BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ( FCRA ) these creditors have violated my rights for these accounts : XXXXXXXX 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 XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2023-07-03
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My son had some XXXX work done. He financed the {$6000.00} procedure with XXXX XXXX XXXX XXXXComenity Bank. However, the bank charged ME with the debt. I have made consistent attempts to get them to transfer the loan to my son 's name, but they insist that that they can not transfer the account and that my son is guilty of XXXX. They presented me with my " signature '' as evidence of my liability. 
Meanwhile, my credit rating plummeted, they constantly hounded me with threatening phone calls, and continued to accuse my son of XXXX. After a year and a half of this I showed my son a comparison of my signature with the one they had. Lo and behold, it was my son 's ( illegible ) signature all along! Yet, even when presented with this new evidence they persisted in the insulting directive to send my son to XXXX for XXXX! If there was any fraud, it was on their part not ours. Both my son and I have repeatedly tried to rectify this situation, but they will not listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX cell : ( XXXX ) XXXX XX/XX/XXXX To whom it may concern : I hope this letter finds you well. I am writing this complaint regarding an issue with Citibank that has been going on for the past 5 months. On XX/XX/XXXX I deposited an expense check, in the amount of {$1300.00}, from my company, XXXX XXXX XXXX, via CitiMobil app. This check was deposited a second time by mistake on XX/XX/XXXX onto XXXX XXXX. XXXX XXXX was made aware of the mistake by me the next day and they started the process to return the money that was deposited for the second time to XXXX XXXX. XXXX XXXX   returned the money to XXXX on XX/XX/XXXX and the issue was settled. On XX/XX/XXXX I received a notification from CitiBank that they have deducted the deposited money {$1300.00} from my account. During the past 5 months I have contacted Citibank Customer service more than a dozen times, had in-person branch visit and sat down with the banker, providing them proof that the money was deducted from the companies account yet they never refunded the money to XXXX. They refuse to give me a clear answer as where this money went because XXXX XXXX did not receive their refund. Citibank is also adament in returning the money back to my account. XXXX, who is XXXX XXXX XXXX XXXX, has initiated a case per request of the company to investigate where this money is and why Citibank is not returning it to me or them. There has been no repsonse from Citibank Customer service despite our best efforts to fix this issue. I have attached proofs and documentation for your viewing and would appreciate your help in this matter. The documents attached are : 1-A copy of the letter sent by Citibank 2- A copy of the check ( Front and back ) 3-A letter from the CEO of  XXXX XXXX XXXX sending the copy of the XXXX statement 4-A copy of XXXX ( XXXX XXXX XXXX ) which shows the money was cleared from their account on XX/XX/XXXX and XX/XX/XXXX 5-A copy of my XXXX highlighted statement ( XX/XX/XXXX and XX/XX/XXXX ) showing the money debited back to the company 6- A copy of the emails from the CEO and the accounting manager of the  company stating they have never received the money back from Citibank! 

Please do not hesistate to contact me for any questions or concerns. I thank you in advance for your time and kindest consideration. 

Regards, 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 2023-05-24
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-28
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$870.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance Owed : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance Owed : {$720.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX****Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}

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 2020-04-22
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX my parents signed me up for a loan with XXXX XXXX. A few years later when I joined the military I was told that my loan was in deferment and would not be gaining interest. I was never contacted about a change in ownership or a change in the terms of my loan. Specifically the interest charges. A few months ago I received a letter from Navient that was sent to my parents house. After calling Navient I discovered that that my loan was up to {$23000.00} ( {$8000.00} of that is interest ). I requested a copy of my contract and received a contract with only my information, and my references. No information about the loan or terms that I agreed to. After trying to determine a solution with Navient I was offered a payment option that would increase my interest to another {$8000.00}. All for a loan that cost {$15000.00} originally. I am still currently XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've been in communication with LVNV Funding since XX/XX/20. They were negotiating a settlement with me and when I told them I needed a consideration because I am going through a financial hardship they told me to contact XXXX XXXX. I contacted XXXX XXXX and arranged a settlement and the day I called in to process the payment they refused to take it. They said the account was transferred back to LVNV Funding so I called them and they refused to take a settlement. They would only take the full amount. The reasoning behind this was because in their system it showed that XXXX XXXX was servicing the account. The odd thing was that they wouldn't take a settlement JUST a payment in full. With all this back and forth I still have not been able to settle this account and they continue to mark me late on my credit every single month. I beleive it is unfair and illegal for them to do this. I have the money, I made arrangements so why can't they keep their word and settle my account? It seems like the owner of the debt ( LVNV ) caught wind that I was settling the account for a reasonable amount and they didn't want that to happen so now they have my account in a limbo where I am the only one losing. I can't pay to stop the negative credit reporting and they don't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had several visits regarding a XXXX XXXX XXXX. I made monthly payments The oldest amount due XXXX was sent to collections despite my making monthly payments. I told the collection agency immediately that I would only communicate with the original creditor. I continued to make monthly payments until account was paid in full.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: VA
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 ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX 

In accordance with the Fair Credit Reporting Act the companies listed above violated my rights... 

15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information.

15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report.

15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
im writing you guys in regards to all of the fraudulent accounts on my credit report.i am a victim of identity theft. I need it all removed. I've sent a letter to the credit bureaus with all my information and all the fraudlent accounts to be removed.

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 2023-05-24
Company: EQUIFAX, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX Balance XXXX {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Last year when I was check my credit score I realized that someone steals my information and opens a credit card since 2018. Then they spent XXXX dollars. I dont believe they have all my informations correctly, so how can they use un sufficient information to open a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sent my balance to collections. Veteran affairs was supposed to cover the cost of that semester through the GI bill. I cant control what, when XXXX how the VA operates. The VA delayed notifying anybody that my benefits had been exhausted until well after the semseter ended. XXXX then attached an additional {$370.00}. Of interest. I explained it was not my faultamd i am having a financial hardship. They then proceeded to send it to collections DESPITE me making payments directly to the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
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:
I have been a victim of inquiry issue. Misreported inquires. Their customer service would not help and take care of the negative inquiries reporting to your credit report. 

Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , OH XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , MN XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, MI XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , DE XXXX | ( XXXX   ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX , PA XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX , PA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX  , MI 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 2023-07-03
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After disputing inaccurate information on my credit report my name, personal information and history is not correct and has not been corrected accurately. I sent all original high-quality images of my valid ID and SSN card, police report and FTC report , mail with current address, current Credit report with all inaccurate Information notated and highlighted to XXXX XXXX and Equifax Information Services to correct and they are reluctant to fix my correct true identity with is listed exactly the same on all of my documents. 

XXXX XXXX and Equifax Information Services are in violation of Title 16 part 602 sec 153, 154, 155 due to reinsertion of erroneous information which are results of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a garnishment by the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX who is collecting a past eviction debt for XXXX XXXX XXXX. XXXX XXXX XXXXXXXX has been collecting this debt since XX/XX/2019. National Credit Systems is a collection agency collecting a debt for XXXX XXXX XXXX  as well, which is the same debt. NCS is reporting a balance of {$4500.00} on my credit report for this debt and XXXX XXXX XXXXXXXX is collecting $ XXXX/ Court documents. {$1900.00} has already been applied to this debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX but NCS is reporting on my credit report this same debt as {$4500.00}. I contacted the law firm who stated they have NO affiliation with this agency. I contacted NCS who stated they have NO affiliation with XXXX. The only thing both parties agreed on was not having affiliation with each other. 2 people can not collect on the same debt at the same time. This is illegal. This collection agency needs to take this off my report because I do not owe them anything. I'm court ordered to pay and has already paid 98 % of this debt already. It's bad enough I'm paying this kind of money for 1  month {$700.00} but to pay an additional {$4500.00} to a collection agency for {$700.00} is ludicrous. This debt is causing financial distress and undue hardship and needs to be removed from my report.

Company response to consumer: Closed with explanation