BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX Balance Owed : {$14.00} XXXX XXXX Balance Owed : {$46.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$2000.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$1600.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$5700.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance Owed : {$1900.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$1800.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$4300.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$740.00} DEPT OF EDUCATIONXXXX XXXXXXXX Balance Owed : {$200.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$2500.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$980.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$1900.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance Owed : {$1900.00} DEPT OF EDUCATIONXXXX XXXX Balance Owed : {$1900.00} DEPT OF EDUCATION/XXXX XXXX Balance Owed : {$3600.00}. In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct the inaccurate items information as quickly as possible.

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 2021-12-27
Company: Experian Information Solutions Inc.
State: MA
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:
I checked my credit report and there were many fraudulent things on there. So I did a letter disputing these things as fraud and I havent heard any response fixing the problems or making changes on my report. I did my first letter back on XX/XX/2021, disputing 5 accounts and gave them 30 days and I didnt get a response sent out the second letter demanding to delete these accounts immediately. Still no response from them.

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 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

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 2023-09-24
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had 8 accounts with Synchrony accounts- Amazon, Pandora, American Eagle, Crate & Barrell, JC Penney, TJ Maxx, Verizon and Care Credit. I have paid every account on time for years, used the accounts, and even paid over minimum constantly. Synchrony closed all accounts and when I asked why they said I was a high credit risk. They also said I could reapply, which I did for a few, only because I used them constantly. I was automatically approved, which is funny since I am a high credit risk. By them closing my accounts, they have tanked my credit score, and if makes it seem as if I dont pay bills or look bad to other creditors. Something needs to be done about credit bureaus, they affect lives.

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 2021-12-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

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 2023-04-28
Company: Bread Financial Holdings, Inc.
State: FL
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:
On XXXX XXXX, I purchased kitchen cabinets and counter top from IKEA XXXX, using the IKEA Projekt credit card. This card is financed and handled by Comenity Bank. 
The total purchases were {$690000.00}. and charged to my card. Unfortunately, as IKEA was unable to assist in getting their affiliate to facilitate with permits for our condo, the project had to be canceled and items were promptly returned to IKEA and the refund process initiated. 
On XXXX XXXX, much to my dismay, only a partial refund was made for the cabinets in the amount of {$4900.00}. 
However, IKEA neglected to refund the counter top, which was included in the grand total. Upon realizing this error on their part, I had to be badgering IKEA XXXX to expedite the rest of the refund. After the constant back and forth they finally processed the residual refund on XXXX XXXX for {$2000.00}. 
I was in constant contact with Comenity dispute center to acknowledge and process the residual refund but they refused and is now sending me to collections. 
Please, could you help me as they are mindlessly ignoring me and wont address issues. 
Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: AR
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:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement XXXX  days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXXXXXX Balance XXXX XXXX XXXX} DEPT OF EDUCATIONXXXX XXXX  Balance Owed XXXX XXXX DEPT OF EDUCATION/XXXX XXXX  Balance XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX Balance XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance XXXX XXXX XXXX DEPT OF EDUCATIONXXXXXXXX XXXX  Balance XXXX XXXX XXXX  DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX  Balance XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance XXXX XXXX XXXX} DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct the inaccurate items information as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions 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:
My XXXX  who lived with me before be passed away used my phone to open up XXXX XXXX  credit card accounts. They were both paid off and closed and I called XXXX  to explain the situation and ge them removed off my credit report. However, they have sent nothing to the credit reporting agencies to remove them and refuse to flag them as identity theft.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-06
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being XXXX XXXX  of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-05-05
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I'm having trouble with dates because now I'm stuck living in a van pay pal - netspend my wife deposited money to the card for unemployment its been 6 weeks she has been paid back by me the funds were for getting my car from impound deposit went through used card for a small purchase to make sure it worked the next day went to get car didn't work called they froze it because I was primary she was secondarily on the card I'd verification I sent the socuments and called multiple times transferred to multiple departments supervisor fraud department asked for legal department feel like they are just putting someone else on the phone but caused me to lose my car job and place in 6 or 7 weeks wont accept documents after being told in the beginning that they would close the acc and mail me a check waited 14 days called card still active called they said sorry couldnt do it. And the are still taking their fees out but I cant touch it and I have called like 13 or more time 's sent documents 4 or 5 times I'm at a los they already ruined my life I feel like and instead of being able to fix it I'm stuck on a phone on hold with no real benefit card had XXXX dollars on it so I pay for the card the fee 30 days still held hostage except the exception I owe a monthly fee snatch ok were even but who are you again I'm at a loss and don't know what to do

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 2021-12-27
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:
My XXXX  who lived with me before be passed away used my phone to open up XXXX XXXX  credit card accounts. They were both paid off and closed and I called XXXX  to explain the situation and ge them removed off my credit report. However, they have sent nothing to the credit reporting agencies to remove them and refuse to flag them as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX, XXXX, Eperian have reported Unverified Account on my Credit Reports. Please have all accounts Unverified Accounts removed : 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 2019-10-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX, Equifax, XXXX have reported Unverified Account on my Credit Reports. Please have all accounts Unverified Accounts removed : 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 non-monetary relief
Consumer complaint received 2022-12-29
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a list of charges from the payment cards industry ( PCI ). Ive already begun the dispute process, which boils down to a prorated amount of 5 days of overoccupancy, the corresponding fee, and the XXXX utilities and yes admin charges and fees. After several months of asking how these charges were calculated, I still have yet to receive the information for how the charge was even calculated. 

I moved between two XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Because of the split time between the XXXX XXXX lease end date, and the park place move-in date, I requested that my move in date be adjusted as to not leave me homeless for a couple days. The XXXX office agreed to an adjusted date of XXXX XXXX XXXX 

I was initially told to pick up my new keys at the end of the business day on the XXXX, and return my old keys the morning of the XXXX. This meant I had to move 2 years ' worth of my items in the pitch dark. I informed their office this is unfair, and simply asked if I could move my items out first thing in the morning, which I was told was perfectly fine. 

I got a call the morning of the XXXX asking where my keys were. Obviously, there was an internal communication breakdown in the office for nobody was on the same page, and I was doing my best to work with the information I was given. I dropped off my current load of items and went straight to the office. There, I was told that they would not take my keys, because the items in the unit were not out yet. This was the first time I was given this information and was around noon on the XXXX. I politely apologized because I didn't know this and went back to my unit to complete moving out my items. 

By the time I was finished, the office was closed. I returned the next morning when the office opened and was told I had a charge of around XXXX dollars, with no explanation, and not justified by my lease. 

Although the verbal agreement between myself and XXXX explains the situation in full, any dispute will revert to the written agreement I have between XXXX and myself. Even then, I am still unable to find a justification for this charge in my lease. I have asked their office for it countless times over the past several months and have yet to receive this information. 

They are charging me for an event that didnt happen, and consistently lying about it. I need help protecting myself and my credit against this claim. XXXX is no longer responding to my requests, or taking any action to correct the situation.

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 2019-10-02
Company: EQUIFAX, 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:
A few months ago I discovered items being reported to my credit that were not my items ; after reporting them to your office, several of the items were deleted ; however, there have since been new items added to my credit that should not be on there. A police report and FTC contact has already taken place, I'm reaching out to you all again for help. Your help in deleting these items as soon as possible is greatly needed. XXXX XXXX, XXXX, US DEP ED, US DEP ED ( XXXX # XXXX ). XXXX XXXX, DPT EDXXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: ERC
State: PA
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 sent a letter on XX/XX/ to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 usc 1681 s-2 15 usc 1692c 15 usc 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
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:
My XXXX  who lived with me before be passed away used my phone to open up XXXX XXXX  credit card accounts. They were both paid off and closed and I called XXXX to explain the situation and ge them removed off my credit report. However, they have sent nothing to the credit reporting agencies to remove them and refuse to flag them as identity theft.

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 2023-10-27
Company: CBC Companies, Inc.
State: DE
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:
per 15 U.S.C Subsection 1611 Truth In Lending Act Requires creditors who deal with customers to make certain written disclosures concerning finance charges and related aspects of credit transactions ( including disclosing an annual percentage rate ) and comply with other mandates, and require advertisements to include certain disclosures. The Act had been amended on numerous occasions, adding requirements for credit cards and open-end credit ; for mortgage credit such as ability to repay standards, appraisal independence, and mortgage servicing ; and others. A number of laws amending and enforced under this Act are listed separately.

Company response to consumer: Closed with explanation