BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Seeing how TransUnion finds it fitting to respond with canned answers, and their response has nothing to go with my question, I will keep filing complaints until they actually respond. Here we go again. 

Below is your response to my previous repeated complaint : We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of our research, XXXXXX/XX/XXXX # XXXX is currently not reporting any late payments. Please be advised, we store information in our records as it is supplied to us by creditors. When information is disputed, we are required to investigate and record the current status of the information. We do not provide dispute verification responses received from creditors. If you need to obtain documentation or written verification concerning your accounts, then please contact your creditors directly. In my complaint nowhere did I ask if XXXXXX/XX/XXXX still showed me as delinquent. Yet for some reason you went forward with telling me something I never brought up. My complaint was : No corporation, no entity, no individual, no groups of individuals, no DBAs, no limited liability companies, every gave TransUnion a report, a document, a form, a transmittal, a fax, a email, or anything stating I was delinquent on a thing. Yet TransUnion created a report, made that report public, where the report stated I was delinquent. Why?

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: 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:
Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the Equifax data breach I found unverifiable, invalidated, inaccurate, and questionable items that XXXX, Equifax, XXXX didnt make sure it was reporting 100 % correct. I reached out to them and nothing was done. In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have spent XXXX hours total on hold in the past week attempting to get access to my Citizens bank account online and through their mobile app. Their support personnel keep saying " there's a new authentication system, and it isn't working... there isn't anything I can do... try again later ''. I try again later, days later, and still nothing. The nearest physical branch is nearly an hour away from me and they will not fix their online access issues. Their support people do not have any ability to fix, reset or unlock accounts- and they have repeatedly stated that they, too, are frustrated with the poor software that was rolled out for the new authentication system which is non-functional. 

I have no access to my money at all because of this issue and the bank is not resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I am experiencing issues with LexisNexis inaccurately reporting items to credit reporting agencies regarding my credit file. It should be noted that LexisNexis is not my creditor and therefore lacks the authority to report erroneous information to credit reporting agencies about my credit file. I dispute any claims suggesting a creditor relationship with LexisNexis based on a contractual agreement to report such inaccurate and incorrect information. I demand a manual review of my dispute to rectify and eliminate the inaccurate and incorrect information, which violates FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). I urgently request an investigation into my concerns and the immediate removal of this inaccurate information from my credit file, as mandated by law. Moreover, there are addresses listed in my credit file report that contain incorrect and inaccurate information. According to FCRA Section 623 ( a ) ( 1 ) ( C ) and FCRA 623 ( a ) ( 2 ) ( B ), it is evident that this information is inaccurate, requiring immediate investigation and removal of such inaccuracies. In addition, I request that LexisNexis notify all credit reporting agencies about the inaccuracies and incorrect items that they have reported regarding my credit file. LexisNexis is not my creditor and therefore lacks the authority to report erroneous information to credit reporting agencies about my credit file. It is crucial for them to rectify this situation promptly and inform all relevant agencies of the necessary corrections to ensure the accuracy of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They are in violation of HIPAA Laws by contacting me about medicals bills under my daughters name to be charged in my name. 

These collections are to be resolved by XXXX and only XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
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:
My complaint might seem strange. All I want to do is pay for what I charged on my HSBC card. 
In XX/XX/2018 I applied for, and received a credit card from HSBC. I made two charges on the account totaling about {$200.00}. Since I have incurred the charges, I have not received a single statement or communication from HSBC. They have not allowed me to access the account on their mobile app.. I have tried to contact the company on numerous occasions to try to pay the account balance. I have spent in excess of five hours on the phone trying to get this situation resolved. At their request I have sent multiple emails ( copies attached ) trying to obtain a statement. I get no reply and they wont communicate with me, but they have no problem communicating with the credit agencies to report my account delinquent. I have never missed a payment on any account in over 50 years and now my XXXX   score has dropped from XXXX to XXXX. Needless to say Id like to get this resolved. 
Thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: NH
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:
XXXX  XXXX servicing is refusing to remove an inaccurate 90 day late mark on all three of my credit bureau 's reports in XXXX of XXXX on several of my loans. However, my letter that I received from XXXX clearly states I was in Forbearance from XX/XX/XXXX - XX/XX/XXXX. I have disputed with all three credit bureau 's and XXXX refuses to remove it even with the attached letter they sent to me with the dates clearly listed on the letter sent. They continue to report this as a 90 day late mark, stating I never entered into Forbearance until XXXX of XXXX. 

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

At the time, even if my payments were late in XXXX of XXXX, and XXXX   XXXX accurately reported them as late. XXXX, later granting a forbearance for that time period, per the cited opinion, XXXX  XXXX has the duty to update the accounts to show that there were no late payments given the account status of being in forbearance during the period late payments were originally reported.

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 2023-07-09
Company: Primus Law PC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Excessively threatened me with wage garnishment and refused to stop contacting my XXXX XXXX wife, I've called the actual lawyer, another assistant and his immediate manager and told them that XXXX is not to contact us any further in the future. The very next person that calls is is XXXX. This is not appropriate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX ( XXXX ) conducted 7 unauthorized hard inquiries on my Equifax report when I requested an increase on my credit card limit. I was not told or warned that this request would pull a hard inquiry and therefore they did it without my consent. 
The hard inquiries reported are dated below : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I contacted XXXX XXXX customer service to discuss a transaction. While speaking to them, it appears the phone call was hacked into, and a man who identified himself as a customer service rep started asking questions about my profile for identification purposes. When he asked about my Bank of America accounts, I became concerned when he went into details about my balances. The man first XXXX {$1400.00} out of my XXXX account ending in XXXX. When I noticed the transaction, I could not stop it, or able to log out of the account myself. I then restarted my cellphone and immediately called Bank of America. As he tried sending a second transaction for {$1900.00}, as I was already on the phone talking to a Bank of America customer service rep who was able to stop in right on time. The man had also withdrawn {$990.00} from my personal checking account ending in XXXX, using my XXXX profile. I then contacted Bank of America fraud department and filed claim # XXXX. After months of waiting, Bank of America stated they were able to resolve the transaction for {$990.00} but not the transaction for {$1400.00} as I was not able to prove I did not purposely send the money myself. This is infuriating because they have proved that I called them on time to stop the second withdrawal attempt of {$1900.00}, and the one for {$990.00}. Both transactions from the account ending in XXXX were made by the same person, same email address, and almost simultaneously. I was forced to close and reopen new accounts. I have been a loyal Bank of America customer for 20 years. This is what I get from them. I am a hard-working XXXX XXXX XXXX who is constantly risking his life for his family. This is how Bank of America values my loyalty. So, I ask you to please help me.

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 monetary relief
Consumer complaint received 2023-07-12
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I made a purchas e with Macy's.com in  middle  XXXX . They not only put an initial authorization hold on my chceckong account ( debit card ) for {$370.00} but they did that a second time and then charged my account when each portion of the order shipped out. I filed a complaint with the Ohio attorney general and the Executives offices called me and offered to refund 50 % of my order after having a sim of {$1000.00} on hold that I had not authorized in my account for approximately 14 days. I was advised that they would be sending me out a gift card for the initial purchase, as I returned most of the stuff on the order. I called today and found that there is still a {$370.00} authorization hold on my debit card and they are refusing to send out the card because the rep did not notate the account properly when they promised me the card. This same situation happened to me in  XXXX . I no longer have documentation however the Ohio attorney general does.     I want them sanctioned, and I want what was promised to me as well as the hold removed from my debit card. This has been going on  for 9 weeks and they still have not fixed the problem but heir Compliance person the responded to the complaint lied to the  Attorney General.

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 monetary relief
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2018-10-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have an installment loan with ACE cash. I went on loan to pay more than my upcoming payment. I had done this in the past without issue. The online payment page tells you to cancel your upcoming payment, to make a higher payment. Then refuses to allow you to do so. I called to make the payment but was not allowed to, however could pay the loan in full. When I called to do that a few days later my pay off amount went from XXXX to XXXX. Ace has made it next to impossible for me to pay this loan. When I asked for the corporate number they refused to give it to me. I am so upset by this company! It seems as though they want to make it hard for you to pay, so they can charge extra fees and interest. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I open an account with Freedom Debt Relief to consolidate my debt. My first payment was deducted out of my account in XXXX of 2018. My account shows that 2 accounts have been resolved, but when I look into details, I show that 3 payments have been made in full. This does not match my dashboard. The settlement amounts are less than the amount that the company claims has been paid. Im addition, my credit score stays the same or gets worse as time goes on. I reached out to Freedom Debt Relief in hopes of bettering not only myself, but my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: AFNI INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. 

Please remove this from my credit report so I can start possibly rebuilding my credit and life. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2016 agreement was reached with XXXX XXXX XXXX XXXX on behave of check and go for a settlement amount of {$880.00}. Final payment of settlement was made XX/XX/2016. We have final settlement letter on hand. Since then we have been repeatedly contacted by multiple collection agencies attempting to make a collection for {$570.00} on behave of check and go. There was only one transaction that was ever owed to check and go and that was settled. No other loans or transactions made with check and go have ever gone into collections. Each time we have been contacted we have been threatened with legal action and/or arrest. Once explained that this matter should have been resolved and having offered proof the collector became more and more aggressive. We would like to have this permanently cleared from my credit and the harassment to stop. This has been going on for almost 4 yrs every 2 or 3 months and it is always a different agency calling with the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Account information incorrect

Complaint:
Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - These accounts are inaccurate. The days late is inaccurate. Transunion is reporting different information than XXXX and XXXX. Since credit reporting agencies must correct or delete inaccurate, incomplete or unverifiable information, Transunion SHOULD NOT have different information than the other two credit reporting agencies. They said they have verified these accounts as accurate, so how is it that they have actually verified these accounts if they are still inaccurate? 
Furthermore, I have repeatedly asked for information regarding how they have verified my account and who they spoke to in order to obtain accurate verification. TransUnion has failed to respond.

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 2018-12-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Several accounts on my consumer report are inaccurate. I am a victim of identity theft.

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 2020-07-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I put in a dispute on my XXXX XXXX  credit card on XX/XX/XXXX it still has yet to be resolved in the 30 days I have sinced called both companies involved a few times and have yet to resolve this issue also I have received late fees since this has started. XXXX XXXX  would not remove the charges of items I received and comenity capital bank has not disputed the charges yet.

Company response to consumer: Closed with explanation