BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
InXX/XX/2019 an exchange was done in store by sales worker that was an even exchange. I never heard anything from this credit card company until XX/XX/2019 when they were reported a late balance owed. After reviewing my account with a customer service rep in XX/XX/2019 they verbally agreed a mistake was made with billing and fees occurred over the entire year of XX/XX/2019without me ever being notified. They assure me they fixed the issue. Then in XX/XX/XXXX I got another email about a balance. This time they were not helpful when I called. The XXXX cent difference in the incorrect exchange got added to my account not until XX/XX/19 listed as a LATE FEE. Then every month the company added Late Fee 's and Interest Charges to the account without notifying me. Statement history shows past due balances for XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and yet none of these Past Due payments were ever sent to credit bureaus or myself until XX/XX/2019 ( all statements will be attached ) They agreed that this was all their error and never fixed the issue. I have tried to dispute with credit bureaus and they are not updating my files and this is damaging my credit for something that was company error. I feel they should not have any late payments on my credit history as they had not ever notified me of these illegal charges and they owe me the money I paid to close the account in good standing because they were reporting negatively to the credit bureaus and damaging my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, TransUnion and XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and over 3 months since my second written request and I still have not received any responses.

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 2023-04-20
Company: Experian Information Solutions 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:
In accordance with the fair credit Reporting act XXXX  Account : XXXX XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 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

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 2020-09-18
Company: EQUIFAX, INC.
State: PA
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: ASSOCIATED BANC-CORP
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My primary bank, Associated Banc-Corp, has elected to sell several of its XXXX, IL area branches to XXXX XXXX. As a result, they informed me by mail that they would also be transferring my deposit accounts by XX/XX/2020 to XXXX XXXX. I do not wish for my deposit accounts to be transferred to XXXX banks. They do not offer the same quality of services that I have through XXXX XXXX. I have a Mortgage, Direct Deposit, several deposit accounts, and many E-billings setup through XXXX XXXX  and it will cause me a great deal of burden to manage the transition to a new bank. Since the Mortgage will still remain with XXXX XXXX, this also causes undue burden in managing that payment. 

I have contacted XXXX XXXX  to inform them that I do not wish to have my account sold to the XXXX XXXX. They in turn refused to honor my request and informed me that I must create completely new deposit accounts at another branch in order remain with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: GA
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:
Equifax is illegally and dishonestly stating they are unable to locate a credit file for me with the same identification Ive used for XXXX years my social security number and card and my valid and legible drivers license. I have since XXXX attempted to have them remove inaccurate and misleading credit information with dispute letters and the proper identification they are still lying that they cant locate a file for me. Im tired of this and now Im going to also file a complaint with my states attorney general and contact a lawyer to sue them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2021-03-30
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/XXXX. 

Today is XX/XX/XXXX and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
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: Information belongs to someone else

Complaint:
Spoke to XXXX in the Fraud department who stated in short that they did not accept the police report I sent because the case number was invalid ( I disagree ), The police report has an official case # and the name of the investigator and her supervisor. Per her request I have picked up a copy from XXXX. This account occurred in XX/XX/XXXX. I never signed a contract with XXXX. She stated that they mailed me several letters that I never received. This could be due to the fact that I moved in XX/XX/XXXX. My current address is attached in this report. I'm asking your help to resolve this matter quickly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-29
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: Information belongs to someone else

Complaint:
My information is part of a data breach. Unknown accounts appeared on my credit and its hurting my credit worthiness.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Re : XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account Number XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2017-12-21
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting recorded calls from a collection agency telling me to get in touch with a different number to settle a debt. I have called them multiple times stating that the person they are looking for is not longer the owner of this phone number and I have been told that they will remove it from their list. However, after many months they keep on calling at least twice a day and now I do not know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX 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 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 2017-12-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XXXX XXXX, I applied for a Barclaycard XXXX Credit Card with XXXX Rewards. Application # XXXX. This is a promotional, interest free program. 

Barclaycard sent me a letter which states " We have reviewed your application and determined that additional information is needed before we can process your request. - Please send a copy of your Driver 's License/State ID, Social Security Card, and a current original utility bill or bank statement with your name and address. Please respond within 30 days of the date of this letter by sending in the requested documentation below. If we do not receive a response within 30 days we will be unable to give your application further consideration. '' I am already a Barclaycard customer, and have a XXXX XXXX XXXX XXXX XXXX card with the company. They have verified my address, they know my social security number, and I have my card statement coming to the exact same address as is listed on my application. 

I called the company on XXXX after receiving the letter and was told that this requirement will not be waived, that despite my already being a customer I need to either mail or fax the documents in ( I can not email them, in XXXX there is no way to securely upload them either as part of the application page. )

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 2022-01-18
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: Their investigation did not fix an error on your report

Complaint:
XXXX reports companies are showing a writing off account as open/closed on my credit report and still showing the full amount of the balance as open and valid.

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 2018-08-17
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX is not the original debtor. XXXX XXXX XXXX is. It is a violation of my rights because I didnt sign any debt with said collection Agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: CITIBANK, N.A.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I had an account with Macys back in 1991 individual credit card that my wy somehow was able to put a name joint with with mine account that I dont know about or without my authorization and she closed it. 
It was my most valuable member card too. 
After that she divorced me left me with nothing to go about my daily life. 

Thanks 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 explanation
Consumer complaint received 2018-07-25
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Merchants Credit Guide Company is representing themselves as a debt collection company but is not disclosing information regarding this information and is using gorilla and scare tactics to collect debt that is not in collections and to acquire information on a consumer. I pulled my three credit reports and there is no collections and no new initiated lines of credit. They have called up to 6 times a day and left robot voice messages representing themselves as a debt collector. The phone number XXXX and they attempt to collect personal information without disclosing information regarding the reason of the communication or providing written communication regarding balances or the collecting agency. This is an attempt to transfer the crediting companies debt to allow them to collect interest on other parties credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo gave me the option to not pay two months of my mortgage because of the hurricane that hit Florida in XXXX. They said they would modify my loan putting those payments at the end of the loan. In XXXX they sent me papers to sign but my father was still listed even though I told him that he passed. I had to bring in his death certificate in so they could take him off. Me and my father bought our house together with the right to survivor clause with my mother signing away any rights to the house if he passed. This was done at the closing. When they sent me new papers to sign they put my mother on the mortgage making her financially responsible for the house. They did this on their own without any permission. I called and asked why they put my mother on and they said that when one spouse dies the law in Florida says that they assume his debt. I was told to get a quick claim deed and file with court house and send them a copy and they would take her name off. I did go and was told that my mother is not on the deed and you cant take someone off if their not on the deed. I went there to verify that she was not on anything relating to the house. I reached out to the bank and they put me in touch with their executive office after I said I was going to consult an attorney. That was in XXXX and still nothing has been resolved and to make matters worse they are charging me delinquent charges over {$4000.00}. They said it will go away once me and my mother sign the papers. I am current on my payments never being late. It is like they are forcing me to put my mother on the mortgage. I talked to them on XX/XX/XXXX and was told that they are working on my case they never reach out to me except letters telling me about my delinquent charges.

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 2018-07-25
Company: Russell Collection Agency, Inc
State: MI
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:
The Russell Collection Agency is reporting a collections account that has been included in my bankruptcy. They have two accounts on my credit reports : {$90.00} Opened XX/XX/2018 ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX  Closed No Info You could dispute an error with XXXX  SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$29.00} Highest Balance {$29.00} Opened XX/XX/2018 ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX  Closed No Info You could dispute an error with XXXX  SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
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: Problem getting your free annual credit report

Complaint:
Every time I try to register on XXXX I am given the error message that my personal records don't match the records of the Credit Bureaus. I tried to register on XXXX XXXX XXXX XXXX  and I'm having the same issue. Obviously my SSN has never changed. I keep trying my past addresses and I'm having similar issues. I pay my own auto insurance, phone bill, subscriptions to Satellite RadioXXXX/streaming services but I've never taken out a loan or credit card. I paid cash for my college tuition and cars. Could the limited credit history be my issue? I find it hard to believe I don't have any credit history at all? Thanks

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