BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on these accounts. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and was flagged as being past due. The disputed accounts are listed below. 
XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX Balance Owed : {$4900.00}

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 non-monetary relief
Consumer complaint received 2022-11-30
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2022 I redeemed XXXX points for a statement credit in which I was supposed to receive within 4 days, I never received it. I called customer service 10 days later XXXX and they said it can take up to 10 days to be credited to my account, so I waited, still no credit. Next, I called customer service yesterday XX/XX/2022 and they said it would be credited on my payment due date, which is XX/XX/2022. Now that doesn't do me any good since I wanted it to be credited before my payment due date so I could pay off my account and keep it open. 
So, since they are playing games, I already messaged XXXX XXXX, which is covered by Comenity Bank, and asked them to close my account. And like wise I will also close this account, XXXX XXXX XXXX XXXX XXXX, in which I have had for XXXX years in great standing, once they credit it, and I pay off the remaining balance. 
Thank you very much and please stay safe. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24
Company: ATG Credit, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received correspondence from ATG Credit LLC, alleging a debt of {$6100.00} purportedly owed to XXXX XXXX, a entity now under the ownership of ATG Credit LLC. Following this assertion, I promptly initiated a dispute, seeking both a documented agreement and thorough debt verification. In response, ATG Credit LLC forwarded a copy of a bill submitted to my insurance. 

I communicated to ATG Credit LLC that I possess no familiarity with XXXX  XXXX and have never granted consent to engage with their services. Despite this, ATG Credit LLC insisted that the incurred lab work was initiated by my Primary Care Physician ( PCP ). Notably, the bill attributes the request to a doctor who has never served as my PCP. 

Regrettably, ATG Credit LLC continues to demand payment for a debt I assert is neither valid nor legitimate, accompanied by a forewarning that my account shall persist in an unpaid and delinquent status. Subsequent investigations have brought to light a concerning pattern wherein numerous individuals have reported unexpected medical debts from ATG Credit, all associated with XXXX XXXX entity notorious for its involvement in medical fraud. 

This situation not only raises serious questions regarding the legitimacy of the debt in question but also casts doubt on the practices of ATG Credit LLC in conjunction with XXXX XXXX. I am steadfast in my stance that the purported debt is fraudulent, and I anticipate a prompt resolution to rectify this erroneous claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE BEEN DISPUTING THIS CREDITOR ON MY CONSUMER REPORT XXXX, WHICH IS XXXX XXXX, IT WAS BOUGHT BY XXXX XXXX XXXX THEN SOLD TO XXXX XXXX XXXX, I HAD RECEIVED A LETTER FROM THE XXXX XXXX XXXX WITH THIS SAME ACCOUNT ALSO XXXX XXXX XXXX STATING  THAT THESE ACCOUNTS WILL BE DELETED FROM MY CONSUMER CREDIT REPORTS. I AM NOT UNDERSTANDING WHATS THE PROBLEM I HAVE MY PROOF MY LETTER FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS STILL SHOWING AGAIN ON ALL THREE OF CRA, THE U.S.C . 1681 THIS IS A DEFAMATION TO MY CHARACTER AND LIVELIHOOD.

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 2023-03-30
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Regarding Dispute for a payment submitted to the wrong account number to Comenity Bank via Check Number XXXX.See attached cashed check for {$1300.00}. This check was deposited into an account that is not mine. My account number is XXXX the check had a clerical error where 2 numbers were transposed. The check instead was deposited into account number XXXX. This check was sent XXXX and deposited/stamped/accepted by Comenity Bank XXXX. This check was not meant for that account number. I do not have any knowledge whose account that is. This error must be fixed and funds reversed back to me. A dispute has also been opened with XXXX XXXX XXXXXXXX. Dispute reference number is XXXX. Please rectify this situation as soon as possible

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX 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 2022-10-03
Company: Experian Information Solutions Inc.
State: OH
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 the 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 explanation
Consumer complaint received 2022-10-04
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: Personal information incorrect

Complaint:
I sent a letter to remove this personal information and inquiry that 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 remove this personal information and inquiry not later than 4 business days. 
XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XX/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 2023-08-09
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a past due amount of {$1400.00} due on the XXXX of XXXX on my Chase credit card. I started a repayment plan in XXXX to get out from under the past due amount. My payments went up and the past-due amount didn't really go down. I have made XXXX payments already on the XXXX of XXXX and XXXX for {$240.00} and have XXXX more payment scheduled on the XXXX of XXXX. I chose this specific repayment plan to get out from under the past due amount quickly and to avoid my account being closed. The past due amount has barely moved if at all and Chase closed my account anyway. 

The repayment plan was done over the phone and I have not been able to find any documentation of it attached to my account. But, in the description for each payment, you can see they were scheduled by a phone specialist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: CHARLES SCHWAB CORPORATION, THE
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a checking account with Schwab Bank. On XX/XX/2023 I attempted to withdraw {$100.00} from a bank at the XXXX XXXX  in the XXXX. The first transaction failed. So, I attempted to make a second attempt which succeeded. When I got home, I discovered I was charged twice. I promptly reported this to Schwab. Since then, I have been given provisional credits that were then reversed twice. Schwab says they contacted the bank twice and were told that the bank said they were correct. Schwab 's position is that is the end of story and they need to do nothing else. I have asked for some evidence and asked if I could speak to the investigator. They have refused to provide that. I have banked with them for decades and this hardly seems fair. Seems there are likely some type of regulations. Can you help me. I am attaching a message I received from Schwab today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: RIA FINANCIAL
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I set up a transfer using the XXXX  application in connection with ria money transfers on Sunday XX/XX/2022 at about XXXX. The system said the funds would be available in 5 minutes to my receiver in XXXX. 5 minutes pass no update nor was the transfer completed. Several minutes later I get a message from rebtel the money transfer is in progress. I am extremely confused so i contact XXXX  they have no answers. I ask them for updates they can't provide any but they keep vaguely telling me they have contacted their provider but still my money has been deducted from my bank account and I have no updates. 12 hours go by I try to reach their provider ria money transfers and they refuse to speak with me and tell me that I need to have XXXX  on the line for me me to be able to speak with someone about the money they have taken from my account and did not transfer to XXXX. As the 24 period passes since I first sent the transfer XXXX email XXXX  to cancel the transaction and refund my money. XXXX ignores my messages and I can't reach anyone. This is truly a scam, neither XXXX or ria money transfers are responding about this transfer but they have deducted full money from my bank account. I can't get answers, the money is gone from my bank but still hasn't been delivered to XXXX its been 2 days now. This is really unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. The 3 credit Bureaus has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2023-03-30
Company: PRO MORTGAGE ASSOCIATES, INC
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mortgage Lender, advertising on FB about availability of rates for different programs. However, the ads are missing key componets of " disclaimers for eligibility, including the loan amounts, the credit score required to obtain these rates and down payment amount ''. Additionally there are no NMLS # s listed for the Lender or any specific Originators. All of which appear to be a violation of https : XXXX A consistent and ongoing concern with this Lender, polluting the market place with potential falsehoods.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2022-10-03
Company: Experian Information Solutions Inc.
State: AZ
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 Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



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 2023-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES 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 XXXX Account, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My minimum payment for my Fortiva Retail Credit Card is {$63.00} a month. However every time I go to pay my bill my monthly statement is saying my minimum payment is {$110.00} a month. After filing two complaints against Fortiva with the CFPB my minimum monthly payment was reduced to {$63.00}. I was told this back in XX/XX/XXXX by XXXX XXXX a representative from Fortiva Corporate Office.My minimum monthly payment was reduced because I can not/could not pay the prior minimum payment of {$120.00} a month for my furniture purchase from XXXX 's XXXX XXXX which I purchased in XX/XX/XXXX. I was duped into opening a Fortiva Retail Credit Card account by a Sales Representative in XXXXXXXX XXXX XXXX XXXX.Since my minimum payment was reduced in XX/XX/XXXX every time I go to pay my monthly minimum payment to Fortiva my statement is saying a {$110.00} is due. This is not correct my monthly minimum payment is {$63.00} a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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, Account # XXXX. Account name : XXXX XXXXXXXX # XXXX. Account name : XXXX, Account # XXXX, Account name : XXXX # XXXX, Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX XXXX XXXXXXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX. Account # XXXX. Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX. Account XXXX : XXXX XXXX XXXX, Account XXXX : XXXX. Account name : XXXX, Account 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 XXXX 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 response to consumer: Closed with explanation