BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-06
Company: Experian Information Solutions Inc.
State: FL
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:
Ive been dealing with XXXX XXXX for months. Ive had numerous unauthorized charges on my card that I cant remove and its messing up my credit. These are fraudulent charges

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 2021-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've been a Bank of America customer for over 8 years, I've had an exceptional payment history with my credit card account with Bank of America, I recently discovered Bank of America closed my credit card account and reported me to the credit bureaus 30 days late for XX/XX/2020, 60 days late for XX/XX/XXXX and 90 days late for XX/XX/XXXX. Bank of America has never called me, emailed me or sent me any written notice whatsoever advising me there was a balance past due with this account. My family has bee devastated XXXX XXXX, my mother has been suffering with severe medical and financial complications since XX/XX/XXXX. My only concern in my life for the past 6 months has been my mother 's health. I spoke with a representative in a Bank of America branch and advised them I was unaware I had a balance with my account because my mother 's health was my first priority, I stated I was willing to pay the past due balance in full, but I wanted Bank of America to re-open my account and remove the late postings with the credit bureaus and I was advised, they would not remove the late history. My family has bee devastated and now my credit profile has also been devastated. I'm reaching out to the CFPB to help me restore my relationship with Bank of America and restore my credit profile.

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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

( 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 2023-07-31
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : inquiries I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account DATE : [ XX/XX/XXXX ] Reason : [ NOT CORRECT ] 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,

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 2023-07-31
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 2017-07-18
Company: Stanislaus Credit Control Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never went to a hospital or clinic in  XXXX , California.My identity was used by someone and I was n't aware until I checked my credit.There is a collection on my credit with  XXXX ,  XXXX ,   XXXX   for {$250.00} and collection is hurting my credit.My credit scores are in the mid  XXXX .
Who use my identity to get credit or be admitted to a clinic or Hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: LEXISNEXIS
State: GA
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 contacted Lexus Nexus last year by email. I provided my information for them to identify me and I was replied to by saying I could request my consumer report. So I decided to call and asked if they verified my Bankruptcy and the first rep told me no that the Credit Bureaus did. I told her that is was impossible because two of the Bureaus said it was either the Bankruptcy court or Lexus Nexus. So I ended up having to call back. The second rep told me when I ask was that it was the Bankruptcy court that verified my Bankruptcy. So when I asked for proof of that so I can give it to the Bureaus amd court. I was denied that information because they said it was no way to provide me with that information unless I as for a consumer report. So I decided to write them and provide my information again to prove my identity and I received a letter again telling me that they couldn't authenticate my identity. Which I find strange, because when I call them that 1 time they only asked me for my last for digits of my social, address, name, amd DOB. And that's the same information I provided in the email originally. I also must add that along with the letter sent was copies of my License and Social Security card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: LA
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:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$29000.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX we signed the contract with XXXX XXXX to have our sewer system done and the XXXX XXXX offer us a promotion to make installment payment without interest in 25 months with Synchrony Bank on our total loan is {$17000.00}. In the original contract there is no line for the 25 months term, so the technician name XXXX XXXX ( XXXX # XXXX ) crossed out the 605 code on the Promotion Offers and write down the new code of 930, he also crossed out 18 months and write the 25 months above with my initial signatures. We did call the Synchrony Bank to verify our term as well as the monthly payment amount we have to pay in 25 months is {$690.00}. And we will end the payment XX/XX/XXXX I've made payment on time from XX/XX/XXXX to recently. However, on XX/XX/XXXX, the bank suddenly charged us {$5800.00} Interest fee and also the XXXX interest of {$230.00} without any notice. We tried to contact the bank many time and at first they told us to talk with XXXX XXXX, when we called XXXX XXXX, they said they've send the contract to the bank and we - as a client- have to work directly with the bank. We kept calling them back many times and finally talk with the account manager, he told us to fax the copy of the contract to them. After we faxed to them and received a message that they was received the documentation. We called them back to check if they case was processed, but the teller kept told us to wait until 1 or 2 billing cycles. We just want them to confirm that they will correct the term all of them just refused to give us the answer. On XX/XX/XXXX, we called them back and assist to talk with case manager, and he told us that he didn't see the term 25 months on the document he had. I told him if he want us to refax it or how can we show him the correct term but he kept telling us that he didn't see it. I think the bank should have the original copy of the contract to compare with ours. We couldn't made it up, as well as if the term is 18 months, the monthly payment {$690.00} is not correct and make no sense. I'm so disappointed with they way Synchrony Bank works with customer and the way they deal with our problem.

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 2019-06-12
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My US Airways credit card was switched to a XXXX XXXX credit card which I received automatically in the mail ( I did not sigh up for it, it was generated once the two airlines merged ). 

In one year I was charges {$2000.00} in interest fees for {$250.00} in actual purchases. 

I am being charged 27.24 % interest on the card, almost 30 % which is much higher than I was charged by US Airways.  Therefore the card has generated thousands of dollars in interest. 

The interest is related to the predatory insurance amount. It does not look like they honored the interest rate I had previously. 

Also the USPS mail carrier failed to deliver mail in XX/XX/2017 due to a dispute between mail carrier and the US Post Office over building access ; the USPS carrier did not have the key to access the apartment building mail and he sent back mail mark undeliverable, which caused my card statement to be sent back and I missed sending payment. I contacted all my card companies to notify them of the issue with mail delivery and I notified the USPS Postmaster to file a complaint about being charged higher interest due to the US mail delivery mistake, and I was told by my credit card company that my credit would not be affected and they'd send paper statements out to replace the returned statements. 

Even with that the 28 % interest is extremely exorbitant and predatory.

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 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have previously submitted disputes to all three credit bureaus in regards to inaccurate account information. The main issue is that the scores provided by XXXX XXXX from the credit bureaus do not match the scores that are provided to the lender. Examples : 1. Two years ago, I traded in my vehicle. XXXX XXXX listed my scores in the range of XXXX to XXXX. The lender 's letter stated my score was under XXXX. Of course higher interest rate. 2. I applied for a mortgage a few months ago. XXXX XXXX reports my score as XXXX. The lender states that my score needs to be at least XXXX to qualify for a mortgage. The lender declines my application because of score ; under XXXX. 3. My current scores per XXXX XXXX are XXXX and XXXX. Approved for credit with 30 % APR with score of XXXX per lender 's letter. I do not understand how this is right.

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 2023-07-14
Company: MARINER FINANCE, LLC
State: IL
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 it seems as though someone has used my information and has opened things in my name. I need these unauthorized items to be locked and removed from my credit report completely as it is hindering my life tremendously. I am mentally drained and hurt by this situation. Can you please help me immediately I am begging you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, I opened up a XXXX credit card through Comenity Bank. In XXXX I paid off all my credit cards, including this card, the whole balance. I received communication in XXXX that this card was sent to collections, which is surprising considering I paid it off. Looking at my statements, after I paid off the card they had charged a {$2.00} interest fee but did not communicate this to me. Since then they have added late fees to each month and interest fees to this {$2.00}, resulting in {$30.00} that was sent to collections. There was no communication to me, through email, mail or phone ( even checked my junk box ) saying I owed or had an outstanding balance, due to an interest fee. I reached out to the company expressing my concern and received a very dismissive response saying they are at liberty to assess fees and no solution to the problem here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-03
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TSI Transworld Systems Inc. 
on behalf of XXXX XXXX XXXX : Ive never heard of or been to either of these companies and have called and written both. I have continued to receive this fraudulent bill for services Ive never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: BARCLAYS BANK DELAWARE
State: FL
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:
Hello, last month I've tried to reach out to the credit bureaus to get two charge offs accounts verified/ removed and they weren't able to do it. The first account is BARCLAYS BANK DELAWARE {$2100.00} and the other account is XXXX XXXX XXXX {$4800.00}. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023, I submitted dispute letters to XXXX, Experian, and XXXX regarding inaccurate information on my credit report. Despite my submission, XXXX, Experian, and XXXX has not adhered to the requirements of the FCRA in their handling of my dispute. I'm reaching out to you today because I'm really upset with XXXX, Experian, and XXXX - the three main credit reporting agencies. The Fair Credit Reporting Act- in a section labeled 1681i ( a ) ( 7 ) - clearly states that when a consumer like me asks about their reinvestigation process, these agencies must explain it within 15 days. But I'm still waiting for an answer from them since I made my request on the dates above. 

There's another issue too. I've found some inaccuracies in my credit report, and I've already informed them about it. Despite this, they haven't removed the incorrect information. This goes against what's outlined in section 1681i ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. Also, they're supposed to ensure that the information they have on me is as accurate as it can be, but these mistakes keep popping up. This isn't right, and it's a violation of another part of the Act - section 1681e ( b ). I'm really at my wit 's end here and I'm hoping you can help me resolve this.

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 2022-04-19
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$29000.00} / XX/XX/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
Consumer complaint received 2019-03-04
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MY NAME IS XXXX XXXX. FIFTEEN + YEARS AGO I HAD A XXXX XXXX IN XXXX, FL. THIS IS NOT MY DEBT ANY LONGER AS IT WELL EXCEEDS THE 7-10 YRS THAT I THOUGHT A DEBT COULD BE COLLECTED. THEY KEEP CHANGING DATES I.E. DATE OPENED AND NOW HAVE IT IN XX/XX/2018 SAYING THIS WAS OPENED..NOT TRUE.  THEY KEEP SELLING IT TO OTHER COLLECTORS AND IT NEVER STOPS. I FILE CONTINUOUS CREDIT DISPUTES AND THEY DISAPPEAR FOR A WHILE THEN ARE BACK. THIS IS NOT FAIR AND COULD GO ON FOREVER BASED ON THEIR ACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Method of Verification for Transunion : This notice is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX Account # XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter.

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