BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Attempted to obtain my yearly free credit report from Experian, was unable. I had no issues obtaining my report from both XXXX and XXXX. In fact, Experian mailed me my last copy of my credit report to the same address as I have now on XX/XX/2017 under report XXXX. Agency should not be able to " pick and choose '' as to when they want someone to jump through hurdles of mailing identifying information through the mail in order to obtain the report for which I am entitled to. 

I do not have any fraud alerts on my 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 non-monetary relief
Consumer complaint received 2018-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 live in a building where there are code violations the was determined by the City of XXXX. The current board does not response to your request or calls when it comes to the repair of their portion of the repairs. They constantly place their responsibility off on the tenants. Most of the tenants are aware of this so we have held our assessment fees. Because we have have held our assessment fees the XXXX XXXX for the building have sued people in the building and placed a lock out on the door. The XXXX XXXX changed the locks on the entry doors and my apartment door. I was called at work on XX/XX/2018, and was told that if I did not pay the {$5700.00} owed they i would not be able to enter the premises. I left work and had a friend of mine to get the money and pay the bill on my behalf. I was advised by my friend that he was not allowed to make the payment and that I had to pay the bill in person. So, I paid the bill in full but it shows that the bill is past due on my credit report. I have tried repeatedly to get a release of debt from the XXXX XXXX, the building manger, and the Attorney but they are not returning my calls. I would like to get a release of debt and for the XXXX XXXX to clear my credit and show the debt paid in full.

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 2020-08-20
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called Citi Bank about a fraudulent account opened in my name and asked it to be removed completely from my credit report. They did not remove it. They placed a XXXX  balance on the account and wrote a note saying the account was closed by my request. I did not ask them to close out the account. I asked them to REMOVE the false information that was wrongfully placed on my credit score. I stated to them this was a fraud.

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 2018-11-29
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:
TransUnion indicated an 'alert ' message on one of my credit cards showing my Credit Score had gone down. In reviewing my credit report from TransUnion on XX/XX/2018 I noted a report called XXXX XXXX # XXXX with a balance and delinquent charge of {$47.00}. 
I have no idea what this is about nor have I received any information from XXXX XXXX. 

This account must belong to someone else or my own account has been hacked. Please help me to resolve this issue. Thanks so much. Let me know what I need to do.

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 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2018 this letter was sent to Transunion and received via certified mail on XX/XX/2018. The first sentence on the attached document stated THIS IS NOT A DISPUTE however Transunion used this document for a unrequested dispute that Transunion verified as accurate information instead of a request for Method of verification. As of this day XX/XX/2018. I have NOT received the requested information and Transunion continues to verify the XXXX account # XXXX as accurate without providing copies of contracts bearing my signature or the information of the contacts they spoke to that continue verifying this inaccurate information. This is evidence that Transunion is violating guidelines of the FCRA in fair reporting. Please consider all the complaints about Transunions unfair reporting and consider class action legal action on consumers behalf.

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 2019-02-18
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: Investigation took more than 30 days

Complaint:
XXXX XXXX refuses do conduct an investigation. XXXX XXXX representive would rather dispute my complaint over fixing my credit report. 

XXXX XXXX IS currently reporting inaccurate information on my credit report. On XXXX XXXX   and Trans Union it shows reporting that my last date of payment was XX/XX/2016. 

XXXX XXXX also reports that I was late XX/XX//2016. When speaking to the person responding to my complaint he/she states In summary, your account became 30 or more days delinquent in XXXX 2016 and was never brought current. 

This person responding to the complaint states that I am not factual but proves my complaint valid with the statement above. I have been disputing a number of inaccuracies but like the repersentive above said I first late on XX/XX/2016. 

So this INDEED MEANS the First date of delinquent was XX/XX/2016 and NOT XX/XX//2016. 

While the repersentive is attempting to school me heres what he/she said as well First, your date of first delinquency is XX/XX/ 2016. Our records reflect that the account was due for the XX/XX/20/16 payment which was paid on XX/XX/2016. 

Then sends me an account paying history statement that I will attach. 

XXXX XXXX OWN statement shows the following. 
The rep states my due date was XXXX Due XX/XX//2016 Payment XXXX/XXXX/16 Due XX/XX/2016 Payment XXXX/XXXX/16 How can I be 30 days late? Based on your own statements it shows youre violating my rights! While, protesting against my complaints instead of doing an investigation. 

XXXX XXXX reports on all credit reports that I am 30 days late XX/XX//2016 and my first date of delinquent was XX/XX//2016. 

I get back in 2016 that I made mistakes but this erroneous reporting and going back in fourth instead of an investigation proves XXXX XXXX has some malicious intent to keep inaccurate information on my credit report. This is vindictive credit reporting If a Definition was needed. 

Again, there are 3 reasons this account needs to be removed! 

1. I WAS NOT late XX/XX/2016 2. XX/XX//2016 was not the first date I was delinquent 3. This account should not CURRENTLY be reporting as a charge off. As this debt was dismissed in Bankupcy court. 
4. 76 month Terms reporting on a closed account

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 2020-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi and how are you? Listen, I've disputed this account before with XXXX XXXX XXXX and they removed it base on the errors and violations and that i don't owed the debt. How did you get this? Because, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please  evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged  contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On the update of the previous dispute from equifax responded ( If your dispute involves a public record item, Equifax contacts a third party vendor to obtain the most recent status of the public record ). 
Which already violated the FCRA 609 ( A ) 2 Disclosures to consumers [ 15 U.S.C. 1681g ] We requested how was this bankruptcy was being verified and the credit bureau were un able to provide it the bankruptcy must be deleted. The credit reporting agency must disclose the source of this information according to this particular statue. 
we strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

Lastly we had followed through with the court to confirm about this item and according to FCRA Sec. 611. ( 6 ) ( B ) ( iiii ) Regarding procedures and results of reinvestigation states ... ( iii ) A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; In which we already confirmed it with the furnisher in the previous step for they do not directly supply this information to credit agencies or third parties so basically if the credit reporting agencies are stating that they verified the information with the courts or third party then the credit bureau are providing misleading information and according to these particular statues they would need to delete the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am having this XXXX XXXX store credit card since XXXX. 
Any time I try to create the online account for this credit card - I am unsuccessful. It's very limited time when there customer service. For the last 4 years - I have to always pay the card via telephone. 
XXXX XXXX is doing it deliberately so that I can miss the payment and then they can extract higher interest rate from me. 
I never receive the paper statements also. 

I talked to XXXX at XXXX XXXX ( XX/XX/XXXX ) at the phone # XXXX to make the payment via phone. I am not comfortable doing the payment over the phone where i need to reveal my bank account number.

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 2020-02-03
Company: STERLING JEWELERS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company took my financial info and used it against me during a time of identity theft. I made them aware that this debt is not valid. They have shown not proof or validation of the debt. I want this garbage removed and deleted immediately from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been penalized by PayPal after an error occurred during online transaction between PayPal and XXXX that prevented the transaction from completing. XXXX & XXXX was force to cancel the order and refund me the {$520.00} dollars. However, once the cancellation executed, Paypal released and processed the transaction taking the {$520.00} from my checking account even though XXXX & XXXX had cancelled the order. Paypal has applied a " pending '' credit to my account but has been holding my money for over 3 days. The transaction took place on XX/XX/XXXX, the cancellation was XX/XX/XXXX, the Paypal debt took place XX/XX/XXXX, my bank processed the withdrawal on XX/XX/XXXX. I was told that the funds were being held because my bank had not processed the transaction. I was able to prove that the bank had cleared the transaction. However the Paypal contact said that even though they had gotten the money from me, they could not release my credit because the system was automated and could not be changed to free up the money sooner. I am still our {$520.00} and I have no products from XXXX & XXXX. All I got was a call explaining that it was too bad, but nothing could be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent out a 609 letter to XXXX XXXX XXXX to validate the alleged debt i owe XX/XX/2018 via USPS certified mail they received it on XX/XX/2018 at XXXX they responded back in between XX/XX/2018 to XX/XX/2018 with alleged validated debt information back dated to XX/XX/2018. the information is incorrect and not valid debt due to is not showing sufficient enough information to prove the debt indeed belongs to me. it just shows a bill from the original medical provider that i never rendered services from. please help me correct this and hopes of getting this settled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
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: Account information incorrect

Complaint:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-11-29
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquiries regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also, future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Oh XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I need XXXX XXXX, XXXX, and XXXX XXXX to OPT OUT my name and information from all their products and remove the inaccurate information. I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute.

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 2020-08-19
Company: EQUIFAX, INC.
State: CT
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 decided to get my credit pulled for a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I saw my report I was caught off guard on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these unknown items from my report : XXXX. XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: SYNCHRONY FINANCIAL
State: TX
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:
Made a purchase on the Synchrony Bank with a merchant for some auto parts, after the merchant failed to deliver the parts as promised, I cancelled the order and notified Synchrony Bank to which they placed the item in dispute.

The merchant then sent parts, the wrong parts of course and stated he sent them, told the merchant the order had been cancelled, they were the wrong parts and I purchased the parts directly from the dealer.

Synchrony bank returned the money to the merchant despite the merchant admitting he got the parts back and said he would refund the money that day and he did not and clearly never intended to do so.

Synchrony Bank incorrectly refunded the money to the merchant and is penalizing the me the customer despite the facts that the merchant sent the wrong parts AFTER they were cancelled and got the parts back.

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 2018-11-29
Company: Specialized Loan Servicing Holdings LLC
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: Account information incorrect

Complaint:
My mortgagee " XXXX XXXXXXXX XXXX '' - SLS, was notified in writing by me that my balance was incorrectly increased from $ XXXX to $ XXXX, and that my payment history was incorrectly reported from XX/XX/XXXX to XX/XX/XXXX by showing I was 150+ days delinquent. Received letter from SLS, after filing dispute with XXXX of Colorado, that they made a mistake, and all payments were " Paid as agreed. 
My credit report was never corrected by SLS as of XX/XX/XXXX. 

Needs correcting to remove negatives scoring on my FICO reports for both XXXX  and 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