BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
State: CA
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 am unable to call and speak with any of the three Credit Reporting Companies also known as XXXX XXXX, XXXX   and Experian. 

I want my current Consumer Statement removed from all of my Credit Report. I do not want any Consumer Statement on my Credit Report. 

I want the phone numbers to XXXX XXXX, XXXX and Experian so that I and other Citizens can call them directly to speak to them when I/ We discover a problem with my/ our Credit Report.

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 2021-11-02
Company: BARCLAYS BANK DELAWARE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX of last year I used a Barclays Visa on a XXXX $ purchase Was not billed and we forgot about it. We received the bill in XXXX and paid it. Barcays credited us the late fee. But we did not know Barclays reported the 60 day past due invoice to the credit agencies. Lowering my credit. They do not take phone calls, we had to sent them a full credit record and an account of what happened. They replied saying they can not remove the late payment from my credit report. 
What has to happen to make this right?

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 2019-09-24
Company: EQUIFAX, 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting  documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Experian Information Solutions Inc.
State: LA
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:
I decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.

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 2020-12-11
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity bank / XXXX acct number XXXX. I have not gotten my mail statement for 2 months now. Last month they waived the late charge fee..this month they refused to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: NY
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 things on my credit report, to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was trying to transfer money to XXXX for my closing on my new house and the rest outside of the {$2000.00} I wanted to keep in Chase to my High Yield Savings account through a different bank due to the government recouping my VA Compensation and Pension once they charge me for the days I was on active duty throughout the backpay. Chase froze my accounts then shut them down with no notice today XXXX XX/XX/2019. When I tried discussing it with them, they refused to. 

I guess they don't want continued business, but it's okay I'll continue with my longtime bank that holds my regular check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Gave away personal information pertaining to medical expenses is in violation of Hippa.

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 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 IN 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 2017-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX is reporting an unfair late payment recently. I have attached a letter of explanation as well as supporting documents with this complaint. I have disputed the late payment reporting with XXXX XXXX directly as well as all three major credit bureaus and I do not believe the treatment has been correct or fair. 

In my attached letter I explain exactly WHY the I should NOT have incurred a late payment report from XXXX XXXX. 

To summarize : I was charged a late payment after incurring a annual fee for a card I had not been using. I had not received any statements in the mail notifying me of a new balance and emails were sent to my spam folder. 

When I called to resolve the account I was told the fees would be reversed. 

Since the fees were in fact " never incurred '' or reversed I should not have incurred any late payment reports since no payment was due. Essentially I 'm being reported for being late paying fees that i had never incurred or were reversed. There was NO balance from purchases I had made on this account Please see my letter of explanation attached with this submission. 

Please investigate.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 un

der 15 USC 1681. The letters are stated with items and issues. 

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 2019-09-24
Company: Byrider Franchising, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They put a late on my credit for my car that the payment for XX/XX/19 that was paid in full before the payment was due. They also had auto payment setup on account anyway never should have been late because if there was an amount past due they should have auto taking the ACH. I am trying to close on my home and this is an issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

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

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: Netspend Corporation
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased a card at XXXX from NetSpend as advised by my title loan company to make my monthly payment. I purchased the card at XXXX in XXXX, Mississippi and loaded XXXX $ on the card. When I called Netspend to try to activate the card, I was told that I had an account with their joint company Skylight. I advised the agent that no I had never had such an account, the agent advised me that it must be a problem with identity theft and that a report would be filed. The agent 's name was XXXX and his id number was XXXX. I also asked to speak to a supervisor, XXXX ( agent id XXXX ) a supervisor with Skylight then came on the line and stated that a refund check would be mailed to me in the amount of XXXX. And the check would arrive within 5 to 7 business days. That was a month ago, and I have called multiple times to no avail. This company has stolen my money and refuses to refund 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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights.

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

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: Remitly, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Please review my email to Remitly describing our issues regarding a money transfer to the XXXX from the US. This email was an attempt to resolve all the charges. However, Remitly will not answer my email. Therefore we are requesting your assistance to arbitrate this matter. 



Transfer date of XXXX XXXX. 

Including screenshots of transaction fees. 


XX/XX/2020 Email to Remitly : To whom it concerns, We used your service for the first time to send funds to the XXXX on XX/XX/2020. We took advantage of the no service fee for first time use. However there was a {$29.00} fee? With a higher exchange rate I reluctantly agreed. That was misleading. Upon reviewing my Visa statement I was charged an additional {$44.00}, plus interest for cash advance that I did not agree to. Theres also daily interest being applied. To date your service has exploited me over {$74.00} USD to send funds. 


Prior to using your agency we used XXXX numerous times. Which only has a transfer fee of {$5.00} to {$7.00} which is upfront and not hidden. They also do not use cash advance merchant codes. 

My Visa company has been made aware of your misleading terms and conditions. They also reviewed your website and agreed with the terms being ambiguous. 

Will allow you the opportunity to respond before filing a formal compliant with the appropriate authorities. 

Two screenshots attached. 

Best, XXXX. 






Auto response from Remitly : Dear XXXX, We currently have limited customer service available as we protect our global team and align with public safety precautions for COVID-19. At this time, we are not able to offer email support and are unable to respond to any email message you send us. 

We truly appreciate your understanding and patience and apologize for the inconvenience to you. 

We encourage you to find easy answers to your questions on our Help Center, such as : Track your transfer Edit your transfer Cancel your transfer Why is my transfer on hold? 
How sending limits work If you need to reach out to us, you can find the latest information on what customer service options are available here. 

As always, thank you for choosing Remitly.

The Remitly Team Not able to locate any account or transaction numbers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello this is XXXX XXXX Ive recently been hit with a collections account on my credit report from AMSHERCOLLECTIONSERVICES Ive disputed multiple time and it has not been taken off my Credit File Report, they are not reporting the correct information onto my File.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: BAM Management US Holdings Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
At XXXXCT I deposited XXXX BNB coins into my Binance.US account from trust wallet. I entered the address and MEMO but for some reason the memo did not submit. When I hit enter the transaction successfully sent but was never received by my Binance.US account. The Tx Receipt is, however saying the transfer was a success. According to Binance.US this issue can be resolved but I have not heard from any support personnel since submitting my ticket Wednesday morning at XXXX, only auto generated emails from a third party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried to get a personaI loan from my bank that I've banked with for over 10 years and I was denied. When I asked why. they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. I got a police report made and I reached out to the FTC. The items on my credit are : XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 and Transunion are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

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 2022-08-11
Company: U.S. BANCORP
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 transactions that I have made and are not related with my current accounts. It is FRAUD XXXX Report XX/XX/202XXXX US Bank {$480.00}, XX/XX/2022 US Bank XXXX Same bank reporting different amount XXXX XX/XX/2022 US Bank {$620.00} XX/XX/2022 US Bank {$480.00}

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 2017-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I contacted Transunion Regarding negative inquiries and they refused to help me were very passive and short. Not helpful at all and this was not resolved. I contacted them regarding the following negative inquiries : -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XX/XX/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