BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: NY
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 put in multiple disputes no action taken after information verified not meXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$750.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
XXXX {$1100.00} XXXX updated XX/XX/2022 nothing removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Identity Theft and Defamation of XXXX. 
SEE ATTACHED.

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 2022-10-07
Company: Experian Information Solutions 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected from my file right away 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX has a Pre-Qualifying tool online that advertises that you can prequalify without affecting your credit score. Unfortunately for me, I was using this tool for over 1 year. I pulled my credit report recently and noticed I had several inquiries on my report from XXXX XXXX from using their qualifications tool. I contacted XXXX  XXXX with my concerns and was told maybe l used the tool incorrectly. It is impossible for anyone to use this tool incorrectly. When prequalifying, you must enter your information into the fields presented. This tool will then populate what you are qualified for. Once qualified, you select the card and then you select Apply. Unfortunately for me, I was only prequalified for the secured card which I accepted on XX/XX/2021. Each time my score goes up, I always try again but still only qualify for the secured. My issue is all these inquiries that are not supposed to be on my report is appearing when its not supposed to affect your credit score. These inquiries need to be removed because this is real bad practice

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 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 noticed a few accounts on my credit report I do not recognize

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 2023-10-05
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit 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:
Hello dear, I saw 2 weeks ago that my credit card Apple Card is restricted, they restricted my card and I tried many and many times everyday to solve this issue and never happened, they said my account is under review and no estimate time to get it back, I tried like 20 times sending complaints and expedited that and never get any results, I told them I need to use my card and they said you have to wait for complete the review, but they never finished that XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/XXXX, and XX/XX/XXXX, but the bureaus did not remove them, or prove validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: CITIBANK, N.A.
State: CT
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:
I paid a  XXXX  {$750.00} o n    X/XX/17  for  treatment that I was supposed to receiver on   XXXX   XXXX   over the following three weeks. During th e third and final s ession I realized that he was only treating  XXXX  of the  XXXX   XXXX . When I pointed this out to him he jumped up, got my chart and read his notes. He apologized for the mistake and treated the other  XXXX   XXXX . At the end of the appointment I mentioned that we would have to schedul e  XXXX  more appointm ents so that those  XXXX   XXXX  would receive a total o f  XXXX  tr eatments. He replied, " No, that wo n't be necessary. '' When I realized that I had already paid for treatment that I did not get I disputed the charge ( I had paid with m y Visa card ).  XXXX   credited my account {$750.00} " temporarily '' until they could review the disputed charge. They subsequently wrote to me and told me the they had closed their investigation and reversed their credit. They gave me no reason for their decision. I believe I am entitled to the credit.

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 2022-12-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card to care credit for my medical expenses I have never missed a payment and they lowered my credit limit when I wasn't even maxed out on the credit line and now I can't afford my medical procedure. 
This credit card is through Synchrony Bank 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 2017-05-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have  ChevronTechron Advantage Gas  Credit Card. My payment was due on  XXXX   XXXX ,  XXXX , which was a Sunda y ( non-business day )  as well as   XXXX   XXXX   XXXX  , a recognized  US Holiday . I logged into my account today  XXXX   XXXX ,  XXXX  to make my payment as this is the first business day after my due date. My account showed that I had a late fee. I chatted with a Customer Representative who was able to waive the fee however, he argued that payments are due on the due date with no exceptions and there is no grace period. I recited Sectio n 106 ( a ) ( 2 ) of the Credit Card Act of 2009 which states, ( 2 ) WEEKEND OR HOLIDAY DUE DATES.If the  payment due date for a credit card account under an open end consumer credit plan is a day on which the creditor does not receive or accept payments by mail ( including weekends and holidays ), the creditor  may  not treat a payment received on the next business day as late for any purpose. He again stated that payments are due on their due dates regardless. My fee was waived, however, I feel that  Sychrony Bank who issues and manages the Chevron Techron credit card should be reminded of the federal guidelines which they must adhere to. Especially because they are, in a sense, a reflection of the Chevron Techron bra nd.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
TransUnion and XXXX have incorrect amounts, that are and have been paid in full, on my credit report. TransUnion and XXXX have been notified of the inaccurate information at least 4 times for the XXXX XXXX account that has been paid. It should be noted that collections accounts were paid on XX/XX/2022, and that I have subsequently disputed 6 collections accounts with an average of 4 disputes per collection account corrected of inaccurate information. When I filed the dispute for XXXX XXXX, after paying off the account over 45 days ago, TransUnion duplicated the collections account and left it on there even after being notified 4 time through dispute that the original amount has been paid. TransUnion removed the duplicate amount of the full collection duplicated amount, and posted a duplicate XXXX XXXX  account with the difference between the offered settlement, which I paid, and the total collected amount. There is no way that TransUnion could know the difference unless they knew the account was paid. I have it on recording that the settlement offer will reflect paid in full. This in no way justifies TransUnion taking on average of over 4 months to correct inaccurate information. This in no way justifier TransUnion purposely administering targeted discrimination against me. I have filed a previous complaint regarding exactly this scenario. Now we are almost half a year into correcting inaccurate information on my credit report. At this point disputes are incurring me retaliatory charges. I submit that TransUnion and XXXX are engaged in illegal and discriminatory business practices and I desire to follow up to the full extent of the law. If TransUnion and XXXX have inaccurate information, especially after being notified 28 times ( 7 accounts 4 disputes each ), for half the year, then what good are they? Do other people have to file 4 disputes each on accounts paid? Do other people have to wait 6 months to have inaccurate information removed? Are TransUnion and XXXX currently engaged in discriminatory business practices directed at me? Im going to file a complaint with the State as well. This is highly unusual business practices, and the amount of time to correct paid accounts is completely unacceptable. The targeted retaliation is icing on the cake

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 2021-08-31
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked XXXX XXXX XXXX and Experian to remove this credit pull but they are unresponsive. Experian also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2021-08-30
Company: Harris & Harris, Ltd.
State: AP
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated phone calls from XXXX XXXX Harris Law - XXXX. Can not reach anyone by phone on their automated system. Filed a 'do not call ' ask on their website, still receiving calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Kashia Services
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2018- I was loaned {$300.00} via online by XXXX XXXX XXXX. The payments are extremely expensive and due to the recent Hurricane Michael- I am unable to continue making these high interest bi-weekly payments. After researching my options, I discovered that Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money. The current interest rate on my loan is 828.57 % - a significantly higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I started my mortgage on XX/XX/2012. Before I made my first payment, Wells Fargo purchased the loan. I have made all of my payments on time to Wells Fargo ever since. 

I would like to cancel my PMI. I have met the requirements that I have the loan for 5 years and have no late payments. It is my understanding from your site ( https : //www.consumerfinance.govXXXX ) that I have a right to request my PMI be removed when I pay the mortgage down to 80 % principal remaining on the lower of the purchase price or the appraised price ( they were the same in my case ). Wells Fargo insists that I must reduce the value to 78 % of my principal to price ratio. I spoke with Wells Fargo 's mortgage servicing department in XX/XX/XXXX and was told this. I asked to speak to a supervisor and was told I would receive a call within a few days. I did not receive that call. I went to my local branch in XXXX, FL today and the bankers there called the mortgage department. They were told that I had to get the ratio to 78 % and I had no right to seek removal at 80 %. I spoke to XXXX XXXX and her manager.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/ a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a XXXX dollar credit card was used and left a XXXX dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

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 2023-07-25
Company: NRA Group, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a flag show up on my credit report, I called the company immediately asking them about the XXXX repeated marks on my credit report totaling {$8000.00} I asked for a written verification of debt. I gave them my correct mailing address since then I have received no follow up my credit report shows a XXXX point mark and they will not respond to texts, or email, and its been over a month since I requested they furnish proof. The only option on their phone menu is to pay the debt and I have not gotten anyone respond to me at all. I do not believe the stuff is mine I of it theyve given me absolutely nothing. And they threatened to sue me over the phone during the first phone cal when I actually got through

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