BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Bread Financial Holdings, 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: Personal information incorrect

Complaint:
I received a notice on my XXXX XXXX that my account for CB/Torrid was late. I called the company and told them I paid the balance in full, the gentleman I spoke to on XX/XX/23, stated that there was an interest fee of {$6.00} that was left unpaid. I received NO notification that anything was past due. I didn't get a statement or a phone call. He agreed that they had not called me or sent me a statement and agreed to waive the {$29.00} late fee associated with the charge. 

He told me I should call the another customer support line to have them fix the error. When I did contact them, the person I spoke with stated they can not fix the error on their end that I would have to dispute it with the credit bureau, which I did. XXXX stated that the company updated other information but did not removed the late payment stating that it was correct. The only notification I received that there was amount owed was when I got the late remark on my credit. I received no credit card statement or phone call. They failed to contact me, the consumer and I feel they are at fought for not doing their due diligence and I should not be held accountable. Also, by recommendation from the representative of CB/Torrid , I was told the way to get it corrected was by disputing the late payment and I did that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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 non-monetary relief
Consumer complaint received 2019-05-06
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:
Transunion is reporting an incorrect coding of the XXXX partial account number XXXX. This account is being coded as an XXXX when actually this account needs to be coded as an XXXX. ( Please see page 4 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2022-09-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There were purchases made on my Home Depot card that I did not make. I only shop at the Home Depot located in XXXX NY however there were charges made fraudulently online and elsewhere that I have no knowledge of. These charges were made using an email and phone number that is not mine. Home Depot denied my claim.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with XXXX today from Transunion special services department. She has informed me that my account profile has attributes. as she explained there is a lawyer 's power of attorney that has been put on my Transunion credit profile, that being said it blocked me from accessing my Transunion credit account online. That is actually a clear violation of consumer rights mentioned in FCRA law. There is a reason that TransUnion continuously ignores all my complaints and letter to remove ca collection that is not mine and they continually claimed that is verified where the creditors are not even responding. The inquiries that I have which I complained about since 2021 and up to now there are unauthorize inquiries that have been made still this bureau continually promised that their special service agent will contact me after 72 hours or 3 business days. Today, XX/XX/XXXX XXXX from the special service department is my first time speaking with them since last year. I was waiting to be transferred today and XXXX picked up my call. TransUnion kept a collection and inquiries which is the fraudulent activities on my account. XXXX instructed me to send the copy of CFPB and FTC reports that i filed previously and with the copy of this report as well to TransUnion dispute department.

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 2023-07-20
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-10-13
Company: Experian Information Solutions Inc.
State: TN
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: Problem with personal statement of dispute

Complaint:
XXXX would like to know whos been making payments on Regarding Employees from XXXX XXXX. XXXX XXXX XXXX has made false claim that another Corporate Entity name XXXX XXXX XXXX owes? The XXXX XXXX XXXX XXXX was created by the Employees oXXXX Social Security Administration and XXXX XXXX XXXX without a Express Contract Agreement with Natural Living Man the Actual Beneficiary/Administrator over the All XXXX XXXX XXXX XXXX With all due respect, This is a big scam because the non affiliated financial institutions which are XXXX, Experian, and XXXX are getting the profits and Eye as the Natural Living havent received not check and/or payment from the derivatives, assets, interest and proceeds that the Social Security Credit Number has produced! Yet experian sent an email to XXXX stating congratulations on an XXXX  month payment streak. Whos been making the payments and wheres the proof of how, when, where, time, date, day, year and month that the payments are being made? What bar member or public official made the payment and produce the Express Contract that Eye as the Natural Living Private Man have with the acting bar and/or XXXX Member whos a Man and/or Woman?

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 2022-09-07
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-05-03
Company: Experian Information Solutions Inc.
State: MD
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 # 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

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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 2020-01-31
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I tried to apply for the loan refinancing with Quicken Loans. During the process I was quoted misleading loan information and untrue APR provider by the lender. When I entered data into the Loan Calculator the difference in cost came out to be {$14.00}, XXXX. 
Loan agent suddenly put me on hold and came back with a totally different ( higher ) APR than I was quoted. When I questioned the cost the agent blamed it on the confusion and bad phone connection. I have not expected dishonest practices from the major Loan Provider like Quicken Loans and was disturbed at that occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received notification from Experian on XX/XX/23 that they had completed their investigation of a disputed bankruptcy record on my consumer file. Once again, Experian has not provided me the name, address, and phone number of the public record vendor it used to verify the accuracy and completeness of this record so that I may dispute this inaccurate. Experian has already admitted that the courts DO NOT REPORT to credit bureau and that it relies on a " PUBLIC RECORD VENDOR ''. This is a direct and repeated violation of the FCRA. All complaints and evidence will be used against Experian in a federal court if this record is not removed or the vendor information is not released. This will be my final attempt to resolve this issue before it is escalated to an attorney. Please DO NOT send a generic response. I am not requesting the validating of this record ; I am requesting the name of the source used.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: MN
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 am not sure if they investigated the disputed items because there's no changes when I checked my credit report. Under 15 U.S. Code 1692e. False or misleading representations- ( 8 ) they failed to notate the disputed accounts and it was in dispute within 30 days now. Those account are in 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 non-monetary relief
Consumer complaint received 2022-01-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have an ongoing grievance with XXXX XXXX  aka XXXX XXXX XXXX. This company, XXXX XXXX, XXXX aka XXXX XXXX XXXX is claiming that I have an outstanding balance with them, of {$3100.00}. 

I have never entered in any agreement with them, nor have I ever applied for any type of credit with his " COLLECTION AGENCY ''. This company has been FRAUDULENTLY reporting, XXXX, bogus accounts to the credit bureaus, for over the past couple of years. They've reported the accounts, under the name XXXX XXXX, XXXX, once it gets deleted from the bureau, they'll report this BOGUS account, under their " SISTER COMPANY '' XXXX XXXX XXXX ''. 

The companie ( s ), share the same address : XXXX XXXX XXXX XXXX, SC XXXX. 

I have sent them a notarized Affidavit, demanding proof of debt and asking for a document, with my signature, proving that I owe this debt to them. THEY IGNORED my request and have continuously, illegally reported this FRAUDULENT 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 explanation
Consumer complaint received 2024-01-02
Company: Albert Corporation
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2021 my card was stolen. I didn't realize until I went to make s purchase that it was gone. I quickly downloaded the app and contacted them. When we returned back to the hotel I called the police to make a report being the person went to multiple stores using it so hopefully cameras were available. Albert said they concluded no crime was committed and I've been trying to find help every since. They stole over XXXX and Its not fair to me or my children they get away with it plus we couldn't the money stolen. It's really a hurtful and sad situation to endure.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My case numbers are XXXX-XXXX-XXXX XXXX and XXXX-XXXX-XXXX. XXXX. I have additional documents I need to provide but unfortunately I do not have a username and password. On XX/XX/XXXX, XXXX XXXX misappropriated my mortgage payment instead of correcting its system on XX/XX/XXXX, it filed foreclosure proceedings against me. From XX/XX/XXXX until the present XXXX XXXX  have filed false claims using the same transaction on XX/XX/XXXX, as an excuse to financially abuse me. On XX/XX/XXXX, the Federal BR Court held that XXXX XXXX 's claims and filing were invalid. On XX/XX/XXXX, after I paid my property taxes, On XX/XX/XXXX, XXXX XXXX  reversed the payment as well as added a known abuser 's name to the complaint whose name is not on the note. XXXX XXXX  continue to publish a false chain of title which eliminated the first ten pages of the document attached to their false claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: ALLY FINANCIAL INC.
State: AK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We recently decided to sell our vehicle, so we had a buyer and we called Ally Auto to get a payoff quote, the lady at first told me she faxed it. The second time I called they said yes we will send it. The third time I called they said they couldn't because of an error on the account, but they would remove it and get the payoff quote sent to the dealership, I called today and recorded it they said they can't give me a payoff quote because I owe a payment. Then suddenly it was they can't because one payment was sent to collections. The dealership in XXXX Alaska also called Ally, my daughter also called and they are refusing payment.

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 2023-05-16
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: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of this item 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 non-monetary relief