BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX IS REPORTING AN ALLEGED DEBT TO MY CREDITOR REPORT AS THE COMPANY IS STATING I OWE A DEBT THAT DOES NOT EXIST. I PUT DOWN A SECURED {$400.00} for CREDIT CARD AND NEVER RECEIVED A DEPOSIT BACK AFTER 6 MONTHS, ALSO XXXX HAS REVERSED THE ACCOUT INTO A NEGATIVE BALANCE OF {$830.00} DOLLARS. XXXX XXXX IS PRACTICING UNLAWFUL ABUSIVE BEHAVIOR TOWARDS ME AS A CONSUMER ACCORDING TO 1026.11 - Treatment of Credit Balances ; Account Termination Paragraph 11 ( a ) ( 3 ) XXXX. Good faith effort to refund. The creditor must take positive steps to return any credit balance that has remained in the account for over 6 months. This includes, if necessary, attempts to trace the consumer through the consumer 's last known address or telephone number, or both. 

XXXX. Good faith effort unsuccessful. Section 1026.11 imposes no further duties on the creditor if a good faith effort to return the balance is unsuccessful. The ultimate disposition of the credit balance ( or any credit balance of {$1.00} or less ) is to be determined under other applicable law. 
11 ( b ) Account Termination Paragraph 11 ( b ) ( 1 ) XXXX. Expiration date. The credit agreement determines whether or not an open-end plan has a stated expiration ( maturity ) date. Creditors that offer accounts with no stated expiration date are prohibited from terminating those accounts solely because a consumer does not incur a finance charge, even if credit cards or other access devices associated with the account expire after a stated period. Creditors may still terminate such accounts for inactivity consistent with 1026.11 ( b ) ( XXXX ). 

11 ( c ) Timely Settlement of Estate Debts

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 2018-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX, and trans showing inaccurate information sent police report and idtheft letter fcra violation

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 2022-11-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/2022 ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all XXXX credit bureaus ] 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 ( XXXX ) to be in error : Account Name : [ XXXX  XXXX XXXX  Account Number : [ XXXX ] Reason : [ NEED LATE PAYMENT REMOVED & THE ACCOUNT FROM PROFILE PLEASE ] To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On ( insert date of report ), I retrieved a copy of my credit report ( insert credit report number ) and discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with ( insert creditor or lender ), I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into ( creditors name ) inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if ( creditors name ) is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 


[ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: LEXISNEXIS
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: Old information reappears or never goes away

Complaint:
Last year I was hit with a {$300.00} fee from my Homeowners Insurance company, XXXX XXXX XXXX, due to an adverse credit report pulled from LexisNexis risk solutions. I was shocked at the time at the amount of money charged based on my credit score being pretty good, but I did not investigate at that time. I just received my XXXX XXXX XXXX XXXX  renewal for XX/XX/23 and there is a {$500.00} charge for bad credit score based on reporting from LexisNexis. That is now {$800.00} in charges for " bad insurance score '' based on credit report from LexisNexis. By the way, this is happening in addition to other massive increases in Florida homeowner insurance, my rate was just increased XXXX! So this time I investigated what could possibly be hurting my score so bad I'm just charged {$500.00} for being a bad person. 


I requested a report from LexisNexis and received it by mail today or at least it was their system for providing an online secured report. It includes their " National Credit File '' Report and the report is very specific that the information contained within is from XXXX. There are two " bad debt '' accounts listed, one for XXXX  XXXX XXXX and another for XXXX XXXX. Additionally, a XXXX account shows three late payments. However, a report pulled tonight live from XXXX shows no bad debt accounts, no late payments to XXXX. All accounts are on time and no late payments reported on my revolving credit accounts. 


Why a Consumer Financial Protection Bureau report on this? Because this has cost me {$800.00} out-of-pocket so far in adverse reactions to this data. The data is from an old XXXX data pull that contains debts and late payments more than seven-years old. So LexisNexis has created this " National Credit File '' that reports old information from other credit agencies as current. Why is this allowed?! In essence, by pulling data as of a certain date from XXXX and then not updating that information and reporting out on it, LexisNexis has violated my statutes of limitations and FCRA via some " combined report '' that contains data that not even the data source currently contains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08
Company: EQUIFAX, INC.
State: AZ
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:
Bankruptcy chapter XXXX was filed which included the accounts from XXXX XXXX XXXX XXXX XXXX. as stated per the bankruptcy the amount of XXXX was included in the monthly payments made to the trustee t ok pay off the accounts. XXXX XXXX XXXX XXXX XXXX KEEPS ADDING MORE AND MORE AND REFLECTING NEGITIVE MARKS ON MY CREDIT REPORT. DURING COURT HEARING PER JUDGEMENT NO INTEREST A SET AMOUNT WAS TO GO TO THEM AND OUR MEDICAL BILLS THAT WERE INCLUDED. They are the only ones showing that I owe more and more. I've contacted the XXXX, XXXX XXXX AND NOTHING IS BEING DONE. IVE BEEN ON TIME WITH MY PAYMENTS TO THE TRUSTEE COPY OF COURT DOCUMENTS SENT AND STILL SHOWS NEGATIVE REMARKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: CITIBANK, N.A.
State: CA
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:
Citibank for the second month in a row charged me interest {XXXX} on XX/XX/2022 on Credit Card before the bill before it is due, next XX/XX/2022. 
Balance paid on time and in Full on XX/XX/2022 balance that date XXXX ; even their own statement says so. 

Most recent statement closed on XX/XX/2022 and I do not have that statement yet, but is not due until XX/XX/2022. 

Please ask the Controller of the Currency to enforce the law NOW! 

and prevent Citibank for charging my interest during the 25 day grace period when no interest is due at all. 
Second time in two months.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: MA
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 blow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : 1. # XXXX Commercial card / Account 2XXXX # XXXX Service/ 3. # XXXX Service/ 4. # XXXX Line of XXXX/ 5. # XXXX XXXX 6. # XXXX XXXX/ 7. # XXXX Service. 
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. ( aX5 ) Section : no comsumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C1681s-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 explanation
Consumer complaint received 2019-10-02
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-10-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a secure banking debt account from chase bank on XX/XX/19 I had put XXXX dollars in account on XX/XX/19 they closed my account still have not sent me my money back to me and will not give me an answer why the same thing happened to me when I tryed opening a chase business account a couple years back in XXXX when I was doing work as a contractor there they held money of mine and closed my account with no explanation and said they dont have to give me one I have never done bad business with them and simply trying to find out if someone else has stolen my identity but they will give no answers I feel as if I'm being discriminated against by this bank. I should have the right to know why they have closed my account to protect my self from identity theft. I have gave them all my identity info but they cant give me a reason for closing of my account so only reason I can come up with is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Westlake Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
On XX/XX/XXXX I obtained a title loan through Wilshire Consumer Credit in the amount of {$3600.00}. Unfortunately I fell behind on the payments and on XX/XX/XXXX the vehicle was repossessed. 

However I was informed by the loan company that I had until XX/XX/XXXX to pay off the remaining balance of {$4700.00} and regain possession of the vehicle. On XX/XX/XXXX I made a payment through XXXX for the amount of {$4700.00} and cleared the entire balance owed to Wilshire Consumer Credit. They have acknowledged receipt of the payment and have updated my account with this information which now reflects no balance due. I was provided the information for the auction company which is storing the vehicle and was informed to get in touch with them in order to pick up my vehicle. 

The issue is that I am not able to do so as the tags were removed and destroyed by the tow company. I've contacted my local tax collector 's office/DMV and was informed by them that as of XX/XX/XXXX the vehicles title is no longer under my name but was transferred to Wilshire Consumer Credit by them. As such I am not able to register the vehicle or obtain duplicate tags. 

As stated by Wilshire Consumer Credit I had until XX/XX/XXXX to make a lump sum payment on the loan and obtain my vehicle. Yet eleven days prior to this they canceled the lien on the title and transferred ownership from myself to their company. It is my belief that Wilshire Consumer Credit improperly and perhaps illegally took this action which has now made it impossible for me to regain ownership and possession of my property. Property which they fully acknowledge is rightfully mine.

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 2018-04-25
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been repeatedly called by XXXX XXXX through a computerized autodialing system. I have attached a file showing all calls I believe were from them ; In the file you will see where I received multiple calls a minute a part and also calls received before XXXX. When I answered these calls, the other end would be silent then the call would end. Many calls later, I decided to confirmed with XXXX, the original creditor, that my debt had been outsourced to XXXX   XXXX. Next, I returned the call to the collection agency on XX/XX/XXXX ; after being told the call was being recorded and the amount owed, I asked where in my contract with the original debtor did I give permission for them to repeatedly robocall me. They would not answer my question so I requested to speak with the supervisor. I repeated this question to the supervisor, and she responded that the contract did not give permission for them to do so. I then asked, " Then when was permission given by me? '' She responded that today was the first time they spoke to me and that I haven't given permission. Next, I asked, " then why am I receiving illegal robocalls? '' She stated an automated system makes these calls to everyone until they are told not to and that this is legal until first contact. This conversation showed not that these calls were a mistake but that they willfully harass all consumers that they are trying to collect a debt from this way. They harassed me in various ways and lied about my consumer rights.

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 2021-04-23
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX CITGO closed the account and cancelled the auto payment feature. I have not missed any payments except for the XXXX payment and that is because CITGO closed the account without my permission. I want any late fees waived and the account re-opened.

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 2023-01-26
Company: Io, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called in today ( XX/XX/23 ) to pay a debt. The total on the bill states the total is {$320.00}. XXXX XXXX said the total was actually around {$320.00} and some odd cents. She said that there is a daily recurring interest, but that was not stated on the bill. She said that I owe {$320.00} and not {$320.00}. She was very rude when I asked if I paid online would I not be charged the {$2.00} plus. She said no and rudely hung up. I only paid {$320.00} online because I don't trust her to process my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX Inquiry : XXXX. XXXX, 2021 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
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: Information belongs to someone else

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau multiple dispute letters in regards to the below accounts onXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,  and XX/XX/XXXX To date, I have not received any investigative results reports for any of the above dispute letters which currently are all in violation of the FCRA bureau response deadline guideline. 

I had filed an Identity Theft report, refer to the attached POLICE REPORT. Please be advised I have a {>= $1,000,000} business transaction in escrow pending but it will be cancelled by XXXX unless these accounts are not immediately deleted. I would prefer this to handled without damages and litigation.

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 2022-03-16
Company: Experian Information Solutions Inc.
State: OR
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name Please delete those accounts, its 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