BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-26
Company: SYNCHRONY FINANCIAL
State: UT
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:
so back in XXXX of last year I bought a computer on XXXX and put it on my XXXX credit card. The guy who sold it to me gutted a bunch of apple parts on it and I took it to apple to check it out and they confirmed there was a Bunch of broken parts in it and bunch of apple parts take. out. I had proof from XXXX sent it on to XXXX and they refused to do anything about it they and I sent it to XXXX XXXX and they still reufsed to do anything about it after proof and everything. so for reason I am still paying for a broken computer this is the XXXX problem XXXX problem is I paid my bill on XX/XX/XXXX on there website eve thing looked good when I paid it so when I called on the XXXX to find out why they never posted my payment they said they never got it so I was upset talked this customer service reps who are very very rude so I paid the payment on the XXXX and asked to remove the late fee they refused take to the managers they still refused. they didn't tell me anything about adding XXXX to the minimium payment so I called on XX/XX/XXXX told them I made my payment the rep on the phone checked it and said I was fine he didn't tell me about the extra XXXX they added to the minimum payment so today they are counting me as delinquent saying I owed another XXXX on top of the minimum payment and they are charging me another XXXX late fee on top of that. so they don't post my 1st payment last month they add XXXX to the minimum and then give me too late fees. I want this whole thing fixed and my XXXX refunded

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Wilber and Associates, P.C.
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call several times a day. Saying there going to take my drivers license and garnish all my checks. 
Saying i owe over {$10000.00} for a very small accident. 

Starting calling XX/XX/2023. Call XXXX and 4 times a day. 

Always threatening to destroy credit and make it where we cant drive to work Want over {$6000.00} down and {$500.00} a month. 
Then offered {$5000.00} down and {$250.00} and month We countered with them to lower and then they say well call you back and then just call and ask for {$5000.00} again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, INC # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCE  XXXX XXXX XXXXXXXX 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

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I found multiple inaccuracies on my credit report from the bureaus, and I am aware that it is your job is to ensure the accuracy of my credit report. 

Account Name : XXXX Account XXXX : XXXX Why is it that this account being reported with 3 different dates of last activity? Why is this account being reported with different date opened? Why is this account being reported with 2 different payment status? Delete the account for inaccurate reporting. 

Once you have finished my request, please send me an updated credit report reflecting my request. 

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 2021-12-07
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:
My credit report indicates accounts and car loans/leases that do not belong to me. Addresses an names. personal information that is incorrect an misleading used to obtain credit, please start a re-investigation an update the incorrect information thats on my credit report! This is causing undie XXXX XXXX  to me and my family in a global pandemic.

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 2021-05-06
Company: Experian Information Solutions Inc.
State: MN
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 applied for and funded a secured credit card on XX/XX/2021. I paid the fee XX/XX/2021. I used the card and paid the balance of {$61.00} on XX/XX/2021. However the company is reporting a balance of {$61.00} and my credit score has dropped as a result. 

The website says the balance will not change until XX/XX/2021. Apparently they closed my statement date not 30 days after receipt of the card, but on XX/XX/2021. They do not report current information. It will change XX/XX/2021. 

I will close this account since apparently it will not help me establish a payment history. Rather it will establish a balance carried since it does not report payments and balances current as of the date of inquiry.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 following accounts have violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 

Account # : XXXX Name of Account : XXXXl Debt Amount : {$17000.00} Account # : XXXX Name of Account : XXXX XXXX XXXX Amount : {$880.00} charged off, {$0.00} balance Account # : XXXX Name of Account : XXXX XXXX XXXX Amount : {$530.00} Account # : XXXX Name of Account : XXXX XXXX XXXX Amount : {$460.00} Account # : XXXX Name of Account : XXXX Amount : {$2100.00} XXXX says not reported but it is

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 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2020-05-24
Company: FISERV INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
I received an Economic Impact Payment card from Money Network Cardholder Services and I phoned the number provided XXXX XXXX but only got recorded messages. There is no phone number to reach a human. 
I want to get the Money Network checks which they refer to and which are referred to on your website, but I have not found any way to get these.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Zions Debt Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Based on the FCRA law XXXX is allowing a company to report a account over ten years old on my report fraudulently created. The debt collector is showing false information stating the account was created in 2022. This is not true. The debt was bought from XXXX for a account created over ten years ago. XXXX refuses to remove this account. Bought by Zion Debt XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Deinde Online Services, LLC
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:
I made final payment to integra credit XXXX. They still continuing to report the account as delinquent/derogatory. I have sent letters to correct it but no changes was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: GA
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 following accounts have violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 

Account # : XXXX Name of Account : XXXX XXXX  Amount : {$17000.00} Account # : XXXX Name of Account : XXXX XXXX XXXX Amount : {$880.00} charged off, {$0.00} balance Account # : XXXX Name of Account : Premier XXXX XXXX Amount : {$530.00} Account # : XXXX Name of Account : XXXX XXXX XXXX Amount : {$460.00} Account # : XXXX Name of Account : XXXX Amount : {$2100.00} XXXX says not reported but it is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX IN : XXXX, XXXX XXXX : XXXX, XXXX  : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I transferred funds from my savings to checking before XXXX. This morning, I get up and see an overdraft fee and was told by customer service that its because I have to transfer before eastern time. In other words, their time. I was told previously to transfer before XXXX XXXX  now they changed it up. That is something new. I have banked with them for years. They did not reverse the fee. They wanted to use one of my {$37.00} that I am entitled to when its their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a third party which purchased my information illegally, is disclosing on my consumer report without my consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Terrill Outsourcing Group
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeated and constant calls and voicemails from them. Theyve now started sending texts to websites I dont know if I can trust or not. They call every single day. I HAVE told a couple of them to stop calling but theres two agencies that keep calling so I dont know which one I told.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: RAB, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX # XXXX This is my second complaint against this company. 
1st complaint XXXX XXXX XXXX emailed me 23 times and threatened to sue me for theft of services and told me I would go to jail for this. 

This was a business loan even though it states in the contract that this is not a loan. But i received money which I started to pay back immediately but then was unable to do so because my bank closed my account for being negative. Because my business stopped operations for the summer due to Covid. I tried to contact them to let them know my business would not be operating for the summer but their website does not have an email address or a phone number listed. They did not 6 months ago and still do not to this day have any phone number or email listed. 

Also, I am not a personal guarantor for this loan. 

This time XXXX XXXX XXXX called me again but she was impersonating someone else. 
She claimed her name was XXXX XXXX. But this was the same person I spoke with last time. She threatened me with the same actions as last time, threatened to sue me for theft of services and jail time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
******************URGENT***************** Hello, I joined Gemini last month. I use the account to purchase crypto currency. The account has had small but steady growth. I recently moved Ethereum from my Gemini account to a XXXX XXXX XXXX. I only mention this because that's the only recent changed. I also always log into my account from my phone or home computer. Both VPN protected. 

Out of the blue yesterday, I went to log into my Gemini account and discovered IT IS FROZEN. For no reason, with no explanation. I have since followed the steps twice to have my account unfrozen. All to no avail. No response from customer service. No urgency to correct the situation despite me not having done anything wrong... Other than possibly using Gemini as my custodian. I never have this problem with XXXX. 

Please help. This is time sensitive. I'm interested in using my funds to mint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon making it clear to the company Experian during my phone call with them on XX/XX/2023 at XXXX Central Time about correcting my personal information, the agents on the call rejected to do so, and I was transferred over and over several times to different people and departments. I expressed my frustration about the company giving me the run around and they said they would fix the problem. Not only did they not fix the problem, but they added more personal information that does not belong to me on my credit report. They were being difficult refusing me when I told them the FCRA stated that information on my credit report must be XXXX percent maximum accuracy 15 USC 1681e ( b ). They denied the law and refused to remove the information after several transfers. I told them that the extra name on my report was not used by me and that it was fraudulent. Regardless of this notice they still refused to fix the problem and told me to fix it myself. I want justice for mistreatment from agents that don't know the rights of consumers in this country. The following information I want deleted as they are not used by me : Please block and delete the following names, I did not authorize these variations of names : XXXX XXXX XXXX XXXX XXXX XXXX My correct name is : XXXX XXXX Please block and delete the following addresses, they are unauthorized and inaccurate : 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 2023-04-07
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:
On XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}

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