BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-06
Company: Bread Financial 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: Account status incorrect

Complaint:
This is in regards to 2 accounts that I have with XXXX   XXXX. One account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX  and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX   account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX lowered my credit limit on my XXXX XXXX account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed. 
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

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 2022-04-29
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2014 XXXX cell phones were sent to me, that I had not requested from XXXX. They did not allow mw to return these XXXX phones and wanted payment, which I said was not going to happen. They started a collection process in 2014, and I never paid a single thing to them on this account, and it was a constant harassment process from the collection agency, Jefferson Capital. Recently they fraudulently started another attempt to collect a debt from me on this old account which has been eight years from the first attempt, trying to make it appear as a new collection when in fact its more than eight years old. I have correspondence from those old collection efforts and I never paid a thing, because I never requested the phones in the first place. I still have the unused phones and XXXX willing to return them, but have no idea how to do so. 
Let me be clear the phones were never activated or turned on, they are still in the original boxes. Trying to regurgitate an old account as new should be criminal. 
I want this removed from my credit report, please help me get this accomplished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} 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 2022-04-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
SYNCB/AMAZON Potentially Negative Account Info Account NameSYNCB/AMAZON Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXXXX StatusClosed. {$350.00} past due as of XX/XX/2022. 
Status UpdatedXXXX XXXX  Balance {$500.00} Balance UpdatedXXXX  Recent Payment XXXX XXXX Monthly Payment {$51.00} Credit Limit {$380.00} Highest Balance {$590.00} TermsNA

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 2019-06-13
Company: PNC Bank N.A.
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: Old information reappears or never goes away

Complaint:
I called and asked what options were due to hardship of paying student loan. I was informed in XXXX 2019 that forbearance was an option and received and submitted the paperwork as requested. 
Forbearance was denied in letter received due to borrower not signing form. 
I have come to find out I was misled and this is not the reason, the real reason was the loan was charged off to collections before decision was made on denying my forbearance as co-signor. My son lost his job, and I had a XXXX XXXX and am not working, presently on XXXX XXXX  XXXX. The loan was charged off XX/XX/XXXX-19 and my denial was not tillXX/XX/XXXX-19. I was never informed of this sequence of events until I filed a XX/XX/XXXX of XXXX PA complaint. Only then, after leaving voice mail to call me which went un-responded to, was I contacted by PNC Bank. I have not been provided the accurate information along the path of attempting to forbear the loan. I simply am asking for options available to any borrower and attempting to pay the loan payments as required when able.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
( Upon communicating with CFPB over the phone regarding initial claim # XXXX, was advised to open the new one due to dishonest and misleading response of Hyundai Motor Finance ). 

1. Company states the vehicle was retuned late on XX/XX/XXXX. This is a lie - it was returned early prior to the maturity date. Returned promptly on XX/XX/XXXX. The proof is attached ( receipt by the official dealer as well as date/time stamped photos in the lot ). 
2. Company states that it sent multiple letters due to vehicle not being returned. Two lies! First, returned early. Second, none of the letters were received. 
3. Company states that it made attempts to notify me of {$420.00} balance due during XXXX. This is actually true. HOWEVER, my first letter with {$420.00} payment was mailed on end of XXXX. It, for some unknown reason, did not make it to Hyundai and was never posted. I was then out of country due to family emergency and did not receive XXXX mail. Upon return on XXXX, attempted to send {$420.00} electronically. Hyundai rejected the payment ( see attached ). Finally, made payment on XX/XX/XXXX. 
Numerous payment attempts!! 
4. Company states that I made 7 complaints to various agencies. Lie! I made 2 so far ( BBB and CFPB ). Prior to that I attempted to resolve with the company directly on countless occasions. I was not treated with respect. No respect and courtesy were given to 7 years loyal client with outstanding payment history. 
5. If company denies again, complaints will be filed with FTC, Attorney General, etc. Additionally, numerous complains will be posted around the World Wide Web.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
1 ) I have a TD Bank Charge card ending in # XXXX. I always pay my account in full each month. I received my XXXX statement for {$470.00}. A check was mailed for payment on XX/XX/23. It was due by XX/XX/23 XXXX XXXX XXXX. I always mail out bills XXXX of month as I receive my XXXX checks on the last day of the month. Check was not cashed until Monday XX/XX/23. I received a late fee {$29.00} and interest fee {$6.00}, and this started a chain reaction of problems. See attached XXXX statement showing same. 

2 ) I contacted TD Bank on XX/XX/23 and spoke with XXXX. A charming young lady who assured me not to worry. Fees would all be taken off bill, I was an excellent customer! 
She said it might take two payment cycles not to worry. My credit score then was over XXXX!! 

3 ) The late fee only of {$29.00} was removed in XXXX statement. See attached statement. 
But now bill had somehow gone up to {$43.00}. I called and spoke with XXXX on XX/XX/23 another very nice customer representative. She stated that she had figured out the XXXX XXXX, not to worry again this would all be corrected!! 

4 ) See XXXX statement! Bill was now {$83.00}. I also received a letter dated XXXX from TD Bank stating my {$16000.00} line of credit had been lowered to {$500.00} and my credit score was now XXXX!! See attached. I immediately called TD Bank on XX/XX/23 when I received this XXXX statement and by chance got XXXX. She remembered me, could not believe how screwed up this was and put me thru to XXXX in customer service. XXXX also stated she was surprised at how screwed up this had gotten, and she would talk to her supervisor and get this corrected. I was put on hold for XXXX minutes. XXXX got back on the phone and said supervisor insisted I pay at least 1 of the late fees to correct the problem. I refused and asked to speak with the supervisor. After a long hold on the phone again I was disconnected. I called back and asked to again speak to a supervisor and was told phones were not working properly at this time and to call back another day! 

5 ) My XXXX statement is now {$120.00}. I tried to speak with a supervisor and have called this is RIDICULOUS!! 

6 ) SOLUTION!! 
I always liked TD Bank. Never had a problem till now. Please have them REMOVE all Fees and late Charges. Contact credit agency and restore my good credit. My credit score right now is XXXX!!! Also reinstate my {$16000.00} line of credit and issue me a new charge card!! 

Thank You! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
All began back in XX/XX/XXXX, when contacted XXXX and placed fraud alert on my accounts. Since that time have mailed multiple certified letters to all three credit bureaus notifying them to freeze my accounts so no one has access to my credit files or reporting. This was after had been victim of identity theft and purchased an identity theft policy from XXXX XXXX, XXXX, TN. Attempted to get XXXX XXXX to send me a policy which never did ; when I sent them analysis of the conflicting and nebulous information contained in information they had emailed me, only put me in contact with their attorney. Request for additional information continued receive information that had terms and conditions that they would not define, nor would they provide me any evidence of a contract. Contacted XXXX with Experian on XX/XX/XXXX, an alleged Subsidiary or affiliate of XXXX XXXX who told me had sign up for service ( $ XXXX/mth ) to place a freeze on my account and would replicate with other bureaus ( XXXX  & XXXX ) . When I logged back into account, there was no such functionality. When attempted to call the merchant back, Experian, the number had been Additionally, attempted to cancel this automatic draft within 30 day period they told me once I place the freeze on accounts, then could cancel service. Although, was unable to log back into the account. XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX, the three Credit Bureaus have been a circuitous route back to labyrinth of deception in Washington.

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 2017-04-06
Company: TENET HEALTHCARE CORPORATION
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XX/XX/XXXX, a dispute on a collection was placed with Central Financial Control in regards to medical bills placed on my credit reports by this company. I received proof of medical bills on XX/XX/XXXX a week after the 30 days they were allowed to prove this information. The letter is postmarked for XX/XX/XXXX, however it took over a week and a day before I received this letter in the mail. In the letter proved they showed the hospital I owe a medical debt including the hospital bill, my child 's medical record number, dob, and access to her medical diagnosises. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my child 's current or prior medical providers to release any of my child 's medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. I would like to see a signed agreement with this third party showing I owe this debt to their company after it has been sold by the hospital. They also stated they will have a cease and desist unit as well as damage my credit and will not delete as it is not warranted. However, this deletion is warranted as they have validation my child 's HIPPA rights in order to collect a debt as a third party. There were no agreements or signatures I signed with this company as it is unfair, I should not have to pay for a debt that is not owed to them when they are not the orginal debt collectors. I demand deletion on all debts associated with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 is my 18th 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

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 2023-04-03
Company: Experian Information Solutions Inc.
State: DE
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 noticed I had a charge-off on my credit report that should'nt be there, because the IRS considers a charge-off as gross and ordinary income by definition, and it should be filed as taxes, and under the form 1099-C cancellation of debt ( 1 ) cancelled debt must be reported as taxable income on annual tax returns even if the issuer does'nt send a form 1099-C because the canceled debt is less than 600 dollars. Under 15 USC 1681 S2 : Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX calls me XXXX times a day. Today 7 times in a row. I have resolved the billing issues ( they stoped auto payments ) although it is not due to my fault. They called me 7 times in a row today and can be seen in the attached call logs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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