BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
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 status incorrect

Complaint:
I have sent multiple letters to TransUnion disputing the inaccurate reporting of the following account : XXXX Account # XXXX They are reporting this as an " Auto Loan '' and the contract from XXXX XXXX states it was a Motor Vehicle Retail Installment Sales Contract ( See attached document ). 
Transunion 's last response on XX/XX/2021 verified all information being reported was accurate and correct XXXX XXXX attached document XXXX XXXX reporting is a FCRA violation. 

Also they are reporting a recent missed payment from this account and that is also inaccurate and dropped my credit rating XXXX points! I am in a financial bind because of the pandemic and my bank declined me a credit line increase due to recent payment history from TransUnion XXXX XXXX attached document ). This inaccurate reporting has been causing me tremendous stress! XXXX not reporting a recent missed payment like TransUnion. XXXX XXXX attached documents ) I have 100 % on time payments! TransUnion has failed to complete a proper investigation.

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 2022-06-13
Company: Glacier Bancorp Inc.
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
GLACIER : Pending DEBIT transaction has been initated on your debit card at XXXX, to deny www.drkarenho.com/glacier/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been using cash apps direct deposit option through XXXX XXXX. Ive received many deposits from work and my unemployment benefits, even the stimulus was deposited there for me. However on XX/XX/2020 my cash card all of a sudden stopped working declining every transaction I wanted to make. When I tried to activate my card it kept saying I was not able to then my card disappeared. I then had the option to start a new card but it kept saying it can not activate a new card for me at this time. Ive tried several times and several attempts to speak to cash app but the response is lagging. I am supposed to have received my unemployment benefits by now but cant because they wont let me activate a card. I need help, and have bills to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: EQUIFAX, 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 have disputed 2 XXXX XXXX XXXX  accounts with XXXX XXXX XXXX  and credit bureaus and received the attached response from XXXX XXXX  XXXX confirming that both accounts will be deleted from credit bureas. Although XXXX and XXXX  are no longer showing the disputed accounts, as of XX/XX/2020 Equifax is still reporting account XXXX ( see attached ). 
Please delete this false account asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: OH
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:
Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise 25 year perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.

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 2021-10-07
Company: Credit Bureau of Jamestown, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureau but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: AMERICAN EXPRESS COMPANY
State: CA
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 identity was compromised cc from different companies where used too obtain amex in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
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:
Good Afternoon, I am writing today with the concern that the credit bureaus are ignoring my letters.. I sent them letters on XX/XX/2022 and still have not heard back this is not right. I have been waiting almost two months now for a reply from them about these incorrect items on my report and they still have not got back to me. these items that they have reported on my report are inaccurate and unverifiable and i need those items investigated and removed because this is negatively affecting my life and it shouldn't have been there in the first place, please help me with this matter and thank you for your time.

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 2020-04-07
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: Old information reappears or never goes away

Complaint:
XXXX, Transunion, and XXXX show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$0.00}, Paid, closed, 32 late payments This account was closed and charged off years ago. 
It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.

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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Open Account Balances are reported from TRANS UNION as of today XX/XX/2020. 

TRANS UNION SHOWS THE FOLLOWING BALANCE AS OF XXXX. 

Trans Union Balance Actual/Correct Balance 1. XXXX Credit Card {$6000.00} {$4900.00} 2. XXXX XXXX {$3800.00} {$3800.00} 3. XXXX  XXXX -Visa {$460.00} {$360.00} 4. XXXX  XXXX -M/C {$5200.00} {$2800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ally Financial failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.

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 2020-09-06
Company: Experian Information Solutions Inc.
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 discovered an unpaid collection of {$1200.00} on my Experian credit report. I proceeded to call the collections company listed on the credit report, XXXX XXXX ( account # XXXX ) they were of no help. I called the original creditor XXXX XXXX XXXX and discovered they had my incorrect address, date of birth and phone number. They were billing me for services rendered during an XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX. Since they had the incorrect information form the hospital, they never billed insurance. When I called in XX/XX/XXXX, they proceeded to try and bill the insurance with the correct information that I gave them. At this time, they still refused to remove the account from collections. I have continued to contact XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX to get this matter removed from my credit report. I have disputed this situation with Experian ( 3 ) separate times. The last denial to remove this from my credit report dated XX/XX/XXXX came after I sent a letter attachment with the dispute from XXXX XXXX dated XX/XX/XXXX. In the letter they state that they have removed my account from collections and it should not be on reported any longer with any of the credit bureaus. Experian once again denied the dispute and has left this on my credit report. This situation has now gone on since XX/XX/XXXX and has affected my credit. In addition, XXXX XXXX XXXX sent me to collections with XXXX for {$7300.00}. I recieved this letter notice on XX/XX/XXXX. I have also sent a letter to this agency and XXXX XXXX XXXX XXXX requesting that the amount due should be removed. My insurance has covered cost for services rendered during this XX/XX/XXXX visit to their emergency room. This billing nightmare all started with XXXX XXXX XXXX XXXX sending a bill to me personally for {$17000.00} on XX/XX/XXXX. If XXXX XXXX had properly billed my insurance in the beginning, I believe this would not have become such a difficult process. It has been a time consuming and frustrating experience with all companies involved. XXXX has been the company to work with me to resolve this billing mess. Dealing with XXXX and XXXX are the last of the issues, I hope. I can not seem to get these accounts corrected working with any of these companies involved : Experian, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX frustrated that Experian will automatically assume that the side of the collections agency. This situation is a good example of mis information communicated and not resolved in an effective timely manner.

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 2021-01-28
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I received an email on XX/XX/XXXX stating, " XXXX, it's tax time - your XXXX tax information is now available! View your 1098-E Now! '' However, I have been unable to view or obtain my 1098-E from EdFinancial. The email directs you to a link to login to their website. I am banned from their website because I am in a Chapter XXXX bankruptcy - they revoke your online account. 

Contacted EdFinancial and was told that since my interest for XXXX was less than {$500.00}, they do not have to, and will not supply me with a 1098-E. That is true, they do not have to. However in years prior to my bankruptcy this form was provided to me and I had less than {$500.00} interest in those years. The only difference is that I am now in bankruptcy. 

The email says my form is available. EdFinancial needs to supply it to me. They are discriminating against me because of my bankruptcy status. 

I need the form, and I will take this matter as far as it takes to obtain it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter from Credit Collection Services stating that they were collecting a debt for XXXX XXXX XXXX ( aka XXXX the car insurance company ). On XX/XX/2020, I sent, via overnight courier, and within the thirty day period of receipt of their letter, a letter to CCS, stating that the debt was disputed, and that they were not to call me, as it was inconvenient to speak with me on a telephone. This letter was sent as per my rights under the FDCPA and was received at their XXXX, Ma. office on XX/XX/2020, at XXXX XXXX Eastern Standard Time, signed for by " XXXX '' at a location there labeled as " mail room ''. 

At XXXX XXXX  on XX/XX/2020, at XXXX XXXX  Eastern Standard Time, I received a call from CCS, from an autodialer ( which I did not give permission to call me with ) using my full legal name ( which is what is listed on my Georgia drivers license and is listed as the debtor on the CCS original letter ), using telephone number ( XXXX ) XXXX, stating it was on a recorded line, and that the representative was calling from CCS. I advised the caller that they had received a letter two hours prior, which stated not to call me, and that " I hope you enjoy being sued ''. ( Please note that I have conferred with legal counsel regarding this matter, but have not filed any type of legal action. ) CCS ' direct violation of the FDCPA ( 15 USC 1692 et seq ) is the basis of this complaint. Furthermore, their office has been the defendant in multiple lawsuits, alleging violations of the FDCPA, several of being the type of incident I have described. Finally, two hours is plenty of time, in my opinion, for their office to remove my phone number from their system and to not call me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: NJ
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:
The credit bureaus indicated that my account was properly investigated, but how is that possible if the open date is not accurate, the last active date is not accurate, and the last reported date is not accurate? This ground for removal also violated my rights under 15 U.S.C 1681 section 602 A. It states that I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I've filed a dispute regarding the results on my credit results it has been well over 50 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I AM WITHOUT A DOUBT THAT THIS SITUATION IS FRAUD RELATED BECAUSE I AM CERTAIN THAT THE ACCOUNT AND INQUIRY BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2021-04-30
Company: BARCLAYS BANK DELAWARE
State: MA
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've always had a credit score of over 800 because I always tried to be very careful with credit cards. a few weeks ago I was in the process of getting a home loan for a house I really wanted to purchase. My loan had gotten denied and I found out it was because my credit had dropped over 200 points. I had discovered my ruined credit was a result of an automatic online annual XXXX dollar charge on an old Barclays card I had. This is a card that I had for over a decade, I used this card in the past for hundreds of transactions and have always paid my balance on time every month. I had stopped using this card during the pandemic because of my financial situation and saving for the home purchase. I do not receive paper statements for this card. Some website apparently signed me up for an ongoing annual subscription and charged XXXX dollars to this card. I never received any communication about this small charge not being paid by me. I had finally received a letter from Barclays saying they closed my account, after the fact that is. I immediately paid for the charge when I found out about it, but my credit was completely ruined by that point. I had done everything within my power to communicate with Barclays to at least get my account reinstated as I've had a long and good credit history with them and I've always paid them on time. They did not reinstate my account and weren't willing to remove any negative reporting to the credit bureaus and I lost the home I was trying to purchase. All of this was over a XXXX dollar charge after being a great customer of Barclays since XX/XX/2004. They haven't communicated with me about what was happening and they chose to lose me as a good client and ruin my credit and not even try to fix anything. Total disregard to a person financial well being ... a long time client who made them a lot of money. I would love for you to publish this so people can be warned of how Barclays will completely disregard someone's life. Thank you 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 2020-07-06
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
I spoke with XXXX at The Office of the President at Synchrony Bank about some open account issues on my credit report. These open accounts show the following open accounts by Synchrony and or their creditor collection : acct number original Dollar Amount card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After having CFPB investigate the account of XXXX XXXX, their response was that they no longer had the account and sent it back to Synchrony Bank. Furthermore after speaking with XXXX at The Office of the President at Synchrony Bank, she insists that they do not have the account that they closed the account. She was well aware that I am on XXXX, which makes my income collection proof and judgement proof.My credit reports by all three credit bureaus continue to have this listed on my reports. It is false reporting and I would like it removed from my credit report as to not hinder my credit progress in the future. I feel like I am being given the " run-around '' by Synchrony Bank and it's collection practices. XXXX at The Office of the President at Synchrony Bank was not helpful in resolving the matter and did not give me information as to why this is still being reported as " open collections '' on my credit bureau reports.

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