BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX purchase in XX/XX/XXXX {$980.00}. Item returned in XX/XX/XXXX. Refund delayed with XXXX, I opened dispute with CitiBank Visa. XXXX return was approved yet CitiBank claims no refund was issued by XXXX XXXX XXXX claims refund issued XX/XX/XXXX. I was told by XXXX that the dispute needed to be closed for refund to process. CitiBank records calls so when I requested the dispute to be closed I stated this. I have yet to receive refund - see attachments - XXXX XXXX XXXX  division AtoZ Guarantee states this matter was resolved with credit card company. XXXX Executive Analyst in CitiBank corporate said there is no further action they will take since dispute is closed. This after I spoke XX/XX/XXXX with XXXX CitiBank Billings Investigation I explained XXXX responded to my XXXX  complaint submitted approx XX/XX/XXXX that the item was never returned therefore no refund. Whereas all XXXX communication previous stated refund issued but it must be an issue with my credit card company. What did CitiBank do exactly in the original dispute? I stated the only reason I was requesting dispute to be closed was the instruction from XXXX. Yet I helpless because it requires assistance of CitiBank to resolve the information where XXXX states the matter was resolved with credit card company and other communication that CitiBank " repaid us for this order ''

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-25
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I satisfactorily completed my XXXX lease at the XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX 
1. On XX/XX/2022 I requested cancellation of my Residential utility services Georgia XXXX and notified XXXX XXXX who also manages the XXXX XXXX utility billings. 
2. On XX/XX/2022 I received the Final Move Out statement from XXXX XXXX, XXXX at XXXX XXXX Property XXXX. 
3. I personally questioned XXXX XXXX in the office regarding the additional {$270.00} payment due. XXXX statement was all Utilities are prorated and this is my final bill. 
4. XXXX stated that the final bill due was due of {$270.00} but only payable at the XXXX at XXXX XXXX XXXX. 
5. XXXX XXXX provided me copies of my Final Ledger which shows I owed the {$270.00} as of XX/XX/2022. In driving back to GA to speak directly with XXXX XXXX regarding the ledger, I clearly showed that I was being charged an additional {$130.00} for services now totaling ( {$410.00} ) when clearly, I was now longer under any contractual agreement with XXXX at XXXX XXXX from XX/XX/2022, and I do not owe for future nonuse of the apartment or residential services Im being charged for by XXXX XXXX that are listed on the ledger. 
6. XXXX XXXX agreed I didn't owe the additional {$130.00}. I had believed he corrected the error as we reviewed the ledger on his computer. 
7. XXXX XXXX stated I should wait for the final bill to be sent from XXXX as XXXX would collect the final payment. 
8. I moved back to Florida and never received the final bill from XXXX via email nor physical mail per my mail forward request. 
9. I reached out to XXXX XXXX for an update with no contact. I reached out to XXXX and was told the final bill payment for {$270.00} was to be paid directly to the XXXX XXXX XXXX XXXX. 
9. Payment was sent to the XXXX at XXXX XXXX XXXX via certified Mail in the amount of {$270.00} as final payments owed to XXXX at XXXX XXXX. 
10. I do not owe any debt to the XXXX XXXX XXXX, nor do I owe any debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX who has placed this fraudulent amount for {$410.00} as a collection account on my credit reports to attempt to collect on a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: MA
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 have reached out to Experian about 3 times asking them to update my collections account I have on my report from XXXX XXXX. I have paid this account and it is closed. On my credit report it still shows as a open account. I called XXXX  XXXX and they informed me they have already told Experian this account is closed.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 2023-02-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2022-11-11
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This card offers a XXXX Membership Rewards points bonus if I spent {$15000.00} in 92 days. Before that time period was up, I called to confirm that I spent the required amount and was told I had. I have not received the points and have called many times to resolve it. Their response is that someone internally will have to review the phone calls and I should hear back from them within a week. I never hear back. This has happened numerous times and there is no contact watsoever from American Express. The newest representative always says that the issue is still pending. It's been about four months with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: Home Loan Center, Inc.
State: NE
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 was considering looking for a new vehicle and wanted to get an idea of the monthly costs to see if I could afford it. I saw Lending Tree and it was advertised to me that I could use it to see if I prequalified for any loans and see what the rates would look like. At no point did I agree to a hard inquiry from any financing company but now I'm seeing 2 new Hard inquiries popping up on my credit report, as of right now XXXX XXXX and XXXX XXXX. I never asked for these companies to do a hard inquiry. I don't know which companies lending tree reaches out to and I don't know how to reach all them to tell them I'm not interested in any the loans they have to offer especially when I wasn't even sure if getting a vehicle was even possible for me right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions Inc.
State: AZ
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: Problem getting your free annual credit report

Complaint:
Not credit reports exist with Experian & XXXX. I have 2 secured credit cards, an XXXX store card and a credit building loan. At this time I do have XXXX  reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-25
Company: Brinkman Alliance Group
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I TIED TO DEAL WITH THE COMPANY & IT WAS TURNED OVER TO COLLECTION WITH 3 DIFFERENT COMPANIES THEY TRIED TO SUE ME & PUT IT ON MY CREDIT REPORT, I AM A SINGLE MOM MY HUSBAND IS DECEASED!! I CALLED XXXX & THEY CONTINED TO PURSE ME WITH THE REPORTS, THEY GOT FROM THE OTHER COMPANIES THEY ARE DAMGEMING MY CREDITS STANDERD UP 1ST TIME THEY TRIED TO GET ME & IT WAS OVER 2YEARS AGO SO THEY SOLD IT & MORE MONEY WAS ADDED IT WAS CHANGED AGAIN THEN IT HAS BEEN CHANGE AGAIN TO TO TRY TO COLLECT IHAVE NOT BEEN YOU CAN GO TO MY REPORT & READ, XXXX  MADE NO ATTEMPS TO HELP ME I THINK THIS IS WRONG DO I NEED TO CONTACT TH PRESIDENT OF U S A FOR HELP!!!

Company response to consumer: Untimely response
Consumer complaint received 2019-11-25
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received this e-mail but did not apply nor request this card : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER Inbox XXXX XXXX XXXX Synchrony Bank XXXX XXXX XXXX ( 2 hours ago ) to ******* Note : This email was sent to you by Synchrony Bank, the issuer of your AMAZON CREDITBUILDER Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your AMAZON CREDITBUILDER Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, USA. 

This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/.

-- -- -- -- -- -- -- -- -- -- -- - Tried to contact Amazon to report this but could not find path to do so.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXXXXXX XXXX XXXX and 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 2023-01-03
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:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

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 2022-02-01
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a past due balance of {$710.00} which I paid in full XX/XX/XXXX. I received two finance charges on XX/XX/XXXX {$2.00} and {$3.00}. I called comenity XXXX in XXXX and the rep said she could reversed the charges. This didn't happen. In XXXX messaged XXXX  and XXXX XXXX the rep who responded to my inquiry said I was getting charged and I needed to pay. The same thing happened with my other comenity card at XXXX except they reversed the charges because I had paid the account in full. I had been and am getting charged two finance charges a month on each card. I thought having a 0 balance would mean no interest. comenity bank cards are the worst for interest taking advantage of people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have filed three complaints and disputes with TransUnion at this point. It is absolutely ridiculous. I have gone up XXXX points through TransUnion but they refuse to update their portal to reflect it except on XXXX XXXX. I pay for XXXX as well. This is outrageous. They have delinquent accounts filed on my credit score but have ever shared but those accounts are and I have requested it 3 times. I do not have ANY debt as of today and the only XXXX cards I have are from XXXX XXXX ( authorized user ) and XXXX XXXX. 

They share with companies that my score is XXXX but thats not what XXXX XXXX reflects :

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 2022-01-10
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 XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX Original Creditor : 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 2022-03-09
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alpine Credit Inc is refusing to remove false information from my credit report. They've stated that they are not willing to investigate the matter and don't need to because I haven't " proven '' anything. My insurance company and I contacted XXXX XXXX XXXX XXXX XXXX ( who illegally hired a debt collector to collect the debt on behalf of XXXX XXXX XXXX ) to tell them that they billed the insurance company incorrectly. The inane lady who answered, XXXX, refused to take any blame by writing the situation off as " I don't know how this happened, it just seems strange to me because all the other claims were accepted but not this one '' instead of admitting someone in her office keyed in the wrong member ID which resulted in a denied claim, who knows it was probably XXXX who gave the wrong information to the insurance company but won't admit it. A year later they are trying to collect on a debt that I don't owe and are reporting that I owe a balance of {$330.00} all because they couldn't get the insurance company to pay out the claim due to providing the wrong information to them. This is called passing the buck and they are in violation of FCRA for reporting false and innacurate information to my credit buraeus. 

Please see the attachments below that show when the medical company tried to bill the insurance company and make note of the member ID number they listed for me and compare it against the member ID of my insurance card as proof they wrote down the wrong information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation