BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2023-03-20
Company: Experian Information Solutions 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 confidentiality under 15 USC 1681. 

XXXX  account # XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX, has violate15 Ud my rights.

15 U.S.C 1681 SECTION 602 A. States I have rights to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2015 amount owed is {$410.00}. I have filed an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: BB&T CORPORATION
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: Information belongs to someone else

Complaint:
BB & T letter with provided dated XX/XX/XXXX account number ( see subject ) could not find any account with my information. They asked for information, I provided the account number they associated with the bogus account and they wanted an account number. There is no account. I have purchased 2 homes since and this is a non issue when I show letter. Stop reporting this false credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: EQUIFAX, 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:
After receiving and reviewing the results of a recent dispute sent to Equifax. I am confused on the response from the bureau. I had my XXXX file suppressed in XX/XX/2018 ( see enclosed attachment ). However, the correspondence dated XX/XX/2018 under Confirmation # XXXX states that Equifax verified their recording of my dispute with XXXX. 

Due to this development, I am know requesting the method Equifax used to verify certain items on the credit file dated XX/XX/2018 under confirmation # XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request the bureau must provide a description of the procedure used to determine the accuracy and completeness of the information. This includes, but not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following account : XXXX XXXX  XXXX XXXX ID # XXXX As stated in FCRA 611 ( a ) ( 7 ) the bureau must provide this information no later than 15 days  after receiving this request. It is amazing that Equifax through their reinvestigation is using a third-party file that is suppressed to verify a dispute. This appears a real violation of the Fair Credit Reporting Act codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: NJ
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:
All three credit reporting agencies that are registered as a LLC have no sign documents or authorization to be reporting anything on my credit report. I did not give authorized consent to XXXX, XXXX, Experian if they continue to report negative items on my report I will seek legal counsel and file a lawsuit for defamation of credit reporting. 

I have consumer rights. 
The original creditors sold my information to a 3rd party debt collector without my written consent!

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 2021-06-06
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:
There are XXXX accounts on my credit report that do not belong to me now I have gone thru the bureaus and the furnishers I have been sending them multiple letters and phone calls regarding this how is this on my credit report if it's not mine I need this taken care of ASAP!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX I Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : 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 2018-10-03
Company: AMERICAN HONDA FINANCE CORP
State: DC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I recently moved to XXXX and began the process of registering and titling my XXXX XXXX XXXX in the district. When I updated my information with Honda, they informed me that I would be responsible for paying the vehicle tax on my monthly lease payments ( 10 %, about {$30.00} a month ) However, I already paid tax on my vehicle in XXXX, which was capitalized on to my total lease cost when I purchased the vehicle ( about {$900.00}. ) XXXX provides for an exemption from excise tax for rented or leased vehicles ( # 7 under list of exemptions, which I will attach to this complaint ), as well as for vehicles moving to XXXX previously titled or registered in another state ( # 9 on list. ) I called Honda and spoke to a representative, who told me I could claim a refund from XXXX. After being unable to find that information and consulting with others who moved from XXXX  to XXXX, I called Honda back and requested they research it. The customer service representative told me I was unable to talk directly to the office that deals with tax amounts, but that she would relay my request. She called back the next week and told me that since XXXX does not provide reciprocity, I am basically out of luck.

Since I am covered on this list of XXXX exemptions, this is not correct. I am happy to pay the difference between the XXXX  and the XXXX  tax, or to receive a prorated refund of my XXXX tax, but I should not be responsible for continuing to pay sales and use tax in XXXX while my vehicle is titled, registered and garaged in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: LEXISNEXIS
State: PR
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 report shows a XXXX XXXX /XXXX  account that opened on XX/XX/2022 with a debt of {$5400.00} to loss that was never opened by me. 
I have never had accounts with XXXX. The address of the company that appears in the report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , MN XXXX TEL. 
XXXX On the other hand, my credit report shows two addresses where I have never lived XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
hello i'am having a serious problem with my Ashley home store synchrony bank credit card that I was approved for back in XXXX 2020.i 've been using this card to make a purchase online and in store at Ashley home store since XXXX.the card used to have a limit of {$6800.00} in that same year I made a purchase of {$4800.00} and I was able to clear the balance by the end of XXXXi went to XXXX in XX/XX/2022 and I used the card to make a purchase in one of their store in XXXX for a total of $ XXXXand that purchase come with 0 apr for 24 months.i made the first payment to the card in XX/XX/2022 and the next payment didn't post to the account I called them right away to inquire about the problem, later one the post a {$51.00} minimum payment to the account .I made one time payment to clear that out .the following day they switch up the minimum payment to a full balance clearance because they have my checking account numbers.i called my bank and blocked the transaction.until now they closed the account without a valid reason.iam reporting this because the disclosure of the account differs from the the way they proceed to close the account, there is any legal way to solve this issue, they actually report this to the 3 credits bureaux as default on payment to the account.how can I get this issue solve.

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 2021-12-06
Company: EQUIFAX, INC.
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed : {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
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: Their investigation did not fix an error on your report

Complaint:
I have disputed a bankruptcy on my Experian report and have ask that Experian provide me with written document proof of how this was verified/certified. Experian hasn't provided me the information as requested but continue to report on my profile. I would like the document proof that I requested or delete it from my profile.

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 2018-09-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Chase credit card. When we are late paying which a lot but we always pay, they call the house phone and my cell phone. They are relentless. We always pay. I know if we paid on time we would not have this problem but given that we always pay. It's outright harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I currently hold a bluebird card through American Express, and this is the third time this month that I have had issues accessing my money. There has been zero help trying to assist me with the problem. The first two were issues on their end, this last issue they are claiming that XXXX is having issues with their system and there's nothing that they can do to give me back my money now. I was rudely told to contact XXXX and basically hung up on once I asked to speak to a supervisor. Contacted XXXX they have instructed me to contact my credit card .... Here 's a brief summary of what I've been charged. I made a {$160.00} purchase on XXXX that cleared. On XX/XX/XXXX I again was charged XXXX that also cleared, then another transaction of XXXX on XX/XX/XXXX says merchant hold for review. Then on XX/XX/XXXX another XXXX purchase was placed on my account, putting the account into an negative balance. No one at Amex seems to want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Suburban Credit Corporation
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Company began calling me in XX/XX/2018. Ive requested a copy of the debt as I have zero record of an unpaid bill. The company has refused to send me something in the mail but continues to report it to the credit agencies. 

When I ask why they refuse to send me something in the mail the responses have been " We did. '' - refuse to admit they never mailed me anything. Even when I explain this is the only piece of mail I seem to never receive and have reconfirmed my address multiple times. 
" Why don't you learn how to pay your XXXX bills '' - By a female employee in XX/XX/2018. When I asked to speak to a manager at that point he told me I lied and she didn't say it. When I asked the manager why I still am not receiving a copy of my bills he once again said they have sent them but again, as of XX/XX/2018 I have never once received anything in writing from them as requested so I can dispute this charge with the original party as this was a health care bill that should have been covered by my insurance carrier and I've explained that I need more details before I can even attempt to resolve this and get the debt taken away from my name. 
XX/XX/2018 - called in again. Still refusing to send me something in writing but have not stopped calling me names or telling me to learn how to pay my bills. 

This is harassment and I want it to stop. I pay my bills on time and have over a XXXX credit score. I am trying to resolve this with the original lender and this company is purposely preventing me from doing so. 

Debt Collector Details : Suburban Credit Corporation XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor is a real estate agency called XXXX XXXX XXXX XXXX of an apartment I rented, where prior to move in I paid a security deposit via money order, the protocol was that in order to receive keys on move in date I had to bring a deposit, so I did. Upon move out, the company stated I didn't provide a long enough notice and also stated that I did not pay a deposit when I moved in so therefore the balance owed was for a one month rent plus several hundred for any damages and cleaning that accrued while I occupied the apartment. Which is absolutely false, I paid a deposit upon move in. Later, I found out from other neighbors that the previous manager fraudulently cashed the deposits and did not apply the money to accounts, as far as giving the notice to apartment according to State Law if the apartment remains unrented they are supposed to charge me the amount of days that it remains unoccupied, while I tried to resolve and paid for the amount of days it was unoccupied the balance still grew at an awfully high interest rate of 12 % with now a collections company, which also made zero attempts to inform me of the debt and the interest rate they go for. In conclusion, the original debtor received a payment of {$400.00} which I believed was what I owed for not providing enough of an advance notice prior to move out, which could also be argued since the apartment manager was never on duty, she later go fired.

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 2023-03-20
Company: DISCOVER BANK
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:
Please note that I am the author of this complaint and all attachments.

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX  automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: KEYCORP
State: OH
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:
2 of my checks were stolen from a mailbox. The checks were changed and made out to people I don't know and different amounts.they stole {$15000.00} from my account.this happened in XX/XX/2022. The money still hasn't been returned to me. When I first filled the complaint, I turned in a police report and provided all paperwork that I was asked for. I was told that it could take up to 3 months. I am given the runaround and I had to keep turning in copies of the same carbon copies of the checks and the bills I was paying with them. I had talked to XXXX XXXX at Key Bank and XXXX XXXX in client relations XXXX. This is a lot of money to me and I just don't know what to do anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Mountain Run Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXXs alarm was broyght out by XXXX we didnt find out until we upgraded our alarm system.Prior to that we had XXXX for XXXX to XXXX. No problems. When we upgraded they did a verbal recorded contract. We were tricked on the terms & conditions by the salesman.We paid for what we purchased. XXXX claimed we had late fees & interest owed. We did the math on the acct & We tried to get an understanding but to no prevail we parted ways.Now were here with an outrageous bogus bill on my credit.We dont owe XXXX  anything..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation