BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion continue to violate the law and my rights by not properly investigating information that remains on my credit report. According to the 15 U.S. Code 1681- Congressional findings and statement of purpose, the law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. 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.

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 2022-12-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Selene Holdings LLC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a mortgage loan with the Selene finance company, I have paid my installments on time, but they have lost an installment that corresponds to the month of XX/XX/2022. I paid my XXXX installment on XX/XX/2022, for XXXX and that of XX/XX/2022 on XX/XX/2022. My credit changed company, from XXXX XXXX to Selene finance. I have communicated both by phone and by email and they have not given me a solution because they say that the payment does not exist and that I must solve it with the other company, that is, XXXX XXXX but they say no because I no longer have credit with them. I have been waiting for an answer for 14 months and they have not given me a solution and my credit appears in default

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion provided credit score on my bank account webpage. When I pay a significant amount on my revolving credit card, my credit score drops. Has happened more than once. That appears to me as if the credit reporting company is working with the banking industry to drive consumers to increase and maintain their credit usage. Can you explain this situation? 

When an inquiry doesnt result in a new account, that shouldnt affect credit score. In my case, our company has a line of credit. At renewal, the do an inquiry on each member. That shouldnt impact my personal credit score. 

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 2023-07-10
Company: AMERICAN EXPRESS COMPANY
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am writing to file a complaint and demand that AMERICAN EXPRESS promptly address and rectify the numerous violations of federal law that have taken place concerning my account. I expect AMERICAN EXPRESS to provide a swift resolution as outlined in this letter. Failure to do so will leave me with no choice but to initiate arbitration proceedings. 

Violation of 15 U.S. Code 1691 ( a ) - Discrimination : AMERICAN EXPRESS ' arbitrary reduction of my credit limit without any valid reason or due process specifically targets me. Such actions directly contradict the provisions of this federal law, which strictly prohibit discriminatory practices in ANY aspect of a credit transaction. AMERICAN EXPRESS ' decision to decrease my credit line without my authorization, knowledge, or benefit directly violates federal law and represents a breach of fiduciary duty. 

Violations of the Equal Credit Opportunity Act and Code of Federal Regulations : AMERICAN EXPRESS asserts compliance with the Equal Credit Opportunity Act and all other applicable state and federal laws and regulations. However, the reduction of my credit limit, based on discriminatory factors outlined in a document from AMERICAN EXPRESS dated XX/XX/XXXX, directly violates 12 CFR 1002.4 ( a ), 12 CFR 1002.7 ( a ), and 12 CFR 1026.12 ( b ). AMERICAN EXPRESS has engaged in prohibited discrimination against me by utilizing information obtained illicitly from consumer reports. This conduct also violates the Graham-Leach Bliley Act, 15 USC 6802 ( 1 ), as my nonpublic personal information was disclosed without written consent.

Previous Violations of Federal Law and Damages : Furthermore, I wish to bring your attention to previous violations of federal law referenced in CFPB complaint ID XXXX XXXX. These violations include infractions of 15 USC 1602 ( f ), 15 USC 1602 ( p ), and 15 USC 1691 ( a ) ( 3 ). Consequently, I have experienced financial harm, mental anguish, emotional distress, and an inability to provide for my family, make essential household repairs or improvements, or invest in my business during the XXXX pandemic when financial assistance was crucial. 

None of the complaints I filed with the Consumer Financial Protection Bureau have been satisfactorily resolved. Below, I have listed all the unresolved complaints : COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX It is vital to acknowledge that AMERICAN EXPRESS ' actions have resulted in multiple violations of 15 U.S. Code 1681o ( a ) - Civil liability for negligent noncompliance. 

Due to the severity of these violations and the extent of the damages suffered, my demand for remedy is outlined below in detail. 

I appreciate your immediate attention to this matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX  XXXX Balance : {$900.00}

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 2021-04-16
Company: Carvana Group, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Bought vehicle in XX/XX/XXXX. Received tag in late XXXX due to delay in title and registration per their website and COVID. Monthly payments made each month to XXXX in the amount of {$620.00}. Total paid to date on XX/XX/XXXX is {$3100.00}. On morning of XX/XX/XXXX tow truck showed up and repossessed vehicle per orders of XXXX from what driver said. Called XXXX who is lien holder who stated that acct was current and was done per Carvana. Contacted Carvana personnel on multiple occasions in two day period. Had to demand to speak to management for explanation of how a car could be repod almost 7 months after buying when all payments had been paid. Told I broke my contract because my initial deposit of {$300.00} had not cleared my bank on delivery. Said they had called me on numerous occasions. Asked if they had sent me any correspondence via mail or email and told they are a digital company and dont have to. I asked numerous times what my options were and they said there was no option and car was gone. It would be assessed and pending inspection and less fees that I would be given a portion of my money back. Told unacceptable by me and spoke to a legal representative on my own. Called back on XX/XX/XXXX by XXXX, pmt resolution specialist with Carvana and given option of letting them keep vehicle and pending inspection may get some funds back. She did not elaborate on iTold by personnel it may take up to 90 days to finish this process and I asked if I I was going to be responsible for loan in meantime. They stated they would back it off my credit but, became vague when I questioned what about any upcoming payments being due and they referred back to XXXX. They are both affiliated together and different personnel will tell you different things about their relationships between the two. 2nd option was pay the {$300.00} plus a redemption fee of {$400.00}. Also very vague when asked if I would be charged storage and towing fees as well. Now awaiting a request to XXXX to further specify the details in Option 1 and be more Explanatory regarding credit and repo. The worst company ever. Most unprofessional, scamming company and obviously preys on individuals with less than perfect credit. Unethical and immoral practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Bread Financial Holdings, Inc.
State: MI
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 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. 

DATE XXXX XXXX XXXX AMOUNT {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: Account information incorrect

Complaint:
Today I received the normal deflec lietter stating I MUST PROVIDE SPECIFIC IDENTIFCATION FOR THEM TO BE ABLE TO RESEARCH my complaint. Well sadly they have that information but evidently do not know it. Next the CFPB SOFTWARE does not allow the transmission of the last 4 of my SS on the complaint. An error that has gone unresolved by the CFPB for years! Sadly, because this company does not report real time their are balance issues on as number of current accounts THEY LIST! ( my wife 's and mine ) that do not reflect correctly.CREDIT CARDS XXXX BAL, LOANS XXXX, CAR PAID AND DISPUTES and negatives settled and paid. These lenders can hold off months posting correctly while negatives are posted IMMEDIATELY holding AMERICANS HOSTAGE financially while they take their sweet time. Opinion evidently a good scam to keep ones fica score low to make more $ $ $ - fact! So please only the stupid so not know the game! And do not expect the CFPB to correct their errors because they never read the complaint just jail it or their employees may speak some English but evidently do not comprehend it?

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 2022-04-22
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an appointment with XXXXXXXX XXXX XXXXXXXX XXXX in XXXX PA in XXXX of XXXX  in which I received no medical service whatsoever and was only given a questionnaire to fill out and told to return in 2 weeks. Upon return for the second appointment, I was asked for {$250.00} CASH payment up front, despite being insured, which I refused to pay and cancelled the appointment. I was not informed until the day I showed up about this request for CASH up front. Several weeks later, I received a bill for {$140.00} for the appointment in which no service was provided and I was only given a questionnaire and sent on my way. I believe this was done out of spite because I refused to pay the {$250.00} surprise cash payment, and I believe this business is guilty of shady nefarious business practices. They didnt mention anything about {$140.00} to hand me a questionnaire until I refused to give them {$250.00} in cash on the spot. In addition, I was fully insured by XXXX at the time and no attempt was made to rectify this with the insurance company on part of the doctors office. I recently started being contacted by I.C. System Inc. debt collections out of XXXX XXXX Minnesota. I called and asked them to please never contact me again and they refused, saying that they would continue to contact me over this supposed debt despite my federal rights.

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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2021-04-15
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am requesting proof that I am indeed the party that the US DEPT OF EDXXXX and NELNET/90000043873 are seeking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Credit Reporting Act ( FCRA ) Sec. 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ]. VALDIATION by definition in law means To assess an action to determine if it is delivering the right outcome. The US DEPT OF ED/XXXX is a corporation, meaning they can not do an assessment because they are not a Natural/Living person which an assessment can only be done by one who can be categorized as such. I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them. If their offices continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX ) this action might constitute fraud under both federal and state laws. I shall hesitate in bringing legal action against them for the following : Violation of the Fair Debt Collection Practices Act, Violation of the Fair Credit Reporting Act, Fraudulent accounting practices, Defamation of Character and emotional distress. Also be advised in order to be an original creditor personnel to Title 15 Chapter 41, you must be a NATURAL person with the ability to originate credit in order to be considered a creditor. ANY use of the term for any party other than that definition is a violation of FEDERAL law and they WILL be held accountable. As a FEDERALLY protected consumer and the only consumer in this matter I demand that they follow federal law when determining their response to the previous demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Bread Financial 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: Problem with personal statement of dispute

Complaint:
Hi, I had credit in the mid XXXX, I just bought a house, I always pay my bills. I had a incident with XXXX XXXX clothing store / Comenity Bank & I had nothing but a big run a round by them & I have gotten nothing out of it but a bad credit drop. 

I just refuse to pay for something that I do not have, & that I have sent back, This is not fair at all. I need this disputed. 

I also was in the hospital for over a month with XXXX XXXX, I came very close to not making it out alive. I have proof if it will help with my side of the story. I am still dealing with the aftermath of XXXX  This is very wrong for my credit to have dropped down this low over this. I did refuse to pay, because they was not working with me with my returns. & refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I contacted IC Systems to incur about an account that was placed with their collection agency. Original creditor was XXXX XXXX and XXXX. I was advised the debt could be settled for deletion in the amount of {$2000.00}. I advised the duration of time offer was valid, no expiration date outside of the payment in full was due within 30 days of first payment. Advised I would review payment online when funds were available to ensure full amount could be paid at XXXX time to receive the settlement. The call on XX/XX/2022 lasted in duration of XXXX minutes at XXXX and spoke with XXXX. I returned a call on XX/XX/XXXX to make full account payment for the settlement of deletion and payment of {$2000.00}, confirmed amount with rep I spoke with XXXX. She advised no deletion was available now or ever. Advised that I was advised that was available for account. I requested her to confirm with supervisor and listen to call recording from XX/XX/2022. She placed me on a two-minute hold and stated she spoke with a supervisor and listened to a XXXX minute call in XXXX minutes. I advised that was not possible and their company advised of deletion and needed to honor their provided settlement as it was advised on a recorded line. Organizations are responsible to their consumers and consumers are to rectify the accounts as agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: MS
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief