BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Transunion placed a collection debt on my credit file without proper investigation and I wish to dispute or have the debt collection removed immediately. I understand my rights as a consumer and believe Transunion is in violation. The collection they reported is from a collection company called XXXX XXXX account # XXXX in the amount of {$6.00}, XXXX. I asked the collection company for debt validation and they failed to provide proof. I am a very responsible person and my credit history is excellent. I've lost over 100 points due to transunion failure to investigate matters.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account 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 non-monetary relief
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/23 I sent the credit bureaus dispute letters regarding inaccurate information on my credit report. As of today, None of them have responded to my disputes and it has been more than 30 days. I still have the inaccurate information on my credit reports. Please see the attached copies of documents sent to the credit bureaus including letters, identification and my identity theft report from the Federal Trade Commission. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Balance $ XXXX not mine XXXX XXXX XXXX  XXXX XXXX $ XXXX not mine, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: CURO Intermediate Holdings
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
First Heritage has my phone number but instead they call my job every day sometimes twice a day and almost has made me loose my job this is not cool at all. I have asked them to stop they will not do it.. 

First Heritage Credit XXXX XXXX XXXX  reviews Loan agency in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hours : Open Closes XXXX Phone : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian keeps saying that my CFPB complaints as well as disputes are coming from a third party when thats just not true. That would require the third party having my login information which is simply not true. I am sending all correspondence to my attorney on this matter. Im authorizing this dispute because I was the one that submitted the case

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 2023-08-14
Company: Experian Information Solutions 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-05
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 am having a problem with Equifax. Equifax is reporting inaccurate information that is negatively hurting my credit file. The following inaccurate information is hurting my credit score. XXXX. Lack of sufficient credit history on bankcard or credit card accounts ( However my oldest account dates back XXXX  years, XXXX months ) XXXX. You have either very few loans or too many loans with recent delinquencies ( However all of my credit cards are paid as agreed, the balances are XXXX and I do not have any delinquencies ) I have contacted Equifax to please correct this inacurate information to reflect the true status of my credit file. Complaint Claim # XXXX on XX/XX/2022. 

I have attached supporting documents. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a joint checking account at Bank of America with XXXX XXXX. He has a sole credit card account for his business with Bank of America also. On XX/XX/XXXX, I noticed that {$370.00} was taken out of the joint checking account. There was a note that said " offset debt ''. I called Bank of America immediately. 
The representative shared with me that Bank of America had a right to take money from my account to pay another debt to one of their " assets ''. However, this is a joint bank account. The debt is associated with XXXX XXXX. It is not a joint debt. I should have rights as a joint co-owner to protect my funds. The banking representative could not share any information about the debt. I asked them to go through the normal debt collection process. This seems like an unsavory and unethical practice. The debt in question was being handled by XXXX XXXX. However, they would not refund the money. I am filing a complaint, because joint account holders should have rights and not be held liable if the debt is not shared. I had not heard about this practice. This should be in BOLD PRINT to any consumer who has a checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: JPMORGAN CHASE & CO.
State: MA
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 customer service

Complaint:
Contacted Chase Credit Card customer service regarding a flight booking ( Travel date was XX/XX/XXXX ) that was canceled during XXXX XXXX wave. I booked the flight through Chase Travel booking website. They provided travel credits on XX/XX/XXXX for the same airline which I couldn't use because of travel restriction by US. I called Chase for a refund, and they asked me to contact the airlines ( XXXX XXXX ) directly. I contacted XXXX multiple times, there was more than 2 hours wait time. Finally when I got connected with XXXX customer service, they mentioned that Chase can lookup airline cancelation policy at XXXX XXXX XXXX and that I am eligible for a full refund. I called Chase again with this information. The customer service then provided me an option of partial refund. I didn't understand why. So I insisted them to check with XXXX for a full refund ( XX/XX/XXXX ). It has been two months after this.

In the email Chase sent me, they had mentioned they will contact me after 5 business days. Each time I contacted them instead when there was no response or update from Chase for weeks. 
I contacted Chase again later ( XX/XX/XXXX ). They mentioned they need a " waiver code '' from XXXX. This time I was connected to a customer service manager and she tried to contact XXXX over phone while I was on hold. The resolution was still the same. They said they will contact XXXX through email and will update me when they reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-29
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/2019 Assetcare LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to request an investigation of the following information that Assetcare LLC is reporting to the credit agency on my behalf. 
I am writing to challenge the reporting and compliance on two accounts with Assetcare LLC which is reporting missing information/incorrect information. More specifically I am referencing the fact that you are reporting. 

Dispute # 1 Date Open : XX/XX/2019 Amount Reporting : {$61.00} Dispute # 2 Date open : XX/XX/2019 Amount reporting : {$180.00} Disputed Reason : This account with your company is in question, please send me last billing statement, medical release paperwork that shows I gave permission to release my medical report that show you didn't not validate my hipa rules. please correct the missing/incorrect information date of last activities. your improper procedures are highly damaging to my credit score. please immediately delete this item

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
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: Was not notified of investigation status or results

Complaint:
TransUnion has broken several laws according to the FCRA. I have sent them letters ( certified ) with no response, even though I have proof of the letters being received by TransUnion. When I contact them, they say they do not have my FTC report or any of my correspondence on file, they constantly tell me to resend letters that they are clearly deleting from their system. I have proof of the letters I sent along with the certified mail receipt showing that they have received the letters with no response to me from 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 non-monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-01-14
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: Information is missing that should be on the report

Complaint:
Even though my credit scores are good, I am unable to get a loan, credit card or anything financed due to the complete incompetence of Experian. 
Their computer generated answering system placed a security freeze on my account without my request, permission or approval. 
The cost of this egregious error is substantial. When I finally realized the error, I called to correct their incompetence and now have to send written letters detailing who I am. They should be required to have a live body with a functioning brain answer for their computer XXXX ups. XXXX XXXX refused a new card because of this as did XXXX XXXX and several others.

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 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Mailed the letter to Transunion for their violation pursuant to FCRA 604 - 15 USC 1681b. Permissible purposes of consumer reports. I, XXXX XXXX XXXX XXXX being the original creditor and consumer never gave TRANSUNION any written consent, and no authorization to report anything on my consumer report. No consent is Identity Theft. 

Please see attachment

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 2020-01-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity regularly deceives customers to collect undue fees and interest on its POS credit card products. 
The stream of consumer complaints is incessant - with new complaints posted weekly as you can see here : https : XXXX 
and here : https : XXXXcomplaints In my case, I was recently charged a late fee, despite making regular monthly payments well in excess of the minimum due payment. 

In my correspondence with the company, they avoid answering direct questions, and instead obfuscate and confuse by quoting irrelevant paragraphs of their terms and services agreements. 

I will attach our correspondence, if attachments are allowed by this online form. 

Most specifically : - my credit card was issued ( at web POS ) on XX/XX/2019 - I made regular monthly payments of {$120.00} every month no later than the XXXX. 
- I was assessed a late fee of {$27.00} on XX/XX/XXXX. 
- The company would not explained how and why that fee was assessed. 

With you help, I would like to prevent them from extorting and exploiting more customers, as they continue to do regularly and on a large scale. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TD BANK US HOLDING COMPANY
State: MA
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:
Good Evening Target/TD Mgr ; XXXX and Cfpb ; Listen, Im shocked and perplexed today when I reviewed my credit report and still noticed that your company continues to report erroneous, misleading, incomplete information on my name for this Target/TD account # TARGET/TD Acct # XXXX. I downloaded the FCRA guide/law from FTC website several months and learned so much about consumer law. Its my basic understanding that if youre going to report information on my consumer credit report, you must ensure that youre reporting them 100 % accurate, timely and verifiable according to the provisions of FCRA. Well, this account is unverified and there is no way that you can continue it report on my credit and say that its verified. I also noticed that XXXX  removed it due to violation. Its reporting with multiple inaccuracies and inconsistencies. For example, there are different and questionable dates of last verified, last reported, last payment, dates of last active, and questionable dates of 1st delinquency. Each credit bureaus are reporting this in error, plus I already paid this account and I was told that in 30 days it would be removed from my credit report. Why only XXXX  removed it from my credit report? Why are there 30/60/90 CO status payment status after the account has been closed. This account is in violation of fcra and its unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I attempted to dispute several old and inaccurate items on my report through Experian on line. They refused every attempt and required that I call them to dispute the items. When I called, she asked me to go through each item and she would review it then. There is no way this is possible and I am assuming they would categorically deny any dispute. Not only is this a waste of time but it is extremely cumbersome and inconvenient, I will now have to submit them all in writing at this point as I have no other fair option to remove these items.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts are reporting late as reported in my XXXX and Credit bureaus. These accounts should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on these accounts. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$320.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-02-22
Company: EQUIFAX, 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:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Westlake Services, LLC
State: AL
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:
Contacted Creditors about an account that was on my credit report. I was told if i paid these accounts off they would be removed off my credit report. Ive paid these accounts off and its still on my report. Ive called numerous of times to get everything resolved, ive even asked for dispute letters and keep getting the run around each 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 explanation