BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In early XXXX I had XXXX credit card with a perfect credit history and a score that was near excellent ( XXXX ). In order to improve my score further I was told by multiple sources that needed to wait for 6 months to apply for a second credit card. I was also told by those sources and multiple internet searches informed me that I could expect a temporary drop in my score of XXXX to XXXX points. I could deal with that. Shortly after XXXX XXXX approved me for a {$1000.00} credit line I noticed a huge drop in my TransUnion score although nothing else had blemished my credit history. Prior to this date my TransUnion, XXXX, and XXXX scores were all similar. Afterward, the XXXX and XXXX scores dropped temporarily by XXXX to XXXX points. My TransUnion score dropped nearly XXXX points and after 3 months of low charges and quick payoffs it has barely improved. I have contacted TransUnion more than once to learn why they destroyed my credit score yet show I have a perfect track record. They refuse to respond. Please investigate this agency for me immediately. My TransUnion score is now approximately back where it was prior to my applying for my first credit card FOR NO REASON. I have worked my XXXX off to improve this credit score after paying off past debt and I refuse to believe that the 3 credit bureaus have no one to hold them accountable for what is obviously gross negligence.

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 2019-10-17
Company: Viking Client Services
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was in a car accident after renting a XXXX rental car the same day I rented it on XX/XX/2019. I called the police and reported it and I called XXXX and reported it. XXXX said to wait until they sent a tow truck. After waiting a couple of hours the police on the scene told me to leave. XXXX ended up sending a tow truck from far away and leaving that car in impound accruing {$300.00} in impound fees. I am only responsible by contract for a loss damage waiver of {$310.00}. They charged me an additional " administration fee '' for {$50.00}. The tow yard invoice shows this admin fee was actually {$45.00}. They are also trying to charge me an additional {$1200.00} without explanation. They claim they are towing fees but the tow yard shows a total of {$580.00} with {$300.00} of that being XXXX 's negligence in not picking up the rental car from the impound lot for days. Additionally, their contract states that if a car is returned after 12 hours a fee of $ XXXX/day will accrue and is capped at 5 days for a total fee of no more than {$75.00}. I did as they instructed, XXXX took possession of the car with the tow, and chose to leave it in impound to accrue {$300.00} in fees. 
They have threatened to credit report me on these bogus charges. I will pay the Loss Damage Waiver I am contractually obligated for and not a penny more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: NY
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: HI
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 declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX HI XXXX XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Reporting Transaction history is illegal. 
16 CFR 313.7, 16 CFR 433.2, 16 CFR 433.3, 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. They need my written consent to add anything to my consumer report & I did not give this authorization, that is a violation of the Fair Credit Reporting Act. This is also a violation under The Privacy Act of 1974. 

15 U.S. Code 1681n - Civil liability for willful noncompliance In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

15 U.S. Code 1681o - Civil liability for negligent noncompliance In general, Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure. 
Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures Privacy Act of 1974.

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX/XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions 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:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I am writing to formally dispute the validity of two collections accounts listed on my credit report, which were reported by XXXX XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts.

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.

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 2022-04-11
Company: AMERISAVE MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They marked me as delinquent despite me paying early every month plus additional for principle ; they were not crediting my account and as a result I have more interest and not less principle and could have had my credit hit for being late due to Their misapplication. 

After switching home owners insurances a couple times within 6 months, my escrow account was short due to payouts while we waited for refunds. Without notifying me, Amerisave applied some of my mortgage payments in full to escrow or taxes and noted my mortgage account as delinquent one month. Over the next 5 months I have had at least 8 recorded conversations with Amerisave about them misplacing a refund check they received directly, misapplying multiple checks ( Escrow refund applied to mortgage and my mortgage to Escrow, etc ), and failure to fully communicate with me about new shortages in Escrow somehow related ( after all these conversations, Im still unclear why there is a shortage despite full refunds being now applied to Escrow because every staffer had different ideas about why it MIGHT be ). I have lost hours on the phone with them in which each one ends with them telling me all has been fixed and we are square. Now they sent me a refund AND when I called to ask why, the answer is convoluted and they also say I owe about twice the refund they just sent me.

Yearly they up what I must pay and then also send me a refund within a month or two of the change. They are always confused. This practice seems illegal and distasteful at best.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Bread Financial Holdings, Inc.
State: CO
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:
I received an alert on from my credit monitoring that I have a past due account in the amount of {$480.00} through a Comenity/XXXX XXXX XXXX credit card that was opened under my name on XXXX XXXX XXXX. However, I never opened this account. 

I contacted the Comenity Fraud department, and they told me that there was indeed an account opened under my name. 

Comenity told me that they closed the account and marked it as fraud, and they recommended that I also open a report here. 

My credit score went from XXXX down to XXXX due to this fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26
Company: Franklin Credit Management Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a second mortgage with Franklin Credit Management in 2006. The home was illegally foreclosed on and charged off years ago. Now Franklin Credit Management just started reporting late payments on my credit again as if the account is re-opened. They just reported me 120 days late and dropped my scores. Franklin Credit Management also re-aged the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: American First Finance, 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: Their investigation did not fix an error on your report

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMER FST FIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of XXXX, I tried to make two ACH payments from my deposit account to Bank of America credit card accounts. I made an error entering the deposit account numbers, and the ACH payments were returned unpaid. I contacted BOA customer service and tried again to make these payments with an agent but accidentally made the same error. On my third try, I finally made the payments correctly, but BOA charged me {XXXX} in fees for my error anyway. I explained my error and asked BOA to waive the fees in XX/XX/XXXX. BOA was unable to address my request at that time " due to Covid staff shortages. '' In XX/XX/XXXX, I paid the {XXXX} annual fee on this credit card account, relying in good faith that BOA would accept my errors as mistakes, as they have done in the past, and reverse the fees when they got around to looking at my request. However, just a few weeks after paying the annual fee, BOA finally responded by mail and denied my request, refusing to credit the fees. I wrote back and even provided proof that the funds were available in my deposit account at the time, showing that the payments did not fail due to insufficient funds. 
On XX/XX/XXXX BOA responded by letter and again refused to refund the fees. By early XX/XX/XXXX I made the decision to close this credit card account because I was certainly not experiencing the customer attentiveness that was advertised as a cardholder benefit. I wrote BOA and asked them to close the account and refund my {XXXX} annual fee, along with my remaining rewards balance of {XXXX, for a total amount of {XXXX}. 
At this time BOA has closed this credit card account but has failed to return my funds in the amount {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 2023-02-16
Company: Coinbase, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
After months of losses in stock market, I read XXXX investment groups discussing investment strategies looking for something better. In them I read about XXXX XXXX making a big difference in several peoples portfolios. I clicked on his name to see about him, and days later got a pm asking if I had reached out to him. This was in early XXXX. Over the next two months I sent the remaining money from my XXXX account to places he instructed me to and began to see big returns. In reflection, I see many flags, but I was caught up in it completely. When I attempted to withdraw some I was told I had to pay 20 % commission ( {$10000.00} ) on the gains of {$60000.00}. 
After I paid almost all in four payments, I was told I had to pay it again but in one installment. I finally realized I had been scammed and filed reports with the FTC, FBI and Secret Service. I sent a letter per suggestion on FTC website to the bank, only to receive four letters stating they would refund the money sent with my debit card only if they can recover the funds. A lady from Secret Service is doing some things to try to catch him, but says not likely my money will be found because digital currency is hard to trace, even though I sent to her all transaction ids.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a reported address on my credit report that doesnt belong to me. 
The address reported is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I have never lived in California, and I have never even stepped foot in California. 
Therefore someone in California was fraudulently using my name and information to gain credit in California. 
Please remove the fraudulent address from my credit report. And find out if somebody used my information in California. 
You can contact me at XXXX 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