BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX,, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : XXXX 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 non-monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I added a bill on Experian boost and my XXXXredit score boosted by XXXX points. I gave the company a great review and I was very happy because I worked really hard on my credit score. Last month, I payed off my credit card in full. The moment my credit usage went down to XXXX  on my Experian report that I look at every day, my credit score dropped by XXXX points. The same points my credit score raised to when I used Experian boost. I was deeply upset because I worked so hard on my credit score the last 4 years. My credit should of boosted by XXXX points. Not drop by XXXX points once I payed off my credit card balance. I tried contacting the company by email and just received an automated response. I also contacted this company by XXXX and XXXX, still no response. I am scared my credit score will drop even more. This is not fair!

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 2023-01-31
Company: CIG FINANCIAL LLC
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:
Per the IRS, charge offs and other cancelled debt is considered taxable. The creditor is REQUIRED to report all charge offs, canceled, or forgiven debt via a XXXX. I have never received this form from the company, and I would like to, in good faith, give them a chance to send the XXXX to IRS before doing so myself. 

Furthermore, this complaint is to inform XXXX and XXXX that Charge offs are considered INCOME, taxable income, that must be reported ; and income should never be disclosed on the consumer credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN
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:
Hi, I received an invite for applying a personal loan from Citizens bank. The letter said that it is a pre-approved offer and I can use the invite code to check my interest rates. It also mentioned that there will be no inquiries on my credit report. So, to check my interest rate I proceeded with the loan application using the invite code. This happened on XX/XX/2018. Now, when I checked the credit report, I found a hard inquiry by Citizen 's bank. Please let me know how to fix it. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX reporting late fees when their phone and website refuse to allow me to pay! I had set up auto drafts and they never set it up appropriately! 

Should be removed XXXX XXXX XXXXXXXX appears to be a false flood of old information 4 yrs ago no one has ever heard of them! My old doc in XXXXXXXX never worked with them XXXX XXXX XXXX XXXX XXXX No record all paid up doc number directly XXXX XXXX XXXX XXXX called me to say he dont use them and I dont owe! Yet Ive disputed this and called collection of XXXX Numerous times XXXX. Look up their phone This lawyer said he would help and send a letter but he is just as much as any of no good XXXX XXXX XXXX Please get the two charges off my credit file ASAP {$250.00} and other fee account shown separately never owed insurance paid out 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 2023-02-04
Company: Experian Information Solutions Inc.
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:
Wrong balance reported on my XXXX XXXX credit report I AM NOT over my limit and I would appreciate it not being reported that way. I attached the proof below. Please stop reporting my XXXX balance in 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 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I use Bank Of America for my banking, I use there mobile App to pay my credit card bill, around 1 month ago I made a payment and made a mistake, I accidentally paid XXXX on the bill and only owed XXXX to pay off the credit card, I contacted the bank to get the difference put back into my checking account and they told me if they transfered the money back it would be considered a cash advance and it would cost me XXXX or more in fees, I was told in 7-10 business days the money would be deposited into my account, when that didn't happen I called again and they said they sent out a check for the money, I haven't received it either, the credit that once showed on my credit card is gone and I have a regular balance on it like the money never existed, and disappeared into thin air, I have called them over and over and its like the money in the account never existed, I can't get any help in the 5-6 phone calls I have made and I don't trust them, I have been told everything from 2 billing cycles to it will be in the form.of a check, and now it's almost a month later and around XXXX of my money is nowhere to be found

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 2023-08-16
Company: EQUIFAX, 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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX XXXX XXXX XXXX in connection with the emergency room fee they assigned for bringing my daughter in. They charged {$1500.00}, for 5 minutes of a consultation with a doctor, who said my daughter 's fever was not an emergency. 

I called and asked for an itemized invoice, trying to understand how 5 minutes with a doctor who essentially told me not to worry, that my daughter was fine, could cost {$1500.00}. The response I received was that that was the flat rate the hospital charges my insurance company. There was no other reason for that amount. 

To charge {$1500.00} for 5 minutes of a doctor 's reassurance is unconscionable. The hospital is unwilling to reduce it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This issue began with a charge in the amount of XXXX for basketball tickets in XXXX. 
Due to Covid the event was canceled. 

The company finally agreed to refund the charges and to date I have not been provided a credit from American Express. 
I have reached out to American Express directly by phone on several occasions and provided a reference number I received from XXXX XXXX. I have also submitted a request to the XXXX XXXX XXXX for help and no resolution. 

I requested a manger to contact me to review transaction history and I in return I get someone who is contacting me from an overseas number in which my phone will not accept. I explained this to one of the representatives. 

I asked for a breakdown of the balance detail to confirm the credit was received based on my review of activity and I continue to receive a statement which reflects the same information online. 

Based on my review I still have not been granted the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still on my credit.

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 2023-01-31
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have submitted my Public Service Loan Forgiveness form for the period of XX/XX/XXXX through XX/XX/XXXX three times. 

The first time, MOHELA counted XX/XX/XXXX through XX/XX/XXXX, five months, and ignored XX/XX/XXXX through XXXX XXXX  17 months. 

The second and third times I submitted this form, they marked it as duplicate. 

I have been provided no explanation as to why they are not counting 17 months of payments. I have all my tax records from those years demonstrating I paid my student loans. They send no official communication. There is no appeals process I can locate. They do not accept emails. I have waited on the phone 9+ hours and never got through. 
This has been going on for eight months!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: MD
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:
XX/XX/XXXX I made arrangements with XXXX Attorney to settle two accounts I had with them. 
XX/XX/XXXX, Both accounts were settled in full. Account # XXXX was settled for {$1200.00} and Account # XXXX was settled for {$900.00}. 
In return, XXXX agreed to my reports being updated to settled in full with a {$0.00} balance. I have called and emailed them numerous times but with no luck. 
I reached out to Equifax and put an investigation in with sending proof of accounts being paid but to this day, on XX/XX/XXXX Equifax is reporting that I owe over {$4000.00} on this account with 30, 60,90-day late  payment. I sent Equifax the proof that these accounts were settled and they were to investigate but they are still reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 is still reporting on my credit report after multiple disputes. the credit card company hasnt sent me any information to verify that this account is mine although i know that it is not. They have not responded to my disputes and have been negligent when it comes to resolving this matter

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 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted XXXX XXXX  and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/ at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX XXXX. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/ this had gone on far too long and my credit was ruined and my house is in foreclosure.

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 requested and received copies of my credit report from Transunion, XXXX  and XXXX. I identified multiple violations on all 3 credit reports. All three CRA 's mentioned above report that my DPT ED/XXXX accounts are 90 days late when there is not a prior 30 or 60 days late. On XX/XX/2020 I mailed all 3 CRA 's letters explaining the violations, and requested removal of all the DPT ED/XXXX accounts that showed 90 days late without being late 30 or 60 days prior. After 45 business days I again contacted all 3 CRA 's mentioned above, and demanded removal of all DPT ED/XXXX accounts that report 90 days late when there are no 30 or 60 days late prior, because Transunion, XXXX  and XXXX  did not respond to my disputes in a lawful time frame. I have attached copies of the actual disputes that I sent to Transunion, XXXX  and XXXX. Attachments include account names, account numbers and violations.

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 2020-11-03
Company: EQUIFAX, INC.
State: FL
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:
Equifax : XX/XX/2020 A hard inquiry was made by XX/XX/XXXX for your credit file. 
XX/XX/2020 A hard inquiry was made by XX/XX/XXXX XXXX  for your credit file. 
XX/XX/2020 ( qty=3 ) 3 soft inquiry was made by XXXX XXXX  XXXX XXXX for your credit file. 

My credit was locked, I don't know what happened with equifax. 


XXXX XXXX XXXX XXXX : Some One change my Mailing Address : Correct Mailing and Residential address : XXXX XXXX XXXX XXXX, XXXX fl XXXX. 

fraud Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I suspect someone at this address ( XXXX ... GA ) is involved in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account umber XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian credit has 2 mortgages reporting XXXX AND XXXX XXXX sold to XXXX XXXX, XXXX was settled in XX/XX/2020 Please have Experian updated as they refuse

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 2023-01-12
Company: CBC Companies, Inc.
State: GA
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:
XXXX Factual Data - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXX XXXX  XXXX - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 


XXXX Factual Data - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation