BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX claim I owe XXXX debt. Under USC 1681 I [ 5 ] and USC 1682 S-2 according to the FCRA everything must complete and accurate. Also under the 15 USC 1681 A [ 2 ] I didn't give written permission for the account to be furnished on my credit report. I haven't been provided no original consumer contract or documentation with my signature on it stated in FCRA 609 ( a ) ( 1 ) ( A ). Furthermore the method of verification has yet to be provided under FCRA Section 611 ( 5 ) ( A ). Please remove account immediately or legal actions will be taken.

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 2023-04-04
Company: Bread Financial Holdings, Inc.
State: CT
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 creditors have violated my rights.

15USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 second 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos
e.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After years of being a " good cutomer '' at Citizens Bank, they elected to terminate our business relationship. This included my wife 's business account ( a nonprofit ), her individual account, our joint account and a joint account with my son. This is done by sending a letter that looks like the rest of their junk mail and being given a week to clear my accounts. They said that the decision was permanent and final. They also said that they did not intend to give the reason. My credit scores are excellent and I have never been deliquent.They erased my bill paying functions and I have lost all records of recent transactions, including those they they decided to no honor. 
My funds are now frozen. They offer no explanations. 
This may be legal, but, certainly, not ethical. 
I suspect that this was triggerred by my wife 's nonprofit organization ( XXXX XXXX XXXX ) works in XXXX where they help with the education of children orphaned by XXXX through microluans to the familis and by direct educational support ( XXXX ). Funds are periodically wired to XXXX. Nevertheless, the operations are quite transparent. If this is the case, then they are guilty of a sloppy investigation. So, it must be something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: FL
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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-09-24
Company: ERC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Call from XXXX every morning on my cell phone, only XXXX ring. Based on XXXX they always only leave XXXX ring. It appears to be debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: NV
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 am writing in regard to XXXX Secured Credit account ending in XXXX opened in XX/XX/2020. Despite having made timely payments during the last four moths, neither XXXX or its parent company XXXX XXXX, XXXX. have reported this information to credit bureaus. The ONLY information reported to Experian appears to reflect that my account is in " dispute '' status. I have telephoned both XXXX and Experian directly to inquire about this 'anomaly '. Both remain unable to provide a logical explanation for this on-going issue. Both companies seem content with 'passing the buck ' or blaming the other while suggesting that I contact them. 

To date, this issue remains unresolved. 

I opened this secured line of credit and agreed to pay the exorbitant fees and interest rates required by this financial institution with the expectation that information about my credit usage/activity/payments would be reported to the major credit bureaus every month. According to Experian and Experian.com this has not been happening.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX BANK acct # XXXX. the Credit reporting agencies are reporting this account inaccurately. I've reached out multiple times. they are breaking federal law. According to 15 u.s.c. 1681a ( 2 ) ( b ). it clearly states the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

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 2023-05-17
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a XXXX XXXX Saving account in XX/XX/2023 under the " Citi Accelerate Savings Leveled Bonus Offer '' I received an email from CitiBank on XXXX titled " XXXX, Congratulations on enrolling in the Citi Accelerate Savings Leveled Bonus Offer '' The stipulations for receiving the {$450.00} bonus were as follows : " As a reminder, to receive a Cash Bonus : Deposit New-to-Citibank Funds into your new Citi Accelerate Savings Account within 20 days of account opening. The balance on the 20th calendar day after you open your account will determine your maximum Cash Bonus. * Maintain the required Minimum Balance in your eligible account ( s ) every day for 60 days from the 21st day after account opening. * " I deposited {$50000.00} as soon as I opened my account. The money has stayed in the account now for 104 days. I have fulfilled the bonus requirements. 

I called CitiBank and they claim my account does not have a promotion attached to it. They claim they do not have an email address for me to forward my evidence to. 

I demand they pay me the bonus that I signed up for.

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 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2020, I sent XXXX, XXXX, and Transunion a letter stating that there are inaccuracies on my credit report. Ive requested these items be removed from the creditors.I am a victim of identity theft and these accounts are associated with the case. I have not heard back from them.There are Multiple Student loan accounts on my credit report that are not mine.They are required to give me a response within 30 days and they have failed to do so.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: VA
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've contacted Experian in regards to 5-6 addresses on file that do not match where i live. They refused to open a dispute on the addresses until i contacted specific financial institutions. They are essentially working together with banks to blackmail people into destroying their own credit by verifying debt inadvertently.

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 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company is showing a medical account XXXX XXXX {$320.00} which is a HIPPA Violation.

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 2020-09-09
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I signed up for a XXXX  XXXX  XXXX   credit card back in XXXX  XXXX for and was adversities as 0 percent no interest credit card until balance is paid in full. Online they made you sign up for the card and setup auto pay and everything but never remember agreeing to a service where I am charged XXXX fro every XXXX dollars charged for a card security fee. for over a year they have been charging me plus interest. total sum of more then XXXX dollars on a XXXX purchase and we only used the card to make one purchase the bed at 0 percent. I checked my statement for the first time to see how much my balance was and we noticed this charge coming up every month plus interest. the customer service rep informs me when I sign up for the application I automatically enroll in this program and need to contact them to cancel. 

First I never even knew I was signing up for a service or agreed to something like that and the sales rep at the store never mentioned anything about a service fee if you sign up to have your bed financed If I knew it would cost that much extra I would of just paid in cash in full. 

The. company is.refusing to round my account for any of it because I agreed to the fees when I signed up for their 0 percent financing because something on the application was check marked saying I agreed to it.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 : XXXXXXXX XXXX  XXXX # XXXX balance {$410.00} Account name : XXXX XXXX balance {$1100.00} Account name : XXXX balance {$60.00} XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) 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 explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.S 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-21
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:
XXXX, TRANSUNION, AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS. 

COMPANY NAME : XXXX XXXX XXXX ACCOUNT # : XXXX -- -> {$1800.00}

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 2018-07-27
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, Infiniti financial is one of the most chaotic and most unprofessional financial services company Ive ever did business with. Unfair business practices and no regards for the customer. 

I had applied for Covid-19 program for assistance in XXXX. It was approved rather quick and back then everything was fine. They never fully and clearly communicated to me that to apply for an extension there is a 30 day waiting period. 

This means that when I applied I was technically already delinquent in their system. Multiple rounds of calls and I find out the extension wasnt even filled to begin with. Now Im 40 something days past due in their system. Not because I dont want to pay but because they messed up and they will not stop the clock on me. They keep it running. 

XX/XX/XXXX I finally get confirmation its filled but needs to wait 30 days. By this time Im already 30 days past due. Meaning by the time they apply anything ( if they do ) Ill be 60 days or more past due. 

Escalated to management who still have no empathy or compassion for their customers. Super hard to get a hold of them. And they resolve nothing. They wont call you back and when you try to call them back or course they are never available. 

So where does this leave me. In a space where Ive fallen behind and cant ever catch up because they will not help and continue to fully enforce policy 1000 % strong. 

I did everything required of me. I agreed to terms and conditions I asked for it and they messed up and kept lying to my face saying its filled when it wasnt. I filled out a second agreement. 

I was harassed multiple times by them and for what? Asking for assistance? 

So now I have a state consumer protection compliant against them. I have a XXXX   compliant against them. Im filing this compliant against them and will keep pushing relentlessly back at them for unfair hostile treatment of a consumer just looking for help. 

They do not honor their assistance programs. And they pull fast trickery over your eyes to make sure they put you in the worst place possible. This is unprofessional unethical and could very well be illegal. If it gets to the points these complaints go unanswered I will file a law suit as my last resort. And I wont stop until Infiniti financial stops these XXXX business practices and actually help their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: IN
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 case of ID Theft, and may have gotten a motorcycle in my name using some of all of my information after he stole my wallets and other important documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I owe an apartment complex money so i called and thwy gave me the number to pro collect ... who can not fibd anything XXXX my name or ss # ..and there was no account number kisted on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: SIMM Associates, Inc.
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is trying to collect a debt which is not mine, and which might be obtained under my name fraudulently, as I am not living in the US for 6 years and not using XXXX at all because it is not supported in home country which is XXXX. Also, find attached supporting documentation Creditor : XXXX XXXX Account opened : XX/XX/2019 Balance : XXXX $ Account number : XXXX SIMM account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Trying to connect my PNC account to XXXX. Unfortunately it seems this is not a possible connection at the moment. I wish it was because I was excited to start learning about investing and it would have been easier for me to do so without having to open a new account.

Company response to consumer: Closed with explanation