BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-04-12
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021, I contacted ERC regarding an XXXX XXXX XXXX bill that was placed in collections, ( Ref No. XXXX ). I made a settlement arrangement and made payment of that settlement on XX/XX/2021. I was also promised that my file would be updated and the collections removed. I have contacted ERC and is now being told that they were not the original collection agency who placed the account into collection and I would have to look at my credit report to find out who the agency was. I was also told i can contact XXXX XXXX XXXX. I looked at my report and did not see anything. I then decided to contact XXXX XXXX XXXX. I tried for 7 days to get to a rep that could assist me but got the run around ( we no longer have this account, you would have to check with XXXX. When get in contact with XXXX, I was told by the XXXX  rep, you have to contact XXXX XXXX XXXX as they were the original account holder ). I am now contacting the CFPB as I am at a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: SYNCHRONY FINANCIAL
State: FL
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 rewards from credit card

Complaint:
I have a cashback credit card with this bank and have been collecting cashback for over a year. Abruptly on XX/XX/XXXX I noticed that I was unable to charge my card so I contacted the bank. They told me that they had cancelled my card and forfeited my cashback which was over {$4000.00} by then. I asked for a reason for this and they were not able to give me a valid reason. I know I have never had a missed or even late payment on the card and actually had a credit balance on the card which they acknowledged. My suspicion is that the only reason for doing this is that by cancelling the card abruptly without fair warning I would have no opportunity to draw my cashback and they would be able to forfeit the money they would otherwise have to pay me. I would like them to reinstate the card or failing that provide me with an opportunity to draw my cashback. I feel this is an insidious and unfair behavior by the bank targetting a customer for no fault. I hope the regulators can step in and protect the rights of a consumer. Thank you

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 2018-04-18
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2018 Noticed this debt on my credit report XX/XX/2018 Called XXXX XXXX XXXX at XXXX and talked to " XXXX '' where I gave her my phone number, address and date of birth. She pulled up the debt, stated that it was from XXXX XXXX and informed me that the call was being recorded. Great! Since the amount was under 100.00 I asked that the debt could be settled for a 1/3 of the amount and removed from my credit report and written notification of such be mailed to me. Payment today to be done with the debt. She informed me that she was unable to negotiate. I asked to speak to her supervisor. A " XXXX XXXX '' came on the line. I informed him of my desire to settle the debt, and have it REMOVED from my credit report. I will settle for 1/3rd or 2/3rds of the amount owed and again have WRITTEN notification sent to me about the transaction. XXXX XXXX informed me that they do not send written notification, that I must pay the amount owed immediately or I will be charged more. I asked for a his supervisor, whom he says does not take phone calls. I mention to him that I was familiar with the Fair Debt Practices Law and you can't not MAIL me information about my debt, nor can the company increase my charges because I initiated a phone call. He was unwilling to change his statements. I asked for a transcript of our conversation and again was denied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF ID THEFT. I did not open this bank account and I am attaching my FTC report with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: Bread Financial Holdings, Inc.
State: TX
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:
XX/XX/2018 XXXX XXXX XXXX THE {$4600.00} Reporting on credit report fraudulent account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
To whom it may concern my name is XXXX XXXX.My complaint is about being denied for personal loan in the amont of $ XXXX.From a company called XXXX .Date of the loan application XX/XX/2018.I sent personal information such as copies of my drivers license,2 months of bank statements, verification of employment and income and a voided check.This company told me there was and error on appication for my income which is {$36000.00} a year they told me that I needed an income of {$400000.00} a year to be considered for a loan for {$4000.00} at 2 year payment term.This company was inquire to me through Transunion for credit repair and debt consolidation. My credit score has dropped 50 points since this application process.I feel that this may possibly credit discrimination against myself.Date denied XX/XX/2018 no copy credit or income disclousure.My lending contact name was XXXX XXXX for XXXX. Phone # XXXX.Thankyou sincerally 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 2020-10-13
Company: Experian Information Solutions 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:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FRCA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You

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 2019-01-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
my credit is taking a hit unneccesarily. I pay all bills on time and XXXX  out my credit card balances monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
As of XX/XX/2020 - XX/XX/2020, I have been mailing my dispute letters to the following credit bureaus ; XXXX, Experian, and XXXX. My first dispute letter was back in XX/XX/2020 using the regular mailing system. The last two dispute letters was the months of XXXX and XX/XX/2020  through certified mailing to be able to track my mailing and I still have not heard a response from either creditor agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to CREDITORS DISCOUNT & Auditors for Account XXXX from Now defunct XXXX XXXX in XXXX XXXX Illinois to inform them that these services were for my XXXX  XXXX  and they should bill her insurance. I have also initiated several disputes to no avail. The info was removed from one credit buearu and not the others.

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 2019-01-07
Company: ERC
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: Their investigation did not fix an error on your report

Complaint:
I had an XXXX collection that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX 's part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my XXXX   and XXXX reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Legal Recovery Law Offices, Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I recently checked my credit report and discovered I had an Abstract of Judgement issued on XX/XX/XXXX filed by Attorney XXXX XXXX XXXX of Legal Recovery Law Offices , Inc. Filed in Superior court of XXXX XXXX county XXXX courthouse ( case # XXXX ). The plaintiff is listed as XXXX XXXX XXXX ( XXXX ) and I am listed as the defendant. The judgement was in the amount of {$4800.00} entered on XX/XX/XXXX. 
I had filed chapter XXXX bankruptcy XX/XX/XXXX. A notice of this filing was sent to both XXXX XXXX bankruptcy dept. and to Legal Recovery Law offices. The bankruptcy was discharged XX/XX/XXXX. The attorney ( XXXX XXXX ) filed this lien as being a secured debt therefore getting around the bankruptcy. This is an unethical filing which should have never been done. It was an unsecured credit card debt in which his business ( Legal Recovery Law Offices , Inc. ) was notified and listed as one of the debtors that had been notified of the chapter XXXX bankruptcy. 
According to my bankruptcy attorney this judgement should have never been filed due to the circumstances. I was also made aware that the attorney who filed this lienmotion had been sanctioned by the state bar several times around the time of this action for doing similar acts. 
I am requesting that this judgement against me be removed since it was done illegally.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-10
Company: Experian Information Solutions Inc.
State: IL
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:
These are not my accounts I want them remove off 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 explanation
Consumer complaint received 2018-06-10
Company: Credit Management Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX ( XXXX ) was told for 2 months we had different cable provider And to shut t this off and didn't letting The bill run up on XXXX XXXX I've told them I only used Ambulance service once it's billed twice each just less than 10 dollars each XXXX especially has been not willing to do much I want it Itimizsd bills or them to be removed they messed up double billing I'm sure priced are wrong also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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:
This is reference to the original compliant CFPB # XXXX, filed XX/XX/XXXX toward Fifth Third Bank. 

The above complaint through the CFPB was declined by Fifth Third Bank for {$18000.00} to XXXX  because they enforced the fact that this complaint was filed outside of the sixty ( 60 ) day timeframe allowed under Regulation Z. Even though I first filed a dispute with Fifth Third on XX/XX/XXXX and did not get an answer until XX/XX/XXXX ( 3.5 months ). The Dispute Dept Supervisor hung the phone up on me when I was trying to get an understanding of their process. 

I charged portions of the XXXX fee ( {$85000.00} ) on other credit cards at the same time ; XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX as directed by XXXX and those financial institutions did not enforce the sixty ( 60 ) day limit and REIMBURSED ALL MY XXXX   CHARGES. 


I was schemed into believing the purchase of a XXXX business would benefit my family for years into the future. I was only able to participate in XXXX activities for ten ( 10 ) months, XX/XX/XXXX through XX/XX/XXXX. 

I have attached a XXXX document outlining the services/products I was supposed to receive under my life time XXXX  purchase and marked those services/products I received and those I did not. As you can see, the services/products are too numerous and extensive to comprehend within a sixty ( 60 ) day timeframe per Regulation Z. I was not able to take advantage of all the services/products offered because the Federal Trade Commission ( FTC ) discovered the fraud and shut down MOBE XX/XX/XXXX. 


This complaint is made toward Fifth Third because a ) they do not follow the same standards as other financial institutions who waived the 60 day timeframe limit. Why did every other financial institution find the disputes in my favor and Fifth Third did not? b ) I did not receive all services/products I paid for due to legal action by the Federal Trade Commission toward XXXX. 

All FTC court proceeding documents can be found here ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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 disputed an incorrect Bankruptcy on my credit report at least 6 times and credit bureau refuse to send proof or even investigate my request. This is causing me to get higher interest rates and not be approved for other loans.

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 2018-12-05
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I accepted service from XXXX XXXX XXXX. The company did not inform me that internet was required. They also told me that the agreement was at will without penalty. They never addressed my needs as a customer. My bill is only {$230.00}. They placed false information regarding my bill with a collection agency who has placed information on my credit report without contacting me or giving me an opportunity to dispute the validity of the debt. The debt is not valid. The actions are unlawful and I am requesting that the actions of this collection agency be reported to the Federal Trade Commission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
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:
EXPERIAN CREDIT BUREAU IS IN VIOLATION OF THE " STATUTE OF LIMITATIONS '' ON MY CREDIT MATTERS, " SINCE XX/XX/2018 COMPLAINT XXXX ABOUT EXPERIAN ''. MY CIVIL LIBERTY RIGHTS, FUNDAMENTAL RIGHTS BEING VIOLATED. THEREFORE ; FAILED TO NOTIFY ME ABOUT MY CREDIT REPORT DISCREPANCIES IS IN VIOLATION OF " STATUTE OF FRAUDS, AS THEY PUT A STATUTORY PERIOD. CF. LACHES ON MY CREDIT MATTERS, WITHOUT PROMPTLY CONTACT ME ABOUT MY CREDIT REPORT DISCREPANCIES, ETC. DEEMED TO BE A TRIAL BY AMBUSH OBVIOUSLY HAPPENED TO MY CREDIT REPORTS MATTERS. VIOLATION OF MY FOURTH AMENDMENT ( 1791 ) AND MY FIFTH AMENDMENT ( 1791 ) AMENDMENT VIII AND AMENDMENT IX ( 1791 ) ALSO BEEN VIOLATED BY THE CREDIT BUREAU [ S ] AGAINST  MY RIGHTS. DEEMED BIAS WITH ANIMUS ACT AND ACTIVITY AGAINST ME, ACCORDING TO OUR RULE OF LAWS I MENTION HERE-ABOVE. XXXX XXXX IS IN VIOLATION OF OUR CIVIL LIBERTY RIGHTS, & FUNDAMENTAL RIGHTS, AS I MENTION HERE-ABOVE ALSO. BIAS WITH ANIMUS CONSPICUOUSLY.

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