BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
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 is missing that should be on the report

Complaint:
I paid off the credit card with XXXX XXXX Bank. 
Experian deleted, removed, this account showing Excellent payment history from my credit report to provide lenders, creditors positive information. 

Experian has removed this positive credit reporting account from my record and left all negative, derogatory accounts making me like a risky, worthless borrower, infact, the credit characteristic is damaged. 

I have called to obtain a logical response, however, Experian employees advice to call XXXX XXXX Bank to report the account to Experian, hang up on me, do not transfer to XXXX. I have called XXXX XXXX and have advised to call Experian. 
In addition, I have uploaded an Experian letterhead providing infirmation such as credit card account is paid in full with {$0.00} balance. If thia letter is needed then I will uploaded to CFPB but I have to look for it at my files or at XXXX XXXX Bank inbox. 
Experian says I filed a fraud dispute regarding XXXX XXXX Bank. I did not file anything with 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 2017-07-10
Company: CITIBANK, N.A.
State: CA
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:
Citi bank Costco Visa advertised No foreign transaction fee. I was charged foreign transaction fee on restaurants, hotels, etc. for transactions occurring in XX/XX/XXXX 2017 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 2019-08-02
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: Account status incorrect

Complaint:
All major credit bureaus are refusing to remove information reported by XXXX XXXX inaccurately. Account not paid late and paid per the terms of a payment agreement.

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 called Transunion multiple times to update my credit report with the information provided. They ignored my attempts to fax, email, and give direct communication with the government agency to update a negative account. The account was a pay for deletion account with XXXX. The agent simply told me they don't have the power to add or remove information from a credit report. When I referred to their own guidelines of updating the information. The agent removed himself from the conversation. The second agent told me why would the other credit agencies remove the account and not their own if they requested the removal of the account. I told the agent that would be a question for them to answer. As XXXX provided proof that they sent request to all three credit agencies. With the account no longer showing on XXXX and XXXX. They refused to take my documentation online, fax, and email. Telling me to mail it in. This is simply bullying at its finest and really frustrating. As we the American public have no way of enforcing them to comply with FCRA guidelines.

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 2021-09-23
Company: Experian Information Solutions Inc.
State: VA
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 accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.

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 2020-05-26
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had approximately 75 ACH transactions from my employe to USAA without a single hold. I have many USAA products such as Credit Cards, Home and Auto Ins, etc. All of my bills to them are due in the second half of the month. Today, XX/XX/17, they held my ACH transaction for 7 days and will collect a late fee on every product I have even though they have my money. Seems very unfair and deceptive to charge a late fee when they have my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions 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:
On XX/XX/XXXX I requested Experian investigate the XXXX XXXX account ( XXXX ) that is reporting as a CHARGE OFF on my credit report. According to my credit report, the account was last updated XX/XX/XXXX. Meaning that Experian has never investigated the account once the dispute was initiated. This is a violation of the FCRA.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-02-18
Company: TD BANK US HOLDING COMPANY
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: Was not notified of investigation status or results

Complaint:
Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To : TD AUTO FIN on XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX, and/or XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides . A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; I did not give written instruction and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). XXXX XXXX XXXX 260 F. Supp 2d 711 ( S.D. Ind. XXXX  ). 
I have not initiated any transaction with [ TD AUTO FIN ]. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with TD AUTO FIN for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Possible Financial Inc
State: FL
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 at one point had a loan with possible finance. So kind of way the loan defaulted. Nevertheless, I reached out to possible finance and requested a pay for delete. I am showing that this account was removed from XXXX and XXXX. However, its still showing on my XXXX report. Im trying to purchase a home and Im begging your company to please remove this account from my XXXX ifs drastically affecting my score please and thanks

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My personal account is blocked from XX/XX/2022. The reason was that I'm not the owner of a phone number I'm using for banking. I called the bank and also went personally to the branch. They told me that they can't unblock my account until I receive from them a special code that is sent via traditional mail. I've been asked to wait 7-10 days to get it, but also they told me that they already sent this letter to me, so I should get it very soon. But after two weeks I still haven't received it. Now they are asking me to wait longer but I don't know for what? I have bills to pay and I have to use my savings that I have on polish bank account, so they produce me more costs for changing currency, and the only thing they can say to me is to wait more, but no one knows for how long it would be.

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 2022-02-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/22 around XXXX XXXX  I received a called from a person claiming to be from XXXX XXXX electricity company collection agency to collect a debt, the person that called told me I need to pay 800.00 immediately to avoid service interruption, They called from XXXX XXXX after I called back the number to verify which had the same prompts as XXXX XXXX I made the payment, after making the payment the persons attitude changed and I questioned them, I immediately called my bank Citizen 's to confirm what appeared to be XXXX XXXX payment to find out it seem to be a scam, I asked the rep to flag the transaction which he said he did, then I call at a later date to find out they still allowed it to go through. 
it was a XXXX payment feature through my banks website My citizens bank claim number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a credit inquiry from Target Friday XX/XX/2022, on my locked credit report that reduced my credit score by XXXX points. I did not absolutely not attempted to apply for any Target Credit AT ALL. I am currently out the country in the XXXX XXXX on vacation and have no need to apply for any credit while I am vacationing. Please have Target to remove the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: SYNCHRONY FINANCIAL
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:
Shows a recent payment of {$51.00} updated XX/XX/XXXX causing my scores to drop XXXX points each month. Last payment reported is XX/XX/XXXX. I have reported this on numerous occasions and filed multiple complaints with CFPB and all credit reporting agencies. This company is constantly reporting inaccurate data and affecting my credit profile as well as my credit score. This account is to be permanently removed off my credit profile due to multiple monthly reporting errors. I have file multiple disputes with XXXX, XXXX and XXXX over this inaccurate credit reporting with this company. They are willfully violating the XXXX. I will also be making a complaint to XXXX  and XXXX. If this account is not removed I will be reaching out to a consumer rights attorney and filing a lawsuit in regards to this issue.

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 2022-02-18
Company: Experian Information Solutions Inc.
State: AE
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:
I am requesting that my credit report dispute be reviewed. This is the XXXX attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

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 2022-02-18
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered a forbearance plan in XX/XX/XXXX because I my finances were negatively impacted by COVID-19. In XXXX of XXXX my job was terminated, and I was unemployed from XX/XX/XXXX to XX/XX/XXXX. I began working with my current employer on XX/XX/XXXX as a full-time employee, and my annual gross income is {$100000.00}. 

I have been in contact with my servicer, Specialized Loan Servicing ( SLS ) since XXXX of XXXX. I have submitted multiple mortgage assistance applications to have my loan modified, deferred, or put on a repayment plan. In the applications I submitted in XX/XX/XXXX and XX/XX/XXXX, I included all required paperwork, including pay stubs, tax returns, and bank statements. 

My monthly mortgage payment is {$1500.00}, the total amount owed is about {$33000.00}, my monthly gross income is {$9000.00}, and my monthly take home pay is about {$6000.00}. I'm also applying for the Virginia Mortgage Assistance fund. 

So far, SLS has refused to offer an assistance plan that lets me keep my house. They have refused to put the total amount owed in defferment, set up a repayment plan, or modify my loan with a 3 month trial period. I have shown sufficient income to begin making monthly payments, but they are threatening to forclose my house. 

They also reported my mortgage as deliquent to credit bureau agencies, even though I applied for assistance. I have had multiple SLS representative state that SLS won't move forward if I'm applying for assistance, but they have destroyed my credit score and made it nearly impossible to find financial resources to pay the lump sum owed. 

Note : I have the names, employee IDs, and date of contact for the SLS representative I talked to. I have also been in contact with a HUD-approved housing counselor.

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 2017-11-15
Company: EQUIFAX, INC.
State: SC
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:
I was notified by mail that I am a victim of the Equifax Data Breach upon reviewing my credit report after being concerned there are 3 accounts on my report that were removed earlier this year after disputing and and then re inserted sometime without the proper notification. The FCRA states they must send me notification within 5 days of the account being added or reinserted back to my report not only is the account info incorrect Equifax failed to send me notification of the accounts being reinserted. Equifax needs to remove these accounts immediately from my report. 
1. XXXX- XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX- EQUIFAX ALSO LIED TO ME ON SEVERAL OCCASIONS THIS YEAR refusing to correct my address STATING THEY NEVER HAD MY PICTURE ID OR SOCIAL SECURITY CARD ON FILE TO REMOVE FRAUDULENT ADDRESSES AND AFTER VIEWING THE LETTER OF THE BREACH IT SHOWS I INDEED SENT MY INFO AND THEY HAD MY DOCUMENTS ON FILE ALL THAT TIME. DOCUMENTS DATING BACK TO 2015 they only corrected this after sending complaints to the CFPB this alone shows this company can not be trusted. 

Here is the exact law pertaining to this situation : 15 U.S. Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii )  Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX Bank was bought out or merged with another bank and during that process my loan ended and there was a problem at the end of the loan related to the credit reporting. They are reporting numerous late payments and currently reporting me as past due in the amount of {$12000.00}. 

I have filed a complaint previously and it was forwarded to the Office of the Comptroller of the Currency. I received a letter from them dated XX/XX/2022 and they stated that XXXX made a correction to delete the negative late payments. To date, they still have not corrected it. I am really at a loss here.

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Reviewed my payment history with XXXX  for this account l, and for some strange reason theres one late payment report. Not only is there one late payment reporting its immediately for 90 days not 30. Lets be clear eventhough this late payment is showing for XX/XX/2018 this is my character, my credit my reputation was never late Ive been a loyal customer of XXXXXXXX even until this day me and my family have XXXX XXXX simply asking for a correction to the way the payment history is reporting with transunion.

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