BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I sent a dispute on 4 accounts on XX/XX/XXXX and it arrived on XX/XX/XXXX. They did not start the dispute process until XX/XX/XXXX and I have not received the results as of today ( XX/XX/XXXX ). I have tracking number from postal office that they received it on XX/XX/XXXX. I have made a number of calls to try to get this taken care of and they informed me to send a complaint with FTC. By law, they must process the dispute 5 days after receiving it in the mail and it should be completed 30 days after process. None was done according to the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been working at a qualifying employer from XX/XX/XXXXXXXX  continuously, last certified in XX/XX/XXXX. My loans were in repayment the entire time. I should have credit for all months between XX/XX/XXXXXXXX  and XX/XX/XXXX. Mohela has deemed the following payments as ineligible : XXXX XXXX XXXX. With the one time adjustment, these payments should count towards PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to express my desire to opt-out of the sharing of my nonpublic personal information with any nonaffiliated third party, as allowed under the provisions of the Gramm-Leach-Bliley Act.

According to the regulations, a financial institution may not disclose nonpublic personal information to nonaffiliated third parties without providing the customer with the option to opt-out. I am exercising my right to opt-out of any such disclosures.

Please ensure that my decision to opt-out is reflected in your records, and kindly confirm in writing that my preference has been noted and will be respected. Additionally, I appreciate your assistance in providing information on how to further manage and review my privacy preferences in the future.

If there are any specific forms or procedures required to complete this opt-out request, kindly provide them, and I will promptly fulfill the necessary requirements. 

I value the services provided by XXXX XXXX XXXX XXXX and trust that my privacy preferences will be respected. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: COMMUNITY BANK SYSTEM, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I went through the process to dispute a fraud charge on my bank account with Community Bank NA. I followed what I needed to and found a hat it was denied due to more charges from that same retailer I also did not make any of those. So instead of providing good customer service the lady decides to tell me its my fiscal responsibility to manage my bank account. I am well aware of my responsibility but I did not make these charges and from then on I was very angry and upset. This could have been managed a lot better than giving me, the customer attitude. I am trying to get things better with my banking and I dont need to be talked to like that. I have again put in a dispute for these charges that I absolutely did not make and will pursue further if they are not dealt with correctly. 
This was beyond bad customer service and I am appalled that as a customer I get talked to like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've made two prior request ( this being my third ) of removal late payments from my consumer report from Equifax. I've asked them to provide method of verification, which they didn't provide. I've asked for proof that the payments were late, which they didn't provide. They simply parroted the same information from the first request, I also explained the account was a business checking account not a credit card account. 

They have illegally re-aged the account and added payments to support the re-aging that are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX, 2021, I spent 3-4 hours of my life trying to get Transunion to remove a Fraud Alert on my account. Not one employee could help. None. They sent me to their site to upload documents ( fraud.tranunion.com ) and the site would NOT WORK giving a constant error message. I told their employees and NONE could help or provide answers why. The best I could get was a supervisor saying he will try to " escalate '' this to get a tech support person to call me in 72 hours. Are you kidding me? I try for almost 4 hours to provide the documents you request to get this done and your system will not work and this affects my life adversely for at least another 3 days if I am lucky? When are these actions and total lack of support held accountable? I WANTED to provide documentation and they would not accept it. This treatment is not acceptable and consumers need to have some recourse.

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 2020-12-03
Company: Credit Protection Association, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Early in XX/XX/XXXX ( XXXX or XXXX. ) i received a call from Credit Protection Association, based in XXXX Texas. The agent informed me it was a debt collector and the call was in regards to a utility bill from New York for {$800.00}. I explained I never lived in NY. He asked if my last four of SSN was XXXX. I said no. I noticed in XX/XX/XXXX my XXXX  went to XXXX after many years at a high of XXXX the debt got posted on my credit report. XXXX XXXX XXXX wrote on my behalf and in XX/XX/XXXX my score went back to XXXX and the debt was removed. Now on XX/XX/XXXX XX/XX/XXXXXXXX XXXX a debt collector out of XXXX XXXX MN has the account and posted the debt on XX/XX/XXXX. Again my score is XXXX. I have explained this to them and now my SSN is attached to it. Someone along the way has changed the SSN.I have talked with XX/XX/XXXXXXXXXX/XX/XXXX XXXX they can't tele how account was opened, they can't tell me if they did a credit check like most utilities. XXXX XXXX XXXX can not give me details of the debt, just the amount. I do not owe this, and I have never lived in NY. XXXX XXXX has never initiated a calll to me and has never communicated that they intended to post on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-10
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Since prior to the pandemic, Ive noticed that every time I get my balance low enough to make a purchase that COMENITY BANK lowers my available credit and it is always reduced to very close to my statement balance amount. EVERY-TIME WITHOUT FAIL. Example, today I received a letter reducing my credit limit from XXXX to XXXX and my balance is XXXX. Last time they did it was 6 months ago when my limit was XXXX and they reduced it to XXXX. ( These are round about figures but the actions of COMENITY BANK is what Im disputing. The first time when I called them, they told me that there was nothing they could do about it and I told him that the reason for my late payments was that they dont allow the auto pay feature on the account. OK, I get my negligence IF that was the reason they indicated. It was not. They told me that there was no correlation to reducing my credit limit according to my balance. Today, these actions have confirmed me that that is a lie. I was paying down my card so I could make a purchase for my birthday and this is the second time that theyve done this. and this does not allow me to make any purchases on my card. Over the last two years, my credit has been reduced by the bank. The most recent notice that I received explanation was due to previous negative relationship with the bank. Then on the bottom of the page is the mandatory credit report that they are legally obligated to send you. That is not an explanation. The only reason why I didnt pay off my account with them is because Ive had that credit card since XXXX  and at this rate, once they get the money, they will close my account, And closing that account will affect my credit average. But they are weaning me off of the card one way or another but they arent being honest about it. And this actually doesnt really help me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 account : XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX  {$400.00} XXXX {$1400.00} XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX {$350.00} XXXX {$350.00} XXXX XXXX  {$1400.00} XXXX {$1100.00} ( 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: IL
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:
It has been drawn out into the open that the credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXXXXXX Balance {$740.00} ; XXXX, XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$1500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX  XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX Inquiry Date XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX Inquiry Date XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone tried to open a ebay credit in my name. I've called the institution and they said it would be removed and it is still hitting as a hard inquiry on my report over a year now. Also there is another one regarding Amazon credit. SYNC/XXXX  and SYNC/AMAZON

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 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

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 2023-06-14
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It has been drawn out into the open that the credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance {$740.00} ; XXXX, XXXX XXXX XXXX Owed : {$1200.00} ; XXXX  XXXX  XXXX Balance Owed : {$1500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX  XXXX XXXX XXXX  XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX Inquiry Date XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022

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 2018-11-21
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
on the XXXX th of XXXX i recieved my first direct deposit from my Job in the amount of {$440.00} to my American Express acount. on XX/XX/XXXX an unauthorized money transfer to an individual whom i do not know, removed my direct deposit funds. On XX/XX/XXXX i discovered this fraudulent activity and notified American Express about the suspicious activity and opened a dispute. I changed all of my banking login information with the rep on the line with me. He told me i was all set an be on the look out for an email with the resolution to said dispute. On XX/XX/XXXX i was notified by email that my dispute was denied and my payroll check would not be credited back to my account. i called AMEX and was told to basically write a letter. i implored them to reconsider, as i work very hard for my pay as a XXXX. Again i was told there was no fraud or error. well something happened without my approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 appreciate your quick action and effectiveness in updating/correcting some of the negative accounts that were previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}

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 2023-03-16
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:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 moreover than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill in the mail addressed to my husband from Credit Management. L.P. They sent a very detailed, real looking bill attempting to collect a debt from XXXX  for the amount of {$59.00}. They provided a date ; XX/XX/2021. My husband logged onto our XXXX  account ; all bill have been paid, and payment is on autopay. When I XXXX  this company, the reviews came back that they are a fraudulent company that attempts to collect false debts. They have not contacted me any other way yet, but reviews said that they will call asking for personal information to close the debt and will make false reports to credit bureaus. 

They provided their information as : XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone number to pay : XXXX www.creditmanagementoline.com

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief