BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-04
Company: ABSOLUTE CREDIT  LLC
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:
Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I have multiple names on my report that are not mine. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00} XXXX XXXX CO, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$32.00} RESOLVE XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX ; XXXX and Transunion are falsely reporting late on the DEPT OF ED/XXXX and DEPT ED/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 4 and 5 of the attached credit report. My child was a student in XXXX, XXXX and these student loans should have been deferred. Please remove these line items from my credit report. This incorrect reporting is harming my credit score.

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 2020-07-21
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: Account information incorrect

Complaint:
On XX/XX/2020 I got a notification that my account with enhanced recovery was updated to settled in full and at a XXXX balance then on XX/XX/2020 I got another update that transunion added it back. They are telling me they never updated it to paid and because XXXX XXXX is a third party they dont have anything to do with what they update. Problem is XXXX XXXX gets the information from transunion and it wasnt just XXXX XXXX it was on myFICO as well as XXXX XXXX and XXXX XXXX and a few other apps that get information from transunion. How could all of these apps get information from the same source and transunion say they never received it. How can this happen with my XXXX XXXX account as well as XXXX. And get transunion is not taking responsibility for the errors that they are reporting after they already showed that I paid these companies. I am trying my best to pay off my debts and get my credit in order and they literally just made myFICO score drop 44 points because something is wrong with there system.

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 2023-06-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 


Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Please see the attached documents. A phone call from someone claiming to represent Bank of America contacted XXXX XXXX on the evening of XX/XX/XXXX. She was fraudulently convinced to supply information which allowed a transfer via XXXX from her checking account in the amount of {$3400.00}. Bank of America was notified via a phone call the next day, XX/XX/XXXX. Bank of America issued the denial letter attached dated XX/XX/XXXX. On XX/XX/XXXX, a letter ( attached ) was sent to Bank of America indicating the transaction was fraudulent and is covered by the Electronic Fund Transfer Act. No response has been received from Bank of America. 

I am sending this in hopes you can further pursue the matter. 

Respectfully, XXXX XXXX ( daughter of XXXX XXXX ) I am a signature on the checking account at Bank of America.

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 2018-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a new number less that a week. Capital one keeps calling for someone else. I have advised them 5 x since last Thursday to stop calling as I do not know that person, this morning they called again, I once again advised them to stop calling..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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've gone through the accounts and collections displayed on my credit and I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these items from my credit report immediately as this is poor judgement on my credit worthiness.Attached is my Identity theft report.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have submitted numerous request for investigation for accounts reporting on my credit file that are erroneous and I have not received any mail or seen comments that show evidence that my requests have been acted upon. Please help me remedy this issue.

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 2022-11-16
Company: Uplift, Inc
State: NV
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 found account on my XXXX credit report that was opened around XXXX months ago. That do not belong to me. Account belong to UpLift llc. It is line of credit for about XXXX. That somebody is using it and make regular payments. I dont understand how this company could open account without hard inquiry on my credit? I noticed this account by accident. I contacted XXXX to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the account listed below still remains on my credit report in violation of Federal Law. Transunion has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the Transunion has investigated properly before posting derogatory information. 

( XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: OK
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Checkr, Inc
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My back ground report is out dated and I asked the company to make these corrections and XXXX received the same 7 year old report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Two of my credit cards through Citi have flex loan offers which make up the bulk of my current balance. Recently my credit limit has gone down twice and it doesnt make sense with it being a loan not regular credit. This creates a cycle of bad credit because now my utilization is even higher, rates go up, which makes payments harder. I have not missed a single payment and have been a loyal customer for 4 years and in my 12 years of having ccs Ive paid all balances off, always. When I tried to resolve the issue I was on the phone for hours, was hung up on THREE times and finally the supervisor said there was nothing they could do and simply ignored me when I asked if it was normal to get hung up on so many times. I read others reviews after this phone call and this company is doing the same thing to many other people. its extremely hard to understand their employees on the phone- they often say they dont understand you ( the customer ) in turn getting their way in the conversation. 4 years Ive dealt with not understanding the person on the other line and was even accused by a supervisor once that I was a fraudulent customer. 
I get how cc companies work but in these hard times, I have lost my job, inflation, and all Im asking is that my credit limit be what it was, so my utilization looks good and helps me pay off debt rather than hindering me. This is a seemingly small, yet huge problem for me and Im sure many other people. Where is the heart?

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 2018-09-04
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I monitor my credit constantly. On XX/XX/XXXX I sent a letter of validation to a company called XXXX XXXX XXXX in XXXX, LA asking them to prove me with proof that I have a debt with the company. They send me a piece of paper with my name typed and a dollar amount stating I owe money. I have no acknowledgement of this account. I asked the company to provide me with documentation indication I agreed to pay money, proof of acquisition, and ask that the account be removed from my credit. The account was removed from XXXX  but not XXXX or 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 2017-12-20
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I obtained a used car loan with TD Auto Finance and was a cosigner for my husband. He became XXXX and could not work anymore, so we asked TD Auto to consider lowering the payments or any other financial assistance for the hardship. They advised that there were n't any options available and the only thing we could do is refinance, which was not an option due to behind payments. At that time we agreed to voluntarily surrender the vehicle. Few months later received a large {$19000.00} bill for the deficiency balance and letters from their attorneys. This company charged very high interest rate on the car loan and were not considerate of the financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX I opened a dispute with Bank of America on a payment I made online with my checking XXXX XXXX, XXXX to the Ma XXXX XXXX XXXX my payment of {$320.00} for dental insure was to be made by XXXX XXXX, XXXX. For some reason the XXXX XXXX had been cancelled on XXXX, XXXX and the customer service dept XXXX was unable to fix it. I told the XXXX XXXX that I needed a refund if my insurance was cancelled and my payment was for XXXX and XXXX they said to file a dispute with my bank. Which I did on XXXX XXXX Bank Of America gave me a refund of {$320.00}. They said an Affidavit would be mailed to me in the next week and that I needed to fill it out and send it back which I did the first week of XXXX to XXXX. O XXXX XXXX I had a message on my phone saying they had not received my paper work yet. I called the claims department at XXXX pm I was on the phone with a lady in claims she said it would be best to have her fax the page to me and for me to fill it out again and fax it back which I did to XXXX I used my access line with XXXX I had a copy of the fax and it says received.I was told the claim was all set as long as the merchant did not dispute my claim which they did not they had given me a reference number XXXX that would pull up the credit. On XXXX XXXX I got an email notification that my account was over drawn by {$400.00}. I thought we were victims of fraud but I was told that they took back my credit of {$320.00} because I did not send back the affidavit which I had done over a month ago. XXXX in the Claims department was rude told me too bad its done and that they do Not ever reopen an investigation that it was my fault?? I told him I had proof and could sent them the fax report he kept arguing with me I demand a Manger and was transferred to XXXX he asked me to fax the affidavit to him directly at XXXX which I did as soon as he re faxed the paper to me. XXXX told me to call back Wednesday XXXX XXXX. I did at the number he gave of XXXX turns out to be a general number for the claims department. I spoke to a XXXX and she said they ca n't help because I have still not faxed the affidavit back? I told her the number XXXX gave me and she said that it was wrong had no idea where he got that she said to fax it to XXXX which I did. Meanwhile that bank has returned XXXX automatic payments from my account and bounced 11 items from XXXX XXXX. It 's XXXX am and I have spoke to two supposedly mangers at B Of A claims and they are claiming that I have not faxed them yet and when they received my fax it will take them two days to look at it i the meantime they said I will continue to have bounced fees. XXXX in XXXX said she is just an account Manger and unable to assist me.

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 2023-01-09
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: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX ( 2 year payment history ), and XX/XX/XXXX this account is re aged.they are reporting 2 different credit amounts {$2200.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Everyday i receive multiple calls about an account that is in dispute due violation of the FCRA regulations and compliance Conns apps calls my personal and cell and landline phone everyday at least XXXX time ever hour until almost XXXX at least 6 days out of the week i have asked them to Cease and desist on multiple occasions and they have not which is has now caused a negative impact on my job I have asked them on countless times to cease and desist all communication and they continue to Call personal phone my work cell my work phone Email and other members of my family and they call from multiple numbers this is pure harassment tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Dear Sir/ Madam, Please find attached some documents regarding my complaint. 
I have had an account with Comenity Capital Bank for several years and have always made my payments on time. This card offers interest free loans for certain number of months for dental work that is not covered by the insurance. I had some dental work about almost {$3000.00} at the beginning of XXXX ( not sure of exact date ). The credit card company had my account as paperless and just sending me reminder emails for my payment. As you can see I have always paid over and the minimum payment thinking I would pay it off on time. If the loan was promotional and only for so many months, an honest organization would divide the amount by the number of promotional months and show that as the minimum payment. But this organization had some strange calculation of minimum payment which was a different amount every month. I kept making my {$150.00} payments and according to my calculations it should have been paid for this XXXX of XXXX. I call customer service and to my surprise found that the promotional time was up in XXXX of XXXX and they charged me over {$1200.00} in interest and when you see the transaction document now they are charging interest on interest. If they have send me a reminder in XXXX to either pay this amount or we will charge interest from the beginning I would have paid it instantly. But they were hoping for me to pass that date so they could collect interest dollars. I am XXXX XXXX XXXX, taking care of my XXXX  XXXX son and dont have time to read every fine print. I emailed the company on XX/XX/XXXX and followed up on XX/XX/XXXX with no response. 

I hope you can see the unfair practice of this company and help me with this situation., Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Cell XXXX

Company response to consumer: Closed with explanation