BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX has violated my rights under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose They continue report late payments when its illegal to do so

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 2021-12-02
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On statement was an unauthorized fraudulent charge on XX/XX/2021 for {$350.00} by vendor listed as XXXX XXXX XXXX XXXX. When I phoned I was told it was a mistake and they would refund it which they didn't. Phone call to CitiCards was immediately made. Fraudulent charge credited on XX/XX/XXXX. Then reposted on XX/XX/XXXX. Action already taken by me has been phone calls by me to Customer Service CitiCards since XXXX, when I received the statement, hard copies of complaint mailed to CitiCards, emails of complaint sent to CitiCards. I was told by Citicards in my phone calls ( XXXX, XXXX, XXXX, XXXX ) that I waited too long to complain and I was denied access to a supervisor. I was also told on the phone calls that the fraud had been removed ( false ) and that a legitimate charge from XXXX XXXX was being investigated though I didn't request it. Also email complaints were sent to XXXX XXXX and their parent companies XXXX XXXX and XXXX XXXX. All were ignored.

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 2022-08-13
Company: Experian Information Solutions Inc.
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2019 Balance {$2800.00} XXXX XXXX XXXXXXXX Date Opened XX/XX/2019Balance {$880.00} XXXX XXXX XXXX XXXX Date OpenedXX/XX/2019 Balance {$4400.00}

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 2020-02-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My account with Nissan Motor Acceptance Corporation ( NMAC ) was settled on XX/XX/19 ( See attached ). It  is showing a XXXX balance from the attachment from XXXX XXXX that was reported by XXXX  and XXXX  ( See attached ). I called the ( 3 ) bureaus asking them to remove it from my credit report. I was told that it couldn't be removed at this time. I would like help of removing it from all ( 3 ) credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, Im having discrepancies with Equifax and the creditor XXXX XXXX and I reached out to XXXX  by mail due to the fact that there the only credit bureau agency that doesnt have live representative that consumers can speak with, I havent heard any feedback from XXXX  about my credit report ever since XX/XX/XXXX. I spoke with multiple of live agents multiple times at Equifax all Im being told is lies majorly of the representatives from Equifax doesnt even want to give consumers there name. Equifax went into my credit score constantly changing my score to high to low, over a company called XXXX XXXX that was paid off, I was told by one of there customer service representative that it would be removed from my credit report, XXXX XXXX is reporting it to the credit bureaus as a paid charge off. XXXX XXXX owed XXXX XXXX, I had both of them at the same time before going to a horrible divorce loosing everything, my children I was XXXX  sleeping inside of the car, I had a few hardships the past couple of years, I paid off XXXX XXXX and I fell a little behind in my XXXX XXXX and got delinquent. Im out of work for getting injured on my job, and still find a way to pay them off, and XXXX XXXX still want remove this account off my credit after being told they would very Val people to there cord, its people out here in this world wouldnt care at all and not come back two years to pay there account off, I could of waited to it dropped off my account in XXXX. I need Equifax to stop taking points off my credit score for a creditor I paid off, I have evidence that Im sending over

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom it may concern : On Tuesday XX/XX/XXXX, I appeared in court on this matter and it has been set for trial for XX/XX/XXXX. This is almost a year from now and I do believe I have given XXXX   XXXX  plenty of time to provide me with the information I have requested to validate this debt they claim I owe. Not to mention if there intent was to ask for a continuance on this matter which would have only lengthened this issue even further. Since this matter has been set for trial, and they have yet to provide me with any other than billing statements, I should no longer have to carry the burden of this damaging information on my credit report. Unless they can show proof or provide me with anything else this should be removed immediately by the collector and if they fail to do so then the reporting agency should be notified and have action taken against them as well, I hope we can begin this process immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
i never consented to authorize nor benefited from all Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let Equifax have one of their XXXX  XXXX certify under the penalty of perjury that i did received good and service from those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Experian Information Solutions Inc.
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 noticed a few accounts on my report I do not recognize

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 2022-04-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian keeps reporting that I don't have a credit score or credit history. My mortgage company and creditors report my credit to Experian every month, but for some reason, Experian does not display my credit in their records. I have an extensive credit history and my credit scores are around XXXX with XXXX and Experian. I have been denied mortgages, credit cards and auto loans because Experian has not fixed this problem in over 5 years.

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 2021-12-02
Company: PNC Bank N.A.
State: NJ
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 had an auto loan with PNC Bank. I closed the loan in XXXX of 2021. 

As of XX/XX/2021, they updated my credit reports with late payments. 

I do not know why this account would be updating my report after they are closed. 

This hurt my report and I am looking to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
i never consented to authorize nor benefited from all Inquires, Block and delete them. If i have received goods and services from the furnished Inquires, Let Chexsystem have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.

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 2022-04-27
Company: EQUIFAX, INC.
State: GA
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 have previously disputed an item with you ( XXXX XXXX XXXXXXXX/ Reference # XXXX ), and in your response you verified the item as accurate, stating that you have verified by XXXX XXXX, but the information was reported by US Bankruptcy Court . I have enclosed for your review by the court. It is clear they do not report to you or any other credit reporting agencies. Therefore, your original response to the accuracy of the item was inaccurate because it was reported as a discharge to the credit reporting agency by the court, which they clearly do not. Also, it states that I have been discharged which I have not been, only filed on XX/XX/2022 not XX/XX/2022 as the letter states. Pursuant to the reporting requirements, the reporting does not comply with FCRA ( 15 USC 1681 and 1681i ) 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING : The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
In Addition : ( 15 USC 1681i ) Procedure in Case of Disputed Accuracy ( 5 ) Treatment OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Also, I did not give you written permission to obtain and furnish my personal information to the consumer reporting agency. 
( 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 did not give you written permission to provide any information for my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS - The mortgage still shows in the deceased name. A modification was applied for and denied, the XXXX is the eldest daughter. SLS can not prove the notice of intent was served to the XXXX because the letters and mortgage are still in the deceased name. No assistance from SLS when modification was denied - XXXX XXXX medical issues. Due to the irregularity in the notice of foreclosure, the foreclosure should be postponed and mortgage statement is placed in the XXXX of XXXX and XXXX is allowed to make the decision to short sale the property. The wife and XXXX daughter occupy the home - the youngest is UNDER XXXX. Also, this is a HURRICANE DISASTER ZONE. A furlough on all foreclosures in this area was required by the CFPB for 90 days. 

Since there are numerous irregularities on the title, the foreclosure is invalid. Especially because the home is in a XXXX Disaster XXXX. 

The previous CFPB complaint was rejected by SLS stating no authorization. Since a modification was file and I will attach evidence, that is not true. I did email and fax in authorization for me as the attorney on record.

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 2022-04-27
Company: ACIMA CREDIT, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Acima allows identity theft by not doing actual credit checks. They do a soft pull. Anyone with an XXXX dump can easily get an account with this company circumventing credit lock. This tactic looks to be part of their business model to make quick cash. Trying to remove identity theft, Acima expects you to jump through their process and said they would not accept the FTC report. They work directly and only with XXXX, who will not remove the fraudulent account. Acima is a client of XXXX. No proof has been provided to XXXX from Acima about the account. They keep closing the dispute. I had over an XXXX XXXX XXXX perfect credit history, and I would never use some scam service owned by XXXX XXXX XXXX ( ACIMA ). It is impossible to get anyone to help me at XXXX, and Acima is worthless. If you go to XXXX  complaints, you can see top complaints on how criminals circumvent the credit lock system because Acima does not do an actual hard pull. Meaning it will not show up on your credit. This fraud first showed up on my account in XXXX Another shady thing was that ACIMA shows the account paid off after I made the initial dispute, lowering my credit even more. I believe Acima is fraudulent, and XXXX is helping through deceptive practices. Both companies have not responded to the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have requested Transunion XXXX supply me with documentation of their verification of the Bankruptcy on my credit file. Transunion Credit Bureau and XXXX Credit Bureau need to provide me with copies of all documentation associated with this Bankruptcy account bearing either a court order to place this information on my credit report or my authorization bearing my signature. This is the third time I have asked for said documentation from Transunion and XXXX. As of today XXXX/XXXX/2017, I have received nothing from Transunion or XXXX. <P/>Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau.

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 2022-04-27
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX XXXXs Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 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 a 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 2017-09-29
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Co-signed loan. Date of loan XXXX-XXXX-2010. Loan amount is {$10000.00}. Seven years later, the unpaid principal is {$10000.00} and the variable interest rate is 14.25 %. The interest and late fees are creating an installment loan that will never be paid off, thus my sons loan will perpetually haunt my credit. Im XXXX. I would like to retire one day and buy a retirement home. But due to Navient and this loan, it will come at a higher cost. Even if i give in and pay off this loan for my son, i still have an adverse event on my credit until I am XXXX years old. And what will that teach my son about responsibility for his own actions? I see he made payments on time. Seems like i should be able to get a release now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: NJ
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:
I have notified all 3 credit bureau several times of unfamiliar inquiries on my account, violating my rights. They have not deleted, verified or notified me, and the unknown inquiries remain in my 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 2021-09-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied the Amex cash magnet card few months ago.The reason I applied the card because I received an email about the promotion that said {$200.00} bonus if spend {$1000.00} within 3months .I called the customer service Because I had Amex blue cash card with them, he told me its different type of card which I could still get the account bonus if I got approved! so I decided to apply the credit card and got approved.After I spent the {$1000.00}, I did not see any credits or cash back points for {$200.00} value on my cart .I called them at least 5 times .First time, let me Waite for anther 8-12 weeks after the {$1000.00} purchase and told me the bonus was on my account.but after 2billing cycles, still nothing .I called gain.The agent told me he checked everything on my account and i was eligible.he would go ahead to request the {$200.00} bonus which was missing on my account .Let me waited about 3-5 business days .A week later .Still nothing, I called them and also chat over the app.The phone side agent told me Amex only provide one time welcome bonus for life time, thats the reason why I did not receive it .But as I asked the agent before I applied, this is definitely wrong, I also I researched on XXXX .Thats not true! I decided to chat with an agent on app, the agent told me I accepted the Amex declined welcome bonus when I applied the card, which show on my desktop! I did not see anything show up I would not receive he welcome bonus! If I saw it I would not go ahead get the card which I already had credit cards! They tried to declined my welcome offer with multiple reasons which every time was different.

Company response to consumer: Closed with explanation