BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$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 non-monetary relief
Consumer complaint received 2023-09-21
Company: Activehours
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I am trying to close my account. Yet, while I owe them {$520.00} on XX/XX/XXXX, when I try to close my account through the app, it says I owe {$630.00}, which is entirely fabricated with NO basis. They continue to provide horrible customer service, refuse to be contacted via phone, and seems like they deliberately spend hours without solving any problems. Now they can't even get the amount owed correct. They should not be allowed to take advantage of vulnerable customers. 

Yet again, they wasted hours of my time through their chat feature and closed my written requests to correct this and pointed me back to their chat feature. There is no accountability and they have repeated broken their own policies and contract with me. And now, I want to close my account and they added an extra {$110.00} for NO REASON.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04
Company: Experian Information Solutions Inc.
State: CA
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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 non-monetary relief
Consumer complaint received 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 notified all three bureaus that 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 2022-01-06
Company: DISCOVER BANK
State: MI
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've been disputing a fraudulent account that has been reporting on my credit report. The company is Discover Credit Card {$3000.00}. A credit repair company provided me with the documents of this account. I immediately contacted XXXX to dispute this account. 

Spoke with the customer service representative and was told to contact Discover. I called Discover Fraud department and was told by them to provide them with documentation showing this account was not a account I opened. I submitted the police report, and affidavit of fraud and forgery that was notarized by my credit bank. I also sent them identity theft victim information sheet that I filed as well. 

This process has been ongoing with them. Discover sent me a letter in XX/XX/XXXX saying that after their investigation the account was opened in XX/XX/XXXX, and they provided an address that is not an address where I have lived. At that point I had my apartment complex provide Discover with a letter stating I have only lived at one address in the complex. And as of today XXXX and Discover are holding me against my rights to an account they have failed to prove I opened. 

According to FCRA 605B ( 15 U.S.C. 1681c-2 ) block of information from Identity theft. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency '' .... but this matter has been going on for years and XXXX nor Discover Credit Card has upheld this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX Credit Card As of XX/XX/XXXX XXXX XXXX has reported to all 3 credit bureaus that no payment has been made since XX/XX/XXXX When Payment ( ACH from a checking account ) were made in XX/XX/XXXX ; as well as on XX/XX/XXXX to the XXXX XXXX Account. 
Called and asked the company to remedy this within 10 business days or a complaint would be filed, the said go ahead and complain. 
Due to this false reporting my credit scores have each dropped in excess of 100 points, causing great injury to my credit health and my immediate financial future as a consumer.

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 2022-11-15
Company: EQUIFAX, 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 information incorrect

Complaint:
On my Equifax credit report there is a hard inquiry from XXXX XXXX. I at no time requested any credit products from XXXX XXXX and i want this hard inquiry removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: DISCOVER BANK
State: AZ
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:
I bought a ticket to XXXX through XXXX XXXX XXXX for XXXX XXXX XXXX it cost roughly XXXX. I used my Discover Credit Card this was in XX/XX/2020. During this time they instituted the XXXX ban and I was not able to go because of the restrictions. I wanted a refund since this was told to us all in advance. XXXX moths before my flight was even scheduled. I let XXXX XXXX XXXX know that I wanted my money back and they never gave me a credit. After waiting a year and run around I went to Discover Card to get my money back since XXXX XXXX XXXX was not allowing me. They gave me credit for my purchase and ensured me I wasnt going to be charged for a flight I never went on. Then a few months later after their investigation they charged me again for the ticket. This has since made my credit card go over my credit limit and I have had to put the account on a payment plan. How is it XXXX stuck paying this when I never went on this trip and it was canceled all together due to the COVID restriction not allowing any outsiders inside their XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This originated from XXXX. I tried calling to get verification from XXXX which they have closed the account and XXXX XXXX is the collection agency. I have never received any mail from midland I have just seen it show up on my credit report. I am recently divorced and the debt was awarded to my ex husband in the divorce. I do know the debt with XXXX was not {$2800.00} which midland states. when I called to give divorce paper work the guy told me they are suing me but yet ive never had any mail or anything about paying them at all. Even when calling XXXX I was told not to worry about it and to disregard. I do know they can not charge more for a debt than the original debt was its illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: REGIONS FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regions/Enerbank USA- is showing a late payment on my credit history. I Initially setup an ACH draft to pay this installment and have made over 20 successful payments. I recently was made aware that this account was reporting late to the credit bureaus. I never authorize this ach to stop, never contacted my financial institution to stop. When I contacted Regions/Enerbank USA I was informed that I selected to have the payments stop when I signed up which I did not do. The company says there is nothing that they could do. This not acceptable for me as I am business owner, and my credit history is extremely important. Once I learned my payments had stopped, I paid the account in full. I need this late payment removed from my credit history. But the company is unwilling to work with me and saying it is my mistake, but I do not agree and believe it was a system error on their end. The company said they tried to contact me but their info shows up as spam via mail and phone. As when I saw the attempt to reach out once look into my spam folder to validate.

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 2021-04-05
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent my XXXX payment on XX/XX/XXXX. When I got my statement for XXXX I paid the XXXX charge, but did not notice at first that they didn't credit my XXXX payment. I called and they dropped the late charges and all late fees. I have never been late so I called them to see why they didn't credit my account. They stated the XXXX rent was never received.. 
I did send a letter to Chase and asked that they look into this. They did but I got no satisfaction. 
Since they now had the XXXX payment I said apply it that to XXXX and I gave them access to my checking account to deduct the XXXX payment. I stopped [ payment on the XXXX check, and I do have evidence of that. 
I told them that they should not report me to the credit bureau as a late payment as the mails have been late. I got letters from the utility companies that payments were being received late and they understand and were not charging late fees and would not report it as late. 
I cant understand why they would report me to the credit bureau as I paid the bill when I spoke to them and when I found out it was late I took care of it. 
The mails were late and I feel 100 % justified in requesting that they not report me as delinquent. This may not seem like much but I am XXXX XXXX XXXX and I try very hard to keep my credit in good standing. When they reported me to the credit bureau my credit score went down from XXXX to the low XXXX 's. 
Since they dropped the late fee and since it is a fact that the post office was having issues delivering mail on time they should eliminate the delinquent notice to the credit bureaus. 
Can you descrimnate against me thinking that I cant do anything. I feel that they know that I am locked into this mortgage and I cant refinance with this on my record and my score dropping so low. This bank is charging an interest rate of 4.5 % and I am paying a premium for this mortgage and they have me stuck with this situation for no reason at all. I hope that you can help..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We had 2 mortgages in XXXX we did a loan modification and were lead to believe both mortgages were included However now specialized loan serving states they purchased my 2nd mortgage in XXXX and are now trying to foreclose on my property Ive been trying to work with them by doing a modification but they are asking for {$43000.00} down payment and in the middle of a pandemic I do not have that amount of money I dont want to lose my home I feel they will not work with me and most of the time they do not answer my requests for information I did receive a letter from them which I will enclose however none of the information is valid this company never requested a cash settlement

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 2020-12-04
Company: Fidelity National Information Services, Inc. (FNIS)
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear ChexSystems Consumer ID XXXX My bank has informed me that there is negative information reported by XXXX XXXX included in the file Chexsystems maintains under ( XXXX ). Upon ordering a copy of the report, I see an entry from this bank listing a NON-SUFFICIENT FUNDS of {$270.00} I do not recall having a debit card from this bank in XX/XX/XXXX. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this " debit card '' bearing my consumer wet-ink signature or E-signature stating my IP Address with Session, Time Stamp and Browser. In the absence of any such documentation stated above I ask that this information be immediately deleted from the file you maintain under my Social Security number. 

PLEASE REMOVE THE FOLLOWING INQUIRIES : You shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX i have no affiliation whatsoever with these addresses please delete immediately 1. XXXX XXXX XXXX XXXX XXXX, IA XXXX2. XXXX XXXX XXXX XXXX, IL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Best Regard 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 2020-07-17
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
THIS IS A NEW COMPLAINTAN DO NOT SEND ME THE SAME RESPONSE WITHOUT LOOKING AT THE ATTACHMENT TO THIS COMPLAINT YOU FRAUD COMPANY!!!! I have a loan with CCB/CHLDPLCE. I have always made my payments on time. For some reason, I realized that there are multiple late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I placed XXXX XXXXXXXX on my Childrens Place account and they were required to pay all billing while I was out on XXXX  leave for those 12 months. They failed me!! I tried contacting both XXXX XXXX, ALL THREE BUREAUS and CCB/CHLDPLCE with no successful resolution. There was definitely an error on their part. You guys are reporting late payments for all different months for each three credit bureaus which means it is INACCURATE and needs to be REMOVED IMMEDIATELY!!! You are trying to diminish my character and I am not happy about it! was never 30 days late XX/XX/XXXX, never 60 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days XX/XX/XXXX. THIS NEEDS TO BE REMOVED IMMEDIATELY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04
Company: Total Card, 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:
Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit  bureaus. 

The bank name is being reported differently on my credit reports : XXXX  ; XXXX XXXX XXXX with address as XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX : The XXXX XXXX XXXX with address as XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX/TOTAL CRD with address as XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  : current status is listed as Charged Off as bad debt XXXX : current status is listed as Charge Off XXXX  current status Acct transferred to another office XXXX : 30 day late XX/XX/2017 XXXX : 30 day late XX/XX/2017, XX/XX/2017 XXXX  : 60 day late XX/XX/2017 XXXX : 60 day late XXXX date of last activity : XXXX XX/XX/2017 XXXX  XX/XX/2017 Closed date of XX/XX/2017 is only being reported by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 and have previously made reports to my local police, FTC, Transunion, XXXX, XXXX  and Creditors on XX/XX/2019. I have placed Fraud Alerts and Credit Freezes on my reports in the past, but my credit file has continued to be breached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: CA
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 filing this report because I applied for the XXXX credit card today XX/XX/20 and I was denied because I guess there are accounts reflecting badly on my credit report. I got a copy of my report and when I was looking through it, I saw a few accounts that do not belong to me. The accounts are from these companies XXXX/XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX. I have never opened an account with any of these companies nor did I benefit anything from the accounts opened with those companies in my name without my permission such as money, goods, services or any other benefit nor did I contribute to any payments that were made towards these accounts.

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 2022-11-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I did not authorize and need to have them deleted, Please also update my personal information which is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 
( XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ) 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