BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-10-16
Company: Bread Financial Holdings, Inc.
State: IN
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:
I have been calling since XX/XX/XXXX to pay my credit card with comenity bank that I have for a XXXX XXXX credit card. My bill was only {$32.00} it is now {$66.00}. I started calling on XX/XX/XXXX my bill was not due until XXXX. When I call and try to make a payment they tell me they system is down and they can't access my account. Or when they do get in my account and take my payment they get a ERROR notice and it wont take my card. I even tried to do it through their automated system and that wont let me ither. They told me they are working on the problem but no one is giving me answers. I have been calling EVERYDAY since XX/XX/XXXX trying to get my bill paid. I now have interest charges and I am upset. I do not want this to mess up my credit. This company is HORRIBLE. Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance : {$770.00} Inquiry : XXXX  Date of Inquiry 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 non-monetary relief
Consumer complaint received 2019-02-06
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I received a letter from US Bank indicating that my checking account will be " dormant '' 30 days after inactivity, which there were none back in XX/XX/XXXX. I also had {$5.00} in that account as well. Instead of US Bank closing my account in a timely manner, I was instead charged maintenance fees and then overdraft fees months after the account was suppose to close. 

XX/XX/XXXX : US Bank sent me a letter, " An Important Message About Your Account '' which indicated that my checking account had no " transactions or communications initiated by the customer in the last twelve months ''. This meant that " If no action is taken within 30 days of the letter ... the account will be considered 'Dormant ' ''. 

XX/XX/XXXX : US Bank sent me a letter indicating that the account has been overdrawn by " {$54.00} '' and that I should contact the branch that I normally do my banking. 

XX/XX/XXXX : I called US Bank CBMD-DDA Default Services at XXXX. XXXX, who was very kind and did her best to help me, said that it was collections and I needed to talk with the branch manager to resolve my matter. XXXX transferred the call which ended up on an individual 's voicemail, which I assume is the branch manager. 

XX/XX/XXXX : Instead of leaving a voicemail, I called the US Bank General Banking Customer Service and shared that my account should have been closed in XX/XX/XXXX, according to the document I received. XXXX, who was very kind and also did her best to help ( but I believe it was outside of her role to be able to fully help me ) stated : ( 1 ) that I was charged a maintenance fee in XX/XX/XXXX, and my account went to {$0.00}, and ( 2 ) that my checking account officially closed on XX/XX/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 monetary relief
Consumer complaint received 2023-04-01
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
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: Was not notified of investigation status or results

Complaint:
I hereby ask for your assistance regarding my dispute. It has been more than 60 days since my first dispute and the accounts that I'm disputing are still lingering on my credit report. This is a violation of 1681 and 1681n of 15 USC. The credit reporting agencies are ignoring my disputes. That is why I'm submitting a complaint in hopes of getting rid of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Lending Club Corp
State: SC
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:
Lending Club ; various amounts ; Reported XX/XX/2020 ; showing late payments while under forbearance for two accounts. 
See attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: The Leviton Law Firm, Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a call from someone 0n XX/XX/19@XXXX XXXX seeking some $ 600+ amount on behalf of XXXX . I asked details etc, XXXX, etc and they refused to give me. Just saying we are a law firm. I said ask XXXX to first contact me, I need to know what the collection is for but all the person got upset saying I am going to record it as non-cooperation. I don't know if this is a scam or what. Who pays without proof of what the payment is for? How come if XXXX says, we owe them, not reached out to me over the phone since I had an account with them? I am willing to pay if it's something we owe only after verification of the same, quote, etc. Don't know why they will not give me information or XXXX will not call directly first if we owe them the money. Please help. We have a clean reputation since 1999 and certainly don't entertain threatening phone calls with no proof. 
I filed a complaint with XXXX case # XXXX. I informed XXXX and they replied to me as per this, there is no debt we owe. 

Hello, I have talked to our credit department and Mr XXXX does not have any open invoices with XXXX XXXX. 
Thank you! 
Please let me know if I can assist you further. Thanks for choosing XXXX XXXX! 
XXXX XXXX Customer Service Specialist XXXX XXXX XXXX XXXX, IA Office : XXXX XXXX The caller kept on repeating he is a lawyer. My phone showed him calling from XXXX - Levinton Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Bread Financial Holdings, Inc.
State: NJ
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:
The statement total is XXXX $ higher then what my charges reflect. And then for current month they are saying I spent another XXXX when it's only XXXX. And they're referencing a {$15.00} credit as the holdup. They're overcharging. Do I get to sue them too?????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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:
XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from XXXX XXXX XXXX, I never contacted or contracted with this company. I contacted XXXX XXXX XXXX by phone and letter. This is very frustrating and embarrassing, I tried challenging their Accuracy and Integrity but with no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

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 2021-06-02
Company: Experian Information Solutions 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:
On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As much as possible I would like to avoid having issues like this, so I want them to take care of it.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 noticed a few years bank a account came onto my credit report from XXXX XXXX. Ive been tried to have it removed since. Its not mine, definitely fraud. Someone had to have stolen my identity for that 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 non-monetary relief
Consumer complaint received 2017-12-14
Company: ALLY FINANCIAL 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: Public record information inaccurate

Complaint:
We opened this account in XXXX and paid on time each month until XXXX XXXX when we filed for bankruptcy ( Chapter XXXX ) when we stopped making payments per our attorney. The trustee made payments to Ally until we dismissed the bankruptcy in XXXX or XXXX XXXX. Ally is incorrectly reporting the account as late every month during this period, instead of stating that it was included in the bankruptcy and omitting the fact they were receiving payments from the trustee.

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 2017-12-11
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my VA mortgage with XXXX XXXX on XX/XX/XXXX. The loan was initially serviced by XXXX XXXX, XXXX. My first payment was due on XX/XX/XXXX. We made our XX/XX/XXXX and XX/XX/XXXX payments on time. In XX/XX/XXXX, we received notice that our loan was being transferred to XXXX XXXX XXXX, and to begin making payments to them beginning with our XX/XX/XXXX payment, which we made on time along with our XX/XX/XXXX payment. During this process, we found out the Loancare did not send advice to XXXX XXXX that our XX/XX/XXXX payment was made, which we were able to quickly correct However, even though our mortgage was transferred to XXXX XXXX on XX/XX/XXXX, final payoff was not sent back to Loancare until XX/XX/XXXX. Loancare, therefore, marked us with a missed mortgage payment for XX/XX/XXXX, which caused our credit scores to drop and my wife was declined for a loan as a result. This is doubly upsetting because we not only made our payment to the correct mortgage company, but were supposed to be protected by RESPA, as the " missed '' payment was within the 60 window of transfer. I spoke to multiple reps at Loancare, who refused to help.

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 2023-02-01
Company: EQUIFAX, INC.
State: PA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

CHILD SUPPORT XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/XXXX, per a court order, I have been paying on two accounts from XXXX XXXX XXXX to XXXX XXXX, XXXX XXXX XXXX. I have not missed a payment, and account ending with XXXX is almost paid off. On all of my credit reports, the two XXXX XXXX XXXX accounts show " Charged Off. '' Both accounts are current, and I have tried calling XXXX and each of the reporting bureaus to get their reporting on my credit updated, but have had no luck. I have filed several appeals to each of the credit bureaus, and their lackluster investigations always favors XXXX XXXX XXXX. I have contacted XXXX XXXX as early as today, XX/XX/XXXX, and they informed me that they collect the money, and that reporting on the bureaus is up to XXXX XXXX XXXX. Since the beginning of this, XXXX XXXX XXXX has not been reporting to the credit bureaus accurately, and even now, with almost one of the accounts fully paid off, I still can not get them, or the bureaus, to report these accounts accurately. With the exception of obtaining an attorney, I have exhausted all measures to rectify this situation, and now request your assistance in order to get my credit report updated with the correct and accurate information. 
XXXX XXXX XXXX XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
N accordance with the fair Credit Reporting act XXXX Account. The accounts below 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX {$440.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX additional reporting multiple times XXXX XXXX {$3800.00} XX/XX/XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX 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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX 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 an account without my written instructions.

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 2023-01-25
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An unknown account was reported to my XXXX credit report in the amount of {$1900.00}. As shown on my credit report, an account was opened through XXXX XXXX and sold to a collection agency called Jefferson Capital Syst. From the XXXX credit report, it reflects that the account was reported on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: NC
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Collection agency, Haris and Haris, spoke to a relative about the outstanding debt and accepted payment from them even though the relative has no liability or responsibility to the debt. 

Amount was for {$9.00} fee and {$9.00} penalty, collected on XX/XX/2019. Had previously spoken to the collection agency, to provide them with my corrected contact information, instruct them to only use the phone number I provided, and then inquired about whether they have a record of the original payment being settled ( which it was ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: U.S. BANCORP
State: VA
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:
There is a fradulent account on my credit report showing closed and in collections/charge-off titled ELANCO FINL SVC reported XXXX XX/XX/2023. I have never done business with them and have stayed up to date on all of my accounts. I have attempted to file disputes with XXXX to no avail. I have attempted to contact the company with no response. I need this corrected immediately as I have a government security clearance and this count effect my career. Please have this removed immediatly.

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 2019-01-07
Company: Avant Credit Corporation
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:
XX/XX/2018 i looked into rates on 2 companies for an installment loan, they both promised that they were soft credit checks and when i did go to apply for one loan i found out that avant had done a hard credit check even though i didn't agree to that. 
so i need that removed from my credit report.

Company response to consumer: Closed with explanation