BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. 

Account name : 1. Alabama department of human resources 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 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Complaints regarding XXXX XXXX inaccurate reporting were submitted to the CFPB on XX/XX/XXXX ( # XXXX and on XX/XX/XXXX ( # XXXX ). XXXX XXXX has provided a response ; however, the response is insufficient. The response from XXXX XXXX does not provide an explanation for the concerns raised in the complaint ; specifically, an explanation as to how late payments incurred in XX/XX/XXXX and XX/XX/XXXX after the account was closed and had a {$0.00} balance in XXXX and XX/XX/XXXX. 

Accordingly, I continue to dispute the inaccurate reporting of two late payments being reported by XXXX XXXX. I am again requesting an explanation as to how an account that was closed, with a {$0.00} balance for several months could owe a minimum payment on the account, several months after the account was closed. If XXXX XXXX is unable to sufficiently explain this issue and address this concern with factual information and adequate supporting documentation, then the inaccurate, derogatory information must be removed in accordance with Federal guidelines. 

In a letter dated XXXX XXXX XXXX indicated the following, In regard to the delinquencies that have been reported on your account, our records show the following billing and payment activity : On XX/XX/XXXX, the account billed with a minimum payment of {$20.00} due by XX/XX/XXXX However, what XXXX XXXX fails to acknowledge is that the minimum payment due by XX/XX/XXXX is where the inaccuracy begins. 

XXXX XXXX also fails to acknowledge that, per their own records, the balance on the account as of XX/XX/XXXX was - {$75.00}. As a result of adjustments, albeit inaccurate, as of XX/XX/XXXX the account balance was {$0.00}. At that point, the account was already closed ; therefore, after the account was closed in XX/XX/XXXX and the balance on the account was showing {$0.00} in XX/XX/XXXX, no additional charges could have been made by the cardholder. Therefore, there should have been {$0.00} minimum payment due by XX/XX/XXXX. There was no balance on the account to owe a minimum payment on. 

XXXX XXXX failed to provide any statements between XX/XX/XXXX and XX/XX/XXXX to support their assertion that the account had an outstanding balance which would have required a minimum payment due in XX/XX/XXXX. 

Therefore, XXXX XXXX reporting of late payments in XXXX and XX/XX/XXXX are inaccurate. The continued reporting of inaccurate, derogatory information is a blatant violation of Section 623 of the Fair Credit Reporting Act.

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 2019-10-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with signing the paperwork

Complaint:
I received an offer through XXXX to lower my student loan rate through Citizens One. I applied online and then spoke with a rep. I was told within minutes that I was approved for a 5.2 % loan but had to submit 1 more piece of info. I did. I received an email saying they needed more information : proof of social security. I sent it. They said they needed pages 1 and 2 from XXXX tax return. I sent it. They sent yet another email saying I needed to send all pages from XXXX tax return. I sent them the info, which was 25 megabytes. Then they asked for yet more information that I had already supplied. This went on for 6 emails and 9 customer service reps. Each time, they assured me that my latest submission was enough to complete the application. Last night, I received yet another request for still more information. 

All of this for a $ XXXX/month reduction!! 

Every rep told me that my application was now complete, and I should hear back within 3-5 days. 

I am retired and age XXXX. I have a XXXX credit score and more than ample assets to pay the loan off today. Im simply trying to lower the loan for my daughters education. And I have to go through this hassle with still no loan? 

As a former XXXX XXXX, I have never dealt with a more deceptive and difficult company than Citizens One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been using my Goldman-Sach 's Apple Credit Card for the cash back awards. Recently, I've been making larger, more frequent payments which resulted in part of my credit limit being put on hold for ten days. I have a {$5500.00} credit limit but like to use the card and pay it back right away for the daily cash back benefits. 

XX/XX/XXXX I made a payment in the amount of {$1000.00} XX/XX/XXXX I made a payment in the amount of {$960.00} XX/XX/XXXX I made two payments, one for {$1200.00} and also {$3000.00} XX/XX/XXXX I tried to make a small purchase in the amount of {$490.00} which was declined for " over spending limit ''. I checked my bank account and saw both payments {$1200.00} and {$3000.00} had already been debited from my checking on XX/XX/XXXX, so I thought I would wait 1 additional day for the payments to reflect in the available credit. The following day, XX/XX/XXXX I called into their customer service and was told both of my payments from XX/XX/XXXX were " put on hold ''. The representative was not able to explain why the payments were put on hold ; but, she was able to release the smaller one for {$1200.00}. Over the weekend I kept checking my account to see the {$3000.00} in my available credit to no avail. 

I called back on Monday XX/XX/XXXX and asked to speak to a supervisor or manager and was told although the {$3000.00} posted as a payment my available credit would be on hold on until XX/XX/XXXX. I became agitated at the fact they would place a hold for ten days even though they debited my checking and already got their money. I was told I was making payments too large and too frequently which impacted my available credit. Since this poses no additional risk to the credit card company I became infuriated and asked to speak to someone else above that supervisor or manager and was told there was nobody above her I could speak to and nothing she could do, I had to wait until XX/XX/XXXX. 

My complaint is that I believe they are holding or suspending my available credit because I use the card and pay it back right away, taking advantage of the cash back benefits which, in my opinion, the company is trying to prevent me from using their benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: DISCOVER BANK
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
My loan was originally signed in XXXX and XXXX for the amounts of {$18000.00}, {$24000.00} and {$24000.00}. Each loan balance is well above {$50000.00} at this point. Illegal fees interest has been applied to my loan done by Discover Student Loans and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: AMERICAN HONDA FINANCE CORP
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Found out 3 months later after pressured into pPurchasing vehicle and the sales person was informed that Im just looking I was very depressed Im under three medications for XXXX and he even Seen me crying and was brainwashing me into buying something to make me happy I was so confused and scared I just went in to look for a car they rushed the paperwork they didnt even let me get to see it which my eyesight is not that good we realize 4months later my daughter looked at the car Paperworkand said why is your payment high she seen that was 17 % interest rate Ive been struggling for a year and a half to make that payment I haveNo other vehicleI tried to call Honda they wont help I even called the dealer that sold me the car and told him he tricked me knowing the condition the mental condition Im under this car payment is too high for me and I O more than its worth

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Based on my findings, I kindly request your immediate attention to investigate and delete three erroneous accounts currently present on my Credit Report. 

The account is named IC systems. Three account numbers XXXX, XXXX, and XXXX as what is showing in XXXX and in XXXX it shows the following opened dates for the three IC SYSTEM accounts : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have no account with this company and I do not owe them money. 

Please investigate and delete from my credit report.

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 2020-03-16
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX  are reporting incorrectly a charge-off in the amount of {$370.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sent to collections and has been paid. There is no outstanding balance to report and therefore no balance to charge-off. This reporting of an account that already had gone to collections is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This false reporting of a charge-off seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
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 about 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 2022-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've reached out to this company several times via phone mail and fax advising them they are breaking the law by reporting my private personal information to the public without my consent or knowledge. According to 15 U.S. Code 1681b they have no right to report my information without permissable purpose. I never gave any written consent to report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
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:
Requested Experian to investigate XXXX, XXXX  XXXX and XXXX XXXX XXXX   XXXX. Company continues to use " black box '' methods to investigate issues. Company failed to remove hard inquiries off credit report. This company failed to comply to FCRA guidelines. Requesting a full investigation of my credit file. This continues to have issues with getting credit from different companies. Company has failed to update credit file.

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 2022-03-25
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I have informed Equifax since XX/XX/2021 about XXXX XXXXXXXX inquiries on my credit report XXXX XXXX sent me a letter saying that they sent Equifax a letter also telling them to remove the XXXX XXXXXXXX inquiries from my credit report as well as I sent them a copy of the letter XXXX times they still have not removed the inquiries even though XXXX XXXXXXXX the ones that put it on there requested they take them off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
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: Account status incorrect

Complaint:
XXXX uses Experian to approve loans in my case for veterinary services. 

XXXX approved a 2 loans, one for {$200.00} and one for  {$60.00}, for my pet XXXX and also withdrew a {$40.00} deposit and a {$12.00} deposit from my bank account. 

I received an email of Adverse Action based on Experian - too many delinquent accounts - I have a 100 % stellar record with no delinquency and other misinformation on my credit report.

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 2023-06-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was a victim of identity theft, someone opened a credit card in my name

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 2022-03-25
Company: Experian Information Solutions Inc.
State: GA
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately! 

2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!

3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!

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 2022-11-08
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: Public record information inaccurate

Complaint:
I filed a complaint with Transunion on XX/XX/2022, they never addressed the bankruptcy which I provided paperwork from XXXX. The addressed the other issues but not removing the bankruptcy which I have legal documents from XXXX and the Bankruptcy Court as well. I'm still unsatisfied with the results with the issues that they addressed in on XX/XX/2022. Transunion is overlooked this matter and they lied a couple months of ago about receiving the certified mail. I'm addressing the bankruptcy issue again.

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: EQUIFAX, 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:
15 USC 1681 there were many inaccurate accounts on my consumer report, which these inaccurate accounts are affecting my credit report I never got any validation for any of these close accounts nor for the inquiries that stated on my consumer report I was never contact by the credit agency XXXX XXXX for a reinvestigation nor the companies havent seen a written consent proof that states that these accounts belong to me a file, the FTC report as well. I stated that these accounts had to be removed. I sent letters stating the accounts that were inaccurate which they were not resolved. I also stated when I spoke to XXXX XXXX about the data breach that happened within the company that was not addressed as well. I am trying my best to be able to work with this company, knowing that I can not in trust any personal information with the company do to them, allowing my information to be leak not only I gave them a chance to be able to do the right thing and to be able to resolve the issue but they did not clear the accounts that were affected my credit report I would like proof of consent and original contract with these companies. And also I would like to know why is my credit score a different score with XXXX XXXX and also a different score with XXXX and also on the website of XXXX XXXX I would like for my credit score to be accurate and updated as well I received phone calls different companies that I never gave my information to stating that I open the business account. And also I want to add that is XXXX resolve the issue with the inquiries that was found inaccurate on my consumer report data also be removed off of all other credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
I have attempted multiple times to dispute the late payments during COVID-19 when I was laid off and unable to always make the full payment. There was an order in place that companies were not allowed to report negative because the impact of COVID. XXXX was able to work with me to make payment arrangements, but they are reporting me as late during those times. I mailed letters and the returned as " unable to deliver ''. I also called and they stated it was noting I could do but dispute it. I have a copy of the letter mailed and returned envelope and a image of my credit report.

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