BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
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:
To whom it may concern, I am fully aware Transunion has had two separate computer glitches in XX/XX/XXXX & XX/XX/XXXX that cause all my inquiries to get deleted. Due to the circumstances that those computer glitch was TransUnion 's problem - not mines - which caused my inquiries to be deleted. Later Transunion added them all back onto my credit report and failed to give me the legally required written notice 5 days prior to them re-adding the inquiries. I am well aware of my legal rights and legal protections. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added on numerous occasions. These inquiries add a hardship to my life and my rights have been violated by TransUnion. Please help me make TransUnion stop victimizing me. As a resolution, I ask that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added. I demand TransUnion not to be allowed to mock the CFPB 's authority by ignoring my 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 explanation
Consumer complaint received 2020-01-21
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting a fraudulent account to my credit report. I did not open this account, someone else opened it in my name and got it charged off. I have never opened an account with XXXX XXXX XXXX and this is not my account. I need this removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Certegy Holdings, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Certegy continues to try to collect on a debt that is not owed. This is my final complaint before I contact my Attorney on Tuesday and file suit against them, their collections department, and XXXX. I have already contacted XXXX and was assured that the issue was handled and that Certegy would be contacted. Apparently this hasn't happened. I am attaching an email that was sent about 2 months ago and the response from XXXX XXXX CEO Office. Certegy states that they investigated a matter ... they haven't, because I am not going to provide a DL Number or any other information to help them verify something that they should not already have. I have already stated on a recorded line that the DL number and SSN is not mine. That is more than enough. On behalf of the FDCPA, I have grounds to sue because it is on them to prove that this debt belongs to me, which it does not. They have not done so and the burden is on them to prove that with the information provided, which they have not done so. I do not owe anyone any money. I am not giving my personal information while they continue to have security breaches. The next person that they will hear from is my attorney if this isn't resolved asap.

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 2020-12-02
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I consolidated my student loans many, many years ago. When I consolidated the loans, I made one payment to the servicer, Mohela. I have documentation which shows that when consolidated, there is one loan. Mohela is showing on my credit reports between 9 and 13 delinquent accounts under account number XXXX with the 3 reporting agencies. 
In XX/XX/2017, I filed bankruptcy, as a result of my divorce. I had never been late on my loans when in fact, I was on an income contingent plan and there were no required payments. The balance due is correct in total. 
The portion that is not correct is that I no longer had, at that time, XXXX student loans. I only had one. The loans were all consolidated into one loan. I reviewed the consolidation process with Mohela and the Department of Education, each states that when loans are consolidated there is one loan. The loan statuses should show, paid for all of them with the exception for one loan totaling {$49000.00}, which is currently included in my bankruptcy. 
I have been placed on long holds and transferred from one department to another with no resolution. Finally, I disputed the loan statuses with the credit bureaus but there has been no change. 
I would appreciate any assistance. I do not want to dodge the loans but the information should be reported correctly. The way that this is reported, is as if, I am blatantly disregarding payment of the loans. I want my report to reflect the truth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a loyal XXXX  rewards credit card customer for 4.5 years. This card charges an annual fee of {$49.00} but it includes a free night in an XXXX hotel so I consider it an even trade. 

Due to COVID I was unable to use our free night from XXXX as it expired in XX/XX/XXXX. When my statement came in with the annual fee notice, I paid the fee because I did not want any late charges and thinking I could call them later and get the fee refunded. 

When I received a new card in the mail this summer, it was a reminder that I needed to inquire on the fee. When I finally called in to inquire about refunding the fee not only was I told it was too late to refund the fee but I also discovered they had cut the credit line on the account. The letter with the new card had a credit line 2x higher than the amount given on the phone so my credit line had been cut in half.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I currently have two credit cards with Chase bank that both have an annual fee. I recently applied to have Military Lending Act benefits applied to these accounts starting on XXXX XXXX, XXXX since this was the compliance date for eligible credit card accounts. Both these accounts were opened in XXXX and I started my enlistment in the military in XXXX. I am currently still XXXX XXXX without a break in service so I know Service Members Civil Relief Act does not apply. 

I reached out to Chase via secure messaging and they responded that my accounts did not qualify for Military Lending Act benefits because they did not originate on or after XXXX XXXX, XXXX. My response was to question this date because it is not outlined in the guidance that I found online via the FDIC website and the Comptrollers Compliance handbook. Additionally, I specifically asked where the federal guidance stated that credit cards had to be opened after the compliance date of XXXX XXXX, XXXX. 

The way I read the guidance a credit card is eligible for Military Lending Act benefits if it was opened after the service member joined the military. The bank was not required to evaluate and apply these benefits to these credit cards in regards to interest and annual fees until XXXX XXXX, XXXX. I explained this several times to Chase via secure messaging and to a military account specialist via telephone. Their response was that their lawyers had looked into it and that they were in compliance. They also said they have no control over applying these benefits to my account, that the account is evaluated for them when it is opened. I said I am asking for the benefits now since I was not aware that my account was eligible until now and that they would have never looked at these accounts for eligibility because they were opened before credit card accounts we added to the Military Lending Act. They simply responded by saying this only happens if I opened them after XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 reported identity theft due to a collection on my reports previously and it was removed from Transition and XXXX, XXXX  refuses to remove it from my report. I was somewhat relieved that I could move past this issue of identity theft. Another three collections appeared on my report, which has caused more turmoil and distress in my life. I would like these removed within 14 days of receipt.

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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
For years I have been battling all three credit reporting agencies to have child support account deleted I do not owe child support ; this account does not belong to me and further more child support cases do not have contracts, amounts owed for services or product. I have written, called, email and went into child support office as well as all three credit bureaus to get this account removed from my credit file.

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 2020-05-20
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:
I checked my credit report today XX/XX/20 because I plan on refinancing my auto loan soon however, I saw several accounts on my report that I never opened. They are from several different companies that I am not affiliated with in any way. I don't know who opened these accounts in my name without my permission but I did not gain anything from them such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. I do not have any written/verbal contract with any of these companies and I did not give them permission to access my credit file. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Acim acredit FKA they are scamming company and they keep harassing me making threats calls costly 10 to 12 times a day making threats and I'm sick of this here and need to stop and I need to take this off my credit report before I go file a identity theft they scam you into a accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( XXXXXXXX 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 602 A section 2, it also states a consumer reporting agency can not furnish an account with out my written instruction or consent.

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 2018-03-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX California XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX Balance : $ XXXX : XXXX DOB : XX/XX/XXXX To Whom It May Concern : XXXX XXXX XXXX I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 


XXXX XXXX XXXX, XXXX Without Prejudice UCC 1-308 )

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 2018-09-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX, XXXX # XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I received a warrant in debt to appear in court XX/XX/2018 for XX/XX/2018. I never received any notifications of this action being taken against me nor have I received any communication from the bank to claim the debt or allow me to request validation, dispute, or come to an agreement. I never received anything from their attorney ( listed above ) as well prior to the warrant in debt notifying me that this action was going to be taken. I was working out of state as I do XXXX XXXX using my parents address as my tax home. I have had inadequate time to contact an attorney or prepare for a trial myself. It has cost me in travel time, financially, and personally in having to manage everything in such short notice coming from CA to VA to appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I received a notification from Experian, XXXX, and XXXX notifying me that an update had occurred on my credit report. After logging in and checking the update I was alerted that my credit score had drastically dropped and 8 of my XXXX XXXX XXXX XXXX had been updated to show late payments as of XX/XX/XXXX. I contacted each bureau and was told by each one basically the same thing that the creditor reported the update. I then proceeded to contact the creditor, XXXX XXXX XXXX, I spoke with a CS agent by the name of XXXX on XX/XX/XXXX at XXXX. After verification of all my personal information I informed XXXX that according to all 3 credit bureaus my account had been reported as of XX/XX/XXXX as a late payment and it was negatively affecting my credit which i was working to restore. XXXX then informed me that according to my account they had NOT updated this information with the credit bureaus and because my accounts were included in my bankruptcy they could NOT update ANY information on my accounts with the credit bureaus. I asked her could i have this in writing since the bureaus were giving me the run around about it and she informed me that just as they could not give ANY information to the credit bureaus they could also NOT provide me with anything in writing. She said they could only send a letter to the attorney that handled my bankruptcy case. I informed all 3 credit bureaus of this and they still REFUSE to accurately update my account so this negative impact will be removed from credit reports.

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 2018-03-05
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX attempted to collect a fraudulent debt ( including several other collection agencies ) reported by XXXX XXXX Bank to the major creditor reporting agencies in the amount of {$660.00}. 

Under the Fair Debt Collection Practices Act., the collection of said debt on XX/XX/XXXX has been disputed and validation of the debt was requested. 

Although the debt was removed from my credit file after the seven year derogatory reporting period in XXXX ( adversely affecting my credit file ), the fraudulent account remained in collections for an extended two year period. 

The original creditor has refused to negotiate a settlement and all collections agencies involved have yet to verify the debt of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
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: Information belongs to someone else

Complaint:
I have disputed these accounts because they are all inaccurate, incomplete and unverifiable. After 30 days of waiting, all the credit bureaus completed their investigation and all came to say that these accounts were verified. 

in my request, I demanded documentation to verify these accounts, but none of them provided any type of documents. Under the 609 FCRA, credit bureaus are required to have the original consumer contracts, which they did not provide. 

Moreover, all the 3 credit bureaus verified these accounts to be correct but when looking at these accounts, they are all reporting differently. For example Equifax confirm an account which was opened on XX/XX/2013 and XXXX  would also verify the same account to be accurate but the account shows it was opened on XX/XX/2013. 

The same account is showing late on Equifax, but on time with XXXX. Who is right and who is wrong? 

If an investigation was conducted, I need the names of people they spoke to, their phone numbers, the time and dates, also I need the original consumer contract bearing my signature that they all have on file. 

This is my last attempt to try to resolve this amicably. I need these accounts immediately removed from my credit report without any wait. 

My next step will be a lawsuit if this is not fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I contacted Barclays on XX/XX/XXXX to report that my card was stolen and three transactions were identified as fraudulent, the three transaction amounts are : {$230.00} on XX/XX/XXXX, {$86.00} on XX/XX/XXXX and {$440.00} on XX/XX/XXXX. My old account ending in XXXX was closed and a new card ending in XXXX was issued. The {$440.00} transaction was removed and did not post to my account statement that ended on XX/XX/XXXX but the remaining two transactions of {$230.00} and {$86.00} posted to my new account ending in XXXX even though these are identified as fraudulent transactions. I contacted the bank three times to have these two transactions removed or credited temporarily due to it being fraud. The bank unfortunately has not been able to investigate these transactions after almost 30 days has passed nor have they posted a temporarily credit while they investigate the transactions. I want to pay my statement balance in full but it is irregular to pay the amounts that includes the two fraud transactions that does not belong to me. The bank says they are experiencing heavy fraud claim volume as the result for the delay but I can not wait any longer since Interest charges will accrue if I pay the amount minus the fraudulent amounts. I hope the bank can fix this issue as quickly as possible. Thank you.

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 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I do not recognize three of the hard credit inquiries on my report. These are XXXX XXXX via XXXX XXXX from XX/XX/XXXX, XXXX XXXX from XX/XX/XXXX, XXXX from XX/XX/XXXX, and XXXX XXXX XXXX from XX/XX/XXXX. 

I also reported an account on my report titled XXXX XXXX XXXX XXXX # XXXX '. This is not my account, and I am not responsible for it. 

I sent a letter to TransUnion to request the removal of the incorrect inquiries off my report. They failed to respond within the 30 day time-frame allowed under the FCRA. TransUnion is now in breach of the law by continuing to report the aforementioned derogatory information on my credit 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 explanation
Consumer complaint received 2018-07-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XX/XX/2018 my money is being held due to my opening deposit of XXXX being return do to bank error I had two other deposit to enter the account from debit transfer and USBank is refusing to give me my money and is holding my money

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