BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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 have 3 collection accounts on my report that I have been disputing for a year XXXX, XXXX XXXX XXXX XXXX XXXX. I have spoken to the creditors of each of these companies they represent none of which have been able to produce documents signed by me or copies of my DL or anything showing its a legitimate debt owed by me. The only documentation I did receive had my name, my social, and all the other information was incorrect address phone number insurance employer, none of it matched and XXXXXXXX XXXX was supposed to reach out and provide this documentation which they have not.

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 2019-10-31
Company: Experian Information Solutions Inc.
State: NV
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-10-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
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:
I paid off my credit card XXXX XXXX through USAA with an outside Bank routing number and bank number online. Through their app the information, I put in for to pay the debt {$3200.00} the information for that bank paying the debt was totally ignored and they withdrew the funds from my personal checking account that's on file with them. XXXX XXXX. This transaction took place XX/XX/2019. I did not authorize the payment from XXXX XXXX. The debt should have been paid from XXXX XXXX XXXX XXXX XXXX from the information I put in online. I discussed the problem with the credit card company was told they couldn't correct the situation for 10 days I couldn't believe it.my money is going to be floating in cyberspace for 10 days and I have nothing to say about it but they can withdraw it within minutes.ask for a supervisor in the reps put me on hold for more than a half-hour I hung up credit card companies got way too much power consumers have XXXX near zero power and situations as such as this. Hope you're able to help in some way

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23
Company: GREAT LAKES
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Per Great Lakes, my account was put on hold for an audit by the Department of Education on XX/XX/XXXX and after the audit was complete, I now have new principal balances. A Great Lakes employee stated the reason this audit was done was to reassess the way the interest was capitalized in XX/XX/XXXX creating these new principal balances and that the Dept. of Education are able to do this at any time. 
The principal balance on one of my unsubsidized loans with the highest interest rate and the highest balance increased by {$760.00} while a few of my lower interest loans with lower balances decreased. I am now paying more in interest than I was before the audit due to this adjustment. 
The overall total principal balance of all my loans increased by {$200.00} and I am not sure how the Dept. of Education is allowed to readjust my balances at will.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried over XXXX times in the past 2 years to have these removed from my credit report because these are not mine and have never been the companies just answer back with a generic it is yours so we are not changing it but they are not listening to me at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: SYNCHRONY FINANCIAL
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/14 I purchased a DJI FPV drone on XXXX for XXXX .I paid immediately, after a few days I contacted the seller asking for a delivery date.he informed me that the drone was damaged before he could ship it so he was canceling the shipment..within a few days I received a notification of a label has been created and their was a tracking number..I am being forced by XXXX to pay for something I never receivedthe XXXX XXXX tracking number is XXXX if you google the number it shows XXXX XXXX never recieved the package..their is no proof of shipment or delivery I have disputed this over and over.XXXX says that I received a tracking number and for them that is good..if I do not pay it will damage my credit.

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 2019-10-24
Company: CITIBANK, N.A.
State: NY
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:
XX/XX/XXXX, I made a purchase from XXXX using their automated telephone service. They added on multiiple fees that were not upfront so when i finalized the transaction it was much more money that I had intended to spend, the total amount was {$430.00}. Immediately after, I called back and requested to cancel the transaction. I was told by the representative that I could not cancel. I then immediately called my credit card company ( Citi Cards ) and told them I wanted the transaction cancelled, no merchandise or services were exchanged. The Citi representative told me I had to wait for the transaction to 'post ' before they would dispute my charges. On XX/XX/XXXX the charge finally posted and I opened up the dispute. XX/XX/XXXX I got an email that the dispute was resolved but no information was posted to my account, i had to wait until XX/XX/XXXX at which time I was informed that they found in favor of the merchant XXXX. In their statement, XXXX alleges that I was informed of their non-return/cancellation policy but in fact i was not provided that information at the time of purchase. I only found out about it when they submitted it as a defense. I sent Citi Cards a page from my mobile account showing the phone call log where i attempted to cancel the transaction and then immediatly called Citi Cards. Citi told me that was not enough evidence and XXXX refused to cancel, they threatened that if i called my credit card company to cancel the transaction that i would never be allowed to use their services again, at which i responded that i didn't care about ever using them again. XX/XX/XXXX, i got an email from XXXX, it says that the 'seller ' has not received the tickets and therefore can't give them to XXXX to give to me. So two things, firstly, XXXX is selling merchandise/service for something that they DONT HAVE, they are selling something that the seller doesn't even have! Secondly, this is in fact ticket scalping and ticket gouging, getting tickets and reselling for prices far beyond their actual value. I submitted this new information on to Citi Cards and they still will not protect my purchase and cancel the transaction. I was charged {$430.00} for two tickets, on XXXX you they are selling for {$100.00} each. They charged more than double the price and they are not premium seats.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 2018-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I transferred money both through online banking and teller transfer with bank of America to another bank of america account which later turned out to be fraudulent. I filed a police report with the local police department and there is warrant out for the persons arrest with that account. I filed a claim with bank of america and they didn't do anything about it. I called again to the police department and they said file a complaint with bank of america because they should do something about it

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 2023-04-17
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: Investigation took more than 30 days

Complaint:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXXXXXX is reporting incorrectly on my credit report as a loan that I dont have with them for a vehicle that I have sold during a collision. I have supporting documentation that this debt is reporting inaccurately due to the car/title not having a lienholder and was sold, because the vehicle was mine and PAID IN FULL.

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 2022-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Misinformation about loss credit card, and offering after paying fees and can't get a loan to support my family and I.

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 2021-02-08
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home burnt XX/XX/XXXX we contacted Shellpoint on XX/XX/XXXX and let them know what happened. XX/XX/XXXX Shellpoint went forward knowing that the home burnt and the insurance company was paying it off. We were told on XX/XX/XXXX to send the insurance check to the loss draft department. on XX/XX/XXXX the loss draft department emailed me and ask for the payoff. When we contacted shellpoint about our payoff amount we were told on XX/XX/XXXX it would be XX/XX/XXXX before they could tell us because they went forward and filled to foreclose on us. We are also showing credits on our account un unapplied payments. This is a mess. We simply want to be done and move on.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-01-21
Company: Bread Financial Holdings, Inc.
State: NM
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:
I took a promotional offer with Comenity Bank to pay for a dental procedure with 0 % interest for one year. The promotion ended on XX/XX/19. Knowing I would be charged approximately {$600.00} interest on a balance of approximately {$1200.00}, I made a balance tranfer with XXXX  XXXX XXXX to pay the remaining balance onXX/XX/19. I obtained a copy of the check XXXX XXXX XXXX sent to Comety dated XX/XX/19. Comety is one of the few banks that require a snail mail payment from other banks. I was not aware of that. Comety did not process my payment until XX/XX/19 and charged me the penalty interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: NJ
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, 2020 I sent a dispute to Experian about XXXX item on my credit report, on XX/XX/XXXX, 2020 they reply back saying " This item was removed from your credit report ''. However, a couple months later they reinsert a previously deleted item without notify me.

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 2023-02-15
Company: Experian Information Solutions 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:
In XX/XX/2023, XXXX XXXX has reported wrong XXXX balance on my credit card to all credit reporting agencies. BUT IT IS NOT XXXX ( See Attached Document ). Thus, XXXX XXXX reporting XXXX balance - caused my FICO score to DROP BY XXXX POINTS ( See Attached Document ). 

I plan to sue all credit bureaus for FCRA violations on or about XX/XX/2023 - seeking damages and attorney 's fees for this XXXX points FICO score drop and also for any " eventual subsequent '' FICO score drop.

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 2022-08-09
Company: CITIBANK, N.A.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XXXX, XXXX XXXX XXXXXXXX contacted my brother and left a voicemail instructing him to forward the voicemail with urgency since it was a second attempt to contact me regarding a mitigation. I have had the same phone number since XXXX, and I have no missed calls from this office. My brother forwarded the voicemail, and I was alarmed, as the voicemail contained a reference number and a threat to proceed without my participation if they did not receive a response from me that day. I called XXXX. The receptionist matched my reference number and informed me that a case manager at extension XXXX hd been assigned to my case. The case manager informed me that their client contacted me about breach of contract regarding a loan with Citibank serviced in XXXX. I was given an opportunity to voluntarily resolve the matter by paying approximately $ XXXX. If I didnt wish to pay that amount, the client had the right to pursue over {$29000.00}. I went from alarmed to upset, as the case manager had somehow obtained my full social security number and birthdate, and indicated to me that written notices were sent to me at an address I havent lived at for over 16 years, and also to my current address. I did not verbally confirm either address with the case manager, but I noted that I had received no such notification. I am on high alert now, as Ive never had a loan with Citibank. I have had store credit cards issued by Citibank ( all paid as agreed and closed for years ), with limits well below the amount that this client of XXXX XXXX XXXX XXXX  was attempting to collect. I believe that if my identity was not already compromised to originate this loan, it now certainly is.

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 2019-06-05
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed an account with Transworld and they provided me with a document which is not a contract or anything that legally shows that I owe the amount {$310.00}. Please provide contracts, copies of actual bills and a copy of Transworld to legally bound to collect anything on behalf of this account -I do not believe this account belongs to me-

Company response to consumer: Closed with explanation