BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, XXXXongress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. The following accounts I demand to have removed XXXX XXXX XXXX, U.S. Bankruptcy  Court XXXX. The following bankruptcy has already been deleted and deemed as unverified with XXXX they were not able to verify the bankruptcy per law so how are you? with the original furnisher? not through third party sold information that's against the law ( chapter 15 usc 1692, 1608 ) you are required to follow this law and provide written consent. 

Under code 15 U.S. code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates I XXXX XXXX XXXX have never gave XXXX  any written consent to report anything on my consumer report, No consent is identity Theft. I will provide a copy of the LAW. 
The following addresses are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Az XXXX YOUR companies failure to comply with these laws has cause my major distress on me as a consumer and has ruined my reputation as a consumer and I demand to have these laws enforced and data deleted permanently. 
This abusive act has been an invasion of my individual privacy. If you do not respond or comply with these laws I fully intend to pursue all litigations possible in regards to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: KEYCORP
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2013 my husband and I went through a loan modification to restructure our debt. At the time we had 3 home equity lines of credit through Key Bank. All were included in the new loan. We have recently tried to secure a new home loan and discovered that not only are these account still listing balances when they should not be but are each listed in duplicate on our credit reports showing us as having {$160000.00} in collection accounts. We have attempted to contact Key Bank and have also disputed these accounts with the credit bureaus. Due to our disputes, XXXX  has updated their reporting showing two of these accounts as " PAID IN FULL WAS A CHARGE-OFF '' and the third account was deleted entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-02
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: Account information incorrect

Complaint:
I have always had perfect credit and pay my bills on time. 
I have relocated and my mail has not been proper with XXXX XXXX. I made the payment onetime and whoever the agent was took down the wrong account number and the company reported late on my credit bureau report included with my husband. If this company can not remove the late off of my credit, I want to disassociate myself with the company. 

I am a very successful and there is no reason there is a late on my credit report due to the company 's error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$53000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$40000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX  XXXX {$150000.00} XXXX  XXXX XXXX {$150000.00} XXXX XXXX XXXX  XXXX {$1400.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$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 explanation
Consumer complaint received 2020-12-02
Company: EQUIFAX, INC.
State: SC
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 have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2018-07-12
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Im disputing my new account balance of {$930.00} with XXXX XXXX. Per the original purchase agreement our balance was {$1500.00} as of XX/XX/XXXX and weve paid a total of {$1500.00} as of XX/XX/XXXX. Weve consistently paid almost 4 times the minimum monthly payment of $ XXXX- {$27.00} since the original purchase, so our account should have been considered as paid ahead and NEVER past due. To date it appears weve overpaid the original balance by {$150.00}! The payment we just sent on XX/XX/XXXX of {$140.00} was an OVERPAYMENT, as the account should have already been paid off with our XX/XX/XXXX payment. 

My husband XXXX XXXX has contacted your Customer Service, department 3 days in a row ( XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) to dispute our balance and each time your representatives have advised that our balance would be paid off if we pay the minimum amount due of {$27.00} by XX/XX/XXXX. Theyve advised they dont see our new balance of {$930.00}, when this balance is clearly showing in your system! Also, my husband has advised of our most recent payment on XX/XX/XXXX of {$140.00} and each time theyve advised they see no record of our payment, which shows as received on your own website on XX/XX/XXXX! What is the point of having Customer Service representatives if they cant so much as confirm our balance and payment history?

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 2020-10-27
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: Investigation took more than 30 days

Complaint:
Back on XX/XX/XXXX I mailed disputes to the credit bureaus, but I never received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.

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 2018-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 pulling my credit XXXX XXXX XXXX transunion and XXXX   having isssue removing my fraud alert with all 3 's XXXX, transunion, and XXXX  ftc law was put in place to have this done in 1 hour of the request read ftc guidelines XX/XX/XXXX 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 explanation
Consumer complaint received 2020-09-08
Company: JPMORGAN CHASE & CO.
State: TX
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 been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2010 with a balance of {$4500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2018-07-12
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 have previously submitted a complaint regarding this matter unfortunately I wasn't able to follow up on it on time. 

Both XXXX and Experian have been reporting inaccurate information on my report.. 
The are listing an Account with XXXX XXXX and a second one with XXXX as being good standing and pay as agreed when it's not the case. 
The account with XXXX is not mine and was fraudulently opened. I have contacted XXXX probably 10-15 both personally and via regulating agency without any success. 
The Account with XXXX XXXX is legitimately mine ; however they never reply or acknowledge any request to help assist how the fraudulent charges were committed in order to assist me with filing a police report. 
I have contacted both reporting agency multiple without any success, Both agency are claiming that I am paying on those account which is also false. The last time I make any charges on payment on the XXXX XXXX Account was probably in XXXX or XXXX. and the Account with XXXX is not mine. 

I spent hours initiating dispute with XXXX online only to find out at the end that this service is currently unavailable and I always end up sending everything by certified mail. I am requesting that both agency investigate this matter seriously and remove the incorrect info from my record. 

Also there are numerous discrepancy with my Mortgage payment history since XX/XX/XXXX, always payed my Mortgage ahead of schedule I have also provided both agency with a payment history regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: NV
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:
All 3 credit bureaus. Experian XXXX and XXXX XXXX. All 3 credit bureaus have the wrong information that's been reported on my credit report. All 3 credit bureaus must comply with the wishes of the consumer so that they can probably an intelligent XXXX keep the status of the credit reports up to the current status and it should be. I haven't closed letters to showing that this dispute process is it is in a legal process and it should be abided by and completed by the credit bureaus.

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 2018-10-03
Company: Global Payments Check Services, Inc.
State: KY
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:
ON THREE DIFFERENT OCCASIONS AT THREE DIFFERENT BUSINESSES THIS YEAR I HAVE BEEN DENIED CHECK CASHING PRILEDGES AND EACH LOCATION HAVE REFERRED ME TO GLOBAL PAYMENTS GAMING SERVICES INC. I HAVE BEEN TRYING TO CONTACT GLOBAL PAYMENTS TO CORRECT MY ACCOUNT SINCE XX/XX/2018. ON SIX OCCASIONS I HAVE MAILED LETTERS, E-MAILS AND PHONE CALLS. 

GLOBAL HAS IGNORED MY REQUESTS AND HAS NOT RESPONDED WITH ME AT ALL.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: AFNI INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
AFNI Debt Collection is reporting a XXXX XXXX  account on my credit report. This collection was paid in 2018. I called AFNI on XX/XX/XXXX and XXXX requesting that the account be removed immediately from my credit report. AFNI requested proof of payment which was sent in by email on the XXXX of XXXX. I am currently in the process of attempting to obtain a mortgage which I explained to the customer service employees. The day that the account showed up on my credit report I had just had a mortgage company put in an application for a mortgage. I was denied because of this account. I only have a short time to shop around for a mortgage but I can not do that at this time because AFNI is reporting a collection on my credit report. I would like for this to be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: WELLS FARGO & COMPANY
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 have previously submitted a complaint regarding this matter unfortunately I wasn't able to follow up on it on time. 

Both XXXX and XXXX  have been reporting inaccurate information on my report.. 
The are listing an Account with XXXX XXXX and a second one with XXXX as being good standing and pay as agreed when it's not the case. 
The account with XXXX is not mine and was fraudulently opened. I have contacted XXXX probably 10-15 both personally and via regulating agency without any success. 
The Account with XXXX XXXX is legitimately mine ; however they never reply or acknowledge any request to help assist how the fraudulent charges were committed in order to assist me with filing a police report. 
I have contacted both reporting agency multiple without any success, Both agency are claiming that I am paying on those account which is also false. The last time I make any charges on payment on the XXXX XXXX Account was probably in XXXX or XXXX and the Account with XXXX is not mine. 

I spent hours initiating dispute with XXXX online only to find out at the end that this service is currently unavailable and I always end up sending everything by certified mail. I am requesting that both agency investigate this matter seriously and remove the incorrect info from my record. 

Also there are numerous discrepancy with my Mortgage payment history since XX/XX/XXXX, always payed my Mortgage ahead of schedule I have also provided both agency with a payment history regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
lied to me several times kept telling me the only way to pay my bill was through a bank account after I told them my bank wouldn't allow it and also lied to me after they took money from me and told me the only way they can give it back was through a check but replace the funds back in my account a couple of days later saying I don't owe them a balance closed out my account and said I owe them XXXX $ and that they would take XXXX to close it but I recently had sent money to them and they sent it back saying I didn't owe anything they also reported me to credit bureaus saying I was late but they never sent me bills. they also made a statement where I pay in full all negative will be removed but they lied about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
1 ) American express used a bait and switch deceptive marketing technique and increased fees from 0.2 % to 3600 %. More details : 2 ) They originally offered about 0.2 % fees for paying a charge over a 3 month period. For example, if I purchased a {$1000.00} appliance, I will only pay a total of {$1000.00} in total. This total is divided by 3 and paid as {$330.00} in 3 monthly installments with no other fees or interests. 
3 ) Later, from this month ( XX/XX/2020 ) onward they 'removed ' the 0.2 % fee and offered 36 times the original fee and a minimum of 9 months. That is, the same {$1000.00} appliance will cost {$1000.00} in total. They are also trying to circumvent the interest rate laws by calling both the ( 0.2 % and 3600 % ) charges as 'Plan fees '. 
4 ) I have attached screenshots of American Express Website to  corroborate all of my above statements, showing the following amounts along with my calculations as detailed below : 4a. Old Plan Fee/ Principal amount = ( XXXX ) * XXXX = 0.2016 %. 
4b. New Plan Fee / Principal amount = ( XXXX / XXXX ) * XXXX = 7.344 %. 
4c. Difference = XXXX = = XXXX times = 3642 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my report from a collection agency called XXXX   XXXX who claim to be collecting for XXXX XXXX. I contacted XXXX XXXX bc I have no knowledge of the account. I informed them that another collection agency is also on my report who claim to be collecting for the same debt and that collection agency is XXXX XXXX XXXX. I inquired how they could be collecting for the same debt that I know nothing about. XXXX does not even have a tradeline on any of my credit reports. I was advised to submit a dispute as well as file a complaint on both collection agencies. I have already submitted for XXXX XXXX XXXX and this complaint is for XXXX. This company is using illegal tactics to get consumers to pay collections that they clearly do not own or were not assigned to. XXXX XXXX has yet to properly validate the debt according to the FDCRA. These collection agencies are breaking credit laws and I will not hesitate to sue for defamation and smearing my credit profile.

Company response to consumer: Closed with explanation