BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The information you see above is my most current personal information per FCRA and Metro 2 compliance reporting standards. If what you have on file for me doesn't match what's listed, there are problems with either your records or those who provide them for verification purposes. My profile must be accurate and thorough in order to comply with FCRA and Metro 2 compliance regulations. You must furnish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. 
This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022, I received a letter from TransUnion saying they did not complete my investigation request because it looks like my request came from an unauthorized third party. This letter was mailed by me, with my return address on it, and it with my digital signature. There is no way they thought this came from a third party. This is a clear attempt to ignore my investigation request and that is a violation of the FCRA. Also there is no law saying that a third party request can not act on my behalf if I gave them permission. I mailed the letter on XX/XX/2022.

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 2022-05-05
Company: Experian Information Solutions 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:
Receive email notification on XX/XX/22 for a recent address change after speaking to representative XX/XX/22 at approximately XXXX EST regarding my social security number being updated. Experian updated my personal information without my consent. Spoke with representative and explicitly stated I did not want my address on file to be changed

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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Problem getting your free annual credit report

Complaint:
I signed up for TransUnion so I could get my free credit report with them. While signing up I was required to provide credit card information because the only way to get the report was to sign up for their credit monitoring program. 
I did not want their credit monitoring, counseling or alerts. It wasn't until I was a member and charged {$27.00} for my credit report that I was offered the link for a free version through a 3rd party. Like the other 2 credit bureaus I should be able to get it from TransUnion for free and not pride my personal information to a 3rd party. 
No I have a membership for the next month that I don't need or want and have cancelled but still won't get any money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: GA
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 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Bread Financial 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: Account information incorrect

Complaint:
I'd like to start by saying this is XXXX XXXX and I am representing myself and my credit report in a whole. 

The Arizona Usury law clearly states that it limits interest rates at XXXX XXXX That If a bank or lending institution charges more than this interest rate, it will incur penalties. 

You claim this account that is on my report now, had a limit of {$1000.00}. Your balance per letter attached to my last claim was {$1900.00} which is well over the XXXX XXXX Arizona law limits per year. Also, your reporting states I owe {$1900.00} on XXXX, but {$1900.00} from what you've provided to me and the CFPB, per their records and mine. 

This is a clear violation as if the reporting is even off by a XXXX it invalidates the debt. Thus, for these XXXX reasons, the debt has to be deleted per my rights as a United states citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2023-12-06
Company: EQUIFAX, INC.
State: TX
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:
The credit bureaus deleted the account ( RENTRECOVERY SOLUTIONS, however it is still reporting on their websites. 
Also, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: Bread Financial Holdings, Inc.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 To whom it may concern : 12 months ago, I went to BJs in XXXX, NH and filled out an application for a BJs Mastercard at their service desk which I left with them to forward. Several weeks went by and I hadnt received my card, so I went to BJs service desk and told them. They replied, sometimes it takes a while As time went by, I forgot all about the card and never perused the matter. 
On XX/XX/2023 I received a statement from XXXX XXXX XXXX XXXX XXXX, a debt collector, stating My account with Comenity Capital Bank BJ, s had been turned in for collection in the amount of XXXX. I called XXXX and was told that a card was issued in my name and a XXXX fee was charged initially and the balance was late fees, etc. 
I told them that I had never received the card, I never had placed a phone call activating the card and never received a statement in all that time. 
I received no satisfaction. 
Looking for some help in this regard. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My personal credit card ( ending XXXX ) with XXXX XXXX has a regular balance of {$40.00} ( see attached document from XXXX 's myaccount access.com ). 

XXXX XXXX " criminally, willfully & fraudulently '' reported my balance of my personal credit card ( ending XXXX ) {$710.00}, to all credit reporting agencies in particular XXXX and Equifax. Thus, my FICO score " dropped '' by at least XXXX points. This is NOT a isolated incident by XXXX XXXX- there are many willful and criminally motivated FCRA violations. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Each of the three credit reporting bureaus are allowing written off accounts to be reported as delinquent each month when it is my understanding that as these accounts have been written off, the creditor stops its collection efforts, declares the debt uncollectible, and reports it to the IRS as lost income to reduce its tax burden, as such I do not think this is acceptable practice to allow negative monthly reporting on my consumer credit reports. I have made attempts to contact creditors who were unwilling to disclose account details and/or unable to arrange for payment on the debts, referring me to their legal counsel.

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 2022-04-27
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I contacted XXXX XXXX to take a course. Less than a w week later I have to cancel On XX/XX/XXXX, I contacted XXXX to take the XXXX course. I was contacted almost several hours within a day to make a decision. After I made the decision, a week before the course started after paying a total of {$1800.00} to XXXX, I had a death in my family. I contacted the representative who informed me that I can cancel and all funds will be refunded due to my state of grieving. In addition, on XX/XX/2022, I had technical issues with accessing the website. Each time I tried the access the platform, I was under the impression that it would work, I contacted XXXX and was told to reach out to " Please raise a ticket on the Dashboard where you can see the help section. '' I did and no one responded. 

I switched using XXXX and tried XXXX XXXX. The sit worked for 5 mins and then stopped. Dealing with the grief and was assured by the representative that since I have not started the course, then I would be refunded. I informed the representative, who identified himself as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXX XXXX, he assured me that the refund was completed based on the circumstances. Several weeks later, XXXX, re-charged my brother 's credit card for {$1800.00}. 

I contacted the merchant several times via emails from XX/XX/2022, to as recently as XX/XX/2022. To date, no one has contacted me to resolve the issue or attempted to offer me credit of any sort. Instead, they kept my money using some lame excuse of course access. Each time, I log in with the technical issues I experienced accounts for course usage really? 

I once again contacted XXXX, no one is answering the phone and it appears they are able to get away with my money without any intervention. This is unfair and unethical. Even with the email proof I sent. 

My brother and I contacted American Express and they stated they would assist us in getting our money back, to date. XXXX has yet to offer full credit for a course I have not taken. At no time, did they disclose the terms of usage or informed me that I would not have my money back. I hold American Express responsible for violating the Do No Harm principle in business transactions. 



INVOICE AND RECEIPT INVOICE # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX, United States NA BILL TO : XXXX XXXX XXXX | XXXX ORDER # : XXXX ISSUE DATE : XXXX XXXX TOTAL : {$1800.00} COURSE DESCRIPTION PRICE ( $ ) QTY TOTAL ( $ ) XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX TRAINING TYPE : Online Bootcamp XXXX  : XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX X XXXX = XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account online and then I went in to the XXXX XXXX, OH location where I deposited some money into the new account. They ordered me a card and took my cash deposit. This was on Saturday XX/XX/XXXX. I was led to believe I had an atm debit card coming so I ordered checks for the account and made arrangements for my  paycheck to be direct deposited. Now I find out on XX/XX/XXXX that they have closed my account, kept the money I deposited on Saturday and also are keeping my direct deposit from my employer that was direct deposited on XX/XX/XXXX and will not give me an explanation as to why my account was closed or give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: NE
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 accordance with the Fair Credit Reporting act, 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 a account without my written instructions 15 U.S.C 1666B : 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 2021-04-15
Company: Jim Bottin Enterprises, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ABC Financial is the payment servicer for the previously known XXXX XXXX XXXX, and XXXX XXXX XXXX in XXXX, TN. 

I have communicated to both of these companies on numerous occasions that I wish to revoke my EFT authorization as is my legal right to stop the collection of payments via my credit card. 

The company named in this complaint is ABC Financial. They have replied to me stating their refusal to stop the billing despite my best attempts to present their legal obligation. 

Attached to the complaint is the email chain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Freedom Mortgage Company
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: Account status incorrect

Complaint:
I HAVE A 30 DAY LATE ON MY CREDIT REPORT. I PAID ON XX/XX/2018 FOR THE AMOUNT OF XXXX IT WAS taken from my acoount. I called freedom mortgage. I spoke with a REPRESENTATIVE and they told me to email my supportive documents and a brief message and they should remove 30 day from my credit report. Freedom mortgage is starting that they never got my payment. I was told it never cleared from my bank. I have my online banking showing it was taken out. I did have two return checks but not for this amount. Then i was told i made a payment on XX/XX/2018 in the amount of XXXX. I never made a payment on XX/XX/2018 and never make a payment in the amount of 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 2023-09-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: 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 XXXX and 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 non-monetary relief
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: R.A.Rogers, Inc.
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 have an issue with my credit report with XXXX. XXXX report about someone else account on my credit. The name and date of birthday of that girl similar to me and she is getting services from XXXX but did not make a payment of {$220.00} which is due on XXXX XXXX. Because we both have same names and date of birth, so XXXX put this due bill on my credit and going to decrease my credit score. It happened with me second time, earlier they put credit with same name who was customer of bell. Even in my whole life i am not customer of XXXX and XXXX. So, everytime they just match my name and birthday with someone who doesnt pay the bills on time and put myself in trouble. So, that is why, i want to make a complaint against them because they do not check whole information like Social insurance number or other specific documentation. Can you please reach out to them so that they can remove this false information from my credit report. I will look forward to hearing from you. 
I will really appreciate that if you can help me. 
Thank you Have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Creditor : XXXX XXXX Credit Bureau : Transunion XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Transunion on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Transunion who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, 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 2023-08-15
Company: EQUIFAX, INC.
State: GA
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:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief