BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Step 1 : XXXX XXXX XXXX added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. XXXX has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit. 

Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a letter to XXXX explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since XXXX 's negligence has greatly impacted by ability to currently obtain a mortgage ). 

Step 3 : XXXX responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : XXXX XXXX XXXX never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency. 

I would like XXXX XXXX XXXX to fix what was wrongly done. 

Companies Involved : TransUnion Corporation, XXXX  XXXX, XXXXXXXX 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 explanation
Consumer complaint received 2022-09-16
Company: Credit Karma, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Credit Karma has options for credit cards, personal loans, and auto loans that say excellent approval odds. I had clicked on the options because it did say excellent approval. I've been working to repair my credit and I trusted Credit Karma to guide me in the right way to do so when I applied to the companies that were listed. I was not approved but I was denied because of x, y, and z. So on top of spending the time to fill out the applications, my credit was pulled and affected because of a denied application. I feel that Credit Karma should not say that someone has excellent approval odds if they do not. I'm in the process of trying to repair something and damaging it by not knowing it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
FNBO, who issues credit cards for XXXX XXXX ( and other purchases ) markets a credit card that gives different levels of cash back for grocery purchases ( 3 % ), Restaurants ( 3 % ), Other than Gas purchases as XXXX and XXXX stations ( 5 % ), and all other purchases ( 1 % ). However, there is no where online or on my statement that tells me what level of reward I have earned for groceries ( and doesn't tell me if a particular store is considered to be a grocery store ). I spoke with XXXX in their customer service department today on XX/XX/2023, who told me that XXXX determines the type of store category with the store. OK, but it should not be a secret. It should be transparent to a customer which category a particular store is in. For example, the online list of transactions tells me that a restaurant name IS a restaurant and that a payment made IS listed as uncategorized because it gets no points. Every other transaction is categorized as EVERYDAY PURCHASE including spends on gasoline and grocery stores. If the company does not want to indicate which stores it considers to be a grocery store online in the listing of reward transactions, then it should have a web page showing an alphabetic list of grocery store names so that a consumer can make " informed '' decisions about how they wish to pay in a particular store. Also, there is no way for a customer to verify that the amount of rewards they received each month is correct -- this should be transparent.

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 2023-12-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
No extra information was exchanged, I received multiple calls from different phone numbers ( the one I inputted being the most recent ) asking me about a debt I dont know anything about. I have received hundreds of calls over the last few years and have requested information from them in early XXXX  ; written statements of everything I supposedly owe, itemized out so I may be made aware. I have yet to receive any documentation from this entity and refuse to pay an sum of money until further evidence is presented. I have gone as far as telling this company to place me on their do not call list, they can not even respect my rights enough to stop their almost daily phone calls.

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 2023-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 BEEN HAVING ON GOING ISSUES WITH THESE ACCOUNTTS THAT HAVE REMAINED ON MY CREDIT FILES AND ITS FRAUD AND DOES NOT BELONG TO ME. PER 15 USC 1681B THIS IS AGAINST THE LAW AND MUST BE REMOVED ASAP! I DID NOT GIVE ANYONE PERMISSION TO FYRNISH THIS INFORMATION ESPECIALLY INFORMATION THAT IS CLEARLY WRONG.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account.

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 2022-04-06
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
For over XXXX years I've made my payments to Avant credit LLC on a timely fashion, however over the past several months Avant has been holding over my available funds for 10 days. THIS STARTED AFTER I ACCIDENTALLY SENT DUPLICATE PAYMENTS to them and I requested for Avant to send back one of the payments which they refused, so I had to file a dispute with my back to get that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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. 15 USC 1681I ( A ) ( A ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ACCOUNT NAME : XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX  XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : 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 2023-03-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX and Equifax are showing a XXXX XXXX Bankruptcy on my credit report. The XXXX XXXX Bankruptcy should be removed from my credit report because it's been discharged since XX/XX/XXXX  which was 13 years ago. 

XXXX XXXX Bankruptcy reference number XXXX filed XX/XX/XXXX  and discharged XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: FL
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 XX/XX/2021, I sent a detailed letter to each of the 3 bureaus, advising them of errors that I wanted them to research. To date, I have yet to receive mail from the bureau. I submitted my dispute through the US mail and I noted on the disputes that I also requested to receive the answers to my disputes through the US Mail. I'm aware that the FTC did allow the bureaus some flexibility at the beginning of the pandemic, but there should not be any reason they can not reply to me regarding my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Island Finance Puerto Rico
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Personal loan taken from Island Finance on XX/XX/XXXX with maturity date XX/XX/XXXX. In XX/XX/XXXX after hurricane Maria while doing my payment over the phone the representative offered to skip up to 4 months of payments and extend the maturity date in the same proportion. I skipped 3 months and accepted to pay until XX/XX/XXXX. While doing my last payment they informed that the payoff is over {$2000.00} because of interests from the extension. The company is informing that if the total amount is not paid by XX/XX/XXXX then it is going to be reported to the credit bureau. They indicate that interest is calculated daily ( similar to revolving accounts ). The bank failed to disclose interest calculation. The company sold loans with grace period of 10 days but charge additional interests during that period in addition to the late fees. The bank failed to disclose the calculation in a monthly basis and waited 8 years to disclose the accumulated interests. I requested payment history several times and at this moment no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: CT
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 XXXX XXXX had brought me to small claims court XX/XX/2019 for an alleged debt with XXXX XXXX XXXX 

There was a Judgement of Dismissal rendered on XX/XX/2019 in regards to the debt they were trying to collect from me. 

The judgement is very clear stating I am not responsible to pay any part of this debt and that XXXX does not have any right to appeal this judgement. 

Since that day, XXXX has continued to tell all 3 credit bureaus that the debt is valid. 

Because of this, the 3 credit bureaus continue to keep this debt on my credit report even after the fact that I have provided the court documents showing I am not responsible for this debt.

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 2018-10-11
Company: CITIBANK, N.A.
State: IL
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:
CITI dispute department Does NOT do a good job in reviewing the case. they skim through material, and not put their customer 's benefit at first. They are not being transparent to their review process and just gave out vague reason for what they did. I have solid and strong evidence to prove my case but they choose to ignore, or not care. I need an explanation!

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 2023-10-03
Company: EQUIFAX, INC.
State: LA
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 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 correct :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: VW Credit
State: WI
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:
Volkswagen credit is reporting inaccurate information in my consumer report. There are multiple inaccuracies, discrepancies, inaccurate information, incomplete, untrue, unverified and incorrect information on my consumer report. Volkswagen has been very challenging to work with upon my requests and very misleading in the information they provide to consumers regarding disputes. 
The disputes I am requesting investigation into are the following under my consumer rights in accordance to FCRA and under 15 usc 1681, which stated factual information and the most accurate information must be reported. 
1 : inaccurate repossession status on consumer report. This furnisher is reporting an incorrect/ inaccurate repossession & reinstated loan status on this account. This load was completely paid in full and the account was closed in XX/XX/XXXX. Up until this date XX/XX/XXXX this furnisher has continued to actively report on a monthly Basis the same inaccurate information. This furnisher has failed to update the account status to closed and paid as agreed for the last 7+ years. This needs to change and be updated to closed and paid as agreed. 
This creditor unlawfully repossessed the vehicle in XX/XX/XXXX. After a payment plan was agreed to by the billing department, the creditor later admitted it was a mistake on their behalf and reinstated the loan, however is was also inaccurate as the car shouldve never been repossessed so therefore should had a reinstated status, They never changed the status as it remained as repossessed and reinstated. This status needs to change to closed and paid as agreed. This violates my consumer rights under 15 usc 1681 which states transactions history by the consumer are not to be reported. 
2 : late payments discrepancies across all these credit reporting agencies. Volkswagen continues to report inaccurate and unverified text payments in my consumer report. They report multiple late payments across all agencies, all with different dates, length and months. This information needs to change and these late payments need to be removed and updated as paid as agreed never late. I request method and mode of verification of such information for each and every credit reporting agency that has been issued this information to. 
Lastly : I will attach the letters with the information I am disputing and the documentation Ive been keeping in my attempt to Work with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report. Please remove all these fraudulent unauthorized inquiries on my report. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help. This is hurting my credit and reporting false information to future creditors. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: AmeriHome Mortgage Company, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have a mortgage with AmeriHome Mortgage since XX/XX/. I have been unable to make any mortgage payments online since I started a loan with this company due to an error on their website that prevents me from making a payment. I called the company the day I had to make my first payment and asked to have the issue resolved. Their response was that the error I receive every time I try to make a payment online is due to their systems not accepting long names like mine, which falls into discrimination. It is absolutely unacceptable that this company uses outdated system and practices to keep me from making mortgage payments online on time. It has been 5 months as of today and the issue persists. I am required to use one of the alternate solutions this company gives me to pay for my monthly mortgage, which are ineffective and inconvenient, and defeat the purpose of having a website to make payments in the first place. By having a system that intentionally prevents customers with long names to make payments online, this company is engaging in discrimination. ( Attached is a screenshot of the error I receive every time I try to make a payment from their website, which is preventing me from making such payment. My name is prepopulated so I can't change 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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the FCRA my credit report is supposed to be fair and equitable. The 3 CRA 's are reporting negative and inccurate accounts on my report > None of the reports match and they all should if the information was correct. Nothing is supposed to be furnished on my credit report without my consent.15 usc 1681b. And according to the US Constitution the only way you can pay a debt is with silver and gold, and since there is no silver and gold. Trans union is the worst in accuracy. 15usc1681e ( b ) 15usc1681a ( 2 ) ( B ).

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 2017-09-15
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX license expired over a decade ago an there trying to collect a debt from me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Phoenix Financial Services LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
account with Phoenix financial account # XXXX Account on credit report showing PAID but still showing balance of {$910.00} Phoenix financial XXXX We are trying to fix our credit and working with XXXX XXXX  in Ga.We are trying to purchase a home. Any help in this matter would be greatly appreciated. 
Thank you 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 2023-10-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed a complaint on XX/XX/2023 in reference to information that is not correct in Equifax 's records. I have an initial dispute # XXXX. In which they closed and I have asked them to reopen thru a letter sent. They have the wrong address, it is the previous address and they never updated to the new address, no matter how many times I tell them. They have not updated my credit report. XXXX and XXXX both have. If you call they can not identify me because their information is incorrect. I asked for my credit report and it is a wealth of misinformation. If I did not get my credit report thru an email, and they mailed it to my previous address... what would have happened? 
Loans and credit cards are not updated. Since I can not send personal information, I did not state which ones. School Loans have not been updated. 
Nothing is updated...

Company response to consumer: Closed with explanation