BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Trans Union reports my employer as XXXX XXXX. I have never even HEARD of this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX, this is not mines. Please delete this account. 

Item # 2 : I dispute XXXX, this account balance is wrong. 

Item # 3 : I dispute XXXX  XXXX XXXX XXXX XXXX, this is not mines. Please delete this account. The company never sent me a notification of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter.

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 2020-11-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I continue to receive letters from The XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX advising my loans are in default which is incorrect and a blatant lie. I believe they are trying extort full payment of my loan to keep the information off my credit record. I am current on my loan payments and have been current for approximately several years.

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 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX continue to receive letters from The Kentucky Higher Education Student Loan Corporation advising my loans are in default which is incorrect and a blatant lie. I believe they are trying extort full payment of my loan to keep the information off my credit record. I am current on my loan payments and have been current for approximately several years.

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 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that were used to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$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 explanation
Consumer complaint received 2020-07-09
Company: Paramount GR Holdings, LLC
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: Account information incorrect

Complaint:
XX/XX/20 called Loanpal due to credit alert. My score had dropped over 100 points on all 3 credit reporting bureaus. I asked why the report was made as I've never not paid. I had been told that my payment went up because I had not met a target rate and I was delinquent 30 days in the amount of {$60.00}. I was unaware of any target rate. I explained that I'd always paid my bill based on the contract amount and had not missed any payments. I asked that they make the correction and there was no give there. 

This is an installment agreement. The payments are to be the same month over month. This is what I was told when we made the purchase. The company derailed my credit because they chose to raise my payment. They ruined my credit over a {$60.00} underpayment that I was not aware of. 

I paid the additional {$60.00} and have been paying the bill at the higher rate. This is unfair as I agreed to a monthly payment of {$140.00} which is the amount paid each month. This is tantamount to fraud and is clearly a bait and switch scheme. 

I'm appalled they would report this given the current world events. The economy is in shambles for many people. There was and has been no offer to defer or even correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: ALLY FINANCIAL INC.
State: PA
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:
There is an inquiry on my report that i did not authorize nor was credit granted. i submitted a letter to the bureau 's to investigate and to show me how they got their information because I never granted anyone permission to do so. there was no response. The inquiry is still on my report. 
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 2018-07-17
Company: Transcontinental Credit & Collection Corp
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
trans continental credit collection corp .threat to report me to the credit bureau.and calling my job and homeand threating letter in mail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
IVE BEEN A VICTIM OF IDENTITY THEFT SOMEONE WHO STOLEN MY IDENTITY APPLIED FOR CREDIT CARDS THAT IVE NEVER AUTHORIZED IVE REPORTED THIS TO THE FEDERAL TRADE COMISSION AND I DID A POLICE REPORT AND THE FRAUDULENT INQUIRY ARE LISTED BELOW XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX Inquired on 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 2018-08-19
Company: BARCLAYS BANK DELAWARE
State: NY
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 have an XXXX MasterCard. I pay an annual fee and in return do not get charged a surcharge on overseas transactions. When using the card in XXXX, the XXXX bank offers the merchant a choice of charging me in Euros or in Dollars. The rate of exchange the XXXX bank uses to calculate the Dollar amount is, of course, a rip off. I have tried to get merchants not to choose the Dollar option. But they don't always understand, and in a restaurant, I am not standing next to the waiter as they process the transaction.

I am sure this practice must be costing cardholders millions. It should be stopped. And of course, I should be compensated for the losses I have suffered.

I am attaching a statement. Most recent charges are in Euros. But there area few XXXX  charges in Dollars. This is where they are ripping people off.

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 2018-07-17
Company: SYNCHRONY FINANCIAL
State: MA
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:
XXXX Inquiry from XX/XX/2016 + Finance i never inquired this company and it affected my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-08-06
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Company called XXXX is attaching a collection to my credit report on both XXXX  and Transunion. They say its for a commercial loan to XXXX XXXX. It would have been for a commercial loan to a dissolved company. To get around the consumer credit rules these companies are reporting it as collections to the individuals. The loans are unsecured purchases of receivables. When the companies go bankrupt they use this tactic to affect the individuals credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts and credit inquiry listed on my XXXX XXXX, Experian and XXXX credit report is fraudulent, unauthorized and not my accounts or credit inquiry : XXXX XXXX XXXX XXXX # : XXXX,XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX credit inquiry : XX/XX/XXXX. I have never lived at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, ND 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 2023-03-04
Company: Experian Information Solutions Inc.
State: OH
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:
Pursuant to 15 USC 1681b credit reporting is voluntary and I did not consent neither did I provide written notice to report account status With XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX or Experian. 

In accordance with the Fair Credit Reporting Act this creditors XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights under 15 USC 1681 section 602. I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose. 

XXXX XXXX also has many inaccuracies on my 3 credit profiles and the FAIR CREDIT REPORTING ACT entails me to a clean fair credit report and all XXXX bureaus shall be providing ACCURATE information. 

I HAVE NEVER BEEN LATE ON THE POSSIBLE FINANCE ACCOUNT On EXPERIAN! 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to ON TIME, NEVER LATE as they should be as I was NEVER Lat

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 2020-02-04
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a Citi checking account in a promotion to receive XXXX ThankYou Points ( value : {$500.00} when used for travel ), which required me to open a checking account, make a minimum deposit, make a couple bill payments in a certain amount of time, and maintain a minimum balance. I had done these things but then Citi abruptly closed my account, claiming, incorrectly, that I did not provide certain information in a timely manner. After failing to resolve the issue with the bank, I submitted a detailed CFPB complaint ( # XXXX ) on XX/XX/19. Soon after, I was contacted by " XXXX '' from Citi who reviewed the evidence I provided in that complaint that Citi had acted in error, and XXXX re-opened my checking account and agreed to credit my account for XXXX ThankYou Points once the minimum balance was in the account for the required time. Apart from the ~1 week in between my account closure and re-funding it, Citi has had {$15000.00} of my money for 4 months now. XXXX left me a phone number to contact her, XXXX. Nearly 2 months after last speaking with her, my account has not been credited with the XXXX points and I am unable to contact this person. Despite repeated attempts she does not answer her phone and, curiously, she does not have a voice mail. Without any other way to reach her, I have contacted Citi online and by phone, where I was bounced around between several foreign  call center employees, none of whom had a clue how to help me. So once again I find that I must file a complaint with the CFPB, since Citi has made it impossible to get a hold of someone who can help me ; unfortunately this appears to be the only way to reach someone at Citi who has the power to make things right.

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 2018-07-17
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a loan amount approved with Credit Acceptance for a XXXX XXXX which I received from XXXX XXXX XXXX. On XX/XX/2017 I had to purchase a new engine and services for the car of {$4600.00}. Apparently the cars engine block was broken and desperately needed to be replaced. I had tried for months to resolve this issue but had no success. I had repeatedly called XXXX XXXX XXXX and Credit Acceptance to ask for help but received none. I also ended up paying out of pocket for a rental car for weeks and was never reimbursed for it. I was under the impression that the payment for the engine block would go towards my monthly payment for the car.

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 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XX/XX/XXXX, I filed a dispute with transunion for my auto loan account with XXXX XXXX XXXX ( account # XXXX ) to update the balance. I explained that the balance was {$1000.00} less than what was being reported. Instead of updating the balance, the account was deleted from my credit report which lowered my score XXXX points. I called transunion and they said that they deleted the account on XXXX XX/XX/XXXX because the creditor could not verify the account. I called XXXX and asked them and they said they do not show any contact with Transunion and that the account is still open and in good standing and should never have been deleted. They sent me billing statements and the contract along with payment history. I told Transunion I had this information that shows the account is still open and should not have been deleted. I was told it didn't matter, that the account was deleted because they couldn't verify the information. How can you open an investigation and delete the account the same day? And why does the creditor have no record of this contact or dispute?

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 2018-07-17
Company: FIRST NATIONAL BANK OF OMAHA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I've had a credit card with First National Bank for 5+. They gradually increased my limit offer the years due to my history. My limit was increased to XXXX, a few months ago I used the card 's maximum limit as my family and I were going through home changes as we needed to move. The funds were used to help renovate our home. Approximately 2 months later I paid the balance off in two payments. First National Bank promptly decreased my credit card limit from {$10000.00} to {$1400.00}. I went to used the card and was declined which is how I discovered that the limit was drastically decreased. I called and the excuse they gave me was that there were a lot of inquires on my credit report. This leads me to believe that when you get a credit card with First National Bank, they expect you to not do any other form of business where your credit is concerned. I checked my credit report and it shows it was decreased on XX/XX/XXXX, I made a payment on XX/XX/XXXX to bring the credit balance back to {$10000.00}, that payment posted on XX/XX/XXXX. I feel I was discriminated against because my family and I needed to move and needed a new loan which of course required our credit to be viewed by other creditors. It is absolutely unfair for First National Bank to decrease their clients credit limit based on their family needs, especially when the balance is paid. It was not left on paid, or resulting in late fees. Though our credit was view for loan we needed, we still ensured to pay our balance. Card number ending in 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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by Transunion, XXXX, and XXXX. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including XXXX, Transunion, and XXXX ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

Tracking number from XXXX XXXX XXXX XXXX XXXX Transunion 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