BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Dear Transunion, I am requesting the removal of this bankruptcy ( below ) on my Transunion credit report due to XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX., v. XXXX XXXX XXXX XXXX XXXX, I did not know the source of their information on the Bankruptcy and due to this, Transunion has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy ASAP. 

Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that this Bankruptcy listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.

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 2021-05-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX University first ruined my credit score by not sending invoices for my student loan, only after I found out through another loan provider that XXXX reported my loan as default. I contacted them, I paid the balance, they issued " paid in full letter '' however derogatory credit rating still continue till this day I notified all 3 Credit Agencies but my credit score continue to drop due to XXXX failure to notify them of my student loan being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Experian Information Solutions Inc.
State: FL
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 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.The information is incorrect .I was never late.

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 2021-05-10
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with harassing phone calls all day long and my wife has been too. Along with threatening voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
the credit bureaus have been directly ignoring my letters and mail and even phone calls for months. I talked to each credit bureau with promises of fixing my issues and still they hane n't done their job.

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 2018-02-01
Company: Atlanticus Services Corporation
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I told the lady I was filing a complaint and she almost laughed over the phone at me because I was asserting my rights. All I was trying to buy was a {$350.00} futon. I get more than enough XXXX to afford it but Im trying to repair my credit. According to the email they sent me I was denied for insufficient income/Low income. According to the FTC website they can not knowingly and willingly deny me credit since my income is guaranteed and it comes from XXXX payments. 

The FTC website also states I can pursue a cause against the company in federal district court for a claim of discrimination and recover punitive damages. I am thinking seriously about it. If theyve done it to me theyve done it to someone else. A violation of this matter the s also a possibility violation of civil rights. For everyones information : to bring a suit in federal district court you need to ask for at least {$75000.00} in damages. 

Regardless how this turns out I will write a notice on XXXX review and XXXX  warning them to stay away at all costs. That you must need to make {$50000.00} to be able to buy from there apparently. The poor and XXXX XXXX arent wanted.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
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: Account status incorrect

Complaint:
I 've been telling TransUnion that these medical things on my report were on my Bankruptcy. I thought they investigated to check accuracy, apperatly not. XXXX/. XXXX XXXX inc is like I said.

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 2017-12-07
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My credit report shows a collection from IC Systems. I have no business with them. They are not licensed in Nevada.

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 2017-12-05
Company: Experian Information Solutions Inc.
State: FL
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:
Dispite my multiple certified letters, disputes, my ID theft report, and my email that I sent to the CEO of experian XXXX XXXX the fraudulent account XXXX XXXX XXXX is still being reporting on my experian credit report. This fraudulent account has been removed from XXXX and XXXX credit report they are no longer reporting this fraudulent debt. I have kept records of all of my disputes and I have kept a copy of my ID theft reports! Experian has not complied with the law section 605B! My attorney has discovered the class action lawsuit that 's already taking place against experian XXXX XXXX XXXX, XXXX XXXX experian. Experian has seriously violated the FCRA laws. I will proceed and file a lawsuit with my attorney! I am well aware of my consumer rights and these are some serious Monetary violations! This is my final complaint!

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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2020-08-29
Company: LEXISNEXIS
State: AR
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:
XXXX  DATA BREACH HAS CAUSED PUNITIVE DAMAGES TO MY LIFE BY ALLOWING SOMEBODY PURCHASE HOME AT XXXX XXXX XXXX IN XXXX XXXX TEXAS XXXX AND KEEPS REPORTING IN XXXX  NEXIS LEXIS AND XXXX  DATA BASES THIS IA FRAUDULENT PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from CREDCO, I never contacted or contracted with this company. I contacted CREDCO by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and

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 2020-10-10
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: Their investigation did not fix an error on your report

Complaint:
Experian credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. EXPERIAN CONTINUES TO REPORT THESE INQUIRES. I was affected by XXXX  data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Experian as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Experian is lowering my score with each credit dispute. 

Rental property solutions Inquiry XX/XX/XXXX Inquiry XX/XX/XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2020-05-06
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
Santander XXXX - This account should is reporting on my credit when I do not owe it as it is past the statute of limitations in Utah. This

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: SYNCHRONY FINANCIAL
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2014 we purchased furniture in XXXX XXXX XXXX in XXXX, Ct ( sales order : XXXX ). Their address is XXXX XXXX XXXX XXXX, XXXX, CT. Phone number : XXXX. 
To induce me to purchase the furniture items the sales person offered us 5 years interest rate free loan in the amount of {$3000.00}. The sales person never mentioned that the interest free period continues only for two years ( we were said that we will pay 0 % for all 5 years ). Recently we discovered that actual interest free period was only for 2 years and that we were charged 30 % interest rate retroactively since the first day we purchased the furniture. 
We strongly feel that this transaction is a fraud by XXXX and by Synchrony Bank which provided the loan. We were charged thousands dollars in interest and fees about which we were not aware and never would assume such a loan if we new that interest rate is 30 % per year instead of 0 % for 5 years as was promised to us.

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 2020-05-08
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I am complaining about Citibank 's penalty of {$110.00} on XX/XX/2019, when I withdrew the CD money right after I finished the 6 month term and they automatically renewed into a new 6-month term with much lower interest rate. 

I opened a 6 month CD with Citi Bank on XX/XX/2019, expecting to mature on XX/XX/2019, by definition of 6-month. To my surprise, it expired 2 days earlier, and automatically renewed into a new 6-month CD with 0.75 % interest rate. This was much lower than before and than competitors ', so I went to the branch to discuss with a banker on XX/XX/XXXX. She said had I talked to her a day earlier, it was still within the grace period, and they could have offered a much higher renewal interest rate for the new 6-month term, but that day I would have to pay penalty to change to the new rate ( at least 1.5 %, but I can not remember clearly ). I argued that I thought the original CD expired on XX/XX/XXXX by definition, so that day ( XX/XX/XXXX ) was still within 7 day grace period. She was empathetic and called Citi Headquarter to try to waive the penalty, but was declined. 

I found 3 fishy practices here : 1. Citi named it XXXXmonth CD : it started on XX/XX/2019, but it matured 2 days before XX/XX/2019. So the customer had a shorter window to respond to its inferior renewal offer. 
2. Citi has 7-day grace period for CD but competitors like XXXX and XXXX have 10-day.  Again, the customer had a shorter window to respond to its inferior renewal offer. 
3. As long as I talked to Citi within the grace period, I could have had much higher interest rate for no cost. Otherwise Citi would silently renew the CD with a very low interest rate. Citi is banking on customers ' ignorance and financial illiteracy to make a profit. 

4 days later, I paid the penalty and withdrew my CD 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 monetary relief
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
This account was initially disputed XX/XX/2020 and asked to validate the information or remove from the report and also to remove the duplicate account with the original creditor and the collection agency. Per the FCRA an account can not be listed by the original creditor and the collection agency once the debt is sold to the collection agency. On XX/XX/2020 I received an update from the Bureau that the account outcome was updated. However they did not provide any information on the method of verification, proof of original signature or removal of the duplicate account as requested. I disputed this information and once again received the same letter from the Credit Bureau that the account was " Updated '' on XX/XX/XXXX as if they did not do the investigation, but just sent the same letter again. They have not cooperated with the disputing process.

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 2019-02-07
Company: U.S. BANCORP
State: FL
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 balance transfer

Complaint:
Made a balance transfer to credit card at a 0 % APR until XX/XX/2020. The credit card was used to make a purchase, and the amount of that purchase was paid at the end of that month. However, ever since I made a purchase and paid it off. The credit card company charges me interest every month. I called the credit card company to ask why am I being charged interest on purchases I have not made. I was told that this is what happens if I use the card, I will be charged interest on purchases, until I pay the whole balance transfer off first ; the purchases go on the back end and will accrue interest. Ultimately, I find their practice to be deceptive.

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 2021-02-21
Company: Incomm Holdings Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a {$100.00} Mastercard gift card at the XXXX XXXX  XXXX ( XXXX, WA ) on Saturday. XXXX XXXX, XXXX. When my son went to use it, he learned it was not activated at the store. I called the number on the back of the card and it said there is a " problem with the card ''. I went back to the store on XX/XX/XXXX and they told me they couldn't do anything to activate it or return it, and suggested I call XXXX XXXX, XXXX, XXXX at XXXX XXXX XXXX XXXX. I couldn't get a live person on the line when I called this number and instead it seemed to be an upsell ploy to get me to sign up for all sorts of random services ( insurance, health care, etc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: ENCORE CAPITAL GROUP INC.
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:
A few years ago upon checking my credit report, I noticed a collections account listed by Midland Funding LLC with a " placed for collections '' date of XX/XX/XXXX. At that time my credit score dropped due to the listed collection ( which I deny owing ). Up until XXXX of XXXX my credit score had been at XXXX. At that time, I received notification from XXXX XXXX that my credit score dropped 53 points in one reporting period to XXXX. When I researched the reason for this precipitous drop, it showed that Midland Funding LLC had removed the collections account and reinserted the account as a " new account in collections '' in the same period under Midland Funding ( minus the LLC ), thus causing my credit score to plummet. This has caused my credit to drop below XXXX which will make renting an apartment or obtaining auto financing ( which I will need to do in the next few months ) very difficult. I contend that this is wrong, including the fact that Midland claimed the account in collections back in XXXX only to now reinsert as a " new '' account in collection and only removed the LLC from the listing despite it being the same company. This devious tactic should be reversed immediately as well as the collections account being removed permanently from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I think it's a scam call. She claim calling from citi bank which owns my citi card. However, she claims she needs my debit card or check number, or checking account number. The credit card should have the my debit checking account number. It's ridiculous The number is calling from XXXX and she said her name is XXXX from 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