BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I tried to check my credit score for free online, after that I found out I was billed XXXX $ from TransUnion and I wasn't even aware they charge for that.There was no ANY information whatsoever on the website and I didn't even know they are charging me and even that I am subscribed! You are automatically subscribed and charged without any knowledge once you put your credit card number to check free score! It is even hard to cancel at all or to reach them. I managed to cancel same day after hassle after I saw I was charged on my online banking however they already took my money. I am also worried about privacy of my important information since they just scammed me for my money! I don't know how can this go away here! In XXXX it is impossible! 
XX/XX/2018 XXXX $ TransUnion

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 2019-10-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing this due to non-compliance with the credit bureaus ( XXXX, Experian and XXXX ). They have failed to remove information that was affiliated with personal details, that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to upload the law.

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 2022-08-12
Company: EQUIFAX, INC.
State: NM
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:
By the provisions of the Fair Credit Reporting Act, I am sending this complaint to request that the following accounts XXXX XXXX XXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXX Balance : {$430.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 XXXX credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via XXXX to the address indicated on the XXXX  credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved 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 2021-09-20
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have opened a XXXX 's XXXX Store Credit card with XXXX sometime in 2014. However, Lately. I lost my job and fell behind my payment for about 2 months. 
As the result of it. The card issuer started charging for late and over the limit fee 's. I called the and explained my situations. The Customer Service ask me atleast to come-up with {$120.00} and the next month payment of {$120.00} they will removed the all the late and over the limit fee 's they have imposed on my account. I have complied with the former agreement. However, I found out the latter never kept their words. And kept on raking me with more charges. Thereby, The Outstanding due payment still keep on going high with all the penalties they never remove as agreed. Despite, My limited cash. I tried to make a payments. But, My balance never gone down. And it is beyond my reach to pay them as the penalties keep on increasing. I am asking the said Card company to give me the chance to pay them back without adding more Interest and penalties to my account. Or I will be in default with when I can't afford the higher payment anymore. They can close my account and I will stop using their Credit Card and make a fixed monthly payment that will help me pay them back. Without causing a burden financially on my family

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: DISCOVER BANK
State: AZ
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:
Account was charged off in XX/XX/XXXX. As of XX/XX/XXXX it is still being reported as a past due balance on my credit report, which is negatively impacting my ulitization score. This is unfair reporting because my credit score was  orginially impacted when the card was charged off in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: SYNCHRONY FINANCIAL
State: NH
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:
On XX/XX/2018 a hard inquiry was posted on my credit report for XXXX XXXX XXXX XXXX XXXX. This is not a request that I initiated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is second request for help the mortgage company Select Portfolio Servicing, all repairs to my home have been completed. The mortgage company has been holding the money in an escrow account. They refusing to pay the contractor the money from the escrow account. The contract is owed XXXX from they which is in the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2019-10-09
Company: Avant Credit Corporation
State: WA
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:
XX/XX/2018 XXXX/avant XXXX, IL XXXX ( XXXX ) XXXX No open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX, FL XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XX/XX/2018 XX/XX/2018 XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
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:
On XX/XX/2021 I received 3 letters that stated on each one that a previously disputed item that had been removed from my Equifax credit file was being re-instated and in each case on the same date the underlying company had submitted 'a certification that is complete and accurate. I very much doubt on the very same day, 3 different companies sent in certified documents stating the account was accurate and needed to be re-instated. It is more likely the case, Equifax has lied about receiving such documents and the software decided to re-instate previously deleted accounts that were deleted at the time for a particular valid and legitimate reason. This action seems arbitrary and against many of the statutes of the FCRA and possibly other federal laws that may even be unlawful. Millions of customers are affected by the breach, as I was one of them, and now a loan I was working on needed a score of about XXXX and therefore I was approved but the day of the signing it had fallen XXXX points in one day due to this misuse of power, and summarily denied due to no action on my part. Equifax needs to have a large fine levied against them for placing false information on purpose into a customer 's file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, This complaint is about Re-Aged XXXX XXXX/XXXX account. 
I signed up for an XXXX XXXX store card sometime in XX/XX/XXXX. I bought a house and move in XX/XX/XXXX.  At this time, I called XXXX XXXX and asked them to update my address. However, I think the representative forgot to update the system or for some reason, XXXX XXXX kept sending bills to my previous address so I never received them. I rarely used my XXXX XXXX card so didn't realize I was missing a bill from XXXX XXXX. Instead of contacting me by any other method such as a phone call or an email about this unpaid bill, XXXX XXXX decided to close my account and reported this on my credit report. Initially, the Date of First Delinquency of this account was  XX/XX/XXXX  or XX/XX/XXXX, since at that time I missed my first payment. However, in my recent credit report, this date has been changed to XX/XX/XXXX. and XXXX XXXX keeps reporting it every few year. This is a malpractice under Section 623 ( 5 ) ( A ). 

I received a call from XXXX sometime in XX/XX/XXXX about this debt, and I agreed to pay it off if they would take it off my credit report. The agent agreed to it, so I paid the amount with an interest. However, instead of removing this account from my credit report, XXXX XXXX re-aged the debt and keeps reporting it on my credit report every few years. The original debt/bill was only for {$48.00} dollars. I paid over {$58.00} with an 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 2018-03-15
Company: Account Control Bureau
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I initiated a dispute with XXXX and XXXX in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company Account Control Bureau. Account Control Bureau placed a collection account on my XXXX and XXXX credit report amounting to {$82.00}. I have not been contacted via phone or mail regarding this debt, therefore I have no knowledge of this account. Upon finalizing the initial dispute, XXXX and XXXX   responded with a copy of my credit report stating that the account in question was verified by the creditor. Account Control Bureau did not provide any documents or evidence to verify the account, but instead XXXX and XXXX kept the account on my report. I initiated another dispute to XXXX and XXXX in XX/XX/XXXX asking again for proper validation of this debt, but instead of verifying the debt, XXXX and XXXX reported the debt by responding with a copy of my credit report stating that the account in question was verified by the creditor. Again, Account Control Bureau did not provide any documents or evidence to verify the account, but instead kept the account on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX and XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: FL
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: Billing dispute for services

Complaint:
I have been paying to have my credit file as well as my wife 's credit file frozen for about XXXX to XXXX  years or more. I did the same with for the other XXXX credit reporting agencies as well. Initially, the only way to get a freeze from Equifax was to pay as part of a monitoring program. Which I have done since I starting blocking my credit information. As it turns out the law changed in I think XXXX which would have rendered the services I was receiving from Equifax to now be available as a free service. On, XX/XX/XXXX, I contacted because my wife received a notice that they had cancelled her credit service. I eventually ended up speaking to a supervisor from at XXXX named XXXX or at at least that is what he told me. Anyway, after informing them of the fact that the only thing I needed from this service was to freeze my credit and monitoring, XXXX offered me a new product that was cheaper than what I was currently paying ( i.e. $ XXXX & $ XXXX ). The new product was only going to cost me $ XXXX. what a deal. Well the problem is, XXXX should have simply told me that I could be getting that service for free. I didn't discover this until I investigated more as you will see the date on the Consumer Financial site I found. I have been paying all these years for a service that was available for FREE and I was never offered to change!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: SYNCHRONY FINANCIAL
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:
Ill begin by stating my problem is with PayPal mastercard in the amount of XXXX. To explain on XX/XX/XXXX I attempted to make a split payment purchase between my debit card for XXXX PayPal Mastercard for XXXX and the remaining on PayPal credit for a chassis for go kart and the 3rd payment method PayPal credit would not work we called and they told us try in another week which we did but it still declined for unknown reasons so I told merchant I was okay and we would not be purchasing product and we have been trying to get back the XXXX in our XXXX XXXX acct as well as XXXX that was Charged to the Mastercard reversed and have been running in circles. I never even purchased a product yet the balance on that Mastercard is 1200+ and interest I've been paying the limit on card is only XXXX so its over limit and I just need someone to take the info and fix this matter once and for all its insane how this has gotten to this I have communication between the merchant and I where the charges were reversed on his end and he did dispute 1 time due to the Mastercard taking it from him a 2nd time but he agrees we should be refunded so I have no where else to turn and am needing the fees interest and charge reversed and I'm still trying to fix bank as well. Thanks for any help. I will attatch screenshots of conversations between merchant and I along w statements where I was charged and if anything else is needed please email me at 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 2018-08-20
Company: EQUIFAX, 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 status incorrect

Complaint:
I have had my students loans 100 % paid off since XX/XX/2017. The Department of Education still reports it as I am making late Payments and lowering my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Experian Information Solutions 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:
Hello, I have contacted companies on my credit report that you ( XXXX XXXX experian ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with experian just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to XXXX and XXXX when they investigated they removed and corrected debts not owed by me. Experian  you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way experian. Thanks XXXX and XXXX for doing your job and please delete XXXX XXXX from your files as well. 

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 2019-05-21
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated college 10 years ago this month, and I still have over {$120000.00} in student loan debt. I have made payments for the last 10 years, along with my co-signer and have requested to find repayment option plans to help with the monthly payment for the lifetime of the loan with little or no success at all. 

Putting it into perspective : I graduated in 2009, in the heart of the recession. I was jobless for months on end trying to find work after graduating from a top 50 school. I was laid off two times within a year and on top of the hardship, I was expected to pay back my student loan. At the time, Navient, formerly Sallie Mae, would not allow me to pause payments or reduce payments given my absence of income. In fact, my only option was to be put into forbearance AT LEAST 5 times in XXXX. This company steered me towards multiple forbearances instead of income-driven repayment plans, and I have tremendously suffered. My interest rates are through the rough and the additional principal I have to payback is astonishing. 

Navient will not disclose this information to me and let me know the dates where my account was placed into forbearance. In addition, each time it was placed in forbearance, I was responsible for a {$150.00} fee. My co-signer and I received numerous calls from collections and threats that our credit would be impacted. 

Who knew that getting a great education would have me suffering for 10 years, and many more to follow? I currently have zero assets ( no car, no house ), and I'm not sure when I'll ever be able to own something. My current payments per month are {$550.00} and my co-signers are {$430.00} ; roughly $ XXXX/month combined. 

Please help me.

Company response to consumer: Closed with explanation