses to recognize these operations. I repeat, I do not recognize either of the two purchases and for a long time I have been the subject of several fraudulent operations. Also months ago someone has been using my credit information to open accounts in residential complex.

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 2022-12-27
Company: WELLS FARGO & 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: Card was charged for something you did not purchase with the card

Complaint:
companies involved : XXXX XXXX XXXX XXXX ( Wells Fargo ) It appears that I am a victim of ID fraud. 
I am getting bills or emails from the companies above because the companies have approved credit cards for a criminal whose ID in unknown. Obviously the companies know my name and home address and casually give out credit cards to the crooks, and then force me to make calls and wait in line for hours to talk to the fraud Dept. After talking to the fraud dept. nothing is ever done to correct the problem. XXXX for instance said to fix the problem, they are issuing me a new credit card with a new number. This after I have informed them that I have no account with them. ( outrageous ). I suppose my credit score is suffering because of this fraud and there is nothing I can do to stop the fraud.

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 2019-11-01
Company: Factor Trust
State: NV
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:
In 2017, I receieved an email from the company that stated back in 2017 that my balance was reduced due to a settlement with the State of Virginia. I paid the account in full right after that. I just applied for a loan which was declined due to a charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: MD
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  original debtor XXXX has received a check and cashed agreeing that the debt has been paid in full and will remove the debt from the credit report if cashed. The check was cashed on XX/XX/2023 and I received a call on XX/XX/2023 advising me they have a balance left and they do not have anything to do with the updating of my credit report. 

Please have this debt removed as a negative remark on my credit report as the debt has been paid in full and the agreement must be honored. 

Attached is the cashed check with the agreement of being cashed debt will be PIF and removed from my credit report

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 2023-02-03
Company: Experian Information Solutions Inc.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$520.00}

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