BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX, I wired fund to InComm to purchase multiple prepaid XXXX XXXX credit cards. Each card holds {$2500.00} in value. I kept these cards in my drawer to give to my parents on special occasions in the future. On XX/XX/XXXX, I found out someone used the card information on two of these XXXX cards and purchased items in New York , New Jersey and Pennsylvania area in XX/XX/XXXX. 

On the third card, this criminal spent {$1800.00} in XXXX through XXXX, XXXX, only to leave a balance of {$670.00}. XXXX XXXX card put a hold on the card for some inexplicable reason. I called XXXX XXXX and sent a letter to InComm to request a replacement card for the remaining balance of {$670.00} to my apartment in XXXX XXXX. 

In total, I lost {$6800.00}. First two cards were used to purchase clothing and jewelry items from XXXX in XXXX, XXXX  in XXXX XXXX, and the third card was used at XXXX XXXX in XXXX, NJ, and XXXX  in XXXX XXXX. 

I called these venders, but they all said XXXX XXXX has to call them in order for them to release any information on the purchase details leading to the arrest of the criminals who fraudulently used my cards. I also spoked to a detective in XXXX who advised me to report the loss to XXXX. XXXX gave me the transaction ID numbers on each purchase, but the vendors won't release any information on the items purchased or who purchased these items. 

On XX/XX/XXXX, I reported the loss to XXXX ( Case Number XXXX ), but since the cards were pre-paid gift cards, the case is reported as Grand Theft. 

XXXX XXXX XXXX InComm would not make any effort to contact the venders for the disputed purchases on my behalf. The criminals are out there using other people 's card information to make these purchases, causing significant financial loss, and continue to engage in these crimes without being caught by law enforcement authorities. There are ways to catch these criminals by tracking down purchases, but XXXX XXXX XXXX InComm wouldn't help. There has to be a way to stop these crimes. XXXX XXXX / InComms inability to contact the vendors to obtain information leading to the arrest of these criminals make me and everyone I talked to so far suspect that XXXX XXXX XXXX InComm may be involved in these crimes. Or, someone working at XXXX XXXX XXXX InComm can easily obtain personal / card information to make unauthorized purchases. I cant imagine the magnitude of financial damage that had been caused to many innocent citizens like myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-24
Company: Convergent Resources, Inc.
State: CO
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:
2 Separate Apartment complexes XXXX in XXXX Colorado and XXXX XXXX in XXXX Colorado reported evictions under my name. I have never been evicted from any property nor do I have any balances. On my credit report I have XXXX XXXX and XXXX XXXX which state after 2 years should no longer show ... I lived at these apartments XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX ... I have submitted information from both apartments and court documents stating there were no evictions or unpaid balances. These are hard inquires on my credit and need to be removed as well as whatever evictions are coming up under my name-This information is false.This has put me at risk for a current property whom I am trying to lease through. After looking at my credit report there are so many issues that I need help resolving. I have paid off all my collection accounts in full and have requested receipts for the payments.Never received  anything.XXXX XXXX, CONVERGENT OUTSOURCING, XXXX and XXXX XXXX NEVER SENT PAYMENT IN FULL RECEIPTS NOR REMOVED AND CLOSED THE ITEMS PAID.I was told the collection accounts would be not only closed but removed from my credit and marked as paid in full. That has yet to be done also. I have student loan hits from XX/XX/XXXX that are still coming up and I just paid {$12000.00} to XXXX XXXX to take care of almost 3 of the Private Student loans I have. I have utilized my XXXX XXXX and filed disputes but I still see issues and my score has barley raised. I dont know what else to do. I have Supporting Documents I will include as far as the evictions go. I can get bank statements for ALL collections accounts that have been paid in full and the XXXX XXXX payments or whatever I need to do to provide proof these items have been paid. Also most calls say recorded so ALL CALLS made to these companies should be available to replay for proof of what was done and said would be done.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 2022-12-21
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX XXXX XXXX, current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX I have 2 credit cards with comenity bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have all paid these cards for months, I use them and pay, however, in XXXX I downloaded my credit report because Comenity Bank did not report my payments to the credit bureau, I called the bank and they told me that they were changing the system and that I had to errors and they would fix it soon, then they updated the information. Today, XX/XX/XXXX, I receive an XXXX alert where I lower my credit for not paying the XXXX and XXXX card. and always paid them up to date. review and they do not report since XXXX and XXXX respectively. It is as if I did not pay up to date and my credit goes down instead of going up. Please can you help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: BARCLAYS BANK DELAWARE
State: CT
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:
The addresses shown on my credit report are not mine. I've lived in the same address for over 12 years and I've never lived in XXXX Connecticut. I've always lived in XXXX Connecticut. Is this affecting my credit report and is someone else using my identity?

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: 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 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, XXXXXXXX XXXX : # XXXX 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 2019-08-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is deliberately stalling and refusing to address the disputes I have sent by certified mail on XX/XX/2019. I have received multiple notices stating that I need to verify my address and they have provided an address that doesnt match my profile or what I included in the dispute. I have sent a copy of my social security card and drivers license which shows the correct address on there and they are still refusing to look into my disputes. The correct address was also included on the letter and Equifax provided me an address that wasn't even on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
In XXXX XXXX we sold our condo. Settlement date was scheduled for XX/XX/2020. In Early XXXX I applied for and was granted Forbearance from BB & T because I had contracted the XXXX Virus and my husband lost his job. I was given 3 months forbearance so my mortgage payments would not be due until XX/XX/XXXX. In mid XXXX, while still quarantined, I got nervous about the forbearance and decided to pay my XXXX mortgage payment anyway. On XX/XX/XXXX, my husband paid the XXXX payment at the local branch. Then May came around and I worried again about the forbearance, so my husband also paid the XXXX payment on XX/XX/XXXX. All the while knowing we were closing on the sale of this property on XX/XX/XXXX. I had even called BB & T to ask if I needed to pay the XXXX payment. That call took place on XX/XX/2020 @ XXXX XXXX. The woman on the call said I should pay the XXXX payment even though I was in Forbearance. So, My husband went to the local BB & T bank and made the XXXX payment on XX/XX/XXXX. 
When we closed on the sale of the property on XX/XX/2020, we thought all was ok. We paid up XXXX & XXXX mortgage payments. We closed on XX/XX/XXXX. 
On XX/XX/XXXX I started to get alerts on my phone ; the 3 credit bureaus changed my status from pay as agreed to 30-60 past due. That is not true.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-05-06
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to the Credit Bureaus to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete information not later than 4 business days. Ive already included these in my previous Complaint and am including them again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: SYNCHRONY FINANCIAL
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:
Vet charged me for services not given. Service was detrimental to my pet leading to death XX/XX/XXXX charged maximum amount than referred me somewhere else. No explanation of fees or charges by XXXX limit XXXX $ charged it all for XXXX night. Picked him up incoherent and unable to walk. I disputed charge with XXXX spoke to the management of the Vetrenarian hospital. Hospital is XXXX of XXXX on XXXX XXXX. Over sedated saying pet was mean at the time I went to put him to sleep. Indicates mistreatment when they first took him in. Service was not given .should have referred me out and never admitted to hospital as they were unable to give nutritional support through IV. After being in care XXXX day could no longer eat for himself.

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 monetary relief
Consumer complaint received 2018-03-13
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeatedly receiving phone calls from XXXX, Ohio ( XXXX ) area code,XXXX.-XXXX. Please note this is just one number they have attempted to call me on. I have blocked numerous other numbers 's from this same company in reference to a XXXX 'S account over the past 8 month 's. Be advised I have never had a XXXX, S account, this was also explained to the caller the one time I answered but the calls have continued on nearly a daily bases. It was suggested that I file a complaint with the CFPB about these calls. Also note that no message was left with a call back number or reason on any of these calls. 
Below is a list of other telephone number used by this company : 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 explanation
Consumer complaint received 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am so disgusted with this bank and lack of follow up! I flied a compliant nearly a week ago - I never received a call addressing my concerns, just an email acknowledging it! I have called and left messages for the contact XXXX XXXX- who still has not called me back at all! My account still remains with a negative balance. I do not carry negative balance and it is not my fault the account went into default! I had made a request for funds to be deposited into my account on the XXXX of this month which was plenty time for it to go through. I never had an issue before with transferring money so this is a banking error. I am starting to think I need to move my money from this bank- seems like service isn't something provided to all clients unless you got millions in your account. This should have already been cleared up by now. This was a system issue as the system failed to even transfer the money at the scheduled time.

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 monetary relief
Consumer complaint received 2021-10-22
Company: Verisk Analytics Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lundquist Consulting Inc. ( LCI ) reporting a wrong innacurate bankruptcy on my file an they give it to XXXX it should be there it causing me money issues pay more interest for something thats is incorrect sn should be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This account was included in a bankruptcy discharge and resolved in XX/XX/XXXX-XX/XX/XXXX, I disputed this fact with the creditor, with documents yet they keep sending me threating emails. The failed to send me debt validation, just threatening emails and calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign any agreement on. Also being reported on my credit report. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation