BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Four and a half years ago in the summer of 2017 I applied for a master 's in finance program at XXXX XXXX  XXXX & XXXX. I was told I couldn't start the program because I hadn't finished some prerequisites. A week before school started I was informed that I was actually going to be allowed into the program. I signed up for classes and signed up for financial aid where I was then informed I could not receive financial aid because I had not finished those prereqs and I wasn't fully accepted into the program. I then dropped out of the program that week because I had no way to pay for it. They charged me a 20 % fee even though I never attended a class and I dropped the classes one week after being admitted into the program and immediately after finding out I wouldn't receive financial aid, thereby I would have no way to pay for school. 

Eventually this ended up on my credit report where I was then able to dispute it and it was removed due to these circumstances. They have since sold that debt to another company and again 3 years later it shows up on my report. I've tried disputing it again saying what happened and saying it's already been removed, but I can not get it removed again for some reason. This is unfair being on my credit which otherwise is very good. And is very disheartening because I've tried very hard to keep my credit strong. Please help me remove this from my credit reports. Thank 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 2019-12-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citibank Credit Card offered a loan transfer for high interest credit cards. 

I accepted it. I no longer use the card except to repay the loan transfer. 

Citibank charges me more than 50 % interest on payments. For example : the bill this month was {$170.00}. {$100.00} was for interest. {$68.00} went towards payment of the debt. The principal is NOT decreasing. 

I called to ask for lower interest. But received nothing. 

Citibank is charging me a usury rate of interest. I may refuse to pay them anymore until they lower the interest.

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 2021-12-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
My XXXX car payment was due XX/XX/XXXX. A valid 30 day late would have been XX/XX/XXXX. I legally signed car over to XXXX XXXX XXXX in XXXX XXXX dealership on XX/XX/XXXX. I traded car in for a truck. They informed me they would send payoff asap. I nicely explained to XXXX what occurred and apologized the dealership did not payoff car until XX/XX/XXXX. Then they sent the wrong payoff amount and left a low balance remaining which resulted in a 60 day late. I sent XXXX proof that I was no longer legally liable for vehicle on XX/XX/XXXX prior to it being 30 days past due and kindly asked if they would remove the erroneous 30 and 60 day late. XXXX credit dispute said they would not remove it as I was legally liable for vehicle until payoff was received.

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 2019-12-23
Company: LEXISNEXIS
State: MO
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:
Whereas Lexis Nexis has not properly investigated, or reported information properly and according to the Fair Credit Reporting Act. 
Correspondence and Dispute sent XX/XX/XXXX regarding A Bankruptcy reporting with source as Hawaii Federal Bankruptcy Court XXXX on XX/XX/XXXX. I challenged the accuracy, compliance and reportability of this listing and requested verification providing me with copies of any documentation bearing my signature. In the absence of such documentation I formally requested the item be deleted from the credit file. Nexis Lexis Responded with a form letter simply stating Verified from the Hawaii Federal Bankruptcy Court XXXX. 
2nd Correspondence and Dispute sent XX/XX/XXXX requesting Lexis Nexis provide me a description of the procedure use to determine the accuracy and completeness of this information verified including the name, address, and telephone number of each person contacted regarding this listing. Again, I requested documentation bearing my signature and that any further automated response from lexis nexis or e-oscar verification was unacceptable. Nexis Lexis responded with the same form letter as the last one simply stating verified without any of the information I requested and am entitled. 
I contacted this court in Hawaii and they provided me a letter stating they do not provide any information to credit bureaus. I have sent this letter to Lexis Nexis and that mere fact proves they are inaccurately reporting information on my credit report as they continue to report their source of verification as the Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Im unable to lift my security freeze with myequifax website and Im getting a error message on there end and I unable to get my credit score to.. I would need have this fix ASAP. I want the freeze to be lifted thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: National Account Systems of Omaha, LLC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company national account sys. Is saying I owe a Dabt of {$230.00} this is not my debt and I have not been notified by mail showing proof this is my debt .this debt mark is stopping me getting a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: SYNCHRONY FINANCIAL
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: Public record information inaccurate

Complaint:
synchrony bank keep adding credit card account an d changing the account number and state a I have a card that I went over the limit the accounts has had the account numbers change to make it hard to track it I want to know when the purchases was make who picked the and or sign for the pucrases and what date it was purchased ship to whom the date the account was open with the correct account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very disappointed with the companies Equifax and XXXX. I reported Identity theft on the accounts that are reporting, per Section 605B in the FCRA I submitted supporting documentation such as a driver license, social, and the FTC report with the report number, XXXX removed the information within 24 hours from showing on my report, and Equifax and XXXX refuse to remove the information, and submitted it as a regular dispute, when I stated that it is a identity theft issue, and pursuant to section 605B they must remove this information within 4 business days upon receiving the identitification, and the FTC report. They refuse to follow that rule, they stated they do not follow federal law and regulations, and the follow their own companies regulations, in which regular disputes take 30 days. Its been well over 30 days, they removed the information from reporting, and then it appeared again on my report. Please handle this in a manner that EQUIFAX AND XXXX  understand that they MUST follow FEDERAL regulations and not their own. Because it was very hard for me to make them understand that above their companys regulations, they must follow FEDERAL laws first. Please help me in reporting equifax and XXXX  to relook through their companies regulations, and follow federal regulations so people like me who suffer from identity theft, do not have to worry about incorrect information reporting on their credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: ENCORE CAPITAL GROUP INC.
State: IL
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 am submitting a complaint regarding XXXX that has repeatedly violated my consumer rights as a consumer. Despite my many attempts to rectify the situation, this agency has continued to include items on my consumer report without obtaining my consent, which has led to the defamation of my character. Furthermore, this agency has failed to provide me with any verifiable contract or evidence to support the inclusion of these items on my consumer report, as outlined in 16 USC 6802, 6803, 6804, and 6805. In addition to this, this agency has engaged in inaccurate reporting, which violates USC 1681d and USC 1681n. They have also violated 16 CFR 313 by showing charges off on my consumer report, which is technically ordinary income by the IRS. This a clear violation of my right as a consumer. Furthermore, this agency has shown a certificate of indebtedness on my report, which violates the Privacy Act of 1974. They have also violated my rights by showing transaction history on my report without obtaining my consent. As a result, I am now being forced to take legal action against this agency for violating my consumer rights as a consumer. I am deeply concerned about the impact that this agency 's actions have had on my reputation and financial standing. I urge you to investigate this matter thoroughly and take appropriate action to ensure that this agency is held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I'm a casualty of data fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, help

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2023-07-21
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a PayPal account with my debit card attached.. Five unauthorized payments of XXXXXXXX XXXX ( XXXX XXXX ) were sent to a XXXX XXXX with a messageYou deserve it, brothe on XX/XX/2023. I dont know this person .. it says he has a XXXX  account and is in California. I never sent any money or authorized any money to go to this person. I filed a case with PayPal tonight and received notification that the charges were authorized and my case was closed .. this is absurd I dont know this person and never authorized payments or sent money to this person. In addition an unknown card was added to my account ending in XXXX I will never use PayPal again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  submitted a debt to collections that was not mine, the name on my credit report is Sunrise Credit Services collecting for XXXX. the amount is XXXX in another state. Where I have never lived. The date it was opened falsely was XX/XX/2023. 

address of the creditor, Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone Number : 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 2021-12-16
Company: EQUIFAX, INC.
State: WA
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:
To Whom It May Concern : Equifax is unlawfully breaking FCRA by not removing a collection off my account that I have disputed with them many times and I have asked for them to provide me evidence from this collection agency. The account is XXXX XXXX XXXX XXXX  # XXXX Equifax has failed to provide me evidence and in return come with verified without showing me evidence or telling me how they verified it. XXXX has removed this collection off my credit report. Please remove this collection off my credit report that I do not own or else I will have to file a lawsuit. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: CAVALRY INVESTMENTS, LLC
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:
This account does not belong to me its has been open fraudulently under a social security number thats is not mine from Cavalry Portfolio services with account that begins or ends with XXXX thats is being reported to XXXX  in which I have reached out to XXXX  and cavalry portfolio services and neither one of these companies have corrected the this fraudulent account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Back around XXXX and XX/XX/2019 I sent and reported to the credit bureaus that there were some fraudulent accounts actively reporting on my credit report and nothing was done. I complied with there requirements by providing supporting documentations including my id and ss and police report and to this day the fraudulent accounts with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX are still reporting on my credit report and misrepresenting my true credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 6 year in XXXX XXXX california XXXX  in XXXX. now i worked ok the first couple of years in the field i started out working for XXXX XXXX then i moved to a place in XXXX XXXX california XXXX  a place called XXXX XXXX  XXXX XXXX where i got robbed like XXXX XXXX  an XXXX  and locked out from mostly all my XXXX  i hear theres a couple of XXXX  pages that im not familiar with and 5 celphones  on my names that i also did not take out also a couple bank acounts i never created and benifits in california i never applied for i been harrast by a guy who use to work in the field with me and my brother who i think is the one who stoled my papers also some cops from XXXX  XXXX then we got pulled over by XXXX  and also took my replaced documents because he wanted money ive been tooken to jail 3 times the second my name was slighly change i asked why did you changed my name and she said it wont affect me ive tried to reach out to the authority but they say that i have to bring a credit inquiry i got it its like someone deletes information from it i have a person helping me from XXXX  holding information for me in case because i also think im getting hacked on XXXX  i applied for us passport and never recived it.when i called the place they said that my documents will be resent

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 2023-07-21
Company: MIDFIRST BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an account with XXXX. It was acquired by MidFirst in XX/XX/2022. The account had some $ XXXX and I did not transfer the account. They issued me a check to the address on the file. 

Meanwhile, I had moved. I had USPS forwarding but the bank had sent the check through XXXX. By the time I enquired with the tenent and got the check, it was beyond XXXX  days and the check had expired. 

I got in touch with the bank in XXXX. Here is where the ordeal starts. I have made XXXX calls. The agents all hear my story, I give them new details, agents put me on hold to talk to their supervisor, and come back with the same message - " we will mail you a new check to your new address next week '' or " XXXX of the supervisors will call you ''. No check. No calls back. 

It's not working. I don't know what else to do. Please help.

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 2022-01-17
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was State Farm Bank Credit Card Clients From XXXX Until XXXX when US Bank Merge or Purchase the State Farm Bank. On XX/XX/XXXX, I received a letter that US Bank is Closing both My Credit Card Account In accordance with the terms of their cardmember agreement which is surprising Knowing that US Bank had a history with me on closing in the past XXXX years My Bank Account with US Bank Base ON Bias and Not Athetical and Violate the Consumer Financial Protection Bureau rules and regulations and I would like to investigate the bank From the past originally closing my first account until today closing my others accounts.

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