BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX credit card includes a person 's credit score in their monthly statement. I had an unexplained XXXX point drop in my credit score over the two months XXXX XXXX from XXXX to XXXX and no one can tell me why ( it stands at XXXX in XX/XX/XXXX ). See attached. 

XXXX card said the information is based on data from TransUnion. There has been no change in my credit card history, I have no loans or mortgages and I pay my balances in full every month which was confirmed by my credit report. My score has been in the XXXX for years so this unexplained drop is concerning. I would like to know why it happened so the problem can be fixed, but I have not been able to get any answers from TransUnion or XXXX. I recently retired at the end of XXXX and this unexplained drop occurred in XXXX. I hope that's just a coincidence as there were NO other factors to have caused this drop. 

XX/XX/XXXX - I obtained my free credit report from TransUnion which showed nothing unusual, all balances paid in full every month. All 12 creditors ( several accounts have been closed ) showing " ok '' for every month. There is nothing on the report to dispute, it's just the drop in my score which has no basis. 
XX/XX/XXXX - I called TransUnion 4 times. They transferred me back to the main number, then gave me the phone # for XXXX XXXX XXXX XXXX XXXX XXXX which only deals with XXXX scores, then transferred me to a " supervisor '' who told me I could get my score for {$.00} at XXXX which is just the free report and gave me the phone # for the same place. At the end of my last call, he did tell me that the number that XXXX card was showing for XXXX XXXX ( XXXX ) was incorrect, but would not tell me the correct number unless I paid {$10.00}. 
XX/XX/XXXX - called XXXX to let them know that the information they were providing about me was incorrect, but he did nothing more than refer me back to TransUnion and to tell me to check their website for further information on the score ( what's hurting and what's helping ) which I did. Their explanation said that there was " insufficient information about my installment loans. I HAVE NO LOANS. Apparently, I am being penalized for my lack of debt/loans ( see attached ).

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 2023-10-03
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a follow up call from XXXX on XX/XX/XXXX from the office of the president. XXXX did not offer a resolve to the intentional reporting of incorrect information and advised me to do another complaint with the information I now have to be attached to my previous complaint. 

My account STATEMENT always reflected a positive amount as a credit and not a debit. I now understand that the STATEMENT that is mailed or electronically delivered every month which gives an ACCOUNT SUMMARY as indicated on the bond portion of the payment coupon, is actually a dividend payment ( book entry security ) from securitizing my account through BARCLAYS BANK DELAWARE, to BARCLAYS XXXX XXXX XXXX, to BARCLAYS XXXX XXXX TRUST, XXXX XXXX XXXX XXXX as indenture trustee and BARCLAYS XXXX XXXX, the underwriter. It was not a BILL for me. 

The monthly BILL, STATEMENT that was mailed via PRESORTED first-class mail or emailed and presented to me as if I owed money, was actually a security and obligation of the issuer, BARCLAYS XXXX  XXXX TRUST from BARCLAYS BANK DELAWARE , the servicer and repurchasing party, BARCLAYS XXXX XXXX XXXX XXXX XXXX and another repurchasing party and XXXX XXXX XXXX XXXX XXXX XXXX trustee and securities intermediary. 

I was never late as the true obligation was BARCLAYS XXXXXXXX XXXX XXXX per the indenture agreement. I was actually defrauded out of securities and payments that were owed to me. The BOND portion of the STATEMENT which is actually a BOOK ENTRY security, should've been credited to me and the top portion processed properly through the bank, settling my account every month, for the full available credit ( allocated amount ) to be used again following Generally Accepted Accounting Principles. 

I am aware that there are two sides to the ledger. I am aware that there is a public side and a private side for every account that I have had with BARCLAYS BANK DELAWARE. I am also aware that although my account was closed on the public side, my account was and is still open on the private side being securitized. 

Not only have intentional violations of the Truth in Lending Act, the Fair Credit Billing Act, the Credit Card Accountability, Responsibility and Disclosure Act of 2009, the Electronic Funds Transfer Act, The Federal Trade Commision Act, the Securities Exchange act of 1934, the Trust Indenture Act of 1939 taken place, but securities fraud as well.

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 2023-12-17
Company: EQUIFAX, INC.
State: DC
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2023-07-07
Company: Experian Information Solutions 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:
This is my XXXX 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX BANK XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX & XXXX XXXX XXXX : {$5900.00} XXXX, XXXX XXXX Balance : {$260.00} XXXX XXXX & MO XXXX XXXX XXXX {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX CO Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/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 2023-02-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I've contacted Chase multiple times with zero resolution. They have tried to allege that they charged me interest for " not paying my balance in full '' when 99 % + of my balance was a 0 % interest balance transfer. I hardly ever made any purchases using this card and when I did, I paid them in full. Chase still charged me interest. Furthermore, on XXXX XXXX XXXX  I updated my auto-pay to my new bank details, but Chase still incorrectly tried to take payment from my old ( closed ) bank account. I contacted them on XX/XX/XXXX and spoke to XXXX. He said they had a system glitch and updated the system with the notes. The payment issue was resolved but it appears they then used THAT issue to continue charging me more fraudulent interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03
Company: U.S. BANCORP
State: IL
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:
on XX/XX/XXXX there was an inquiry from US Bank, that showed up on my XXXX credit report that was not from me and needs to be removed. 

on XX/XX/XXXX there was another inquiry from Hickory point Bank on my XXXX report that was not from me and it needs to be removed. 

I have not used nor have I applied for any new line 's of credit I called both banks and they said I had to contact XXXX credit agency so I did any they told me to contact this agency to get the inquiries removed

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 2023-12-06
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I already complained about this inquiry. 

I wanted to send you my copy of my Identity Theft report. 

This complaint is not a duplicate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
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, XXXX XXXX XXXX XXXXXXXX with XXXX XXXX has violated my rights. 

15 USC 168 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-01-24
Company: MOHELA
State: PA
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:
I am in the Public Service Loan Forgiveness Program ( PSLF ). My account is currently with Mohela. I had 4 loans. Two were forgiven in XXXX. They had different payment counts listed than my 2 remaining loans. This is wrong. The counts should have been the same. I had the same forms, same jobs, same dates in school. I worked in Public Service for 11 years. I should have 128 months. My forms were submitted by XXXX of last year and approved. I have 35 consecutive months of Forbearance and one month that is not consecutive, all of which should be counted toward PSLF. I have approved forms for each of these months. There are also missing months from my account that should be counted. I have filed 2 complaints with Students Aid, the last one was in XXXX, still no response. My remaining 2 loans should be forgiven. Every time I call I get a different answer and get told to wait 90 more days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: NV
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 have repeatedly emphasized the urgency of this matter. I am fully prepared to take decisive action. Given the lack of progress or any positive developments, I am left with no alternative but to escalate this case to arbitration. Despite my previous efforts to address this dispute, no resolution has been reached. The entire extent of my grievances remains unresolved. The investigation, which was supposed to be completed within 30 days according to the law, actually took 60 days. This delay is unacceptable, as anything beyond the mandated timeframe necessitates removal. I have already reached out to the XXXX XXXX XXXX, indicating my readiness to pursue arbitration against all relevant parties for the damages incurred.. Regrettably, I am unable to relocate due to the companies ' unlawful reporting of consumer credit transactions, which flagrantly violate my consumer rights, privacy, and consumer law. I am actively engaging with the state legislator regarding this issue. Despite my attempts to resolve the matter with all three credit reporting agencies, who continue to report these illegal consumer credit transactions, I am left with no choice but to initiate arbitration proceedings to seek compensation for the damages inflicted. I am seeking {$25000.00} for each damage caused to ensure the safety and well-being of myself and my children. The distressing nature of this situation has compelled me to seek counseling and various forms of assistance. It is imperative that these erroneous late payments be expeditiously removed from my records. 
These account are reporting fraud does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD MY PERSONAL INFORMATION WAS USED WITHOUT MY VERBAL OR WRITTEN CONSENT OR HAVE I GRANTED WRITTEN INSTRUCTIONS TO DO SO.I WOULD LIKE ALL INCORRECT INFORMATION REPORTING ON MY CONSUMERS REPORTS AND CREDIT AGENCYS TO BE REMOVED AND DELETED PERMANENTLY AND INDEFINITELY ASAP!!! BELOW ARE THE FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-17
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had my account overdrafted multiple times with small less than XXXX $ charges regardless of what overdraft setting I use in the settings. Ive called them every single time trying to get it reversed and to tell them to turn it off and just reject the payment and they continue to charge me XXXX dollars for not having XXXX dollars when a subscription renews.

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 2022-11-27
Company: EQUIFAX, INC.
State: NV
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX DEPT of Ed/XXXX, # XXXX Dept of Ed/XXXX, # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX, # # # # # # XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX, # XXXX Dept of EdXXXX XXXX XXXX XXXX Dept of Ed/XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX Dept of EdXXXX  # XXXX Dept of EdXXXX, # XXXX Dept of EdXXXX XXXX # XXXX Dept of Ed/XXXX # XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: FORD MOTOR CREDIT CO.
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The company are fraudulently and consistently and willingly and willfully trying to collect fraudulently, Without first-hand knowledge they have sent a letter stating notice of hearing motion for summary judgment for {$41000.00} on XX/XX/2023 now for this amount of money that they're requesting a summary judgment on at the time of receiving the letter I fear for my life being that amount of money is a XXXX XXXX, Because if there's no one there at the hearing they automatically win XXXX so therefore I fear for my life, and after they XXXX XXXX XXXX they will be successful and winning so I truly fear for my life and my family members lives they are going to any extent to try to collect credits from the United States at whatever cost as I have tried to resolve in good faith with them over and over and over they have ignored everything and anything that I have presented in good faith. They also don't have any firsthand knowledge they are just trying to XXXX XXXX XXXX So I really do fear for my lies for they have tried multiple* attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previously disputed account through CFPB reference # XXXX asking to verify or delete. Results came back with a bill statement, this is not verification it does not show my signature nor proves account is mine. Account was previously reporting with XXXX at the time of complaint with CFPB. XXXX and XXXX had already deleted now XXXX has deleted and XXXX and XXXX are reporting again. 

Reporting inaccurate stating account open with XXXX while XXXX reports closed status. XXXX is stating open while in collection and derogatory all at the same time. Both bureaus report dispute status as account not disputed yet show remarks of dispute resolved customer disagree. 

I do not recall having this account open and Portfolio RC has not verified debt being claimed. 

Account is a mistake itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-19
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX has had an incorrect Reported debt on my credit report for over 7 years which has been deemed unrecoverable unremovable and I have actually paid the debt off And it is still reported on my Credit reported

Company response to consumer: Closed with explanation