BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: IL
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:
Pursuant to METRO 2 CODE 15 US 1681, Which states that Credit Reporting Agencies needs to have my written permission to report this account on my behalf. THEY DO NOT OR DID NOT REACH OUT TO ME FOR PERMISSION. Please Delete. " Verified '' means that they conducted an investigation and spoke to family and friends which they DID NOT. Please Delete. 

Account - XXXX XXXX  reporting in XXXX Credit Bureau and Experian Credit Bureau. Please Delete.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/, using TU 's online dispute system, I disputed the amount due on my XXXX card. Thereafter, instead of correcting amount due, TU deleted the card account entirely from my credit profile. This led to a significant drop in my credit score as this was a longstanding card with no derogatory entries. 

I have repeatedly spoken to TU demanding that they re-insert my XXXX account on my credit profile. I have sent them a letter from XXXX stating that XXXX had reported the account balance and payment history to TU. To date, the XXXX card has not been re-inserted. 

I did not request the account be deleted. Rather, I simply disputed the amount shown on the report as being due. 

I have sent a letter directly to TU asking it to re-instate the card. 

To date, the card has not been put back on my credit profile

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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize to open a line of credit with XXXX XXXX, my information was given to them without my authorization by XXXX technicians and used to open accounts with them. This resulted in a Hard Inquiry on my credit and a Line of credit showing up my credit reports, in which I did not authorized.

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 2021-09-29
Company: CCS Financial Services, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to CREDIT COLLECTION SERVICES. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: GA
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
While paying off my Credit cards I accidentally overpaid my Citi Costco VISA. I sent the incorrect amount to Citi by approx. {$7900.00} on or around XXXX. I did not realize this until I looked to set up a payoff for charges I was making during XXXX, that I noticed the credit balance. I was using the card in XXXX and the credit balance is now {$67000.00}. I waited a week after discovering my error as to let any charges go through. Once I was confident there was nothing pending, I phoned Citi on XXXX to request my credit balance returned. The conversation was pleasant and the customer service agent was very helpful and said I would have my funds direct deposited within 3-5 business days. They did not that sometimes these need to be approved by management, however, he said this one looked to be approved. I waited 5 business days and nothing was sent to my checking account. I phoned on XXXX and requested to speak with a supervisor/manager. The manager understood the issue and explained they would expedite the payment and I should receive it within 2 business days. Again everyone involved was very helpful. I waited and 2 business days passed and no funds were deposited into my account as was explained would happen. I phoned Citi on XXXX and again asked to speak with a manager, and went over the whole situation again. It was explained that this refund of my credit balance was being reviewed, however not approved. I expressed my displeasure and explained that based on what I know they are in violation of Regulation Z, as I had given them notification I wanted my funds returned and they are required by law to send my funds back within 7 business days. I still do not have my funds and it is still not clear when these funds will be returned. I will say all representatives at Citi were polite and professional and I did maintain my own professionalism when discussing the issue. It is not acceptable for the bank to keep my funds without a reason or provide a timeframe they will be returned. It should also be noted that the last manager I spoke with put in an executive complaint, however, it is for discrimination. To be clear, I do not feel that Citi was in any way discriminating against me.

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 2021-05-03
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX  and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
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:
These account are not mines. I have disputed them over and over and have sent over FTC report to the credit bureau and notify them to remove this inquiry. Please follow the FCRa rules that states any improper information on my credit should be removed within 15 days immediately I am stating that it is not mind and I am also using legal law to show that it is not mines so please follow this law and remove these inquiries below. I will state each inquiry that needs to be removed. 





( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
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:
XXXX XXXX XXXX XXXX XXXX Sent a dispute out on XXXX XXXX on the The following Account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statue of limitations. 

Ive also noticed on the account there were errors in the ( BALANCE ) & ( DATE OF LAST ACTIVITY ) section. XXXX is reporting a balance of {$290.00} with a date of last activity as XX/XX/XXXX, XXXX is reporting a balance of {$0.00} with a date of last activity as XX/XX/XXXX and Transunion is reporting a balance of {$490.00} with a date of last activity as XX/XX/XXXX now all three of these balances and date of last activity cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It was there duty to ensure that all information reported is consistent and most importantly accurate and they have failed to do so. So i asked that if they could Please DELETE this erroneous item immediately they reported that it was updated but nothing was changed. 

All in all theres plenty of discrepancies on this one account alone Transunion is reporting the high balance as {$490.00} XXXX is reporting the high balance at {$0.00} and XXXX is reporting it as {$290.00}. Second is the Dola Date Transunion is reporting it as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Third error is that transunion is reporting the closed date as XX/XX/XXXX but experian and XXXX has no closed date which makes no sense at all if the account status is reporting as a closed/Charge off then whats the closed date? Fourth error is the last payment transunion is reporting it as XX/XX/XXXX, XXXX is reporting it as the same XX/XX/XXXX but XXXX is reporting it as XX/XX/XXXX. The Fifth error is the late payment thats being reported XXXX is reporting that there was no late payment in XXXX but XXXX is reporting it as 30 days late and in XXXX XXXX is reporting 30 days late but XXXX is reporting 60 days and XX/XX/XXXX XXXX is reporting 60 days when XXXX is reporting 90 days but XXXX is reporting 90 days late in fed XXXX. There is so many errors on this one account alone that i distorted and came back verified and updated which you can obviously see was not so there for i believe that they should remove the account from my credit file theyve been reporting wrong information on this account for years

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 2022-12-06
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two of my three mortgages were transferred in XXXX or XXXX of this year from XXXX to BSI Financial. One mortgage became an issue when they did not apply my payment, although I had proof of payment. I emailed the customer service email several times with no response. I continued to try to call but the hold time was so lengthy. I finally got through, spoke to a manager and the problem was resolved. Then my other account began to show past due when I had proof of payment. This account has had multiple issues for months now. I have spoken to so many managers that promise they will see the issue through to completion and then never do. I have emailed them directly, left voicemails on their personal voicemail, emailed the customer service number and never get a response. I finally found a number to get to escalations and worked with XXXX XXXX. He advised me that all of my late fees were waived, I was told to pay {$330.00}, which I did. Today I downloaded an XXXX spreadsheet and it appeared that two late fees that were charged on XXXX and XXXX had not been reversed. I called back in to the escalation department and got XXXX XXXX, who was the last person I spoke to. From the beginning of the conversation, he was condescending and rude with me, said the fees had been removed and my amount due is {$0.00}. He would not give me the opportunity to explain that I believed those fees were in the {$330.00} that I had paid to get everything on track. He continued to scream at me, stating he was " done with the conversation '' and would not listen to me at all. He kept telling me the conversation was recorded. I ask that an execuative with BSI find that recording and listen to the way this person spoke to me. After I told him I would be contacting the XXXX  he calmed down and then realized that ... I was correct that the late fees were not reversed. I can not begin to tell you how many hours I have spent trying to get my BSI account straightened out. The customer service is the worse I have seen in my 25 years of owning homes. I would like someone from the corporate office to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Refer to the attached documents. I request an investigation into these accounts where I have never been late but am being reported as such.

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 2021-05-24
Company: United Revenue Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CMG MORTGAGE, INC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Two years in a row this CMG financial had estimated our escrow wrong. The 1st year for XXXX they were {$250.00} dollars off and it raised our payment {$41.00} a month for a year. The second year for XXXX they are off by {$940.00} that will raise our already raised mortgage payment to {$3500.00} ( it was XXXX with the previous raise for XX/XX/XXXX ) our payments started off at {$3300.00} for XXXX. They cant seem to estimate correctly and now are about {$1000.00} off and this isnt okay. They say its on us. Its not okay they cant use a calculator let alone account for increases 2 yrs in a row and then want to just keep jumping our payment up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Khols close account due to Covid-19 and they are not working with me. The bill gets higher everyone I call. The hardship is high and I am a victim of disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Maximus Education, LLC dba Aidvantage
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I went online to aidvantage website to pay my bill. Clicked pay now, it filled the total due including next month. Backed to main page. Clicked pay other amount and paid the past due. I was then charged and it showed properly on the dashboard. After I signed out. I was charged again, for twice the amount. I called aidvantage where they admitted they are aware of the issue and offered me no recourse for the damage caused by their system other than a refund, once they receive the money. I have had to put a dispute in with my bank and now have no access and I'm overdrawn. This is not my fault yet I face all the pain while they collect on a government contract.

Company response to consumer: Closed with explanation