BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Good Afternoon, What company, entity, or organization is engaging in conduct you believe violates the antitrust laws? 
XXXX XXXX and Credit Reporting Bureaus How do you believe this entity may have harmed competition? 
XXXXXXXX XXXX  sold several accounts to other Mortgage institutions, which closed the old accounts of several mortgage holders ( me being one of them ) and transferred them to the new mortgage company. 

As a result, it was reported as a closed account to the credit bureaus, which caused my credit score to drop an average of XXXX points. The same is happening for people who sell their homes. With lower credit scores, people now have to acquire less favorable interest rates and terms on new loans and have their existing creditworthiness come into question by other creditors on their files. 

What is your role in the situation? For instance, are you a customer, competitor or supplier? 
My mortgage loan was transferred from XXXXXXXX XXXX to XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX was reported as 'closed, ' which caused my credit score to drop by XXXX points. I am in the middle of applying for a second home loan and was told that my rates will dramatically change with a XXXX point drop on my score. 


I contacted both XXXX XXXX and all credit reporting Bureaus and was told that there is nothing they can do. According to XXXX5 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, the Accuracy and fairness of credit reporting is manipulating and " directly impair the efficiency of the banking system. ''

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 2023-10-15
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Filed multiple disputes and requests to XXXX XXXX for HIPAA authorization forms signed by me in wet ink. Neither the credit reporting agency nor the debt collection company has responded with requested documents per FCRA and FDCPA laws and regulations. This company was also XXXX XXXX with I also sent multiple certified letters to requesting this same information and also recieved NO documents. A cfpb complaint was filed ( Complaint # XXXX ) which XXXX XXXX ignored and this complaint was sent to the FTC.

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 2020-03-08
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 have never applied or received a credit card from XXXX  XXXX  XXXX  on the dates shown.I have never used such card or ever had a delinquent payment with such bank because I dont have a XXXX XXXX   credit card

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 2023-07-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2020-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 2022-11-09
Company: Experian Information Solutions Inc.
State: NJ
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 leased an automobile through XXXX in the year XXXX. The lease agreement term listed was 3 years ending in XX/XX/XXXX. I had reached out to XXXX to discuss the Account status on my credit report as lease terminated balance owing, However the account had been re-aged to show activity as recent as XXXX XXXXThis is a violation of the Fair Credit Reporting act. I was then transferred to a debt collection agency by the name of XXXX XXXX XXXX without being given any information from XXXX. Upon the transfer I was told by XXXX XXXX XXXX that I am not listed as a person to speak to which is odd considering i am the co-lease on the joint account. I was told this by the debt collection agency which is a violation of the Fair debt collection Practice ACT. I was not properly informed due to the fact that I am not even listed as a person to validate the debt with.

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 2022-11-10
Company: Genesis FS Card Services, 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: Account information incorrect

Complaint:
Genesis FS Card Services dba " Destiny '' is incorrectly reporting 30-day delinquency on my credit file. I have made every payment in full and on time to Destiny FS Card Services. 
I formally request Genesis FS Card Services remove the reported delinquencies from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Advance America, Cash Advance Centers, Inc.
State: WV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2022, my father called me to tell me that a company was trying to get in touch with me about a debt I owed. The message they left on my parent 's answering machine implied that I would be served to appear in court in XXXX XXXX, WV if the debt was not taken care of. I called the number that was left in the message on XX/XX/2022 and was informed that two outstanding debts are in default and the loan holders were going to press charges. I was told I could be sued for {$1500.00} or pay them {$650.00} and they could take care of the situation. I asked what debts specifically they were trying to collect, upon ; I was told they were just the legal department of a third party company, and I would have to call Advance America to backtrack the debt. I said I would call them, I looked up Advanced America online, and they are a payday loan service operating out of Indiana, with no branches in West Virginia, where I live. Later that evening, my youngest brother, who I haven't spoken to in years, called me to say they also called him trying to find me. I haven't changed my address or phone number in years, and I have never been contacted my the representatives of any company in regards to Advanced America, as I have never applied or received a " payday '' loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a savings account and a checking account with Bank of America. I went to use my debit card and the transaction would not go through. Now extremely frustrated I spent hours on hold only to be transferred and hung up on finally I spoke with a representative who transferred me to client protection where I was told that my accounts had been closed and that they would get back to me when they completed their investigation. They would not tell me why or give me any other information. So, I went to the Bank of America branch where I had been working with a relationship manager in setting up accounts for clients that I have in conjunction with the Deputy Director of The Department of Economic Security who together we helped clients who could not navigate through the process for many different reasons receive their PUA Benefits. All of which signed releases of information, financial agreement 's, and power of attorneys so they could deposit their first checks into my account and I would disperse the funds to them as needed and then I would take them into the Bank of America branch and the relationship manager would open new accounts for them in their name and I would transfer whatever funds they still had with me into their new account and all future payments would be direct deposit. I always went back to the same individual at Bank of America and had asked prior to doing this if it was okay with Bank of America and was told by this same person " We wont have a problem with it. '' Well apparently she was wrong, and this has gone on for just over a year. I called today and was told that it is still under investigation. I told the Representative to go and look at our company website where we have pictures posted of giving an award to the Deputy Director of the Department of Economic security for his and his assistants help in changing lives for the better which is what I strive to do every day in helping my clients fight XXXX XXXX. This is not right one of the deposits that they are holding was my direct deposit paycheck! How can that be investigated. 
Please help me get this resolved, Best regards

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: 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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wayfair closed my account without even notifying me and it made my credit score drop!!! The creditors are intentionally trying to keep me in subprime loans at high uncapped interest rates and have been for thirty years!! I work for the government! I know my balance is high but I pay my payments timely!! They are just mad because I have deferred interest and they are not making a huge profit off me as I am not paying off the balance and purchasing more and more! I only buy what I must to get by as a twice widowed mother that is all I can afford! I already disputed with XXXX and they did nothing less than a week letter sent me notice it was accurate!! Shut these crooks down they are working together to ruin everyones credit so that they have to pay unregulated usury interest rates!!!

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 2021-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted both XXXX XXXX ( original said Creditor ) as well as the collections agency Portfolio Recovery about the debt that theyre saying is mine. I immediately contacted them both upon the collection account hitting my credit in XX/XX/XXXX for {$3300.00}. The debt has never been an Account on my credit report at any time since it was supposedly opened in XXXX. The verification the collections agency sent me in the mail was missing a bunch of information including XXXX room history. XXXX XXXX was not able to provide me any details saying they sold the debt so I had to work with the collections agency. The credit account is not mine! I filed a Fraud dispute with XXXX XXXX in XXXX and never heard back from them validating the debt. The debt is 7 years old and no one can validate its mine. I never have worked with XXXX XXXX in my life. Theres not credit reporting on my credit file ever with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 am a XXXX  father with an XXXX  son. I constantly need to buy clothing for my son. One of the stores I frequently visited was Carters. Almost every time when I paid for my merchandise, the cashier tried to convince to apply for a Carters credit card. They gave me a number of reasons for having the credit card, such as discount on the first purchase and accumulated credit points for subsequent purchases. I declined and I told them I did not want to carry any overlooked balances on my credit card. They latter assured me that would not be a problem because I could pay off immediately any credit card balance at the point of purchase with cash. I told them I would have the card if that would be the case. Thereafter, I paid cash every time I made any purchases. Nevertheless, in XX/XX/XXXX, I received an invoice from Carters with an overdue balance of {$45.00} on an original purchase of {$21.00} made on XX/XX/XXXX. That is, there was an additional charge of {$23.00} ( penalty plus interest ) on the top of the {$21.00} purchase. I called Carters and complained. A person from Comenity Bank ( the finance partner of Carters ) answered and asked me if had any proof of paying the original payment of {$21.00} at purchase. I told her that this was a small amount and I possibly paid cash and might not be able to locate the receipt even if I kept it. However, I was sure I paid the {$21.00} before they allowed me to leave the store. Further, that was what I did all the time. The Comenity bank person said that they would investigate. However, they kept mailing me letters asking me to show them proof of payment of the original purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am self employed the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following account Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX  XXXX I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB 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 2020-12-17
Company: Better Mortgage, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX/XXXX/20 I applied for a mortgage refinance with Better.com Mortgage Company. They issued a Loan Estimate and I asked if they could match or beat the total costs of 2 other Loan Estimates I received from other mortgage companies. They said that they could and would. 

XXXX/XXXX/20 When I went to review the Loan Estimate again, it had been updated and they stated that I had asked for a change in loan terms. I had not. When I asked for an explanation of why the Loan Estimate had been revised, they cited that rates change twice daily and they only hold the pricing on the Loan Estimate for one day. When I asked about the 10 business day requirement for lender to honor the terms of the Loan Estimate, they again stated that the pricing would continue to change unless I locked in the rate. 
I asked to speak to a manager or a compliance officer and the manager reiterated the same thing about rates changing twice daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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: Credit inquiries on your report that you don't recognize

Complaint:
Here are a few inquiries that I do not recognize Please can you remove them from mine? 

XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX  ( Bank ) XX/XX/2022 XXXX XXXX XXXX XXXX. ( Bank ) XX/XX/2022 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 2023-01-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting an account to all XXXX credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the XXXX credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 2 different dates of last payment between the credit bureaus XX/XX/2019, and XX/XX/2019 this account is re aged.they are reporting 2 different high credit amounts {$3700.00} and {$2600.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: EQUIFAX, 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 a victim of identity theft. I have am submitting my compliant myself, no outside agency or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted the 30-day late payment.

Company response to consumer: Closed with explanation