BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I writing to request that any charge off and 60 day late for any of my closed 3 XXXX XXXX XXXX accounts be removed from all my credit reports. I know that XXXX XXXX XXXX and XXXX XXXX XXXX fall under the parent bank known as XXXX XXXX XXXX. I have called and disputed this several times. I dont get it why XXXX XXXX XXXX  is continues to report false information. XXXX XXXX XXXX need to take responsibility and please remove the charge off and 60 day late from XXXX, Transunion, and XXXX. Like I have explained before I called the XXXX XXXX XXXX at the time of all 3 were approaching a 30 day late since these accounts were all secured under certificate of deposits under my dads name. We informed XXXX XXXX XXXX to close the XXXX XXXX XXXX accounts take payment in full from the CDs. There never should have been any 60 day late and never should have been any account in charge off. Its not my fault XXXX XXXX XXXX did not follow instructions that they agreed to do so on. If there was a remaining balance at the time then we were not properly advised. I was not aware there was a remaining balance till I spoke with XXXX XXXX XXXX in XX/XX/2017 which has since been paid in full. I agree with at worst there being 30 day late. The letter that XXXX XXXX XXXX is referencing regarding my knowledge was regarding two  different checking accounts that I also had with XXXX XXXX XXXX   and has nothing to do with these 3 person loans and if wrong account number was references then that was typo. I will never do business with XXXX XXXX XXXX again or any of affiliates as they lie and mislead.

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 2021-04-06
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been an account holder of a XXXX/Citibank Visa for nearly 9 years. My credit limit has always been a steady XXXX - my account is current and presently has a XXXX balance. I have never received an account review, an increase ( or decrease ) in my steady limit. One week after I lodged a complaint against XXXX  due to inaccurate information on my report, and a consistently low and dragging score ( 60-70 points under all other major scores ), I received an email from Citibank notifying me that my credit limit has now been reduced from XXXX to XXXX. I called to lodge a complaint and was unable to remedy the situation. I have no idea why this action was taken as my credit scores previously were much lower than my current score, and no action was ever taken to decrease my credit limit. This impacts my available credit and potentially lowers all scores at all agencies.

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 2021-02-25
Company: Experian Information Solutions Inc.
State: OH
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 a little crazy because I have never heard about these accounts on my file. I have issues during the COVID -19 Pandemic with my information being compromised I have no ideal who of what theses account are : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX. I need these accounts removed/deleted asap. Please let me know what I need to do to see who is using my information.

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 2019-02-23
Company: Experian Information Solutions 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:
I pulled my credit report and found several accounts opened in my name that did not belong to me. On XX/XX/XXXX I sent a letter to Experian requesting validation of debts on my credit report ( XXXX XXXX, XXXX XXXX, XXXX XXXX, EXXXX, XXXX XXXX  and XXXX XXXX XXXX ). Experian received my request XX/XX/XXXX, but did not respond within 30 days or after. 
I sent a second letter on XX/XX/XXXX asking for the removal of all debts disputed considering there was not a response within 30 days of the return receipt. Experian received this letter XX/XX/XXXX and did not respond within 30 days yet again. However, I did receive an updated credit report with only half of the disputed accounts removed ( XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. 

I sent a third letter on XX/XX/XXXX asking for the removal of the remaining accounts considering they failed to respond to my disputes on XX/XX/XXXX and XX/XX/XXXX. Experian received this letter XX/XX/XXXX and sent me a response XX/XX/XXXX stating, ..items disputed were verified as accurate. I also sent a dispute letter, XX/XX/XXXX to XX/XX/XXXX, to the remaining collection companies ( XXXX XXXX, XXXX XXXX and XXXX XXXX ). I did not receive a response from the collection companies nor did I receive any valid proof that the accounts were opened with my authorization. 

Experian received a fourth letter from me, XX/XX/XXXX requesting a signed copy of any original documentation ( a consumer contract with my signature ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). I also stated that they failed to provide me the method of verification as required under Section 611 ( a ) ( 7 ). According to Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to ..promptly delete all information which can not be verified. They sent me a letter stating, " ..items were verified as accurate. '' I am entitled to have a copy of the signed contracts authorizing my consent under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. If there is no viable proof that I opened the unverified accounts, signed a contract, and could not get proof from either the Credit Agency ( Experian ) or the Debt Collectors then all of the disputed accounts should be deleted immediately from my file. Since XX/XX/XXXX I have not been given any proof of how their investigation was conducted or completed which is a violation of Section 611 ( a ) ( 7 ). My request for reasonable documentation, confirming my authorization to open the account  with my signature, is warranted and not unreasonable.

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 2019-02-24
Company: Bay Area Receivables, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Bay Area Receivables is a collection agency from the State of Maryland who is reporting two collection accounts on my credit report with XXXX and XXXX. I am a resident of the state of Colorado. I sent a request to both credit bureaus in XX/XX/2018 and to the company at the same time asking to validate this debt. To this date I have not received a response from the credit bureau or the collection agency. Subsequently, I discovered that Bay Area Receivables is not a licensed collection agency in the State of Colorado. The address for Bay Area Receivables is XXXX XXXX XXXX XXXX, XXXX MD XXXX, telephone number is XXXX. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: WELLS FARGO & COMPANY
State: OH
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:
Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or  the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.

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 2021-04-06
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is reporting multiple debts on my credit report. Ive sent a certified mailed letter asking the company to verify the debts and I have not received a response. 

The debt verification letter was sent XX/XX/2021 And received XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Amsher Collection Services, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As I reviewed my credit report, I noticed that there is an inaccurate late payment information and its really hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: Experian Information Solutions Inc.
State: MO
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 disputing the following accounts once again, cause when I disputed them before the credit agencies ignored my request by not explaining to me how they derived to responding by saying accounts verified. Verified by whom there's no possible legal investigated way that these accounts was legally verified. Please send me any all of your verification process, if not and in concert with the FCRA laws these following accounts shall be blocked. 
1. XXXX XXXX XXXX {$3200.00} 2. XXXX XXXX XXXX {$0.00} 3. XXXX XXXX {$1300.00} 4. XXXX XXXX XXXX {$640.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: MS
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: 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 explanation
Consumer complaint received 2017-09-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My XXXX XXXX XXXX credit card XXXX XXXX Statement said that I needed to pay {$200.00} in order to avoid the deferred interest on my account. 

I paid {$210.00} on XXXX XXXX. My due date was XXXX XXXX. 

The company distributed my payment between three different balances, but nowhere in the statement, nor in the terms and conditions, was this business practice explained. 

I am therefore filing complaint for lack of transparency in the company 's method for allocating payments. In most credit cards, all transactions are added together and the minimum payment amount applies to the entire account, not individual transactions. I thought that I was paying both the minimum payment and the remaining balance on my transaction whose promotional period ended on XXXX I have consistently paid in excess of my monthly minimums. If the amount needed to pay off my expiring balance was clearly and transparently stated, I would have provided a large enough payment on XXXX XXXX to pay off the balance. 

I now have {$510.00} of interest charged to my account although my remaining balance was less than {$30.00}. 

I called the company and was told to formally file a complaint since the line manager does not have authority to reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Inaccurate Inquiries on Credit Report XXXX  ( Finance ) XX/XX/2022 XXXX  XXXX XXXX  ( Bank ) XX/XX/2022 XXXX ( Finance ) XX/XX/2022 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 2023-01-04
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
Wrong address reporting on my file. Please remove ALL address that is not correct. I have uploaded my driver 's license for proof of address. I have tried to have this removed from XXXX, Equifax, and XXXX and it has not been done. This is going on for 2 years now off and on. 

Please remove ALL names that are incorrect. I have uploaded my driver 's license for proof of address. I have tried to have this removed from XXXX, Equifax, and XXXX and it has not been done. This is going on for 2 years now off and on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a complaint through CFPB about a questionable charge and late charge on my credit card from XX/XX/XXXX which prompted a response back from Citigroup on XX/XX/XXXX. The person contacted advised me they could not make a goodwill adjustment with no explanation as to why. 

For more detail, on XX/XX/XXXX, I faxed over a request to Citigroup for a goodwill adjustment to my credit score for late charges related to a past due charge from XX/XX/XXXX. The amount was for {$100.00} which I didn't make to some foreign company. 

Ultimately, I was not aware of this charge until an email notification came in on XX/XX/XXXX. I had no idea this charge was pending otherwise I would have handled immediately as I have with all other purchases. Once the email came in, payment was processed the same day and I have not had any other late payment notifications on this account which I have had since XX/XX/XXXX. I have also continued making all payments on time since XX/XX/XXXX. 

I have recently looked into taking on a mortgage to own a house and noticed that this late charge is the sole driver having a negative impact on my credit report/score. As I mentioned in my complaint, given I have been a member of Citigroup since XX/XX/XXXX ( 7 years ) and my payment history before and after this late charge has been timely, I am reaching out to request a possible goodwill adjustment to remove this late payment notification for the credit bureaus and repair my current credit score. 

To date and with exception of the call in XX/XX/XXXX, my experience with Citigroup has been very positive and Im very appreciative of the support and services so far. I'm hoping this can be resolved and I can continue my regular and timely use of services from Citigroup.

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 2019-02-24
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX i spoke with a total of 9 representatives from Discover on trying to seek an answer. The departments they were from was Account Managers and Account Opening Specialists continuing to bounce myself back and forth. I am trying to figure out if my husband and i are permanently blacklisted from ever having another Discover card again. 

My husband and I both had Discover cards in XXXX which were closed back in XX/XX/XXXX if i recall correctly, by Discover. Per a rep i was advised our accounts are marked as " Revoked/Closed. '' My husband has a XXXX balance with 100 % payments with Discover. Only remark is " Account closed by XXXX XXXX. '' I am in a similar boat only difference is i am still paying my balance off but 100 % payments made with every lender including Discover.

Any time one of us tries to apply with Discover or attempts a Pre-Qualification we receive the same denial reason " Unable to offer due to existing or prior relationship with Discover. '' I have spoken to quite a few reps and spent quite a bit of time trying to figure out an answer but can't receive a definitive answer. Are we both blacklisted from Discover now because our accounts were closed by Discover? One rep suggested applying in 7 years since thats when bad remarks fall of credit reports. However our Discover accounts never went to collections, never missed payments, weren't charged off. Just closed and either paid off or currently paying off. I called again and asked how long Discover keeps the " Revoked/Closed '' Status in their system and was advised its permanent. Essentially my understanding is we will never be able to obtain a Discover card again if i am understanding correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 disputing the following accounts once again, cause when I disputed them before the credit agencies ignored my request by not explaining to me how they derived to responding by saying accounts verified. Verified by whom there's no possible legal investigated way that these accounts was legally verified. Please send me any all of your verification process, if not and in concert with the FCRA laws these following accounts shall be blocked. 
1. XXXX XXXX XXXX {$3200.00} 2. XXXX XXXX XXXX {$0.00} 3. XXXX XXXX {$1300.00} 4. XXXX XXXX XXXX {$640.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
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:
I have been through the process of buying a home for the past 3 months since XX/XX/XXXX. My lender had me call equifax in XX/XX/2019 and dispute an item that didnt belong to me. Well I did and some guy there disputed everything on my credit instead of just the 1 item which was a medical bill. Ive been trying to correct his mistake for the past 3 months. Everytime I think theyre about to fix something theyve messed something else up. My credit has been punished by their mistakes and Im suffering for this. I have kids and a fianc depending on me. My credit is being ruined by this company!!! Im scared they have put my family and I in a position that could ruin our lives!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been charged late fees when I made payments on time. I was told they were after the cut-off time of XXXX, but that is incorrect. Both payments were made at XXXX on the due date of XX/XX/2019 and XX/XX/2019. I did not receive any email confirmations ( but do receive my email notice for my statements ). I have made attempts to resolve this, but was treated poorly by customer service.

Company response to consumer: Closed with monetary relief