BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$1600.00}

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 non-monetary relief
Consumer complaint received 2021-12-07
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:
I have now filed multiple disputes with Experian, and XXXX that are reporting XXXX XXXX as an account that I had open. I had identity theft and the account was the result of identity theft. 

Pursuant 15 U.S Code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof if the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have supplied XXXX and Experian with the police repot, FTC report ( identity theft report ) proof of identity, identification of the account and a statement. Experian and XXXX have refused to block this information saying that it does not meet their criteria for block, but this is against the law and my rights as a consumer under Fair Credit Reporting Act Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law. 

15 USC 1681b Permissible purpose of consumer report ( 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 instructions of the consumer to whom it relates. 

YOU XXXX, XXXX, EXPERIAN have aided this Fraud by not verifying these accounts.

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 2018-01-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Account Opened in Fraud I reported my XXXX ' Store Card stolen in XX/XX/XXXX. I was mailed a new card and the charges from the card reported stolen were transferred to the new card. In addition to this I did not receive statements from XX/XX/XXXX - XX/XX/XXXX. And my website account was frozen which means I could not view my account on the website. At the same time I reported my card stolen I could view statements which were not mine however once I reported the theft all account information was removed from the website which makes it hard to prove to police what is happening. 

The dispute has been ongoing for over a year in violation of the law. 
I received a statement in XXXX for a XX/XX/XXXX charge which is not mine XXXX. I also was overcharged for items which I promptly returned. 

In addition to the harassment ; not knowing what is going on for six months and not receiving statements, XXXX ; XXXX has not been reporting the store account to the three credit bureaus. I have a XXXX Account with a XXXX credit limit which now has a XXXX fraudulent balance which consists of XXXX in charges which are not mine and the remainder in interest which should not accrue during the period of the dispute.

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 2021-12-07
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 initially sent a series of letters to the credit reporting agencies and creditors, with the last being o XX/XX/2021 which was, y second or third request. 
I am fully aware of how reporting works and found evidence of non-compliance in accordance to the XXXX and XXXX XXXX format procedures to report. 
In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXXXXXX updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hey, I would like to file a lawsuit against XXXX XXXX XXXX. They are reporting on an account that has been settled since XX/XX/XXXX. I called them multiple times that the account has been settled based on the agreement with the court justice and I paid off. They still reporting on the account. 

Anytime, I made a call they are sending me to their law company who in return said my account has been closed on their side. 

They are reporting on my account that is affecting my life in order to get a job and anything related to credit score. 

The original debt was XXXX. They sued me in the XXXX VA civil court. I made an agreement to pay XXXX to settle this debt. The agreed amount was paid toXX/XX/XXXX. They are still reporting on my credit score. 

Please need help

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 2021-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the colllection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or Items 1-13 are in violation of XXXX. 
I have reached out to you all communicating this issue. These inaccurate items are a misrepresentation of my character. 

Also I have attached a copy of my credit report as evidence that these items are inaccurate in misleading. The other bureus have already fixed these issues you all are the only bureus that have refused to cooperate. 
If this continues I will seek litigation.

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 2021-09-05
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've attached the first credit report this debt was placed. This debt was in collection in XXXX.See attached XXXX  report XX/XX/XXXX, pg 2. 
It was paid in XXXX. Requested receipt from XXXX @ XXXX Never received. See XXXX XX/XX/XXXX, pg 4.

Proof of age of acct. 
XXXX  report XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 
Should have fallen off already XXXX XXXX ) Still reporting in XXXX. 
XXXX  XX/XX/XXXX, ( Dispute results attached ; Removed ) XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, ( Dispute results attached ; Removed ) XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX ( Disputing now ) XXXX  XX/XX/XXXX ( Disputing now ) This has been reported 7 times in the last 2 years. Each time Disputed and removed. Each time my score loses points and never recovers even after deleted. This debt is to old and paid off 8 years ago. 
See all attached credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Spoke to XXXX rep in XXXX - regarding my account and asked her to give me a better explanation regarding my account and the int rate that was getting for XXXX per month and asked her very kindly to remove or adjust it but she refused and told me that stay there and say : we do n't adjust rates ", I made my very best to communicate nicely with representatives from Citi but they just told not to help anyone. 


Fair lending act say : consumer have the right to ask CC companies for a breakdown of payments and better explanation of int rates on which i 'm not very knowledgeable about it and i fell i was set up on a predatory interest rate credit card. 


FYI - Citi has not responded and chose to ignored my previous request

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 2021-12-07
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX and I am a consumer submitting this complaint without a third party. 

CREDIT COLLECTIONS SERVICES sent a letter in the mail claiming that I owe the amount of debt totaling {$120.00}. I have never signed a contract with the referenced company in any capacity. 

I have been violated by this company through misleading, deceptive and abusive debt collection practices pursuant to 15 USC 1692.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: CBC Companies, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my XXXX  a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : 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 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. I have some issues also with unrecognized addresses on my credit file Please delete the following addresses : XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX  XXXX, OH XXXX I would like a full copy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 completed a dispute on XXXX 's website and their website tells me the system accepted my message. However, I never get an email or postal mail in regard to the dispute filed. Thier technology is like dealing with a VCR that ate my tape. It 's old outdated and I hope legislation steps in to change this company and the industry. These companies are not set up for the consumer. They are set up to help keep the banks and finance companies in business.

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 2021-09-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX from my credit report but transunion is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the following accounts month after month and the 3 major bureaus investigation concluded that accounts has been verified. Verified by who, when, where. And where is the physical documentation of these findings. I'm requesting the Method Of Verification as my right via FCRA. The following accounts are ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, {$760.00}, ( 3 ) XXXX XXXX, {$150.00}, ( 4 ) XXXX XXXX, {$56.00}, ( 5 ) XXXX XXXX XXXX, {$510.00}, ( 6 ) XXXX  XXXX XXXX, {$32.00}, ( 7 ) XXXX XXXX XXXX, {$53.00}, ( 8 ) XXXX XXXX XXXX, {$29.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
American Express has been reporting a debt to credit report for a credit card that was opened in XXXX of 2018. Said account was not opened by me, authorized to be open by me, nor does this account belong to me. Ive been in contact with American Express since learning of this account. Ive signed identity theft at American Express request however this negative account continues to appear on my credit report. At one point, American Express advised me that the account has been turned over to a debt collecting company, XXXX. Ive spoken with XXXX as well and told the account manager that this AMERICAN EXPRESS account does not belong to me, the account was not authorized to be opened by me, and I didn't have any knowledge of this account until reviewing my credit report. I was actually on active orders and deployed to XXXX when this account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: The CMI Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021, which is today currently as I am writing this complaint that Credit Management , L.P. located in XXXX TX  called my mother and went further than just collecting my contact information. Keep in mind, I am not a minor, I am XXXX, and the debt collector went as far as telling my mother how much I owed and my mother wanted to pay for it, I told her not to since I first wanted to submit this complaint. It is completely fine to ask my mother for my contact information, however this person told her how much and how to pay it, this is inappropriate. The debt was only for XXXX, a internet bill that I plan on paying

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan through USAA. I made an additional payment on the loan outside of the regular monthly payment. Their app automatically triggers the additional payment to allocate between principal and interest on the loan. I tried to fix the payment so it was all applied to principal and it does not allow you to fix the payment. I tried to get them to correct through their chat function and could not. I left them a call back number and am waiting for a response. The app should automatically allocate additional payments to principal. I would like my payment applied to all principal. I feel like this is not a fair feature in their app to the consumer. The default for making an extra payment, should automatically be allocated to principal. The app makes you select principal only ... this should be the default. This occurred X/XX/18.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XXXX-XXXX-2018 I ordered TransUnion credit report linked from free reports US government. In order to obtain a FICO score, you are forced to give credit card or debit card for perpetual drafts against your account-about 350 dollars a year. You can not cancel this service, the XXXX number is busy or refers you to circular XXXX. 

My problem is that this is linked from an official US Government website. 
This is nothing but a XXXX type scam. 
This is one of our major player credit reporting company running this scam to get a few bucks from poor/disabled.ignorant people.

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 2018-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Today at XXXX onXX/XX/XXXXI contacted Transunion the credit reporting agency to have these inquiries removed from my credit profile. However they refused to remove them. Being I was affected by there recent credit inquiry issue they did not notify me when adding them back to my credit report. I would like them to be removed being they illega added them to my credit report. 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 explanation
Consumer complaint received 2021-12-07
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have made a purchase in XXXX store with store card issued by Comenity Bank. My due date is the XXXX of each month. Credit card cut of time is XXXX EST. I made a payment on the XXXX after XXXX. Obviously I was charged late fee plus interest. Next month statement indicated late fee and interest. I paid it and again I missed cut of time. I am being charged again late fee plus interest for 2nd time. My purchase balance was paid fully from the first time. But I am still being charged late fee on the late fee.Is this even legal? Thank you. XXXX XXXX

Company response to consumer: Closed with monetary relief