BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
I am currently refinancing my home and consolidating my credit cards and have been shopping the rates among different lenders. My credit scores have been in the XXXX 's or higher for more than 20 years. I still have an activity revolving account from college which I opened 26 years ago. I have had a mortgage for 14 years. The youngest credit card I have is 9 years old. When the lenders checked my credit scores and mailed me the credit score exception aka the risked based pricing notice. XXXX and Transunion both furnish blatantly false information which brought my scores down. On the notice which stated key factors affecting your credit score Transunion falsely stated that I had insufficient length of credit history. XXXX falsely stated length of revolving account history is too short. This false information has the affect of driving down my scores and allowing these lenders to justify charging higher interest rates and fees. XXXX just has my score at XXXX and stated that I had high balances on revolving accounts. 
I called Transunion and asked a supervisor about the notice I received and the information they have provided. He denied the fact that the information had come from Transunion. I read out loud the credit score notice to him and he again denied that Transunion gave them that information. He said that each lender runs their own credit score modeling reports and uses their own key factors. He then sold me a credit score report for {$10.00} that had my " real factors '' that affect my credit score. I should get it in the mail in 5-7 days  for security purposes. I did a search on the internet and saw the news release that the CFPB had in XXXX XXXX fined XXXX and Transunion XXXX XXXX for their deceptive marketing of credit score reports to consumers. I filed a dispute with TransUnion, XXXX and XXXX and requested they cancel my order and decided to file a complaint with CFPB. 
I still feel trapped because I have already locked my rate the refi my home and I am not sure if I should move forward or wait to until my credit is re-scored. My lowest score was XXXX and most people would be happy with that, but if my true score is higher why should I have to settle at XXXX. It 's really frustrating because the debt I have been carrying really bothers me but I want to get the best deal I can. I hope this helps someone else when dealing with these crooks as know as the credit reporting 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 2020-11-07
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom this may concern : I sent COMMONWEALTH FINANCIAL SERVICES numerous dispute letters and as of XX/XX/2020, COMMONWEALTH FINANCIAL SERVICES continue to report negative information to my credit report and I proof that my last dispute letter was received on XX/XX/2020. 
This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit report ( including XXXX, XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
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:
NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX XXXX ACCOUNT # XXXX NO MISSED PAYMENTS XXXX ACCOUNT # XXXX XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX  XXXX XXXX  USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX XXXX None authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX XXXX Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS XXXX CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX XXXX MORTGAGE Non authorization XXXX XX/XX/XXXX, XXXX CONTACT DETAILS XXXX MORTGAGE SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX ) XXXX EXPANSION CAPITAL GROUP Non authorization on XX/XX/XXXX XXXX CONTACT DETAILS EXPANSION CAPITAL GROUP XXXX XXXX XXXX XXXX XXXX, SD 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 explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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 sent letters to dispute credit inquires that were unauthorized and they did not delete.

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 2017-11-03
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
Good Morning, I hope that this email finds you well. I need help with a dispute with American Express that I have been having since XXXX. 

I made an ACH payment to American Express on XXXX/XXXX/2016 in the amount of {$410.00} and the payment never was applied to my account. American Express has informed me that they have found the transaction but they have also informed me that they ca n't find the transaction. They keep closing the the investigation. I have proof from my bank XXXX XXXX and American Express that the payment was made and received but the payment is not being reflected on my account. American Express claims that I made a payment on another card members account which i never would have done because my account is a corporate account used for Travel Expenses for XXXX. 

Can the CFPB assist in this matter? I have been dealing with American Express for nearly 4 months. 

My Best XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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:
I have a credit card with XXXX XXXX  with a credit limit of XXXX my payment due date is the XXXX of every month. I made payment with representative on the XXXX of XX/XX/2022, I also reported my card lost on on XX/XX/2022 and they issued a new card that same day as I made my payment. XXXX XXXX canceled my payment of XXXX without my knowledge and reported 2x 30days late on my consumer report. I spoke to a representative and he admitted it was there fault but was nothing they couldn't do about it on there end. they suggested I dispute the 2x 30 days late with the credit reporting agencies myself. I would like the false 2x 30days late removed from my credit report immediately.

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 2020-11-07
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a US Bank Focus Card from my employer. On XX/XX/XXXX the card did not work though I knew I had funds. I called and was told my account is now inactive pending a review by the XXXX team. I asked to speak with them and was told they have no contact for this team as they are completely offline. I asked how I resolve the issue quickly. I was told to fax my Social Security card and my driver 's license. I faxed the documents on the XXXX of XXXX. I called again and was told it can take 24 to 48 hours to receive the fax. I called again I was told that the fax was received on the XXXX but it could take up to 5 days for processing. I call everyday and get told that the XXXX team is still reviewing or have not yet as my card is still inactive. I received another deposit on the XXXX and my account balance shows the funds available but they still have not made my card active. I have called and emailed the corporate offices and received an email back yesterday ... umm ... that the XXXX that they would forward my complaint to someone who could help me. I just want to have access to my funds so I dont lose my home as my landlord needs his money and nobody seems to care that 2 weeks is to long without access to your own money. I will take my business elsewhere and get direct deposit changed but I need this resolved immediately so I can take that action. Please help 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 explanation
Consumer complaint received 2017-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted portfolio recovery associates llc to have them validate an unknown credit collection account ( XXXX XXXX XXXX XXXX ) that I saw on my credit report. Upon asking them to validate the debt and send a signed copy of the contract with my signature on it they instead sent me a bill and documents related to the collection account but no signed contract from the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: CA
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:
Hello My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

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 2022-03-09
Company: EQUIFAX, 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:
I have a credit card with XXXX XXXX  with a credit limit of XXXX my payment due date is the XXXX of every month. I made payment with representative on the XXXX of XX/XX/2022, I also reported my card lost on on XX/XX/2022 and they issued a new card that same day as I made my payment. XXXX XXXX canceled my payment of XXXX without my knowledge and reported 2x 30days late on my consumer report. I spoke to a representative and he admitted it was there fault but was nothing they couldn't do about it on there end. they suggested I dispute the 2x 30 days late with the credit reporting agencies myself. I would like the false 2x 30days late removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX and Experian has incorrect information on my Credit Report in regards to XXXX XXXX XXXX. I owe XXXX XXXX XXXX nothing and that is not showing on the credit reports.
I financed vehicle for {$7000.00} through XXXX XXXX XXXX for a XX/XX/XXXX XXXX XXXX. I could not keep up the payments so I voluntary gave the car back to XXXX XXXX on XX/XX/XXXX.
Again I want XXXX XXXX XXXX  off my Credit Report with XXXX XXXX and Experian Credit Reporting Agencies effective immediately.
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 explanation
Consumer complaint received 2022-03-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX my divorce was finalized and my ex-wife was awarded a vehicle in the agreement that she later in XXXX didn't want, stopped making payments on it and voluntary surrendered it even though both of our names were on the loan. There was over {$16000.00} still owed on the loan and now I'm being sued for the balance plus court fees and filing fees which is now around $ XXXX even though the vehicle was awarded to her in the divorce decree signed by the XXXX XXXX Clerks office . I had to seek legal council to represent me since the XXXX XXXX, who is suing me, stated she could not be located or served, even though I gave them her home address, work address, phone number and new maiden name. Before I acquired representation in XXXX of XXXX I was getting calls every other day to rectify the debt saying they were going to sue, maybe even liquidate assets or contact my company and put a garnish on my wages even though the automobile that had the debt on it was awarded to her which includes all debt involved with the vehicle, its in the divorce decree. I am now in a holding pattern with my lawyers and the lawyers representing XXXX XXXX. This has negatively impacted my credit enormously and caused me significant stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is the second time that Navient, my private student loan company has double charged me for my loans ( XXXX XXXX, 2017. ) My loan is a total of XXXX and to be charged double that is unacceptable. When I call it takes 20 minutes to get me to the correct department and today when I called they told me their wait time was too long and I would have to call back. I currently have a negative amount in my bank account with no idea if this will be put back in my account before I incur overdraft fees. I called last week to ensure my payments were going to be correct and the agent ( on a recorded call ) ensured me I would not be double charged as I noticed I had two bills in my email. She brushed me off through the whole conversation and I am now removing my debit card from their system. Navient has no regard for their " customers '' and NEVER goes to the extra mile to help those in need who have good account status like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has began to call me and they dont leave voicemails to state who they are or a return number. I dont answer unknown calls and it comes up on my cell phone as " spam risk ''. I found them by looking up the number online. They have called 13 times in the last 3 days. 
XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( sleeping ) XX/XX/XXXX - XXXX AGAIN ( sleeping )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: CITIBANK, N.A.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX ( 1 ) BLOCKED/LOCKED USER ID ( 2 ) XXXX 1. XX/XX/XXXX, to date I attempted to send money via XXXX to the same person/email, to NO AVAIL 2. XX/XX/XXXX, I attempted to send available money to the original same person/email, to NO AVAIL 3. XX/XX/XXXX, Citbank sent via email " We've blocked your Citi Online User ID for your security '' 4. On XX/XX/XXXX, I sent Citi an email 5. XX/XX/XXXX, Citibank sent via email " You have a message in the Secure Message Center '' THE ACCOUNT IS BLOCKED/LOCKED. 
6. I attempted to login XX/XX/XXXX, XXXX USER ID BLOCKED 7.XX/XX/XXXX, I called 5 times to be disconnected 8. XX/XX/XXXX, Login BLOCKED. I phoned Citi - " account specialist '' " supervisor '' - " XXXX '' - " XXXX '' Executive Response Unit ( XXXX ), requesting UNBLOCKING/UNLOCK ACCOUNT, TO NO AVAIL FOR AVAILABLE FUNDS.

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 2022-03-09
Company: Siggi LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX XXXX I entered into an agreement with OMNI XXXX XXXX  for personal loan that required an allotment to be setup for payment and bank account information submitted for backup payment. 

On XX/XX/XXXX I learned that OMNI XXXX XXXX were potentially violating the Military Lending Act by doing this. 

This is still the method that they use today and I was never notified that it was not a requirement or not allowed in accordance with 10 U.S.C. 987 ( e ) ( 6 ). Also that having my bank account information for repayment was in violation of 15 U.S.C. 1693k ( 1 ). 

My loan was finally paid off on XX/XX/XXXX and I have stopped the allotment and now feel comfortable to report their practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: CITIBANK, N.A.
State: AZ
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:
This is a complaint to Citibank regarding my payment on XX/XX/XXXX, paying off my balance in full and receiving confirmation in that regard.
On XX/XX/XXXX, I called Citibank regarding payments I had made previous to XX/XX/XXXX that Citibank had reversed. I have still yet to see the ACH reversal codes in this regard as I have requested via fax. On that particular phone call, I spoke with a representative in the payments investigatory department or equivalent named " XXXX '' about this issue as the previous representative was unable to assist me.
XXXX agreed to submit my payment over the phone from my financial institution in the form of a check draft or direct ACH payment. This was performed at approximately XXXX XXXX You can pull the recorded call to review that conversation.
On XX/XX/XXXX, four days later, I spoke online via secure chat with a representative " XXXX '' inquiring about why my balance was at XXXX, as well as the payment due section ( {$0.00} due ), but my available credit was not yet showing up at {$1000.00} where it should. I have copied this conversation to a Word document and will attach it to the appropriate section of this submission.
In this chat, I was clearly informed my payment to Citibank in the amount of {$990.00} has been cleared and received by Citibank, paying off the account balance in full. I specifically asked if Citibank has been paid this said amount and was told ( see the chat transcript ) " Yes, XXXX '', that they have been paid this amount.
This behavior is unacceptable. If I am told my payment has been received, Citibank has been paid, and effectively my account is paid in full, that is what I expect just as any other Citibank account holder would expect. I am demanding an explanation as to why I was lied to in this regard, and when my account balance will show as paid as I was previously informed.

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 2020-04-26
Company: Experian Information Solutions Inc.
State: LA
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:
show tooltip button XXXX XXXXDispute XXXX XXXX XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ftc violations

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