BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I contacted XXXX to have them remove the two hard inquiries that were listy on my credit report with out my permission. I then proceeded to tell the woman I spoke to that I never Inquired about any of thier airlines or credit card. I continued to notify her that XXXX showed up on my credit report twice once in XX/XX/XXXX and again in XX/XX/XXXX and it clearly says XXXX XXXX XXXX XXXX/XXXX. The woman got my information just to make sure I didn't have an account with them. Then laughed at me and said " I just realized your my 10th call on this situation today. We are not an Airline you will have to file a dispute with your credit company ''. Instead of filing I called XXXX XXXX and I was told I needed a letter from XXXX  to be able to remove it. I don't even have an account with them nor have I ever heard of them. I also looked them up and they are way over in XXXX FL I don't even live near there. This needs to be fixed. I also found on the forum on credit karma I am not the only person this is happening to. Something needs done about this.

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 2018-06-09
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Merchants Adj Service has willingly reported to the three credit bureaus a debt of {$91.00} XXXX XXXX XXXX XXXX. I never received a notice of right to dispute by mail from them at my Current address. I have contacted them several times demanding they remove the reporting and resend the file to my medical insurance provider as my claims are covered 100 % by either Medicare or Medicaid in the state of KY. They have ignored all attempts to comply to the FCRA on reporting and the FDCPA on the proper procedure of rights to disputing. I will continue to exercise my rights under the FCRA filing regularly under the CFPB portal including but not limited to litigation if deemed necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: EQUIFAX, INC.
State: MD
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:
I submitted a dispute on an item through the Equifax online option. I received information that the investigation was completed and for me to check the results online. I have attempted to review the results on numerous occasions. The Equifax system advise that they can not confirm my information. This is a standard practice with Equifax with not allowing me access to credit file and or investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/2018 I email a dispute to Portfolio Recovery It has now been over 30 days enought time to do what I requested { they have not complied to anything, Enclosed is the affidavit 's that was sent with proof it was sent under FCRA they had 30 days to reply I request that the credit reporting companies remove the account at once. XXXX still showing as XXXX XXXX/XXXX XXXX as owning account and PRA is under collections they can not report both a clear violation I leave this in the hands of the CFPB to investigate and any and all documents in this matter going or coming will be forward to the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS is refusing to help me fix my mortgage, give me an affordable rate and or to even review me and my financial situation for any type of mortgage assistance. i continue to be told that because the type of loan i have i am unable to afford my home. if that was the case then why give me a mortgage? SLS is telling me i can not afford the loan without reviewing my income documentation and financial status. they are not even allowing my information get to the investor and are making decisions without their consent. I lost count how many times i have sent them my financial and modification application for them to review me and they have literally told me they will not offer me a modification as much as they have told me the will not review my documents. i need all the help and support i can get to make them give me assistance.

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 2018-06-07
Company: EQUIFAX, INC.
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX  XXXX, Hurricane Harvey hit the XXXX area and flooded my home. I was not able to get in contact JP Morgan Chase since I lost everything. During the month of XXXX, I was able to start contacting creditors including JP Chase. Thats when they notified me that account was now close and will not be able to open up. The customer service rep notify me that there was nothing to be done and it will sent to collect. " saying i don't care if you were hit with a hurricane, you owe chase money! '' I still tried talk to several customer service reps and the same answer. Please do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Last month I noticed several accounts on my TransUnion profile that should not be on there. It has been over 30 days since they received my dispute letter. I have attached a copy of the tracking number ( mailed certified via USPS ) thats directly from the USPS website as proof that TransUnion received the dispute letter and when they received it. I also attached a copy of the dispute letter that I mailed. I am demanding that ALL of the unverified accounts be removed IMMEDIATELY. It has been over a month, I have not received a response from TransUnion, and they have not verified the 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 2018-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2018, I sent Portfolio Recovery a cease of communication letter, which they signed for and they continue to harass me by sending me mail everyday from their XXXX, CA address. I have tried repeatedly to get Portfolio Recovery to stop sending me mail, to remind them to follow the law and they continue to ignore my requests. See attached documentation as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax and XXXX are still reporting public records information to my credit reports that their public records vendor has CLEARLY removed. Please see enclosed notice from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: DISCOVER BANK
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
Discover charged me for a payment protection plan that i did not sign up for. They are cancelling the plan for me but only refunding a portion of the charges. This happened in XX/XX/2011 with a lawsuit to follow. Just want to make sure it is known that they are still doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

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 2018-06-12
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I wrote the credit bureaus regarding an account that was reporting on my credit report that I settled some time ago, however they wrote to tell me that this account was verified as not been closed, yet on the credit report the status on all three ( 3 ) bureaus said " Closed ''. I voluntarily returned my motor vehicle back to Toyota Motor Company and we settled this account from XX/XX/2012 but this has still been affecting my credit report and I do not know what to do. I wrote Toyota financial about this issue and still waiting for a response. I would really like to settle this issue and have this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

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 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom This May Concern, I contacted Transunion, XXXX, and XXXX  months ago as well as again on XX/XX/XXXX. In my complaint, I explicitly listed under the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature of the accounts listed below.

The accounts listed were : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card The response I received back was, " We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow up with you within sixty 60 days from the date you submitted your request. '' This is unlawful as dictated by the Fair Credit Reporting act. CRA 's only have 30 days to validate and are required to remove the information listed on the report unless it has been lawfully validated. Through the PHYSICAL verification of the original signed consumer contract with MY signature of the account. 

So far, no signature has been produced, and my attorney is now pushing me to seek penal damages since my very first request was completely ignored. I'm livid that you would treat me as a consumer unfairly. I'm livid that you willfully violate the law every day when you " verify '' information. Despite the numerous whistle-blowers that have come forward to discuss how you " verify '' information, you continue your practice of unlawful verification. As my attorney has advised, there is no reason to open a dispute for debt validation. You are supposed to speak to the creditor directly to request my agreement and verify my signature. Opening the dispute process navigates your fraudulent means of verification, but your digital verification system does not satisfy requirements under Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ).

Furthermore, please note that I have opted out in writing to your forced arbitration terms. 

I have proof that you have violated my rights, as noted under FCRA. I'm giving one final chance to sort this matter out before turning it over to my attorney. 

Sincerely, 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
Consumer complaint received 2018-12-05
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I'm an American Express Platinum member and I'm unable to use my Membership Rewards points. I contacted American Express and nobody was able to tell me why I couldn't use my points and when the issue would be resolved. I find it unacceptable I have to waste my time to file a complaint so I can use my points. Please let me know if the issue will be resolved so that I know whether to cancel my accounts before the anual fees are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hello I purchased a vehicle from XXXX XXXX XXXX XXXX in XXXX, Illinois. XXXX 2021. I specifically told them Do Not Run My Credit I am a cash deal and already pre approved, because I was pre approved for {$55000.00} with XXXX  XXXX. I didnt need any financing from any other banks or dealerships. They ran my credit to other companies with out my authorization or consent. Ive contacted TransUnion, XXXX XXXX, and XXXX XXXX XXXX multiple times this month as well as last month regarding these inquiries reporting on my Transunion report due to unauthorized running of my credit by XXXX XXXX XXXX XXXX in XXXX Illinois. They kept pressuring me to run my credit to see if they can get me a better APR I refused multiple times. I stated I was not interested and please dont run my credit to anyone I have a pre approval letter. Few weeks later I get a denial letter from XXXX XXXX XXXX XXXX XXXX. Which XXXX XXXX XXXX confirmed they stop using 3 years ago. It also is being reported on my Transunion credit report along with 2 other inquiries that were not authorized XXXX XXXX XXXX and XXXX XXXX and XXXX inquiries are/was not authorized by me and should be removed immediately as I explained to the fraud departments of each of these companies prior to contacting the CFPB.

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 2021-04-11
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Starting last month, XX/XX/2021, after multiple years of having this Macys account, they are preventing XXXX XXXX XXXX from making purchases online stating authorization holds even though Macys has repeatedly cancelled online purchases about 10 times in the last two months. 

XXXX XXXX XXXX is a co card holder, and can prove that hes been able to buy the same items in store off the shelf and ordering with a clerk online in the store, that Macys cancelled online. Worse Macys is not updating the available balance for multiple weeks after payments have been made, returns have been made, cancelled online orders by Macys etc. The available balance keeps deducting without lawfully updating the account to current. They keep issuing billing statements with wrong available balance that doesnt match with current balance. 
This happened last month and they promised this wouldnt happen again, ona legal phone call recording that, we, XXXX XXXX XXXX and XXXX XXXX XXXX have an are withholding for our evidence. 

Balances are required to be updated immediately not weeks later. 

We are very concerned that Macys admitted in an online chat on XX/XX/2021, which is attached to this complaint, that there are authorization holds. 

No explanation for this. Only reason there would be any authorization holds on an account, would be stating theres a illegal conservatory accessing our account without our knowledge. 

By definition of having this card there shouldnt be any authorizations required. This card had a {$7300.00} limit, which proves authorizations are not required. Theres no such thing as authorization required to make online purchases. 

We dont accept this unlawful response. On time payments for over 4 years. This has been happening for the last couple months now. Doesnt make sense. Especially when a instore clerk can order an online purchase for XXXX but Macys wont allow it to personally done online. 

Whats the problem? Why is this happening all of a sudden? Authorizations doesnt exist. 

This complaint doesnt require a phone call because Macys isnt putting anything in writing besides the admittion through the Macys chat. 

Why is it taking weeks to update available credit usage and balances? Why is this happening all of a sudden? Why is Macys preventing online purchases? This has never happened. 

Why is Macys not following fair credit reporting act. 

Phones calls were already made, and it didnt resolve anything. Screen shots of this online chat is attached We, XXXX XXXX XXXX and co card holder XXXX XXXX XXXX XXXX all rights as pro se.

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 2019-01-07
Company: Reliant Capital Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Government shutdown responses via the following two websites are allowing Federal Student Aid, FTC, US Department of Education, XXXX, and various collection agencies to sidestep their fraud. Reliant Capital Solutions , LLC and various other collection agencies tampered with an original letter issued by US Department of Education and promissory notes in effort to gain monetarily in an illegal manner. Individuals took records out of a XX/XX/XXXX Bankruptcy proceeding and abused it.

XXXX XXXX XXXX ( trustee ) was contacted in XX/XX/XXXX regarding the Bankruptcy records on this issue. The complainant was told that the record had been gone for many years ; thus, even more reason to believe that collection agencies and US Department of Education and their affiliated collection agencies - whom remain unresponsive ; are intentionally causing financial damage to cover up their identity theft and fraud.

Collection agencies can not make decisions on their own on student loan debts and neither can US Department of Education. There is no such thing as an informal review when tax refund offset is involved, it is a financial process. We do not have wage garnishment related to student loans in this country. You can't even do what you are doing without notifying students.

Company response to consumer: Closed with non-monetary relief