BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX ( # XXXX ) {$26000.00}, ( XXXX ) {$11000.00} XXXX XXXX  ( # XXXX ) {$560.00}, XXXX XXXX XXXX  ( # XXXX ), ( # XXXX ), XXXX XXXX XXXX  ( # XXXX ) {$750.00}, XXXX XXXX ( # XXXX ) {$23000.00} Child Support ( # XXXX ) {$10000.00} XXXX XXXX XXXX XXXXXXXX ( # XXXX ) {$1400.00}, XXXX XXXX ( # XXXX ) $ {$430.00}, XXXXXXXX XXXX XXXXXXXX ( # XXXX ) {$560.00}, XXXX XXXX XXXX XXXX ( # XXXX ) {$1200.00}. 
In accordance with the Fair Credit Reporting Act these above companies have violated my rights 15 USC 1681 section 602 ( A ) states that i have the right to privacy. 15 USC 1681 604 ( A ) section 2 also states that a consumet can not furnish my account information 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 2020-07-13
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On my Costco/Citi statement due XX/XX/XXXX, I had a statement balance of {$61.00} and went online today, XXXX to pay it. After the statement closing date I had returned a couple of items, leaving a balance owed on this statement of {$14.00}. 

When I clicked on the PAY button, I was shown 3 options : Pay the minimum due of {$35.00} ; Pay the remaining amount on the statement due of {$14.00} ; Pay the total currently owed of $ XXXXsomething. 

However, when I clicked on the {$14.00}, I wasn't allowed to pay that amount. I had to pay the minimum shown on the statement of {$35.00}, thereby overpaying by {$20.00}. 

I called about this and was told by the customer rep that yes, she could easily see the problem, but that was the rule and she could only make note of it for the future. 

This is quite a scam by Citi. This forced overpayment is a small amount, and is an accounting inconvenience for me, but much more importantly, Citi is using my money and that of others for free, probably totaling hundreds of thousands of dollars per month. It isn't correct, it is a rip-off and I believe that your Bureau should make them change the practice.

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 2020-03-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I never withdrew any money from those two checks that Chase cashed from my checking and saving account. I have more documents. I am not a trouble maker I want my money back. We are struggling financially. We have no car. We are walking to some places to get around XXXX TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

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 2019-11-13
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I contacted the company after receiving a credit card with a limit and then immediately receiving a closed account letter. I didnt authorize for the account to be open or closed and asked the creditor to remove the account of my credit. XXXX refused and stated for me to send a letter but they will not remove the account even though everything that has been done by the below creditor is not legit or authorized. 


Comenity Capital Bank XXXX XXXX Credit Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: Credit Bureau Collection Services, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received calls on an almost daily basis from XXXX XXXX XXXX about a debt I should not owe. In the fall of XXXX, I was injured playing a XXXX Volleyball for my university- XXXX XXXX University XXXX XXXX XXXX PA. Since my insurance ( XXXX XXXX XXXX ) was based in WA and I attended school in PA, my insurance recommended I go to the ER so that I could be covered for an MRI/Xray if the doctor deemed it necessary, which they did. I have the documents from the Doctor explaining his thoughts on the injury. The Hospital administrator was on the phone with XXXX XXXX XXXX trying to get the authorization that night but they assured him it would get covered eventually and a few days later it was cleared so I got both tests done. A month later, I was injured again and my insurance decided they would not cover the new XXXX and were going to back out of paying the first one too. Since I had secondary insurance as an XXXX ( Through XXXX XXXX XXXX ) I submitted my claims to both ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX so that XXXX XXXX could deny it and then provide an XXXX so XXXX XXXX  XXXX could Approve the coverage. The Hospital ( XXXX XXXX ) refused or chose not to bill my insurance in the proper order, meaning that I had to call several times a week ( including calls to XXXX XXXX XXXX and XXXX XXXX XXXX ) to try to get it sorted out. After months of calling, they were able to properly bill my primary and secondary insurance on some smaller charges but still did not do that for the larger amount, regardless of how many times I called. Each of the places I called would all point to the other as the source of the error. For about 6-8 months I did not receive any communication from the Hospital and assumed the bills had finally been distributed properly. Apparently the Hospital decided to send my debt to a collector without my knowledge even though they were at fault for not billing the insurance in the proper order, which I gave them numerous times. Now I get pestered by XXXX for a large bill I should n't even owe. They have told me that it will damage my credit multiple times and have even found a way to contact my family members without my permission or knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: IA
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:
XXXX XXXX  filed a complaint to all credit bureau and secondary credit union such as XXXX XXXX. About a bankruptcy that is being verified by those said companys. Ive received a letter from the XXXX XXXX in XXXX XXXX iowa that the courts dont provided or verify information to credit reporting agency. So the furnisher of said information is false

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: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports your publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Walmart Store Credit Card through Synchrony Bank - I was not able to use my bank card and found that Walmart wrongfully processed a payment for {$150.00} on XXXX XXXX, 2017, when I signed up for recurring payments of only {$25.00} per month. It takes a couple of billing cycles before it started on XXXX XXXX, 2017. When I called them, they said that when there is a minimum payment due that will get processed before recurring payments for less than that amount. This was not stated on their website when I processed the recurring payments. I made payments as needed {$25.00} and {$50.00} until recurring payments were to start. Walmart states it can take weeks before the complaint process is set up and I would receive something in the mail. My bank account is overdrawn, accumulating overdraft fees and now, any other payments I set up for payment of my bills will be returned unpaid. 

I can not afford to wait weeks for Walmart to send a request into their complaint process and respond by regular mail. It was an unauthorized payment against my bank account and should be immediately taken care of. 

Because of what occurred I immediately cancelled recurring payments so this does not happen again.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2022 i wrote complaints to the 3 credit bureaus with no success of them correcting their fraudulent practices. They have put out {$60000.00} of fraudulent information on my credit. They violated 15 U.S Code & 1681b.

I am writing to you about my rights that have been violated by the credit bureaus. In closed are the codes that have been violated, and included in this package are the letters that I sent to each bureau. I deserve my protection by law. They have caused me many problems with the misinformation and fraud that they reported. I was waiting on a responds from them 60 days ago and I got nothing. I am seeking help with these issues. I await your response 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 non-monetary relief
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: OH
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:
I have recently been trying to resolve late payments that XXXX XXXX has reported to the 3 credit bureaus on my account. On XX/XX/2023 XXXX XXXX granted permission to Equifax to remove my inaccurate late payments from my credit report, which I was very grateful for as Im trying to buy a home for myself and my daughters. I called Equifax and confirmed with an agent that the late payment had been removed and I was told XXXX XXXX agreed to remove the late payment. I then called XXXX XXXX asking if they could report this to the other two bureaus and was met with attitude from a supervisor on this matter. Today, XX/XX/2023 the late payments showed back up on my Equifax credit report further damaging my score. This has severely effected my plans of buying a home and does not seem appropriate according to the fair credit reporting act. If you could please help me resolve this matter it would be greatly appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a secured credit card with XXXX XXXXk and I closed the account because of the fees and they had returned my deposit bank to Key Bank on XX/XX/2021 per the letter they sent me. They let me know it was sent back to the card ending in XXXX. This card was linked to my account with Key Bank that was closed out in XXXX of 2021. I have contacted Key Bank several times and they have stated several times that they did not receive a payment of XXXX back to the account from XXXX XXXX The checking account number is XXXX and it was the card ending in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This is my XXXX time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: NAM National Arbitration and Mediation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call to my job stating that I was being sued for a debt from 2007 from XXXX XXXX  XXXX. I was told I needed to make a payment to avoid being sued. Debt collector would not provide a copy of the debt. I was called by XXXX. I was sent information to my email from a company called XXXX. I have been receiving repeated phone calls about the debt to the point where I had to tell the agent not to call my job again.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX contacted me about a debt their saying I owe XXXX XXXX XXXX XXXX. I don't owe XXXX XXXX XXXX XXXX any money. When the transaction happened I was in Minnesota at the XXXX XXXX having XXXX and XXXX for XXXX XXXX. I did not authorize any transactions that occurred on my XXXX XXXX XXXX XXXX account and I'm not responsible. This company has reported incorrect and fraudulent information to the credit bureaus and I want them investigated. I would like for this company to stop harassing me and ruining my credit for something I did not do.I 'm going to get my attorney involved at this point. As of today i have not received all the transactions info, I requested that this company send me all the transaction on the XXXX XXXX XXXX checking account and they have fail to do so. XXXX XXXX XXXX XXXX informed me back in XXXX  this account was closed because I reported someone used my account and this XXXX   XXXX XXXX XXXX  an old debt buying company obtained a account and trying to collect. They are not getting XXXX XXXX  from me because I don't owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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.

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 2020-07-13
Company: Nelnet, Inc.
State: OR
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 spoke with Dept of edu they advised the Administrative CARES forbearance was applied to my student loan. They advised they reported back to both credit unions in regards to this issue on XX/XX/XXXX it is now XX/XX/XXXX and the 80+ point drop in my credit score has not been corrected. It is hard enough as a XXXX  of XXXX to get ahead and an 80+ drop in my score impacts my life greatly. I have worked entirely too hard for a mistake I had nothing to do with having such a negative experience is extremely disheartening. I have since reached out to the credit bureaus but they dont care obviously Im just another number. Theres so much red tape and we dont get the immediate correction deserved. If there is a number I can call to get this worked out ASAP please let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: I.C. System, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
No contract with I.C. System, Inc, I do not owe this debt.

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 2020-07-13
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020 Comenity Bank contacted numerous family members that are not authorized by me about my debt to them. Information was given to them about my account such as, what is due, when the last payment was made, etc. The family members were asked if they were me ( the account holder ) and verified that they were not. 

When I contacted Comenity Bank back to have this dealt with the same person that called verified that he did speak to those people and claims to not given that information to them, but when family members I do not speak to tell me information that they would not have known would tell me a different story. After speaking and telling the individual that I do not want my information given to anyone other than me and that those people have no right knowing those things, he wanted to yell and speak to me in a horrible manner. I then hung the phone up because I do not want to spoken to in that way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XX/XX/XXXX XXXX {$3200.00}

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 2021-01-24
Company: National Credit Systems,Inc.
State: MI
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:
I have sent letters over 120 days ago to this this bureau ( XXXX  XXXX XXXX XXXX XXXX ) and the educational institution XXXX XXXX XXXX XXXX XXXX and they are disregarding a regular consumers disputes. 
I am very stressed and have been sending letters prior to this and have yet to receive a response. 
This has consistently severely impacted my credit report and hindered my familys progress during this global COVID Pandemic. 

Account Number : XXXX

Company response to consumer: Closed with explanation