BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
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: Their investigation did not fix an error on your report

Complaint:
I spent a lot of money, time and effort making copies of correct/incorrect billing statements from XXXXXXXX XXXX XXXX XXXXXXXX credit card. I showed and presented an argument that the statements were correct up to a certain month, then all of a sudden they stopped crediting money from my payments toward the balances on the special purchases I made, to them to whittle down the balances. XXXX pulled a bait and switch so they could charge me double interest on the purchases by not crediting payments made on time mind you, to the outstanding balances on record. They will do exactly the same thing with the remaining balances I have under that special agreement with them. They took all of the paperwork, threw it out and never acknowledged it by submitting a normal dispute to XXXX rather than forcing them to prove their reasoning as to why they say I didn't pay the amount off from XX/XX/2017 and threw the entire balance from that date on my statement claiming I owe it when I don't. My fear is they're going to do the same thing when the other 2 expire this year. Then I will have to sue XXXX. I want this matter resolved! The balance is incorrect and XXXX has failed at every turn to prove their case. In addition Experian failed to investigate the matter adequately when provided with a mountain of paperwork to prove the errors made by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a 609 letter by mail to Transunion back onXX/XX/2021 to dispute erroneous accounts! I have not received anything in 30 plus day. I wish to remove late payment from XXXX  account # XXXX To delete XXXX XXXX XXXX  Account # XXXX. And to delete XXXX account XXXX which is a wrong account. And to reve all Inquiries not attached to accounts.mo

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 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hello I sent off 5 dispute letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to send me verification of the late payments on 2 accounts that I question or remove them. 1 of the accounts was closed and transferred as paid with {$0.00} balance had late payments of XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX and the other one was in good standing which I 'm currently paying on had a late pyment of XX/XX/XXXX. In return I only was told that the accounts was mine and has been updated. While only disputing these 2 accounts, the account that I had that was in good standing was removed from my credit report when I only disputed the 1 late payment and there were now additional accounts that was closed and transferred with {$0.00} balance as paid payment status has now been changed to payment status unknown only with the 2 accounts in question.

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 2017-11-29
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:
Identity theft I am a victim of stolen identity and fraudulent accounts open in my name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX dealer svcs XXXX Stolen amount XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX 2021 ). The account was a joint account with the senior-aged account holder and XXXX adult children. 
The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect.

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 2021-02-18
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I accidentally used the wrong card I was in the hospital under heavy medicine due to my XXXX. I explained this to several representative that it was an honest mistake. As soon as I realize what I did after I got out the hospital I submit the payment again using the correct account. Im really not able to go places right now due to my XXXX and the pandemic I explain that to several representatives so I cant get the information that is requested from my bank. The payment I made was my last payment. Now all of a sudden I have a fee of {$29.00} return check fee. I feel as if Wayfair is discriminated against me because once I explained my XXXX and the reason why I cant really get out the house the representative were not willing to take them off. I did this on a couple of my other credit cards and they have taken off the fees with no problem due to what happen to me and I was in the hospital under medicine and I XXXX plus its a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Experian Information Solutions Inc.
State: OH
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 want to report my ID stolen. I was looking to buy a car this weekend and I pulled my credit report and found addresses and bills that do not belong to me. 
someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX , I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well

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 2019-02-09
Company: MoneyLion Inc.
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XX/XX/XXXX I took out a loan with XXXX for {$500.00}. During the process, it was required that I set up auto-draft which was done for {$72.00} which included a {$21.00} payment towards loan and {$50.00} towards a " savings account ''. The initial payment was processed but as I was monitoring my account, I noticed that the payments were not being drafted. In XX/XX/XXXX, I called the company and addressed the situation, they blamed it on my bank and not their system. I called my bank ( XXXX  XXXX XXXX ) and they reported that there had never been attempts to withdraw from this company. I called them back and made a payment via debit card. At this time I set it up to auto debit from my debit card. Again, they were not drafting. This time, They reported 60 days late on my credit. I called them back made payment and asked them to remove the incorrect reporting. In XX/XX/XXXX, they agreed to close the " XXXX XXXX '' account and agreed to remove the incorrect negative. I again agreed to make payments from my debit card for the loan only. Once again, they did not make any drafts. I called again, asked to speak with a manager and was told that I would receive a callback. This was in XX/XX/XXXX.  No response no payments. Today, the account was once again reported as negative. There is a whole facebook page ( XXXX XXXX XXXX ) with 100 's of complaints about erroneous credit reporting, trouble making payments, not being able to pay off balances, poor customer service, and conflict resolution etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX I reviewed my credit report and found several inaccuracies i believe to be fraudulent. In XXXX i was a victim of the XXXX XXXX security breach by way of XXXX XXXX. I am requesting this information to be removed and blocked according to the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received communication from a credit bureau that my account was closed. i had not received any notification from the credit card company. I called & was told it was closed for inactivity & that a letter had been mailed XX/XX/2019. i have not received any correspondence as of today XX/XX/19. I verified that my contact information was correct. The bank that has the credit account is XXXX XXXX, and I have had problems with them once before with a refund they owed me last fall on a different account ( which they finally sent, twice ... .the 2nd refund was returned ). 
What is the course of action when there is no notice?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TD BANK US HOLDING COMPANY
State: NY
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:
TD AUTO FINANCE LLC is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. 
I have not initiated any transaction with TD AUTO FINANCE LLC. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with TD AUTO FINANCE LLC for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2018-01-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Beginning in XX/XX/XXXX, I submitted certified letters to XXXX XXXX XXXX in reference to a charged off balance of {$1000.00} and XXXX XXXX XXXX with a collection balance of {$1000.00} asking for validation of the alleged debt owed. ( eg. my signature showing that I had entered into a contract with them ) I was sent a copy of an invoice from the collection agencies, and a letter from the credit bureaus stating that the account had been verified. I then sent another dispute to the collection agencies asking them to provide me proof and not an invoice showing that the debt was indeed mine. I again received a copy of an invoice and a letter from the bureaus stating the account was verified. 
In XX/XX/XXXX, I sent dispute letters to Equifax and XXXX requesting validation of the debts reported negatively on my credit reports. I once again received a letter from the bureaus stating the accounts had been validated, but I have received no proof. 
In XX/XX/XXXX, another dispute letter was sent to the bureaus with another response from then stating " validated '', but with no proof of the validity. 
I have been diligently working to have these items removed from my credit file as these items have been impacting me negatively in my pursuit to purchase a home. All I 'm asking is that I am provided with proof that these items belong to me- An invoice is NOT proof. 
Any help that you can give would be greatly appreciated. 
Thanking you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved in XX/XX/2018 to a new address and asked the company to transfer my account to the new address. The account was transferred to the new address but the terms of the contract were not the same. The company tried to change the terms to suite there needs, and gave me less than I signed up for. I refused to bow to their terms and cancelled the service. All current fees were paid on time and all equipment was returned.

These fees they are requesting are fraudulent because they broke the contract.

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 2020-07-23
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I obtained a copy of my credit file and noticed XXXX is reporting a credit card payment debt that was settled and closed.

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 2021-03-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I believe that HSBC is using deceptive practices on credit cards. I got the notification that my statement was available. I attempted to set up my payment as I normally do, online. However, it no longer allowed me the option. I used the chat function and learned they had placed a block on my card for reasons unknown and in doing so, also blocked my ability to even make my payment which will in turn cause damage to my credit. I was instructed to call the 24/7 help line and was told they couldn't even look up my account because it was after midnight at their location. I feel like they are placing unwarranted blocks on cards to prevent people from being allowed to make a payment so that they can charge additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as Experian, XXXX  and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

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 2021-02-18
Company: Experian Information Solutions Inc.
State: VA
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:
XXXXXXXX XXXX had made an error in there system and owned up to it but would not provide paperwork to back it up

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 2022-03-01
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion and XXXX did not follow bankruptcy law, they allowed XXXX XXXX and XXXX XXXX to re-report lateness on my report after they were in my bankruptcy and discharged, also all information was removed and placed back on my credit. All three reporting companies also list duplicates of my student loans, I have 6 student loans all in good standing, they have 12, 6 of which showing late. Even though I have great payment history for XXXXwo years they continue to lower my score, then solicit money for me to buy something to help my credit, how can they control our credit and make money from companies trying to sell us something. If my score does not change, after being turned down for a home loan, I will be filling a lawsuit.

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