BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XX/XX/XXXX case was closed with XXXX balance. XXXX XXXX. XXXX XXXX, XXXX for XX/XX/XXXX from the insurance payment balance XXXX settled for XXXX. From XX/XX/XXXX to present the account is considered late and open. 
In accordance with Federal credit reporting Act this creditor credit acceptance has violated my rights under 15USC 1681 Section 602 states that I have a right to privacy. 15USC 1681 Section 604 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment under a open consumer credit plan as late for any purpose.

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 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Validate Chapter XXXX Bankruptcy XXXXPlease view verify and validate any and all information for this alleged account, all dates and all balances, regardless if reported or not .. Further, ensure act has adequate 436 digit P6 statement and five part personal identifiers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
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:
The company has still failed to address 2 major issues. 1 ) falsifying credit bureaus reporting the amount of actual debt owed ( real debt amount current equals {$12000.00}, Reported to credit bureaus {$28000.00} ) 2 ) They have not taken off {$290.00} interest charge made entirely in their fault and a breech of contract on a 0 % APR card, due to them tripling my debt. Quite frankly dealing with this company has caused me immeasurably grief, and financial hardships, I am now unable to do balance transfers to any other card, because of them lying to the credit bureaus about how much debt I have, which has also lowered my credit score by over 20 points. I demand them to immediately remove the {$290.00} interest charge, send an immediate letter to all credit reporting bureau with EVERY single error made on their part, and send me a copy so I can make sure my credit gets repaired. The last part should be checked by a 3rd party arbitrator, since XXXX has made dozens of mistakes over the last 6 months. Here are all of the mistakes I see since getting this account : Falsly claimed an interest charge of XXXX-XX/XX/19, falsely added {$14000.00} in debt XX/XX/20, Falsey added {$290.00} in debt with interest charge.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! Account XXXX XXXX Account 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 2021-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Dear Sirs, I have been living in Florida since XXXX. I applied for a fixed rate HELOC. I was approved and later applied for a smaller HELOC that was variable. I noticed in the last year that my fixed rate has been raised. I inquired to the lending institution and found out that what had been offered as a fixed rate option was actually variable. To add to this, I have been receiving harassing calls stating that I haven't paid my variable HELOC payment only to discover that my variable payment was erroneously applied to the fixed payment. I feel that this entire issue is due to ineptitude, malice or a combination thereof. I feel this entire HELOC should be vacated and damages awarded.

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 2019-10-29
Company: EQUIFAX, 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:
The company has still failed to address 2 major issues. 1 ) falsifying credit bureaus reporting the amount of actual debt owed ( real debt amount current equals {$12000.00}, Reported to credit bureaus {$28000.00} ) 2 ) They have not taken off {$290.00} interest charge made entirely in their fault and a breech of contract on a 0 % APR card, due to them tripling my debt. Quite frankly dealing with this company has caused me immeasurably grief, and financial hardships, I am now unable to do balance transfers to any other card, because of them lying to the credit bureaus about how much debt I have, which has also lowered my credit score by over 20 points. I demand them to immediately remove the {$290.00} interest charge, send an immediate letter to all credit reporting bureau with EVERY single error made on their part, and send me a copy so I can make sure my credit gets repaired. The last part should be checked by a 3rd party arbitrator, since XXXX has made dozens of mistakes over the last 6 months. Here are all of the mistakes I see since getting this account : Falsly claimed an interest charge of XXXX-XX/XX/19, falsely added {$14000.00} in debt XX/XX/20, Falsey added {$290.00} in debt with interest charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The company has still failed to address 2 major issues. 1 ) falsifying credit bureaus reporting the amount of actual debt owed ( real debt amount current equals {$12000.00}, Reported to credit bureaus {$28000.00} ) 2 ) They have not taken off {$290.00} interest charge made entirely in their fault and a breech of contract on a 0 % APR card, due to them tripling my debt. Quite frankly dealing with this company has caused me immeasurably grief, and financial hardships, I am now unable to do balance transfers to any other card, because of them lying to the credit bureaus about how much debt I have, which has also lowered my credit score by over 20 points. I demand them to immediately remove the {$290.00} interest charge, send an immediate letter to all credit reporting bureau with EVERY single error made on their part, and send me a copy so I can make sure my credit gets repaired. The last part should be checked by a 3rd party arbitrator, since XXXX has made dozens of mistakes over the last 6 months. Here are all of the mistakes I see since getting this account : Falsly claimed an interest charge of XXXX-XXXX, falsely added {$14000.00} in debt XX/XX/20, Falsey added {$290.00} in debt with interest charge.

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 2020-11-29
Company: EQUIFAX, INC.
State: NC
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 found an account just showed up on my credit report that states I am an authorized user. I have no knowledge of this account and have never authorized anyone to make me an authorized user on their card. I called the company and they state they do not have my name, address, social security number or any other information on me in their data base as an authorized user. I then contacted Equifax over 4 months ago about it and they still have it listed on my credit report and have not given a result as to when they will investigate this. Everyone is stating I should leave it since the account is in good standing but it'snot mine so I don't want it. I have my own good credit. I really need help getting this off my credit report. The actual credit company told me that Equifax has to be making a mistake because I'm not in their system. They also told me that Equifax may have captured someone elses that is similar to my name credit information and is reporting it on my report. They are also reporting an address in XXXX XXXX XX/XX/XXXXwhere I have never lived. 

Please help the fraudulent account is XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$4500.00} In good standing Overview You're currently using 44 % of your account 's limit. 
Balance {$4500.00} Credit limit $ XXXX  Monthly payment {$150.00} Opened XXXX XXXX, XXXX ( 3 yrs, 2 mos ) Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status OPEN Type Credit Card Responsibility Authorized User Remarks No Info Times 30/60/90 days late 0/0/0 Closed No Info You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

GO TO EQUIFAX Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Genesis FS Card Services, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am in violation of my consumer rights pursuant to the FDCPA 15 usc 1692 by Genesis FS Card Services. 15 USC 1692b. ( 5 ) defines, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt, Genesis FS Card Services used their company logo on each exhibit I've presented which is a violation of my consumer rights and privacy. 15 USC 1692e ( 2 ) ( a ) defines, The false representation of the amount of any debt. All circled charges are in the positive, if it is a debt that is owed like they " allege '', all charges owed should be in the negative. 15 USC 1692b ( 2 ) defines, not state that such consumer owes any debt. Genesis FS Card Services stated in letter that " This is an attempt to collect debt and any information obtained will be used for that purpose. '' which is in violation of my consumer rights and privacy. Genesis FS Card Services is in violation of The Fair Debt Collection Practices Act ( FDCPA ), and is now civilly and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: BARCLAYS BANK DELAWARE
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I hired the housecleaning service XXXX to clean my apartment on XX/XX/XXXX, but they notified me via text before my appointment time that their worker was unable to make it, and they needed to cancel my appointment. And so they never showed up. This was just as the Covid pandemic was starting. At the time, I was not charged, and thought that was the end of the matter. Note that my phone only stores text messages for six months, so I do not have their text cancelling the service. When I used their service prior to this, they asked me sign something to verify the cleaning had been completed ( obviously this time I did not sign anything, as they never showed up ). 

Then seventeen months later, in XX/XX/XXXX, I was charged {$83.00}. I contacted my credit card company, Barclay 's, but was told I needed to first contact the merchant. I did text XXXX, who said they would " fix '' the charge, but they did not. Note I am including that text conversation. In it, XXXX says the cleaner completed the cleaning wrongly, which is *not* true- the cleaner never showed up. Nonetheless they said they would " fix '' the charge, but then nothing happened, so I then initiated a dispute with Barclay 's.

Barclay 's sent me a letter dated XX/XX/XXXX, saying they were rejecting my dispute. XXXX apparently provided to Barclay 's evidence that I had originally booked an appointment with them, but they did not and can not provide evidence that they actually showed up and cleaned my apartment, since they did not. They did not provide the signature they require when a cleaning is completed. But for some reason Barclay 's took this as " proof. '' On XX/XX/XXXX, I faxed a long letter to Barclay 's explaining all of this and asking them to re-open my dispute. But as of today, I had not heard back, so called to follow-up. I was told by Barclay 's that they did not re-open my dispute, but they could not tell me why. I asked to speak to a supervisor and was told it could take up to 15 days to receive a call back from one. I have already spent hours on hold and trying to resolve this.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I recevied my credit report and found an account that is not mine. This account may be a family member 's account. The account in dispute is : XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$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
Consumer complaint received 2023-09-21
Company: BERKSHIRE HILLS BANCORP, INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank was transitioning to a new system. A few days prior, I made a purchase for a vinyl record from the XXXX. The transaction went through but then my account was flagged and put on hold for fraud protection. I was not notified or contacted. I was not able to use my funds or get access to the website, or contact a representative until the transition was complete. During that time, transactions were declined and important plans fell through because I had no access to 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
Consumer complaint received 2019-02-05
Company: Cash Express, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was sued in court by the company and make payments the original company calls me everyday wanting payments also they harrass me 2-3 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I tried to make an {$1100.00} withdrawal from an ATM using my Citibank card. I tried 3 times and was declined each time. I went to my truck and called Citibank and they asked me if I was authorizing the charge and I said yes. I then went back in and tried the ATM 2 more times and it was declined both times so I drove home. The next day I went to my bank to make a withdrawal and the ATM said I only have an available balance of {$6.00}. I then drove to XXXX XXXX and spoke to the supervisor. The supervisor pulled the transactions for the ATM that I tried to use the day before. She said that no money for the amount I was trying to withdrawal was dispensed from that machine. I asked her what I needed to do and she said I needed to file a grievance with the credit card because I hadn't received the money. I called Citibank to file a grievance and they said I needed to call the ATM company because it was a cash transaction. So I called the ATM company ( XXXX ) and they told me the same thing that no money for that amount was dispensed from that machine and I needed to file a grievance with my credit card company. I called Citibank back and filed my grievance. I was told I would see a credit within 24 to 72 hours while they investigated. They gave me an email and fax number to send my paperwork. I emailed and faxed everything I had from the ATM company. To this day I have not seen a credit. I have been told they will call me back and no one has called me. I have called Citibank multiple time and have been told there is an investigation.Then the next time I call they say there is no investigation. I even had a supervisor from XXXX call Citibank ( we were on a 3 way call ). We asked to speak to a supervisor and then explained the situation to him. She told Citibank that I never received any money. The supervisor at Citibank said that there was a pending investigation on the account. It has been a month and I have not heard from Citibank and they sent me my monthly statement that says I owe the money. I never received any money and thought this matter would be taken care of in a week at the most.

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