BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
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: Information belongs to someone else

Complaint:
I'm disputing the XXXX account on all credit bureaus for fraud I got a XXXX XXXX XXXX XXXX loan I signed up and got a denial letter saying I didnt get approved and they told me it was XXXX and now there charging me interest on my own money and it shows my contract as closed then they opened it back up and on my debit card and on my profile shows XXXX XXXX XXXX making the contract invalid and should not be on my credit and it says an addendum was added without my consent An addendum is used to clarify and add things that were not part of the original contract or agreement means this is fraud and they been taking my money on the low that's fraud XXXX I also made payments of XXXX since XXXX and the balance is incorrect

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 2020-08-12
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$1900.00} XXXX XXXX {$2600.00} XXXX XXXX {$4400.00} XXXX XXXX {$240.00} XXXX   XXXX {$170.00} XXXX XXXX {$270.00} XXXX  XXXX {$360.00} XXXX   XXXX {$570.00} XXXX XXXX {$710.00} XXXX XXXX {$440.00} XXXX   XXXX {$240.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$3500.00} XXXX XXXX {$2700.00} XXXX XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union and XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit report that do not belong to me in accordance with The Fair Credit Reporting Act.

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 2020-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have repeatedly tried to contact XXXX XXXX about the account that is being reported across all 3 credit bureaus, and the incorrect reporting of missed payments. I have been given phone numbers that no longer work, or addresses that are no longer in service to XXXX XXXX, yet if one wanted to apply for a loan, those services are still available, but corporate will dodge you at every turn. They are reporting multiple late payments that are not correct in any capcity.

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 2020-08-12
Company: EQUIFAX, INC.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$1300.00} XXXX XXXX {$14000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$13000.00} XXXX   XXXX {$480.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$610.00} XXXX  XXXX {$620.00} XXXX   XXXX {$7900.00} XXXX XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Collection Professionals, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020, Collection Professionals called me and said I owed them over {$400.00}, plus interest. I told them that I have been making weekly payments directly to XXXX XXXX XXXX XXXX, because Collection Professionals does not accept XXXX XXXX. The collector said that I still owed them {$400.00} plus interest in spite of that fact. My balance at that time was about {$250.00}. XXXX 's actions amount to illegally charging interest for an amount I don't owe. Their actions also constitute harrassment, since they have nothing to do with me resolving my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
After being enlightened regarding several unauthorized charges on a chest bank.of of America claims to have different policies for its XXXX customers on the prepaid card then it does for its regular customers and honoring provisional credit standards set out for all the population. I asked the question whether we were discriminated against in that Arena I was simply told that they process claims in the order that they received them despite its policy for regular non XXXX folks. Standard 48 hours for provisional credit should be honored for XXXX folks the same as it is for regular folks.

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 2020-01-30
Company: CITIBANK, N.A.
State: VA
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:
On XX/XX/XXXX at XXXX, I called Citi DoubleCash customer service at XXXX to dispute a charge of {$60.00} from a merchant, " XXXX XXXX '', dated XX/XX/XXXX. ( I disputed the charge because I had cancelled my membership with XXXX XXXX ( according to their cancellation rules ) on XX/XX/XXXX, but they still billed me even though I received no products or services from them. When I called XXXX XXXX on XX/XX/XXXX, " XXXX '' told me they would issue a {$60.00} credit back to my DoubleCash MasterCard within 3-5 business days. ) I was connected to a Citi DoubleCash person named XXXX with a very thick ( XXXX? ) accent who I could barely understand. He asked me the same questions repeatedly, such as, " What was the date of the charge '', " What was the amount of the charge '', the name of the merchant, the last 4 numbers of the credit card, my address, etc. He also repeatedly put me on hold to find information. After about 22 minutes, he told me he could not dispute the charge. I then asked to speak to a supervisor. I then spoke to XXXX, a customer service supervisor who also kept putting me on hold to talk to the Disputes Dept. I asked him why he did not transfer me to the Disputes Dept. He could not answer, but transferred me to XXXX in Disputes, who said she would issue a permanent {$60.00} credit within two business days. I thus spent 44 minutes to resolve my dispute, even though I stressed that I needed to get up very early the next morning, and when I should have immediately been transferred to the Disputes Dept. at the start of the conversation.

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 2023-03-02
Company: Bread Financial Holdings, Inc.
State: PA
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:
In XXXX of XXXX, my home was burglarized and personal information along with account details, cell phone and other items were taken out of my home. I reported this to the police and credit reporting agencies. I also reported this to Commenity Bank/ XXXX and provided them with police reports. This creditor charged my account off and sold it to a debt collector. I contacted the debt collector and was advised they investigated and deemed my account as a fraud takeover and stated I was not responsible for the charges and that they are not reporting or seeking payments due to my account being fraudulently used. I contacted Comminety Bank/XXXX XXXX XX/XX/XXXX and advised them of what their debt collector told me. I spoke with an agent who stated her name was XXXX ID # XXXX. She said it wasn't anything she could do and that it will remain on my credit report because their files list it as a charge-off. 
Comminety bank/XXXX is still reporting the account as charged off and it is drastically affecting my credit report, and should not be reporting any charge-off as this wasn't due to my own doing. They refuse to remove the account and continue to verify the account as accurate according to their files, despite knowing the account was compromised through fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: AR
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 bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$370.00} XXXX   XXXX {$36000.00} XXXX XXXX {$370.00} XXXX XXXX {$54000.00} US DEPT ED XXXX {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: IN
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 that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 received a call from a student loan company stating about a debt I owed on tv service. I have never applied for tv service. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$860.00} XXXX  XXXX {$260.00} XXXX  XXXX {$5500.00} XXXX {$210.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$450.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$50.00}

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
Consumer complaint received 2020-01-30
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Cardmember Service is reporting inaccurate on my credit report. It still report as a Charge-Off when the debt on the account was settled in prompt of deletion off my credit report. I dont know how you people determine accuracy when it's a false item on my report & effects me & my family. It doesn't effect CFPB nor Elan. I called the Cardmember Service on XX/XX/XXXX I spoke with a representative who said I owed a balance of {$150.00} but, no further payment was needed & they was going to delete the tradeline. I settled the account back on XX/XX/XXXX of {$350.00} why do I still owe {$150.00}? Negatively reporting as a Charge Off to my 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 2023-10-18
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX Balance Owed : {$0.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXXXX/XX/XXXXXXXX Balance Owed : {$0.00}XX/XX/XXXXXXXX Balance Owed : {$0.00} XX/XX/XXXX XXXX Balance Owed : {$9600.00} XXXX XXXX Balance Owed : {$1400.00} XX/XX/XXXXXXXX Balance Owed : {$11000.00} XX/XX/XXXXXXXX Balance Owed : {$12000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: AZ
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:
Equifax Credit Bureau, received XXXX fraudulent claims that I was late on payments and destroyed my credit score. The companies that gave these false reports are XXXX XXXX and XXXX XXXX XXXX. I had a {$2000.00} loan with XXXX XXXX and when I made the last payment XXXX XXXX claimed I refinanced my loan and that I owed them {$1800.00}. XXXX XXXX could not provide XXXX piece of evidence attesting to the refinancing of my original loan. There is a report with CFPB concerning XXXX XXXX 
I disputed this with Equifax but they wouldn't do anything about it and drove my credit score down to below average. 
The same scenario happened with XXXX Credit Card. I had charged approximately {$1400.00} dollars worth of vitamins from a company called XXXX XXXX. Every payment I made the account balance remained the same and i was paying interest as if I wasn't making any payments at all. This went on for months and the amount owed on this account never went down. I complain to the CFPB and all of a sudden the balance went down to where I had only XXXX payment remaining. XXXX Credit Card contacted all three of the credit bureaus and told them I was over XXXX days late on my last payment. However, all payments to XXXX Credit Card were on auto-pay and the monthly statements showed auto-pay. I disputed this and I provided copies of the monthly statements to each of the credit bureaus and pointed this statement out but they did nothing other than lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Complete Credit Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complete credit solution is the collection agency the original creditor is XXXX XXXX. I took the loan out for XXXX dollars and complete credit solutions is reporting that I owe over 2000 dollars. My second complaint Is that I took the loan out XXXX  years ago so the reporting on that was inaccurate also.

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 2020-01-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Received bill XX/XX/XXXX - Paid bill thru online bank XX/XX/XXXX - Chk cleared bank XX/XX/XXXX. 
Recd XXXX letters on XX/XX/XXXX stating they did not have enough info to post to acct money placed in their unapplied payments account. Form wanted acct # /name/addr/city-state=zip. On XX/XX/XXXX called Cstmr Svc and talked with XXXX people last was a Suprvsr who said she would forward info to correct dept and check on XXXX to be sure it had been handled. Since XX/XX/XXXX multiple emails have been sent back and forth with the last on XX/XX/XXXX stating they were still working to resolve this dispute. Bank has XXXX  as primary so chk was issued under her name ( sans my last name ) addr/cty/st/zip same as what is on their acct. Pointed out imprinted info matched their acct except name but, thru emails they have all info pertinent to applying {$300.00} from unapplied payment account to my account. To date they have been unable to rectify the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In approximately XX/XX/2020, BofA offered me their mortgage suspension program due to the Corona Virus. It is not forbearance thus I declined and have continued to pay on time every month with my latest payment XX/XX/2020. 

On XX/XX/2020 I received a letter from BofA saying Your Next Loan payment is due XX/XX/2020. I intend to continue the payment on schedule for each month regardless of their letter. 

I have tried to call the company and their wait time on hold is said to be 90min. I have tried to use their website and it says it is being re-worked and many options are not available. 

All I want is to understand why I was sent this letter as it appears they are trying to place me on their 90-day payment suspension that I do not want. This is without my consent if that is the case. Unfortunately, without being able to reach BofA I can not verify my suspicion that they are trying to get me on the  suspension program. I do not want on their program.

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 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This account was placed during COVID-19 2020 eviction moratorium and should be removed. Can you assist in removing this account from my credit file XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name 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 non-monetary relief
Consumer complaint received 2019-08-27
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:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$540.00} on XXXX XXXX XXXX partial account number ****XXXX. ( Please see page 15 of the attached credit report. ) I returned XXXX XXXX equipment pursuant to the packing instructions provided by XXXX XXXX, and now they are alleging that I never returned their equipment and consequently I am being sent to collections. I never received credit for returning the equipment. I do not owe this debt. I returned the equipment as instructed, and it is not my fault that the equipment was misplaced at the warehouse/storage facility. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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