BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: Experian Information Solutions Inc.
State: NY
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:
There is an error on my credit report stating that in XX/XX/2020, we were 30 days late paying our mortgage. I have supplied the credit bureaus, especially Experian, with the correct information. I even supplied a letter from the mortgage company stating it was their error and we were never late. This has taken more than 4 months and several disputes & is never corrected. I have spoke, to the mortgage company & they have stated that they submitted the correct information to all credit bureaus, yet nothing has 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Bankruptcy Case Number : XXXX Delete this account. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX Account Number : XXXX Delete this account. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 
11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 13 XXXX 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete 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 non-monetary relief
Consumer complaint received 2023-08-13
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX... My ex business partners opened this card in my name fraudulently to get funding for XXXX XXXX XXXX. They defaulted on our agreement which makes it fraudulent. I took them to court and they defaulted on the court order! I talked to the creditor and all 3 credit agencies to remove it from my credit reports but they all said it wasn't fraud and it stayed on my reports even with evidence of my court case against them? My ex business partners ruined my credit and this was 1 of 4 credit cards that they opened in my name fraudulently.

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 2019-09-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 I made a mortgage payment to XXXX XXXX Loans. I did not realize that XXXX XXXX Loans was the new servicer. XXXX XXXX Loans did not forward my payment to XXXX XXXX Loans until XX/XX/2019. By that time my loan was sold to XXXX. XXXX began servicing the loan on XX/XX/2019. I have reached out to all three companies repeatedly for several months ( via phone and email ) and provided proof of payment but no one has been able to get my payment recorded properly. I am XXXX XXXX military ( XXXX XXXX ) and currently on temporary duty assignment away from home. I should not have to continue to reach out to these companies with no resolution. I would like my credit report fixed and any late fees/interest credited to my loan. I believe all three companies are in violation of RESPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TD BANK US HOLDING COMPANY
State: GA
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:
TD AUTO FINANCE it appears that you have turned Acct XXXX on my credit report into a charge off, but I never received the 1099. Can you be so kind to send me a 1099 for this actual item that has charged off due to my financial hardship?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

1 5 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. 1 681s-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 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently checked my credit report, and noticed there were multiple reports of delinquency on an account. The account noted there were 9 missed payments. All of my current loans ( student, and auto ) are set up on auto pay- so I know this was something I was unaware of. The account provided a phone number, and I called this number and found out it was a Perkins Loan offered by XXXX University. I called the Bursar 's Office, and they provided me with the account information. The incorrect information was as follows : Notices were being mailed to incorrect address ( House my family moved out of over 5 years ago ), Incorrect phone number to contact ( Not even close to my current phone number, nor anyone in my family ). I have access to my university email, and there was no email sent requesting payment, loan info, account info, etc. Had I not checked my credit report, I would not have found this error and continued to miss payments. XXXX University has had all of my current information on file ( Billing purposes, for student personal documentation/ etc. ) but has not updated my loan information. This has caused myself to become behind on these payments, which has resulted in a negative affect on my credit score

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 2023-10-10
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: BARCLAYS BANK DELAWARE
State: WA
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:
I have a credit card from Barclays Bank and have maintained this account in good standing since XXXX. 

However, entirely because of Barclays repeated failure to follow its stated policies and stand behind what its representative assured me by phone would happen, I have been charged {$59.00} in fees plus interest of {$47.00}. 

Twice, I wrote to the company with the details, and both times the response has been a form letter essentially suggesting that nobody cares. 

On XX/XX/XXXX, I mailed a check for {$5200.00} to Barclays which more than covered my balance, due 13 days later, on XX/XX/XXXX. On XX/XX/XXXX, Barclays received my check. 
Barclays did not present the check to my bank. 
Barclays did not credit the payment to my account. 
Barclays did not give its own relationship managers any way to know that it had received this check. 

On XX/XX/XXXX when I noticed my payment was not credited, I called and talked to Barclays Relationship Manager XXXX. He advised me to stop payment on my check, which apparently had been lost in the mail. He told me that if the check somehow were presented to my bank and returned, Barclays would waive any fee for that. 

On XX/XX/XXXX, I still had no way to know that 16 days earlier, Barclays had received my check. I determined that it had not been presented to my bank, and I instructed my bank to stop payment. This is what Barclays had instructed me to do, and XXXX charged me {$30.00}. 

Later that same day, I spoke to another Barclays Relationship XXXX, XXXX, who told me the check had been credited to my account the previous day. She also told me that Barclays had begun trying to verify the check on XX/XX/XXXX. 

On XX/XX/XXXX, I wrote a detailed letter to Barclays following the instructions for doing so that are printed every month on my statement. In return I received a form letter stating : We are currently unable to complete your request. The letter instructed me to call customer service. 

I did so and spoke with still another Barclays Relationship Manager who told me the {$29.00} returned payment fee was valid and could not be waived. 

On XX/XX/XXXX, Barclays charged my account {$47.00} for interest charge on purchases even though my account had been fully current since XX/XX/XXXX. ( One month earlier, on XX/XX/XXXX, Barclays charged me {$130.00} interest. Later, without any explanation, Barclays reversed that charge. ) I have tried to resolve this by letter and by telephone, without success. The problem was entirely caused by Barclays, not 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 monetary relief
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to consumer law, FCRA 15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( 1 ( A ) must provide accurate information and yall job to prohibit information with actual knowledge of errors and ( B ) keep reporting information after notice and confirmation of errors. IT MUST BE DELETED According to consumer law, FCRA 15 U.S. Code 1681i ( 5 ) Procedure in case of disputed accuracy. If a credit report has inaccurate, incomplete, or unverifiable information then it must be removed from my credit report. 

This is a federal unethical practice which can lead to a litigation according to 15 US Code S 1681n Civil Liability for willful noncompliance. {$1000.00} per violation, you know the law. 

Account : Macys XXXX Violation 1 How is it that this account is updated in XXXX but the account closed XX/XX/XXXX? 
Violation 2 How is it that the last payment made was XX/XX/XXXX but the account closed XX/XX/XXXX? 
Violation 3 How can the maximum delinquency be XX/XX/XXXX and XX/XX/XXXX and not within the timeframe the account was open? So I can be deemed late after an account closure in XX/XX/XXXX? 

I have proof of all the errors. Other bureaus have deleted this information because it was inaccurate, incomplete, and unverifiable.

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 2022-11-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting Act. These creditors Have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX Under 15 USC 1681 section 602 : States i Have the right to privacy .

Under 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 any purpose.

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 2023-03-21
Company: CL Holdings LLC
State: PA
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:
This debt is from about 10 years ago. Jefferson Capital is not being accurate with the date the account was opened. XXXX XXXX has already removed the original account from my credit report and Jefferson Capital is misrepresenting dates and amounts that should no longer be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Big City Finance, LLLP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
you can not pay this loan off early to avoid extra charges. on XX/XX/19 I tried to pay mu balance of {$340.00}, it will not let me. the only payment option day is XX/XX/19 with added fees bringing the balance to {$470.00}. this is making me pay an extra {$120.00} in fees this should not be legal that they can only accept payment on their terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: AMERICAN EXPRESS COMPANY
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Amex closed this accounts during XXXX XXXX and despite the legal harassment, I went ahead and did more than a settlement asking the legal team to delete these account from the reporting as they were a third party, this did not happen and for the next XXXX years whenever i dispute these account Amex in their history put it as a fresh charge off .I am attaching images of XXXX, XXXX and XXXX where the historic data clearly shows as a XXXX and XX/XX/2023 charge off, whenever i apply for a credit card or loan, this shows as recently delinquent account instead on XXXXThis is just not acceptable hence raising a serious complaint to CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I have contacted Equifax in writing TWELVE TIMES regarding an Incorrect Account they are reporting on my Credit file. I mailed them a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request a re-investigation for an account they are reporting as Account # XXXX with a creditor named XXXX. They have NEVER responded to me or mailed me any results of their investigation and nothing has changed on my credit report. The information they are reporting is WRONG and they refuse to correct it. They are not even providing me with the contact information for this creditor on my credit report and I have no way to contact the company they allege I owe. That is illegal and a very clear violation of my rights. This debt obviously is not able to be verified and I am DEMANDING that Equifax immediately DELETE Account # XXXX with XXXX from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We sent ( via USPS Certified Mail, Receipt Requested ) a check for {$5800.00} to Synchrony Bank on XXXX XXXX, 2023 to pay in full the balance on Plan XXXX. 

An attached letter was enclosed with specific instructions to apply the payment to XXXX XXXX. It is also clearly marked on the check to apply the entire amount to payoff XXXX XXXX 

Synchrony Bank did not applied the full amount to payoff XXXX XXXX  as directed in the letter and on the check. Synchrony willfully and purposely applied {$1100.00} to XXXX XXXX 

Regarding XXXX XXXXXXXX, we are currently disputing the interest and fees that Synchrony is charging us for XXXX XXXX, see CFPB XXXX XXXX. As of today, I have left 3 detailed telephone messages to the Synchrony representative that responded to this case. I have not received a return telephone call. 

It is a little hard to ascertain, but it apprears that Synchrony has previously applied monthly payments {$160.00} for the months of XXXX and XXXX 2023 to XXXX XXXXXXXX instead of applying to XXXX XXXX as instructed in the letter and on the check..

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 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In XX/XX/XXXX and XX/XX/XXXX, XXXX functioning as XXXX XXXX credit card Number XXXX reported past due amounts. It occurred because I had changed my bank. Before these dates, I tried to arrange a payment from my new bank. I called the number on the credit card to change the bank routing number and account number. I thought I was successful. When I received another notice from the collections department, I called again. I was successful in changing the bank routing number and account number. I don't recall whether I changed it online or over the phone. After I explained the situation, I asked if the late payments has been reported to a credit reporting agency, they had. I asked if they would reverse the report, they were completely uncooperative. I then instructed them to close the account. Recently I requested a credit report from Trans Union. I noted the late payments in the referenced month. I decided to contact your organization to file a complaint

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 2023-07-18
Company: EQUIFAX, INC.
State: FL
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 have attached a letter from my attorney and an FTC report with the account in questions, this XXXX XXXX XXXX XXXX  account is in litigation and needs to be deleted from all three of my credit reports

Company response to consumer: Closed with non-monetary relief