BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a loan on my credit report and one that they keep trying to charge me for when I paid off all my loans in XXXX of XXXX When I took these I asked them if these are all the loans on mine and my co-signers account and they confirmed it was. Now currently they are saying I have one loan still on my account. But it doesnt appear on my co-signers account and at the time I was an unemployed college student with a low credit I would have never been approved for a XXXX dollar loan with out the co-signer. They keep harassing me and my co-signer. We refinance all the loans in XXXX of XXXX back when interest rates were low. But now with them high its just unacceptable. Ive tried to resolve this with the company but they are hostile and hard to work with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX - Made a purchase at local XXXX store and charged to my XXXX store charge card ( Comenity ) = {$130.00} XX/XX/XXXX - send check payment of {$130.00} from XXXX XXXX checking bill pay ( confirmation attached ) XX/XX/XXXX - received XXXX credit card statement showing no payment made and besides {$130.00} balance, a late fee is also now owed. 
XX/XX/XXXX - signed into XXXX credit card portal system and message them to say I paid the bill in full on XX/XX/XXXX and attached bank payment confirmation. 
XX/XX/XXXX - portal response from Comenity that they are looking into it. 
XX/XX/XXXX - receive another XXXX credit card statement showing no payments made and more fees added, so I called the credit card company and the representative tells me it will take time for them to look into it but rest assured I will not be sent to collections, so be patient. I told the rep that my Maurices credit card had been updated recently and I thought I might have sent my payment with my old account number on it, but they said that wouldn't be a problem as I had been a long time customer and they'd find that in the investigation. I also message in the portal and again am told they are looking into it. 
XX/XX/XXXX - still receiving monthly statements showing no payment so I call again and am told a representative in that area is not available and to please call back at a later time. I also message in the portal and again receive a response that they are looking into it. 
XX/XX/XXXX All of the sudden I am getting calls from the credit card company multiple times a day urging me to pay my overdue bill. I talk to the caller and they tell me the investigation is in a different area than he works in and he can't help me. 
XX/XX/XXXX I receive a letter from the credit card company asking for electronic transmittal inquiry form from my bank. 
XX/XX/XXXX I sent the proof of payment from XXXX XXXX to the Comenity through the portal. 
XX/XX/XXXX XXXX in the portal saying they are looking into it. 
XX/XX/XXXX Received yet another statement still showing no payment so I messaged again through portal. 
XX/XX/XXXX Response in the portal saying they are looking into it. 
XX/XX/XXXX Received a letter in the portal saying they never received the payment. 

I just keep going back and forth between these companies, but XXXX XXXX took the money from my account and provided the proof of payment, so I think it is Comenity 's issue that they accepted the funds but are not crediting my account for them. I'm at a loss as how to prove any other way that they have the funds and did in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the Fair Credit Reporting act Equifax 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 2023-12-16
Company: EQUIFAX, 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX do 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Ive contacted XXXX several times and they agreed to actually remove all the verified information that I provided to them and it was not matched with my true identity and information Therefore it was fraud so Ive submitted to them and FTC report along with the police report which they agreed to remove the account, the account was removed in XXXX however it was put it right back on my credit report as of current date I would like to get it removed soon as possible from all credit bureaus because this account is fraudulent activity that was not authorized by me.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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:
All my Federal Student Loans ( XXXX ) were XXXX through the Total Permanent XXXX unit at XXXX on XX/XX/2023. The adverse accounts were all removed from all XXXX bureaus almost immediately following discharge. 

On XXXX XXXX XXXX, all the accounts have reappeared showing me in XXXX day default, and my scores dropped massively.

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 2022-12-24
Company: CITIBANK, N.A.
State: VA
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: Overcharged for something you did purchase with the card

Complaint:
I rented a car from XXXX XXXX between XXXX and they claimed that I was responsible for damage to the windshield. In the process, XXXX overcharged me on XXXX occasions : XXXX. The first time was during the checkout process. Attached is the receipt showing the charge breakdown which results in a XXXX euro overcharge. File name XXXX. 

XXXX. Also attached is the repair invoice from XXXX ( file name XXXX ) showing the cost of repair was XXXX euros for a total of XXXX euros with tax. 

XXXX charged me XXXX euros for a total of XXXX euros with tax. This means there was an additional overcharge of XXXX euros. 


Total : XXXX + XXXX = XXXX euro overcharge. 

I've disputed this multiple times with Citi through their website/app ; however, they have not done anything. They perform their investigation and then just respond by saying that I am responsible without really providing evidence or details. They also stated that overcharging is not considered fraud and hence they are not responsible for resolving the issue.

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 2022-06-03
Company: EQUIFAX, INC.
State: NH
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 XXXX XXXX XXXX XXXX, PA XXXX In accordance with the Fair Credit Reporting act, XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 XXXX XXXX XXXX XXXX, PA XXXX In accordance with the Fair Credit Reporting act, XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Bonneville Billing and Collections
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My complaint is with Bonneville Collections Agency Inc at XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, ID XXXX. On two occasions this year, on being today XX/XX/XXXX @ approximately XXXX pm XXXX, I was threatened with legal action for refusing to give my employment information when I called to make a payment on the accounts the agency holds with my name on them. The representative who threatened me went by the name of XXXX, whom stated, " If you do not give us your employment information we will not set up arrangements with you and we will give the accounts to our attorneys who will take legal action. '' I made the payment with XXXX over the phone using my XXXX XXXX Card and ended the call. I called back and escalated to a supervisor who told me his name was XXXX, and he apologized for his employees conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are unauthorized inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit 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:
a fraudulent XXXX credit card was opened in my name and charged many items. 

i never applied or authorized 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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-09-13
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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Transunion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below XXXX XXXX ( Finance ) XX/XX/XXXX TEACHERS FCU ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XXXX be remove because According to XXXX XXXX XXXX : I have the right to privacy and I did not give XXXX written permission XXXX furnish these 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 2023-01-05
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I previously had COMPLAINT ID : XXXX, SUBMITTED ON XX/XX/XXXX. 

Carmax stated that it had rectified the issue, and it appeared that it had. Yet, twice more, the problem occurred. The problem is the removal and seemingly automatic readdition of gap insurance and some maintenance plan. I don't understand how it can automatically be re-added, yet, it keeps happening, which takes my account from being in good standing, to seriously delinquent overnight. 

In XXXX, as I was assured that it was really fixed this time, I requested a payment extension to XXXX. On XX/XX/XXXX, I made that payment approximately ten days before it was due. When I attempted to make the XXXX payment, I couldn't online. When I called in, I was informed that the account had been charged off!!! I again spoke to the manager, XXXX XXXX, who had previously assisted me. He was as shocked as I was on the current status and began the process to get this rectified again. 

Yesterday, XX/XX/XXXX, I discovered that Carmax had updated my credit report with this invalid information, causing me to possibly lose the home I'd been preparing to get since early XX/XX/XXXX. This issue has caused hardship for my family and me as our lease ends at the end of this month, and we have nowhere else to go. 

At this time, Carmax can't be trusted to do as it says it will do. I heap accolades on XXXX XXXX for attempting to resolve this permanently for me, yet, at this time, I feel that only government and corporate-level intervention can fix this. And it may be too late for my family and me as our housing is now in crisis.

Company response to consumer: Closed with monetary relief