BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
All three agencies ( XXXX, XXXX, and TransUnion ), are reporting inaccurate information on my reporting accounts that I disputed and mailed on XX/XX/2023, and in pursuant to FDCPA & FCRA Section 15 USC 1681 ( a ) ( b ) USC 6802 ( b ). I want these inaccurate accounts deleted immediately from my reports. 2 Collections ( XXXX XXXX XXXX XXXX XXXX XXXX ), 2 Closed accounts of 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 2022-02-24
Company: EQUIFAX, INC.
State: CA
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 Account # XXXX, # 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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XX/XX/2021 I filed disputes with the all 3 bureaus and now it almost two months later and NOTHING!!!!! ... The disputes were for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. WHy is this taking so long to fix their mistake in reporting. I know they are supposed to send me response within 30 days and it been way over 30 days. I want this fix

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 2022-02-24
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-15
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXXXXXX 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 2016-08-24
Company: Weinman Acquisition Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This company keeps calling me about a loan that is not lying over 2 years ago I 've asked him to produce documentation about this but you go along and make sure this they have not yet company keeps calling me about a loan that is not mine over 2 years ago of asked him to produce documentation about this but you alone and they to this day have not yet and they keep calling leaving nasty messages threatening to XXXX jail soon me they calm every once house

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In Accordance with Fair Credit Reporting Act Comenity Bank has violated my rights for the below accounts 1. ) Comenity Bank/LNBRYANT Account number XXXX Date opened XX/XX/XXXX XXXX. ) Comenity Bank/NY & CO Account number XXXX Date opened XX/XX/XXXX XXXX. ) Comenity Bank/VICTORIA Account number XXXX Date opened XX/XX/XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A. 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 2017-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX I went into Bank Of America located on XXXX in XXXX Texas to open a savings account. While pulling up the computer screen then associate told me that I had an invite to open up another credit card account with Bank Of America. After completing the paper work for my savings account she filled out an application for me for another credit card. I was denied! I found it very strange because Bank of America had been sending this invite to me very frequently since last year. After returning home I decided to call the bank and ask them to review application and asked them why I was declined! The representative told me to wait until my decline letter came in the mail. At that point, I asked to speak to a supervisor. The supervisor told me that I was denied because I had XXXX account that were sold in XX/XX/XXXX. I told him that I only had XXXX account with Bank Of America in XX/XX/XXXX that my lawyer took care of when I filed bankruptcy. I told them that was not fair because I cleared up my credit and it is in good standing. He said how do you know, I told him that I check my credit report frequently. So after going back and forth he decided to connect with their review department. I spoke with someone in their review department and told them that I only had XXXX account with Bank Of America in XX/XX/XXXX which was taken care of by my attorney when I filed bankruptcy. Also. I asked her for the copies. She said that she did n't have the application or the reports on the accounts because they were sold off. She also told me since they were sold off that that was not a reason for them to deny me credit. With this being said, I believe Bank Of America denied me credit based on false incorrect information. This is against the law according to the Fair Credit Act, The Consumer Act, and Unfair Business Practices!

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 2023-04-17
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please 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 2023-02-23
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized loan services asking me to pay down payment for XXXX XXXX dollars which I dont have that money.

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 2017-05-11
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was attending school at   XXXX   XXXX   XXXX  , when they abruptly closed in    XXXX   XXXX     . I have tried contacting the lender and third party lender about the situation. I never completed my program of study, nor received any credits from the year I was attending school. All they can tell me is that since it 's a private loan, there 's nothing they can do. While attending, I made payments towards the loans. I have  XXXX  loans opened in my name when I should have only had  XXXX . So now I 'm stuck with about {$15000.00} debt for something I will never see. It is very discouraging and I have n't had a chance to even start school anywhere else yet because I 'm still dealing with this problem. I 'm almost   XXXX   XXXX   XXXX   and I can not have this. It 's hard enough knowing that I might have to be a   XXXX   for the rest of my life. I really wish someone could help me instead of transferring me to someone who might be able to help or giving me another number to call that does n't even pan out. I 'm at the end of my rope. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: WI
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:
ORIGINAL COMPLAINT : XXXX DID NOT FIX MORTGAGE XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
these inquiries appeared on my report on theses dates that i know nothing about. 
XXXXXXXX XXXX XXXXXXXX XX/XX/2023, XXXX  XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXXXX/XX/2023, XXXX XXXX XXXX XXXX XXXXXX/XX/2023, XXXX XXXX XXXX XXXX  XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 2023-07-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I made two payments on line to pay off my second lien. I selected the only option for final payment that it would allow. When I saw I still had a balance owed after the first attempt, I called Citizens directly and spoke to a customer service rep to confirm I was paying the right amount. They confirmed and I made the second payment. About three months later I get a letter saying my mortgage is past due and I owe another {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: CA
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 XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX 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 a 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 explanation
Consumer complaint received 2017-01-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX or XX/XX/XXXX of last year I called in to HSBC to set my account up on automatic payment. The representative stated that is something she could n't do over the phone and I would have to go onto the website to print and sign the form and mail it back in. She indicated that it would take some time to be entered into the system and she would " schedule '' payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX arrived and since I had n't printed, signed, and mailed off the form I then mailed a check in, since I was told I was n't on automatic payment and I had n't submitted the form. However on XX/XX/XXXX, I check my bank statement and see that my account is in the negative. It 's negative XXXX HSBC took out XXXX payments for the month of XX/XX/XXXX. I called in and was directed to the account rep over my account, I left her a voicemail. I called in again and tried to speak with someone else, but the rep indicated the the person on my account was the only person that could help. I called in again and explain my case to another rep. since I have n't heard back from the person over my account. This rep. decided to help me, he indicated that he could see double payment on my account but I would still need to fax in proof of double payment and wait. He indicated that they would give me my money right back and the process should take XXXX days. I got off the phone with and and faxed over the requested documents. The representative of my account called me back and she stated she heard my voicemail and reviewed the notes from the previous rep and asked if I had any more questions. I asked what are the next steps. She said the team would review and determine whether they should approve or decline my case. She indicated in cases where it 's been the customers fault they would normally decline to return the money. I told her that 's not what the previous rep told me and I had no clue I was on ez pay. She indicated I could submit a letter to customer resolutions but there is nothing else she could do. So, I 've made my decisions based off false information given to me by representatives of HSBC, but yet I 'm responsible for the consequences? How fair is this? My account is overdrawn nearly {$1000.00} and I 'm suppose to be ok with this??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I fully paid for a flight using points earned via my Citi Prestige card which was delayed by over 5 hours. The benefit of the card states that " If a Covered Traveler 's Trip on a Common Carrier is delayed for at least 3 hours, we may reimburse you for expenses incurred because of the delay. '' Additionally, the benefit states that " This benefit covers [ Lodging, meals ... ], as long as they are reasonable and necessary for the Covered Traveler to incur during the delay. '' The claim center admitted that my claim was legitimate, as evidenced by the attached e-mail stating that a portion of the claimed amount was legitimate. However, in speaking with them over the phone, two parts of my claim were denied, which were legitimate. The first was a tip on a meal eaten while delayed in XXXX. The meal was reimbursed, but not the tip. However, in our society, tips are de facto necessary, since if no one tipped, the wait staff would be paid under minimum wage, which is illegal. Therefore, paying tip on the meal was necessary and reasonable during our delay, and should therefore be covered by the trip delay coverage ( The receipt of this meal is attached ). Second, we had a reserved hotel for the night of XX/XX/2016 on XXXX, which requires a water ferry and a taxi from the airport to reach. As a result of the delay, we were unable to reach the hotel in time and had to forfeit our hotel for the first night, which carried a cost of over {$500.00} ( initial reservation and cancellation receipt attached ). This expense was necessarily incurred as a direct result of our delay, and reserving a roof over one 's head is a reasonable expense, and should therefore be covered by the trip delay protection as written.

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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
Company: Experian Information Solutions Inc.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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