BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-11-28
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2018, I applied for a XXXX XXXX credit card through XXXX XXXX using an on-line application. I received an automated email message confirming receipt of my application, which indicated that I would hear back within 2 weeks. 

On XX/XX/2018, after hearing nothing from XXXX XXXX or XXXX, I applied again on-line. I received the same automated email message as on XX/XX/XXXX. 

On XX/XX/2018, I stopped into a XXXX XXXX store to inquire about the status. I was told that the application was being processed. 

On XX/XX/2018, I called the phone number on the XXXX XXXX web site to inquire about the status. After being transferred four times, someone from XXXX told me that I had been sent a letter in XXXX and that I must wait for it to arrive. I noted that a letter that had been mailed in XXXX that had not arrived by XX/XX/XXXX was probably lost, but they refused to give me any additional information. 

On XX/XX/2018, I received a letter dated XX/XX/2018 that stated, in part, " Our records show that we received more than one application from you within a 30-day timeframe. Unfortunately, we do not process any additional applications received within 30 days of a previous application. At the time of your previous application, we sent you a letter notifying you of our decision. '' Having not received any response to my XXXX application, despite numerous attempts to contact them, I believe that Comenity Bank is in violation of the Fair Credit Reporting Act, which requires the lender to notify an applicant of a credit decision within 30 days of application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have been using credit karma since XXXX I have been following everything that they have been telling me in order to try to better my credit all they have done is give me false information and false hope, I am a single mother of XXXX in XXXX  full-time I've been in XXXX  since XXXX I have been trying to buy a house for me and my kids since then I have tried to pay off debt their credit karma is that I owed and that once I paid it off my credit score would go up enough tell her I can buy a house they have told me that I could get credit offers and loan offers that I was pre-qualified for I was then denied after applying and then it ruined my credit with the hard inquiries this company lies they dont have correct information every time I try to do anything based off of their information it is all incorrect according to companies I have tried to get loans through whether it be school loans home loan or any type of credit consolidating, I have paid off a lot of debt over the past years and I am still not getting anywhere because I trusted them and the information they were providing to me now I am still stuck without being able to buy a home and with more debt than I started with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
IN THE PAST 3 MONTHS MY FICO CHANGES WITH NO REASON .... I HAVE A SEVERE DISPUTE WITH BANK OF AMERICA, WHO MANAGED 2 CREDIT CARDS, MAKING ENDLES ERRORS ... NO BODY ANSWERS LETTERS, NO BODY CORRECT ERRORS..THE FACT IS THAT THEY OWE ME MONEY ... AFTER I FILED A COMPLAINT MY SCORE WAS CORRECTED, BUT NOW IS DOWN AGAIN. HAVE WRITEN LETTERS TO ALL CREDIT COMPANIES, NO BODY RESPONDS???? XXXX  IS THE WORSE, I HAVE SEND AT LEAST 5 REQUESTS, DEMANDING THE REASONS, NO RESPONCE???? ON XX/XX/XXXX I FILLED A COMPLAINT AGAINST BANK OF AMMERICA XXXX XXXX ... .NO RESPONCE UP TO DATE???? I HAVE EVIDENCE THAT BANK OF AMERICA IS HAS DEFRAUDED ME, AND CAUSED THE CHANGE OF MY 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 monetary relief
Consumer complaint received 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 been currently disputing accounts on all three of my credit reports since. XXXX ... XXXX and TransUnion since XXXX of 2019. I have discovered that XXXX and Transunion continue to inaccurately report my student loans. XXXX has deleted them, Transunion is reporting them in good standing, and XXXX is reporting them as having 11 missed payments!!! I have been successful with them deleting my student loan accounts from XXXX but not Transunion or XXXX. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I still owe money on these accounts. S and Im behind on payments, my next step is litigation. I have consulted with a credit lawyer who has advised me to submit a complaint via CFPB first and if the issue isn't resolved for them to delete those student loan accounts off my credit reports after this we will move forward with litigation with TransUnion and XXXX  for violating the laws of the FCRA sections 611 and 623.

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 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
In XX/XX/2018, XXXX charged off my car from being less than 30 days late. As per the Servicemembers Civil Relief Act ( SCRA ). I have attached my orders from my XXXX aboard XXXX XXXX XXXX. I sent them an email, as my ship internet connectivity did not work well once we were far out at sea. We could send an email, but doing much else was not feasible. I spoke with customer service and was sent the attached ledger, which does not make sense to me. I keep getting from the company to call them when I file a complaint with the credit bureau for over a year now. What has been placed on my credit reports are not correct and it should have not been placed for collection. Code 50, U.S.C 3952states that a vehicle can not be repossessed during a XXXX XXXXXXXX XXXX time. I was on XXXX. It was not repossessed but they charged it off without being 30 days late. Also, when I called and spoke with the representative, he stated that they did not want the vehicle back but would instead require me to pay in full the amount that they say I owe. This is my last attempt before hiring an attorney to sue. The last uploaded file is the excerpt from the SCRA.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 2019-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/19 I was approached by my property manager while coming home from work stating that a XXXX gentle told them that I made arrangements with their company to leave court papers with them, it was a court papers saying the debt collector was suing me for {$2500.00}. I never made any arrangements and was never notified of any court dates or papers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: MoneyLion Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attempted to verify information that MoneyLion is inaccurately reporting to the credit bureaus multiple times. I have provided my bank statements showing payments made, but they continue to report the payment as late to the credit bureaus. I have disputed the items with each credit bureau as well. The most recent disputes were made on XX/XX/22 and all came back verified. I submitted the information obtained from MoneyLion showing the account paid on time, but the results were listed as " verified ''. 

This company has continually misreported information to the credit bureaus, causing a negative impact on my credit scores. Accounts are being reported as secured loans when they are not, payment historys, balance histories, monthly payment amounts, etc are all either left blank on my credit reports, or inaccurate. 

I would like these accounts removed from my credit file. Each MoneyLion account contains inaccurate and incomplete information that is repeatedly verified as accurate each time I submit evidence to the contrary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt paid to hospital, Medi Credit Violation Hippa Laws, used Dr Name from another service and could not validate debt, my EXPLANATION OF BENEFITS DID NOT SHOW owed Dr name used. I contacted hospitals to verify debt, paid debt. MEDI CREDIT THEN proceeded to put paid debt on my credit because I didn't pay them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-09-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a security freeze on my social security number with all three of the major credit bureau companies, as a result of a fraud in XXXX. With the data breach at Equifax between XXXX and XXXX of XXXX, I am unable to find out from Equifax if my stolen data provides someone with enough information to lift the freeze. Equifax 's incident response line is unable to answer my question. That is an unacceptable response. They allowed my data to be stolen. They should be able to tell me whether or not I am at risk of additional fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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've been calling companies for a few months now they're either nasty or just outright hang up the phone and tonight is the last straw because I got the phone hung up again in my face. I am a victim of XXXX  XXXX and I really do think that my estranged husband or someone he's associated with is accessing my credit file without my consent.. I have inquiries that I did not make on my credit file trying to get loans and also a lot of addresses that I do not live at.. they also breached my information... I've also told them about my XXXX  XXXX situation and they just don't care.. I work so hard to repair my credit and remove these items and they're right back

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 2022-09-07
Company: Experian Information Solutions Inc.
State: LA
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-09-12
Company: Admin Recovery, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Address for service of lawsuits To : Admin Recovery , LLC. Re : Your XX/XX/ correspondence in violation of my cease & desist notice as to XXXX XXXX XXXX XXXX XXXX I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX  XXXX, CA XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX CA 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 2019-09-07
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Gurstel Chargo is garnishing my {$11.00} an hour wages for a time barred business debt ( taken out with a tax is # ) in which I have payment records and income tax returns to prove it was a business debt. When I took out the credit card I asked XXXX XXXX why they did not need my social security number and they said they use the tax ID # instead for business accounts. I called the original creditor XXXX XXXX last night, and they said the debt is not showing up in their records and to fax them a copy of a statement so they can research my account. I received a notice of garnishment on XX/XX/2019 and I sent the response to the court on XX/XX/2019. My employer did not notify me that I was being garnished. I have {$540.00} left to pay bills and eat and gas the car for 2 weeks.

Company response to consumer: Closed with explanation