BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
Company: Experian Information Solutions Inc.
State: TX
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 and Experian are reporting an incorrect coding of the XXXX partial account number XXXX. This account is being coded as an M5 when actually this account needs to be coded as an M1. ( Please see page 4 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2018-03-09
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Some one named XXXX XXXX tried to access my wife 's account and she is going " Who is this '' They have a lot of information about me, almost to much. I do not know who this company is. I have never even heard of them and why are they trying to access my wife 's account and she said she received a very strange number a couple weeks ago, but did not think anything of it. Please remove me and do not try to access her account again. She is very upset with this.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/transunion/ XXXX have stated the bankruptcy court verified the bankruptcies on my account the bankruptcies court does not provide the credit reporting information to anybody I will upload my bankruptcy letter XXXX has lied and have violated my rights as a consumer I want bankruptcies removed and all inquiries removed immediately or I will file a lawsuits! XXXX has all approved removing everything from my credit file I have disputed! And also sent out letters to all XXXX credit bureaus to remove all disputed information off of my credit file! XXXX says they are not the credit reporting agency for any of these companies! Please remove all information off of my credit report!!!!!! 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 non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have unverified and unauthorized inquiries and collections on my credit report thats need too be removed asap

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 2021-05-27
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
American Express is continuing to pull my report without my consent. 
I do not do business with American Express. 
I have never inquired about a card or any service from them, so why do they check my personal consumer report once a month without my consent even though Iv'e asked them to stop?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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: Account information incorrect

Complaint:
I have tried multiple times unsuccessfully to have the reporting of my student loans corrected at all three credit agencies. In response to my inquiries I receive form letters denying this correction. There are 12 separate listings, some are repeats of same loan, on each report of XXXX, XXXX, and TransUnion. 

Each contains multiple errors such as listed as still open and 120 days past due even though paid in full in XXXX, amounts incorrect, status incorrect marked as open when closed and multiple are over 7 years since first delinquency. 

Please help me correct these reportings. I was behind in my payments in XXXX due to personal illness and went through the loan rehabilitation process and consolidation process. My loans have been current for over 5 years yet these older accounts still remain as currently past due. 

XXXX does not respond and just sends form letters and adds comments stating verified by grantor.

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 2022-02-06
Company: EQUIFAX, INC.
State: NV
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:
Having issues with Equifax. They are reporting my credit score XXXX points below XXXX and XXXX. I can't log on to the website to get my current score ( myequifax ) because it is down and has been down for several days. I called them to get information and all they could tell me is its not as low as reported but they could not tell me the score. They said keep trying the website but it has been down for almost a week. I can't see my score or file any disputes because they have me locked out. They are holding my credit ransom and there is nothing I can do about it. This has to be criminial!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: TN
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-29
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Sallie Mae had the original loan for under {$20000.00}. Since being with Navient, there has been so many issues, from they had no record of previous payment, to check online about where your payments are going, to dealing with the rate reduction program. I have been dealing with the rate reduction am for 3 years, have made my payment on time, and most of my paymets go to interest. I owe them {$40000.00} now due to interest they have charged me. So for 3 years the amount I owe is still {$40000.00}, doesn't anyone besides me think this is wrong? How is this possible? I need help and have attached my info from Navient. I have also signed up again for rate reduction, but they are showing my current payment is over {$400.00} which is not and agreed to {$270.00} because I had to. I have been doing this rate reduction for 3 years and I'm not understanding where my payare going since I still show owing {$40000.00}. The people are not helpful, and say to look at the website, but the website shows all money I have payed going to mostly interest!!! Ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TD BANK US HOLDING COMPANY
State: NC
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:
XXXX # XXXX for an order of 2 XXXX  watches was delivered to XXXX, NH, associated with XXXX # XXXX. 

12/6/21-Received email from the receiver that both XXXX watches were missing from the box delivered. This is shown in attachments XXXX, and XXXX. The empty box is pictured in XXXX. 

XX/XX/XXXX-Called XXXX and attempted to get a refund after explaining the situation. 

XX/XX/XXXX-After the refund was declined from XXXX, I filed a dispute with XXXX XXXX XXXX, explaining the reason for dispute being that the product was not received. I realize that the package was delivered, but the contents I had paid for were missing. 

XXXX-Received a letter dated XX/XX/ ( shown attached in XX/XX/XXXX ), stating that the dispute was closed, and that they disagree with my claim ( which they clearly have no understanding of ). As a starter, they state that the order was shipped to an address in XXXX and was signed for. That's incorrect per the tracking details attached ( XXXX and XXXX ) which show that it was delivered to XXXX, NH. Although this is irrelevant in a sense because the problem was the XXXX  watches were missing from the box, it shows the unwillingness of XXXX XXXX XXXX to investigate critically in the matter, and the overlooking of blatant details in the dispute. 
They state that the order was placed via my email address. That is correct but has no relevancy here as the charges were authorized my myself ; the goods were simply missing from the delivered package. 

Based on their reasoning, it's fair to assume that they believe that the reason for dispute is that I am claiming that the charge was unauthorized. That is not the case, and I never said anything of the sort. The XXXX  watches were missing from the delivered box. Under the Fair Credit Billing Act, consumers are not liable for merchandise they ordered but never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16
Company: CITIBANK, N.A.
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
I open a citi credit card and used it 2 time and thier fraud department froze the card. I called them 3 times and it went nowhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2019-09-29
Company: SYNCHRONY FINANCIAL
State: MA
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:
Hard inquiry on my credit report from XXXX XXXX XXXX care credit. XXXX never applied for. Information is from XX/XX/2019

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 2018-01-12
Company: CDI Affiliated Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX is reporting on my credit and I have never received anything from them. The debt is paid and should have never went on my credit report. They never even notified me and I had no idea what this was for until it showed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 filing this complaint to TRANSUNION for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an XXXX report which I included here with report number XXXX for your reference and as proof of these inaccurate reporting.

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 2023-11-01
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I use the XXXX  Reward Me Visa credit card at XXXX  stations and at other non-fuel retail locations. The rewards program, and note the ad for the program on the two receipts copied with this complaint, states 15 cents off per gallon on XXXX  gas and percentage discounts at all other retail locations. 5 % non-fuel purchases, 3 % back on grocery, 3 % on dining, 1 % on everything else. I noticed that my receipts do not reflect the discount/credit so I called Customer Service XXXX On a recorded line their representative lied and told me the points/credits are made automatically when they are not received at the pump. In addition, my card now sometimes asks for an ID number which I do not have to enter. My statements show the credit or points are not being granted. I believe this is a theft from a credit card with approximately a 30 percent interest rate and the executives responsible should be prosecuted for false claims. It discounts are being received I assume they are being absorbed by the gas station because as the two I copied to you show none. A customer should not have to take time at the point of sale to confirm the rewards. WORSE STILL the pump at the XXXX  station in XXXX Michigan locked down on my credit card after demanding a rewards account code. I had to leave my card in the reach of other customers and go in to get a manager. The card was lose and open to theft upon our return. I had to guess how many gallons my car would take several times because the pump would not take the XXXX XXXX so station staff sometimes ran the card with a guess from me. The card charges I believe XXXX percent in trade for a benefit. My credit union charges XXXX percent interest without a reward. The XXXX  card is a defacto bait and switch given they do not honor its terms.

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 2017-10-24
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX- Hard Inquiry done without my authorization XX/XX/XXXX XXXX XXXX Hard inquiry  done without my authorization XX/XX/XXXX XXXX XXXXXXXX Hard Inquiry done without my authorization XX/XX/XXXX XXXX XXXX Hard Inquiry done without my authorization XX/XX/XXXX XXXX XXXX Hard Inquiry done without my autorization

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: EdFinancial Services
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My daughter is a XXXX XXXX student - so she is not required to make loan payments yet, but we try to make weekly payments so that she doesnt graduate with a lot of debt. For the first 2 years, everything was fine with EdFinancial. But recently they implemented a new system and all borrowers were supposed to have received notification by now re : how to get into the new system. We have not received anything. Over the past few weeks, I have spent hours on hold, have requested call backs, have emailed, and have tried to chat. I am unable to connect with a live person to simply find out how to get into the system. My understanding is that interest started accruing on XX/XX/XXXX. Seems very unethical, if not illegal, to be charging interest on a loan when its impossible for the borrower to make a payment.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-16
Company: EQUIFAX, INC.
State: TN
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 ; XXXX and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in 2018, I disputed this account directly with Portfolio Recovery Associates ( PRA ) and requested validation of this debt. Once I received validation and verified  this was a legitimate account, I made payment arrangements with their office to pay this account in full by making monthly payments. On my credit report, this account is reported as " Dispute resolved ; customer disagrees ''. I never once relayed to PRA that I disagreed with the final outcome of the dispute. I obviously did not disagree because I made payment arrangements and continue to make monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

Company 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 2023-06-27
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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