BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I received my credit report on XXXXXXXX  and noticed it was hard inquiries that do not have permissible purposes to be on there these hard inquiries are hurting me from getting approved I already reached out to the credit bureau about this multiple times and they keep violating my rights 15 usc 1681 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 non-monetary relief
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

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 2021-05-10
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I was approved for a credit card XX/XX/2021. As of XX/XX/2021 I have not received the card. There is a 3 month promotion to get XXXX if I spend XXXX in 3 months. Now I have lost a month. 

THIS IS A BATI and Defrauds scheme. Reduce the time people have to act on a promotion so it is near impossible to qualify for the promotion. 

Citi would not take my lost card claim. They insist I wait. The is a criminal activity.

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 2018-10-09
Company: GREAT LAKES
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX : XXXX Contact Information ( XXXX ) XXXX XXXX Great Lakes XXXX is double charging me on interest and the total amount of {$8100.00} consolidated loan Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$8100.00} In repayment This loan was consolidated already on XX/XX/XXXX with Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$62000.00} In repayment I have contacted this loan servicer and discussed the issue of them not paying off and ( continuing to charge me interest ) the {$8100.00} that is already included in the {$62000.00} consolidated loan. They explained to me that this was a computer glitch and they would clear it up by XX/XX/XXXX. They are very aware on their system not showing this already paid off consolidated loan. They have left the balance of {$8100.00} on my account with a payment date due on XX/XX/XXXX and this balance is already included with the {$62000.00} loan. They Great Lakes refuse to take off or show that the {$8100.00} loan is paid in full within the {$62000.00} loan. Therefore, this loan servicer is double charging me for the consolidated paid off loan and will not remove or show that this smaller loan is paid in full. They assured me that this issue would cleared up because of their known computer glitch system that affect many of their customers. This loan servicer is also not updating and reporting my account to the credit bureaus correctly. 

I recently took out a another student loan in XX/XX/XXXX U.S. DEPARTMENT OF Stafford Loans EDUCATION ( XXXX ) Balance {$6700.00}. This loan is not what I am making a complaint about it is this loan ( Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$8100.00} In repayment ) In school until XX/XX/XXXX These are the correct balances before the XX/XX/XXXX consolidation. This does not include the new XX/XX/XXXX2018 Stafford loan. 
Overview Balance {$54000.00} Highest Balance {$55000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 7 yrs, 3 mos ) Overview Balance {$8100.00} Highest Balance {$6600.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 7 mos )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Upgrade, Inc.
State: VA
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:
This company Upgrade Inc has done nothing to help me with a fraudulent loan account put in my name. The unauthorized loan account opened up on XX/XX/23 amount initially shown was {$4000.00} but after looking at my credit reports its shown as a reported balance of XXXX that I did not authorize and neither did I know about. 2 miscellaneous payments of {$210.00} were made on the account on XX/XX/23 - XX/XX/23. After receiving mail from the company, I contacted the company letting them know of identity theft and they responded but were not very helpful, they concluded with its your name and information on the account and based off that, thats what we have to go off of. I provided bank and credit card documents to them as they requested but they still continued to give me negative feedback and saying its not sufficient enough. At this point I dont know what else to do, my credit score is dropping and this isnt my debt, neither was any of my bank accounts used to pay the miscellaneous payments to the account. Recently that sent a letter saying that since I have not been cooperating that by this XXXX it will be fully delinquent and nothing will be able to be resolved from their end. Im reaching out to Consumer Financial Protection Bureau to get some assistance on this matter, Im tired of stressing on this matter, its affecting my life and I dont feel safe, on top of that none of this is right. I did my part with providing documents and informing the company I never even heard of them, never done business with them before and Ive locked all my credit information down to prevent anymore of this insufficient data from being used. Im asking for a resolution on this matter asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Enhanced recovery compan keep calling me from multiple number about a XXXX XXXX account of {$690.00} that I see on my credit report but I do not have any knowledge of this account. I would like for this company to prove a contract with me if not I would like for this debt to be removed and for them to stop calling me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX  failed to give me proper validation of this debt. 

I mailed XXXX XXXX a debt validation request on DATE certified mail # 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 explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

The letters are stated with items and issues.

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 2022-04-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CITI has violated several provisions of REG Z and the Fair Credit Billing Practices Act by closing my account despite the following : 1. ) Several Billing Disputes Remain Open which prevent card issuers from closing an account while investigating.

2. ) I was the victim of Identity Theft and notified CITI.

3. ) Due to the Identity Theft the bank I was to debit my credit card payment to CITI was closed for security, preventing my payment is processed. This was a secure closure to protect my information and funds. Which CITI was aware of.

4. ) CITI took adverse action based on information resulting from documented and reported identity theft.

5. ) CITI employed deceptive practices as upon initially learning my account had been closed, CITI employees stated they were unsure why. But claimed my account would be re-opened as soon as I made the payment which was returned. I can provide the call logs, or transcripts should CITI require them.

6. ) CITI refused to re-open my account as previously stated.

7. ) CITI further violated DTPA by initially sending me a letter stating my account was closed as I had requested. Which I did not.

8. ) CITI employees were unsure why the account was actually closed.

9. ) CITI sent a letter stating my account was closed due to a single missed or returned payment. This is not typical behavior CITI demonstrates with the majority of their cardholders. Especially as I had never missed a payment before and paid my balance in full every month.

10. ) The letter sent by CITI states my account was closed as a result of the Identity Theft, which required my account to be closed for security reasons prior to the payment clearing. Which adverse action is based on Identity Theft.

11. ) CITI 's response to my request for my account to be re-opened was met with a response stating they were unable to reopen my account and unable to explain why. Which is illegal as I requested a detailed explanation.

12. ) CITI has begun closing out my billing disputes without investigating them or following their legal obligations per the member agreement, FCBPA, and VISA billing dispute guide. 

I have offered to send CITI my FTC affidavit, as well as the police report, and any other evidence needed proving the identity theft, which they have not wanted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

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

According to the Fair Credit Reporting Act, 605 Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years I have requested Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. XXXX  XXXX Bankruptcy - XXXX # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: PA
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. 

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 15 U.S.C 1681 section 602 A. States I have a 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 instruction.

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 and 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 explanation
Consumer complaint received 2021-05-19
Company: AMA Advisors, LLC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Homebrige transferred account to XXXX XXXX. Homebridge is reporting account is closed. I did no close this account. I should no be penalized with the lost of 79 points on my credit profile XXXX XXXX XXXX XXXX This transfer has left a negative status on my credit profile and is hurting my future credit opportunities and has kept my score in the negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions 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 am writing to bring to your attention a matter of utmost importance regarding my credit report. As a responsible and diligent consumer, I have recently issued a properly written check to XXXX XXXX XXXX XXXX XXXX XXXX ), hereinafter referred to as the payee, to fulfill my financial obligations as outlined in our agreement. It has come to my attention that the aforementioned account is still reflecting on my Experian credit report, despite the fact that the check has been processed and the payer must honor the terms of our agreement. Experian confirms they have completed two investigations for this account. No forms or methods of verification have been issued. Experian refuses to open a new dispute without additional evidence. I have provided evidence in the form of the legal contract ( check ) and bank statement reflecting the check processed. Experian has conducted two investigations within a 72-hour time frame, which means a thorough investigation was not conducted!! 

I want to emphasize that the XXXX XXXX XXXX ( XXXX  ), which has been adopted in the state of Florida and throughout the United States, designates checks as legally binding documents when properly executed. As such, the payee is obligated to honor the check as a means of payment, and any associated obligations or debts should be considered satisfied. 

The XXXX clearly establishes the legal validity of checks, and it is crucial that you uphold the principles outlined in this widely recognized code. Failing to do so not only violates my rights as a consumer but also undermines the integrity of the credit reporting system.

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 2023-07-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to report an incident of identity theft that I recently discovered. I believe my personal information has been compromised and used fraudulently without my consent. I am seeking your assistance and guidance in addressing this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please be advised this is has been my multiple attempt to fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT all information which can not be verified. 

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 explanation
Consumer complaint received 2023-09-22
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I sent a message to MOHELA requesting correction of the number of qualfying loan payments for PSLF on XX/XX/2023. MOHELA ask me to submit a new PSLF application with my employer which I have done so promptly. 
On XX/XX/2023, I requested follow-up on the processing of my application, as my qualifying payments are still not showing correctly. They said to allow 5 business days to process. 
On XX/XX/2023, the changes are still not corrected, and I followed-up again, they said to allow another 5 business days to process. 
On XX/XX/2023, the changes are still not corrected 111 days later ( giving them +106 days to correct my payments ), and they have not done so and did not reply back. 
On XX/XX/2023, I notified MOHELA that I am filing a complaint with CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 fraudulent accounts and Inquiries on my credit report. 

inquiries 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

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