BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
Company: Reese Law Group
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There was a lawsuit Reese Law Group on behalf of XXXX XXXX XXXX sued my son and I over a multi-car accident. The judge proposed decision to {$8300.00}. Then, it was modified, because my liability was limited to {$5000.00} in economic damages and {$1800.00} in non-economic damages. A total judgement was entered for the amount of {$8200.00} on XX/XX/XXXX. 

I called Reese Law Group many times to settle it. They gave me a direct line to a person that was handling my case. I called her many times and left her voice messages, but she never called me back. She picked up a phone two times and she said that she would call me back, but never did. 

In XX/XX/XXXX, I received a letter from county of XXXX stating that a lien was filed on my name and my son 's name. I emailed the judge and asked him for help. He suggested that I call XXXX XXXX XXXX directly. I called XXXX XXXX XXXX XXXX and left her a voice messages, she did not call me back. 

On XX/XX/XXXX, I received an email from Reese Law Group supervisor and he said that I need to pay amount with accrued interests in the amount of {$590.00}. I explained him that I had tried contacting them to resolve, so the interests should not be charged, but he declined it. He said that if I don't pay, they are going to more damage that they had done. So, I decided to pay and deal with interests later. Then, he twisted the judgement language and said I owe them {$8800.00} and my son owes them an additional {$1600.00} and to satisfy the judgement they ( XXXX XXXX and Reese Law Group ) will need {$10000.00}. If not, they will do more financial damages to us. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
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: Problem with personal statement of dispute

Complaint:
Hello, I would like to make a complaint on how the XXXX  and Transunion credit dispute personnel are not doing a proper investigation on my credit dispute. XXXX  however, is reporting correctly, after disputing with them. 

This is also the 2nd time I have disputed with XXXX and Transunion with additional information from my bank as well. Disputing multiple times has caused my credit score to drop. 

The dispute is over a late payment that I have with XXXX  XXXX XXXX on an account that was closed back in XX/XX/2017. The late payment was XX/XX/2017 when the account was closed. The issue is that I have had a {$0.00} balance and the account was fully paid off yet I was still reported as having a late payment during the time of having {$0.00} balance. 

I have even talked to XXXX  XXXX XXXX representatives who state that if the balance was {$0.00}, it is impossible to get a late payment. Unfortunately, they can not send me any documents about my account because it was closed years ago, and they don't have access to it. 

The credit bureaus report on having a {$0.00} balance but somehow fails to recognize that the late payment was during the time of {$0.00} balance so I don't understand how it could be late when nothing was owed. 

Thank you for reading,

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 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Credit Report Hard XXXX Hard XXXX  Hard XXXX  XX/XX/XXXX XXXX XXXX XXXX / Credit Report Hard XXXXXX/XX/XXXX XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX7 XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX Credit Report Hard XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Credit Report Hard XXXX XX/XX/XXXX,XX/XX/XXXXXXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX XXXX Credit Report Hard XXXX Hard XXXX  XX/XX/XXXX XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX  Credit Report Hard XXXX XX/XX/XXXXXXXX Credit Report Hard XXXXXX/XX/XXXX XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Report Hard XXXX  XX/XX/XXXX XXXX XXXX XXXX I have a fraud alert on my reports because XXXX was hacked and my information was given out. I didn't make these inquiries or even start any of these.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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: 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: Reporting company used your report improperly

Complaint:
So I sent a letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with a third-party Entity. Clearly, this is a violation of my federally protected rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/19 I applied for a JCPenney account and was told by the store clerk it was denied. I received a letter from Synchrony Bank stating that I was denied due to " a prior unsatisfactory obligation with Synchrony Bank. '' I reviewed my credit reports from all 3 credit reporting agencies and found no unsatisfactory obligations with Synchrony or any other agency on any of my reports. On XX/XX/19 I wrote Synchrony back and informed them of this. As the ECOA allows, I disputed the accuracy of this information and requested any information Synchrony used to base their decision. I then received a second letter from Synchrony stating that " some of the information used to make the decision was based on information obtained from my credit bureau. '' Synchrony did not give the name of the credit bureau or explain further why I was denied credit as required in the ECOA. Additionally, Sychrony did not comply with the ECOA in that it failed to : If a lender rejects your application based on your credit report, the lender is also required to { copied from consumerfinance.gov website } : *Provide you the numerical credit score it used in taking the adverse action and the key factors that affected your score *Give you the name, address, and telephone number of the credit reporting company that provided the report *Tell you about your right to get a free copy of your credit report from the credit reporting company that provided it within 60 days of your adverse action notice *Explain the process for fixing mistakes on your report or adding information to make your report more complete Given that I have credit in the " very good credit '' range with all reporting agencies, and have had no trouble with obtaining credit from other sources before or since, I believe that Synchrony denied my credit application based on some other reason they do not wish to disclose as it is in violation of ECOA.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
these are clear violation my consumer right under U.S Code 1681a 15 U.S 1681 a1 and also 15 U.S CODE s1666B please reverse THESE LATE PAYMENT FROM MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$2500.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$910.00}.

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 2023-02-16
Company: EQUIFAX, 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:
XXXX XXXX XXXX is UNLICENSED as a debt collector in the State of Florida. Per The FCCPA, it requires all debt collectors to be registered with the State of Florida. Florida Statute 559.553 Florida Statue 559.553 states Registration of consumer collection agencies required ; exemptions. ( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. ( 2 ) Each consumer collection agency doing business in this state shall register with the office and renew such registration annually as set forth in s. 559.555. I am a resident of Florida and currently my rights are being violated. I have attached my drivers license and utility bill as proof of residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CITIBANK, N.A.
State: TN
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 have a CITICARD CBNA card with my brother. The account has been paid in full and CITICARD has notified the appropriate credit bureaus that the account has been paid in full, but only on my brother 's credit bureau accounts. The account has been paid in full for some time now. On my credit reports CITICARD CBNA are still reporting a balance of {$1100.00} with a limit of {$5900.00}. I am trying to obain a mortgage but this account and XXXX  are negatively impacting my ability to obtain that mortgage.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have two credit cards with Citi. For some reason there was a fraud alert from XXXX, which I already fix and citi does not want to acknoledge. They cut my credit limit down and affected my credit score on the limits. I am already paying one credit and told them to increased the credit on my other card. They refuse. I try two times to get it fix But the credit card customer service told me no. Even when I told them that I need it speak to a manager. It was denied. I am trying to increased my credit because of that fictitious fraud alert that XXXX  did to me and I can get it fix. So I am writing this complaint against citi cards. 

Citibank XXXX XXXX XXXX XXXX, KY XXXX Citibank XXXX XXXX XXXX XXXX, AZ XXXX The number for our Customer Service team is XXXX ( TTY/TDD : XXXX ). This department is available 24 hours a day, 7 days a week.

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 2023-02-16
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I am a victim of identity theft and my information and my identity was used to make accounts and inquiries in my name Ive also made a police report and sent that to them also but they still have these accounts on my credit report which had effected my life can someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Conn's, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Loan Opened XX/XX/XXXX for couches and entertainment set. ( cohns home plus ) Paid XXXX $ monthly. at 0.0 % interest. I had a previous balance of XXXX $ that I was told that would roll over onto one account ( opened XX/XX/XXXX ). 
Come XX/XX/XXXX I was having excessive collection calls on both my phone and husbands phone 6-10 times a day each sometimes back to back, regarding balance from " closed '' account, {$500.00} balance. and current balance. 

Example : loan due XXXX of every month. today is XX/XX/XXXX 3 days past due and we have had 20 phone calls in the last 2 days. 
I have made 2 different attempts to file complaints and have been told that the company has no control over phone call limits. I have asked to speak with the legal department and keep getting routed to customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-03-14
Company: Torres Credit Services, Inc.
State: IL
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:
15 usc 1681 section 602 state i have the right to privacy. 15 usc 1681 section 604 A section 2 it also states a consumer on cant furnish an account without my written permission. 15 usc 1666B a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late purposes. In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Friend paid me via friends and family option in PayPal. Two transactions on XXXX in the amount of {$10000.00} each. When the funds hit PayPal account a fee ( {$290.00} for each transaction ) was charged. I immediately ( within 2 minutes ) refunded the money and called PayPal to indicate a mistake had been made. They processed both refunds and refused to refund transaction fees. They indicated a XX/XX/2019 change of terms was emailed to users indicating a terms of use change making all fees non-refundable. I never received this notice and believe this is an unfair consumer practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On or around XX/XX/21 I tried to use my card and found my account hand a zero balance I inquired with the bank and found out the {$40000.00} dollars in my account had been transferred out of my account into a unknown saving account.I didnt make this transaction or have a savings account I tried to submit a claim with Bank of America under claim number XXXX I spoke with XXXX at Bank of America and she said XXXX admit someone had recently added or updated your security questions and it was not you they said since then they have updated their security for your account and advised you to log on to online website and use the forgot user name and forgot password method so you can see a different user name has been previously added to your account

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
Re : Dispute of Auto Loan Account, XXXX XXXX Account Number : XXXX To Whom It May Concern : I am writing to formally dispute the information reported on my credit report regarding the auto loan account with the account number XXXX. I believe that this account has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. 

Though the auto loan has been paid off, it shows 2 late payments that I was never aware of. It wasn't in my hands once the auto company took responsibility to pay off the rest of the debt owed. This account was reported on my credit report without my full consent to begin with. Which is a violation of my rights as a consumer. 

I understand that under the FCRA, you are required to investigate and respond to my dispute within 30 days of receiving this letter. I also have filed a complaint with the Consumer Financial Protection Bureau. Please notify me in writing of the results of your investigation, and when the information is found to be inaccurate, please remove it from my credit report completely. 

I appreciate your prompt attention to this matter and your commitment to ensuring the accuracy of the information on my credit report. 


Thank you for your cooperation in resolving this matter. 


Sincerely, 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