BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress 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 2023-07-10
Company: SYNCHRONY FINANCIAL
State: WI
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:
Care Credit ( Issued by Syncrony Bank ) did not inform me that when I signed up to use it that it was a promotional interest charge for a set period of time. The time had past, and they hit me with a significant interest charge on a small amount. The other problem, is as the " Credit Card '' is paid down, it gets reported as, " my credit limit was decreased '' which is harming my credit, and now that the interest has hit, I am now " over my limit '' and being charged over limit fees. I do not understand why it is being reported as such, i have never missed a payment with them, always paid on time.The initial credit line should never have changed, and if it was designed that way, it should be a simple interest loan and also reported as such, with this new interest charge, I definitely should not be charged any over the limit fees, or be reported as such. This blatant robery and greed. When I tried to reach out to them, they were rude and did not try to help at all.

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 2023-07-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Good afternoon, following my 2 former complaints in the last 3 months, I still have the same issue from Chase since the beginning : despite having XXXX $ on my account, Chase keeps charging me monthly fees today ( statements attached ). So I am still need the help of CFPB to fix it please. Thank you. Regards. XXXX XXXX Historical Reminder : Good afternoon, in XXXX, I created my company XXXX XXXX and I needed to open a Business account. So I chose Chase because they had an offer when you did a deposit of XXXX XXXX you did not have to pay monthly fees for new Business account. Beginning of XXXX, I have started receiving monthly fees to pay with no notification from Chase that they changed their rules of having now a minimum of XXXX $ of deposit. So I had an appointment in XX/XX/XXXX to explain the situation with my contact at XXXX XXXX Chase branch ( with XXXX XXXX ). She supposed to reimburse the current fees and I had a check of XXXX $ to have a total of XXXX $ as a start. But the next month I have been continuing having fees of XXXX $ per month. I have let several voicemails and emails to XXXX XXXX to understand why I was having ( and still have ) this situation. XX/XX/XXXX I called the Chase Service Center after talking to XXXX different agents, the only answers were : ''Try another branch '', ''Try to have another appointment with the same contact '' or ''we can not help you online ''. My Business account statement from XX/XX/XXXX ( attached ) shows exactly that what I did was supposed to be done but they did not stop de monthly fees. I have no other solution to complete this complain because I do know how to fix this situation which is originally a Chase ' mistake. Today XX/XX/XXXX : I receive an email about the bank account statement availability of XX/XX/XXXX : Once again, with the same error, they started charging me the XXXX $ fee even if my bank account was at XXXX $ in XX/XX/XXXX ( statement attached to this new complaint, with the other documents I attached on my first complaint ). So I would like to have your help again please to fix the same error. Regards XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I just do everything on my credit report big except it was my student loans my student loans no no erase every last one of my student loans due to my XXXX and XXXX  XXXX XXXX and Experian us laugh did not report my right score all my credit report after youre still loans was erase

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, XXXX and TransUnion will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, XXXX, Transunion, and XXXX XXXX to get the following medical debts under {$500.00} removed from removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... all XXXX XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: NC
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:
When I sent a copy of the FTC report, it was discovered that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am sending this Complaint to assist in laying out a lawful response. If you choose not to obstruct the following items recorded beneath that are responding incorrectly as a result of fraud. The following items must be deleted from my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1700.00} ; 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 2023-03-23
Company: Experian Information Solutions Inc.
State: CT
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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
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:
It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$49000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-07-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the XXXX  you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: DE
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-11-19
Company: Radius Global Solutions LLC
State: NV
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:
Radius Global Solutions has reported a delinquent medical from date of service XXXX for XXXX XXXX. Phone number on credit report stated the file was being handled out of another office and provided an XXXX #. I called several XXXX # s after being given direction by each XXXX # previously dialed to no avail. No one was able to assist. My insurance was supposed to cover payment for the {$1600.00} that is being reported but ai can not get anyone at the company to assist. Im applying for a home loan and this is affecting my credit score which is in turn giving me a higher interest rate. I want this collection removed from my report. Ok to speak to my wife XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Consumer Adjustment Company Incorporated
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:
XXXX, XXXX  and XXXX  are showing accounts on my credit report that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was sent a letter saying that I owe XXXX. I attempt to contact this firm to settle the debt, and they have no record of my account. I attempt to pay online and my account is linked to another person 's information saying I owe over $ 2k to a utility company I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: DISCOVER BANK
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I got a private student loan to finance my XXXX expenses. I graduated in XXXX of XXXX. I then went to XXXX XXXX in XXXX of XXXX. Discover agreed to defer my loan payments until six months after I XXXX XXXX XXXX. I graduated in XXXX of XXXX. In XXXX of XXXX Discover decided that my loan was all of the sudden due on XX/XX/XXXX ( in violation of the agreement we had made ). After refusing to pay on my loan until XXXX as we had agreed discover began to endlessly harass me via autodialed phone calls. I called in XXXX to attempt to straighten things out. Discover 's agents said I could upload my transcripts to show I had been in school and that they would undo any actions they took that would undermine my credit score. I uploaded my transcripts. 
Discover all of the sudden said that was inadequate and asked for a certified letter with my dates of attendance. I called and explained yet again that I had graduated in XXXX of XXXX and my first payment should be due in XXXX. The agent on the phone said that is 100 % correct and I asked several times for her to confirm my payment due to date was now in XXXX. She replied in the affirmative. Discover decided to continually harass me anyways so I called yet again and explained the situation. Discover agent then told me to upload a certified letter with my dates of attendance and said if i returned to school the grace period would indeed be 6 months after I graduated my new school AND they would undo any actions they took against my credit score. I sent the letter and then was harassed yet again by auto calls. I called yet again and this agent said I had spent 6 months out of school between XXXX XXXX and XXXX and the grace period actually ended in XXXX of XXXX. I explained what I was told by the other agent and he did not seem to care and continued to just mindlessly read off of his script. He also explained that I missed fall of XXXX ( which was untrue I attended class in XXXX but spent a month in the hospital with a life threatening illness ) so even if I went back to school the grace period once again lapsed once I went to the hospital and demanded I make payment or my loans would default. 

In some discover made willful misrepresentations on the status of my loan. Lied about the grace period several times and reported fraudulent information that adversely affected my credit score. Not really surprising though because Discover did get sued by the federal government for deceptive trade practices. I'm looking forward to their canned response where they admit no fault and pretend to be sorry for the deceptive trade practices they employed against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22
Company: Experian Information Solutions Inc.
State: UT
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 disputed the information with all three credit bureaus, XXXX, Experian XXXX XXXX XXXX, who will not remove an invalid hard inquiry. I submitted a letter to them explaining that Utah XXXX XXXX XXXX out of XXXX, Utah promised me that they would only use a soft inquiry and not a hard inquiry because the credit union changed my account included in chapter XXXX bankruptcy to a current charge off status. The credit bureaus will not budge or work with me. 

XXXX will not remove an invalid inquiry. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This has to do with annual credit report dot come. Anything pulled by the consumer is a soft inquiry because the consumer, being me, is the one that is requesting their credit report. It is being reported as a hard inquiry.

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 2023-06-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights .

They are reporting a lot of inaccuracies and I am fed up! BY LAW this is wrong.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, 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:
My credit report is showing inaccuracies and inquiries i never authorized.. 

15 U.S.C. 1681s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information Is inaccurate Unauthorized Inaccurate inquiries being reported listed below remove all inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX. XXXX Account number XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2. also states a consumer reporting agency in can not furnish a account without my reading instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any customer report containing any of the following items or information. Any other advisers item of information, other than the records, conviction of crimes, which indicates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumers reporting agency, if the person knows or has responsible calls to believe the information was in accurate

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 2023-05-04
Company: Experian Information Solutions Inc.
State: TN
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 reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXXXXXX Balance : {$19000.00}

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 explanation