BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
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: Old information reappears or never goes away

Complaint:
There are several closed accounts on my XXXX, XXXX, and Transunion credit report that are extremely outdated and need to be corrected by being removed. Also XXXX, XXXX, and Transunion are reporting unverified information on my reports.

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 2022-12-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Good evening, To whom it may concern, My name is XXXX XXXX XXXX, The executor, secured party, creditor and sole living heir to the XXXX XXXX XXXX XXXX XXXX Reference XXXX XXXX FILING NUMBER - XXXX. 

I have contacted Experian numerous times using various methods of communications both written and verbal. My efforts has Been ignored, laughed at, discriminated against, mocked, and by them doing so has caused me pain and mental anguish. The unauthorized use of my private information by Experian and it's third party associates has not gone unrecognized and I must point to proof of such unauthorized inquiries and accounts. 

EXPERIAN has mislead me to believe that they are a Credit Bureau which is in fact the opposite. According to 15 USC 1681a ( d ) ( 1f ), EXPERIAN is a Consumer reporting agency and a Consumer Reporting Agency means any person which, for MONETARY FEES, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of XXXX XXXX for the purpose of preparing or furnishing consumer reports. 

Based on the scope of the definition, it clearly indicates that EXPERIAN is in the business of buying and selling consumer 's private information to third party vendors. Which would make them some sort of financial institution and also dealing in securities and exchange. 

Being a private XXXX XXXX and not a vessel of the United States. It is my right to demand access and assess all accounts and contracts that all XXXX XXXX has established with the XXXX entity XXXX XXXX without my written consent. That also includes EXPERIAN. 



The Freedom of Information Act ( FOIA ), the Privacy Act at 5 U.S.C. 552a ( b ), section 1106 of the Social Security Act, codified at 42 U.S.C. 1306, and SSA regulation at 20 C.F.R. 401.100 provide legal authority for disclosure of SSN verifications from SSA records.

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 2022-02-23
Company: Experian Information Solutions 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 received a copy of my credit reports in XX/XX/XXXX from XXXX, XXXX, and Experian am disputing some items that need to be deleted. There are inaccurate accounts and information listed on reports that I did not authorize anyone to open neither these companies to report on my history. I am assuming my information is at high risk of identity theft and fraud which is prohibiting me from acquiring a new home. 

XXXX XXXX XXXX received letter on XX/XX/XXXX, Experian XX/XX/XXXX, and XXXX XX/XX/XXXX. Its been well over 30 days with no response from any companies. According to the provisions of the Fair Credit Reporting Act these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. In your investigation results please provide the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please see attached USPS Certified Mail Receipts of Dispute Letters sent to credit bureaus agencies.

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 2020-04-30
Company: Experian Information Solutions Inc.
State: AR
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:
While I was in the process of trying to rent an apartment my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from identity XXXX to check the reason Iwas denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These account do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$430.00} XXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$670.00} XXXX   XXXX {$830.00} XXXX XXXX {$93.00}

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 explanation
Consumer complaint received 2022-12-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report shows that I had a credit card with SYNC/AMAZON with late payments back in 2016. That is incorrect information.

I currently have another SYNC/AMAZON credit card that is in good stating.

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 2019-05-08
Company: Resurgent Capital Services L.P.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Nine months ago, this company name CACH , LLC, C/O Resurgent Capital Services located at XXXX. XXXX XXXX in XXXX, SC XXXX started reporting a debt on my credit report from XXXX XXXX in the amount of {$730.00}. I contacted them and they stated they were hired by XXXX XXXX to collect on this debt. I contacted XXXX XXXX since I have several accounts with them and they indicated that this account was opened in XX/XX/2011. I personally do not remember the account but nonetheless, it is literally far beyond the statute of limitations for collections as well as the ability to report to the credit reporting agencies. I have written two letters to this company and they will not remove this item from my credit report. They are in violation of provisions of the FDCPA by implying that the legal status of this debt is collectible by reporting the alleged debt to XXXX, XXXX XXXX and XXXX. This has caused me a great deal of problems trying to get this removed. I have also written the Chief Executive Officers of XXXX, XXXX and XXXX in regards to this discrepancy. I have yet to hear any response from them yet. 

I am asking tremendously for your help in resolving this matter. This is totally unfair and in clear violation of consumer protection laws. Please help me resolve this matter as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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:
according to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted XXXX equifax or XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX  XXXX, XX/XX/XXXX of listed late payment 2. XXXX XXXX XXXX XXXXXXXX of XX/XX/XXXX listed late payment 3. XXXX XXXX XXXX XX/XX/XXXX of listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
Kind Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: UMB FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I placed a check refill order. The checks never arrived. Someone got the checks and used forged signatures to withdraw money from my account fraudulently for a total of {$61000.00}. 

I became aware of the fraud on XX/XX/2022 and contacted both customer service and the police that day. It took 55 days for them to mail be a claim packet. I filled out the claim, had it notarized, and sent it on XX/XX/2022. 

XXXX XXXX XXXX  has not returned these funds. 
XXXX XXXX XXXX has not contacted me with any updates. 

XXXX Police XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: AES/PHEAA
State: AZ
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 write to request that periods of full-time public service combined with periods of in-school deferment be counted toward PSLF. [ I was informed by FedLoan that payments while in grad school would not count toward PSLF, so I did not make any payments. ] If these payments would count toward PSLF, I would have enough payment for my loans to be forgiven under the new waiver. This would be a huge weight lifted from my shoulders as I have been in repayment ( on and off ) since 2011 and the amount owed has actually gone up! It's ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX to XX/XX/XXXX I have disputed items on my credit report with transunion and XXXX. XXXX and Transunion are great companies this is the first time I have had issues with my credit report involving removing items. XXXX  and Transunion are displaying incorrect information. There are also duplicate accounts on credit report when I only have one account. All accounts are closed because I filed Chapter XXXX. Some accounts were removed and then they reappear and then they remove them and then they reappear. Accounts that are closed are still open and showing that I missed a payment. I have asked that these accounts all be removed. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a credit card with chase. Chase put out an offer/advertisement to borrow against your credit card at more than 50 % lower than the rate on credit card. This was very attractive so I took it to take advantage of the lower rate. It turns out that this was not actually a good deal as this can mislead many vulnerable consumers who are looking to lower there rate hence lower their aggregate expenses, get more into financial trouble waters. 

As soon as I realized this, I called chase back to express my concern and requested the loan be cancelled. Chase representative told me they can not reverse the loan since it has been submitted. I was advised that the only thing I can do is to pay the money back once it is cleared, so agreed. As soon as the money get cleared I pay back the entire money. To my surprised when I view my statement I discovered the minimum was based on the loan already paid off. Now they are charging me interest on the loan paid off and balance on the credit card. 

When I called them again, the representative told me I still have some balance on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ATTN Fraud Department : Remove fraudulent accounts from my 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 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 gave my bank information over the phone to a woman collecting money for XXXX XXXX  XXXX XXXX XXXX card and then she didnt process my payment after she said she would. I asked to close the account and she transferred me to her supervisor, hung up and said thats weird and that she didnt hang up or transfer me yet. After it happened again I left it at that, assuming that she processed that payment like I asked her to. I had my doubts and then the next day I got a notification from Trans Union saying that there was a late status on the account. Not only did that first American representative not process my payment, she reported me to the credit bureaus, this after I have received no mail from XXXX or XXXX XXXX, and after I attempted to pay it. She was mean and told me I didnt know how credit cards work EVEN though I cooperated and gave her my information. We naturally didnt have a great interaction, mostly because of her bullying behavior. I have a XXXX XXXX and I thought I was doing really good with it and I try so hard to limit my stress but this gave me days of XXXX  and XXXX episodes. It should be against the law to go beyond your job duties like this and trample on human beings you might actually like, lying to yourself that, oh well, you dont make any difference, because you definitely do. Oh yes you do.

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 2023-08-04
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an Amazon store card. 
I made special promotional purchases, which I wanted to pay off in full. XX/XX/ I paid {$260.00} and told the bank to allocate that payment to pay off in full my promotional balances. 
Told the bank on numerous occasions and written on their website how I wanted the money allocated. Was told it would take two billing cycles, would be no problem. 
Was never paid off, talked to multiple supervisors multiple times and was told that it would be taken to care of on multiple occasions, all recorded. 
Keep getting billed $ 115 monthly for an {$800.00} balance, when on their website it states the payment should be around 2 % of the total owed. 
Told them multiple times I'm not paying {$110.00} to {$120.00} a month and that they lied to me on multiple occasions about paying my special promotional balances off. 
I refuse to pay them.

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 2020-01-15
Company: Amsher Collection Services, Inc.
State: KY
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 contacted Amsher on XX/XX/2020 ; to notified them the balance of my debt was incorrect on my credit report. The outstanding balance on this account was {$300.00}. They are reporting {$700.00}. They informed me that there was {$390.00} of interest on my account. This totals out to be 56.19 % of interest. I believe they are in volition of the Military Lending Act. I am an XXXX XXXX service member and under that Law I can not be charged a rate of grater than 36 %. I would like the negative credit reporting removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS 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 2020-01-15
Company: CITY NATIONAL BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called the number on the back of my card ( XXXX ) and asked for them to close my credit card on XX/XX/XXXX. On XX/XX/XXXX I received an email from the the local banker ( XXXX XXXX ) asking me to confirm that I really wanted my account closed. I confirmed via email the same day. At that time I had a {$670.00} credit balance on my account. After that, I was charged a {$400.00} annual fee and my account was closed, even though I had requested the closure prior to being assessed the fee. I contacted XXXX XXXX about the issue and she informed me that I would receive two checks in the mail : a {$270.00} check for the refund of the balance and a {$400.00} check to refund the annual fee. I received the first check for {$270.00} ( dated XX/XX/19 ), but the second check has not arrived. I contacted XXXX XXXX again multiple times this week, and all emails are being returned as undeliverable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: AR
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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my 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 explanation
Consumer complaint received 2023-03-08
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am requesting validation of the debt from this company. I mailed letters last XX/XX/XXXX and XXXX XXXX XXXX  via USPS. However, I received no proper response or validation and I already need all the help to resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a derogatory mark on my credit report from a debt collector I have no knowledge of the balance would like it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief