BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2018-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
This Bank of America mortgage account # XXXX has been paid and transferred to another lender. XXXX  CRA is still showing the account as " Open ''.

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 2021-04-29
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
UNITED REVENUE CORP is claiming that I owe them {$840.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Tower Loan of Mississippi, Inc.
State: MS
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:
Tower Loan has pull my credit report without my permission, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and many time before those dates. I dispute it back in XX/XX/XXXX but was unsuccessful. Now it look like they are going to start pulling my credit report on a monthly basic like they did many time before. The last time I apply for credit was on XX/XX/XXXX and it was with XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I leased a vehicle for 3 years. I paid every month by the due date. My report shows that I was 30 days late on XXXX 2012. I paid {$370.00} every month for 36 months. I did not miss a payment. I would like to dispute that I was 30 days late on XXXX 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: First Data Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is TRS RECOVERY SERVICES XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, TRS RECOVERY SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) TRS RECOVERY SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation TRS RECOVERY SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where TRS RECOVERY SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. TRS RECOVERY SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2021-04-10
Company: EQUIFAX, INC.
State: LA
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
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: Their investigation did not fix an error on your report

Complaint:
On multiple occasions I noticed transunion and XXXX XXXX online retailer their reporting of a XXXX balance is incorrect and should be deleted from my credit report. I opened an account in XX/XX/2010. Had it for 1 year paid for items received. I ordered holiday items a couple of years later. The items were poor quality. I returned the items via USPS. I called because the credit to my XXXX XXXX account was less than what I returned. company representatives advised all the items were not in the box. I advised them they should check their warehouse, post office but I returned all. The fact they had some of the returns should warrant an internal investigation. No one looked into the matter. I sent letters to the company and the credit bureau. All responded the debt was verified disregarding I returned the items but the company stated it was a partial return. Transunion in more than one case sides with the corporation disregarding proof of error.

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 2019-08-17
Company: WorldRemit Corp.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019a charge was attempted on my debit card for $XXXX from 'WORLDREMIT', a money transfer company. The charge was attempted at approximately XXXX CST. After calling my bank, it was found that WorldRemit had the billing address wrong for the card, so the charge did not go through. Because this was an unauthorized transaction, my debit card was cancelled. On XX/XX/2019a charge was attempted on my mother's debit card for approximately $XXXX from 'WORLDREMIT'. The charge was attempted at approximately XXXX CST. The charge on her account went through, and the money was withdrawn. As of this moment, a hold has been put on her account and she is reporting the fraudulent charged to the bank. Both my mother and I use the same bank, the XXXX XXXX XXXX XXXX XXXX, neither of us have ever used the money transfer service WorldRemit before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: CAINE & WEINER COMPANY, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
COLLECTOR KEPT CALLING MY CELL AND IS COLLECTIONS ON ILLEGAL DET

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Charging exorbitant credit card fees $ XXXX/year ( 20 % of the credit line ) but not giving sufficient credit limit to be able to use the credit card without being throttled. Given that I have maintained all accounts in good standing with no missed payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: CITIBANK, N.A.
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:
XXXX XXXX. Best Buy acct. Thought to be a soft inquiry. Turn out to be a Hard inquiry. Already had the existence acct for a increase. The individual did not make it clear. To eliminate the hard inquiry, they can reduce my increase. Just want that hard inquiry off my credit 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
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been disputing some incorrect information in my credit reports since XX/XX/XXXX. On XX/XX/XXXX I sent dispute letters to the credit bureaus regarding the inaccurate information listed by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX. After not hearing back from the credit bureaus and not receiving any responses, I sent another sent of dispute letters via mail to experian, XXXX, and XXXX on XX/XX/XXXX. No response again. So on XX/XX/XXXX I sent another set of dispute letters to the 3 credit bureaus on XX/XX/XXXX. I don't understand why I am being ignored! I have sent 3 dispute letters to the 3 credit bureaus each and not one response! I am requesting the removal of the disputed accounts due to the credit bureaus not responding and failing to comply with the law. It's been more than 4 months and NOTHING! This is ILLIGAL! Please investigate this case and have experian, XXXX, and XXXX remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from my credit 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 non-monetary relief
Consumer complaint received 2021-04-29
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:
I pulled my credit report and noticed I have 2 unauthorized inquiries from the following companies and demand that they be removed from my credit reports. Not only is it inaccurate because they are reporting separate dates, but per the FCRA, any inaccurate reporting information must be removed so I'm demanding the removal. 

Equifax : -XXXX  - XXXX XXXX ( inquiry from XX/XX/2020 ) XXXX  XXXX ( inquiry from XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Integrated Asset Recovery LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I can receiving colection calls all the time daily, when I do answer the calls they ask for a person how I do not know, and they do hung up on me before they give me the opportunityto request for their company to stop calling my number I am never been in collection my credit is really good however calls keep coming from this company

Company response to consumer: Untimely response
Consumer complaint received 2018-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On multiple occasions I noticed XXXX and XXXX XXXX online retailer their reporting of a XXXX balance is incorrect and should be deleted from my credit report. I opened an account in XX/XX/2010. Had it for 1 year paid for items received. I ordered holiday items a couple of years later. The items were poor quality. I returned the items via USPS. I called because the credit to my XXXX XXXX account was less than what I returned. company representatives advised all the items were not in the box. I advised them they should check their warehouse, post office but I returned all. The fact they had some of the returns should warrant an internal investigation. No one looked into the matter. I sent letters to the company and the credit bureau. All responded the debt was verified disregarding I returned the items but the company stated it was a partial return. XXXX in more than one case sides with the corporation disregarding proof of error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: NV
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 seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months from my written request and I have not received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Last year I keep received the messages that I open an XXXX XXXX card and spend some money with it. But I never know about this card. Later, I call the XXXX XXXX Customer Service and talk with the supervisor about this situation.The fact that the supervisor/manager already said that I am not responsible for the bill as it was a fraud and I never opened a XXXX XXXX credit card two month ago, and the XXXX XXXX report doesn't even list that credit card nor bill, so why are they asking you to pay. 


But now they still send me this bill makes me really annoying!!! 

And I think XXXX XXXX company stole my information to make profits like that. This behavior is really evil and torture me with this kind of bill for all most one and half year. 

Please help me with this kind of Situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
This is NOT a duplicate complaint. 

Scheduled the minimum payment on the credit card, even after Bank of America reneged and did not honor the Hurricane Irma waiver as promised in XX/XX/2018. The Bank of America website would not allow me to re-attempt to pay the minimum payment all week. Why would Bank of America treat a valued customer this way? Fraudulent motives by Bank of America to extract more fees and interest? Clearly this is Bank of America 's objective. Retaliation against Bank of America customers who complain about very poor customer service.

Consequently, I have been unable to pay the {$430.00} that Bank of America reneged on waiving as promised. This appears to be bias irregularities with regards to my account. Are all disadvantaged minorities treated this way by Bank of America?

This is NOT a duplicate complaint. 

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 2021-06-22
Company: Experian Information Solutions Inc.
State: PA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021 @ approximately XXXX XXXX I phoned into Experian using XXXX XXXX XXXX XXXX in hopes of reaching a live agent to assist my husband in deactivating and account that was fraudulently opened in his name. When he attempted to call from his own cellular device, he was not given the option to speak with a representative. Being as though I did have an account it allowed me to speak with a representative. The representative was a female and was explained the reason for the call. When she asked to verify my information I never gave it to her and explained that the individual that needed to speak with her was sitting right next to me. She then spoke with him and gathered his personal information. She advised him that she had deactivated the account he did not subscribe. I now check my email and this lady must have deactivated the wrong account and somehow reactivated it. I am actively in credit repair and have someone working on my credit. She deactivated my experian boost as well bc it's no longer there.

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 2018-04-03
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card with XXXX, a retail store that is on military bases. in XX/XX/2008 it went into default for XXXX.. never received anything from them until TRANSWORLD SYSTEMS INC started garnishing my wages at 25 percent and is garnishing a total of about XXXX. Never got a communication or sopona to appear in court, never received any letter from either XXXX or TRANSWORLD SYSTEMS INC. 

Also the garnishment is showing as a Student loan, I do not have any student loans. 
Apparently Transworld systems is also part of the same group of which XXXX   XXXX is a part of. About 3 years ago i was going through the exact same thing with XXXX XXXX and eventually they returned the Money they were Garnishing and stopped Garnishing me after an inquiry from CPFB. 
I never learned what happened because CPFB doesn't disclose the results of their inquiry. 




Student with one loan- Federal XXXX TRANSWORLD SYSTEMS INC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, 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:
I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission. 
I have listed the dates and the information in the section I was told. Please delete this information.

Company response to consumer: Closed with explanation