BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. XXXX  and Transunion are reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these 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 2018-09-25
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX One opened on XX/XX/XXXX and another on XX/XX/XXXX both in the amounts of {$570.00}. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX : {$570.00} XX/XX/XXXX : {$570.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$570.00} XX/XX/XXXX : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Thanks for your help in getting this resolved. My credit report is 100 % unblemished aside from this dispute. XXXX has elected to destroy my credit rating over a {$150.00} loan payment from XXXX, XXXX that should have been in forbearance since XXXX XXXX. 

I have repeatedly and sincerely asked XXXX to please update the payment status of my loans from XXXX, XXXX in their records, and to the credit reporting agencies, as on-time or some other non-negative status. They have repeatedly sent me conflicting reasons, denials, and excuses for not updating my payment statuses, of which I have documentation. 

My student loan payments with XXXX were supposed to be on an income driven payment plan as I re-certified this plan in XXXX XXXX, I have ample documentation of my efforts to re-certify from the time. I mailed in all the necessary documents just like I did in XXXX and XXXX never processed my paperwork. The payment amount was supposed to be XXXX. I mailed in documents after submitting my application. Instead of processing my forbearance plan, they began billing me without my knowledge. I do not understand, and still have not been given a reason, why my paperwork was not handled in XXXX, even though I had no issues in XXXX. My sense is they lost my application and are now refusing to take responsibility while simultaneously accusing me of not paying my loans. I absolutely take responsibility for my loans and would never have knowingly paid them late and I 100 % dispute the characterization of my payments as late. 

XXXX reported me to credit agencies without properly informing me that I was being billed or that my repayment plan application was rejected. I paid the due payment the moment I knew about it and now I just want the record to show I was NOT paying late ; I didn't know I had a bill due and would never have waited to pay. 

I am sincerely asking you guys to please help force XXXX to update the payment status of my loans from XXXX, XXXX in their records, AND to the credit reporting agencies, as on-time or some other non-negative status. I paid the due amount the moment I learned about it and have made no other errors with these loans throughout the 6 year life of these loans. I'm am traumatized that I would be treated like this after all my good faith actions and patience in trying to get this resolved. 

Attached supporting documents are chronological receipts of actions from XXXX XXXX that I followed to a " t '' to complete my re-certification plan. I did everything necessary and was never sent any indication that my plan was not accepted. 

Please let me know anything you need to get this fixed. I appreciate you guys handling my request.

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 2017-08-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
experian placed a fraud alert without my authorization

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 2023-01-26
Company: CCS Financial Services, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have sent disputes to all 3 credit bureaus and CCS Credit Collection Services to remove the collections account for XXXX XXXX from my credit report. The reason given is the debt was settled for less than the original balance. However the debt has been paid settled and is no longer considered an outstanding debt in collections. I have a paid in full letter from the original creditor XXXX XXXX. 

I want to include XXXX as part of the Credit Bureaus listed separately below.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: CITIBANK, N.A.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see attached screenshot of Citicards CBNA reporting a negative on all three credit reports. This was a secured card, I paid monthly ON TIME and then closed the account. I have disputed that they have reported this secured card repeatedly and yet they do not update it as resolved to reflect accurately the series of events. 

This card was closed by me. I requested they close the account and send me my security deposit of {$300.00}. The whole point of the secured card was to build my credit and I paid monthly on time. Eventually I closed the account and requested my secured deposit of {$300.00} back. 

For some reason, the deposit return took 3 months to return and to for them to close the account only to find out a couple months later they reported it NEGATIVELY which is a LIE. I opened the account, paid on time, closed the account and requested my deposit back, AT NO TIME WAS I DELINQUENT IN MY PAYMENTS! NOT ONCE!

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 2022-05-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My husband got laid off and can not pay my credit card I called macy 's ( Citibank ) and they keep giving us the run around and telling us they can not do anything. I am XXXX and that seemed to be of no concern to them. This happened XXXX XXXX around XXXX thru XXXX and we called today XXXX. Several times during the calls, they dropped. One time seemed to have picked up and hung up. 

What can I do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: NH
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 is refusing to remove a public record and continues to say that they have verified the information with XXXX even after the alleged public record was deleted from all XXXX files based on their inability to verify the information about the public record.

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 2020-09-05
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: Their investigation did not fix an error on your report

Complaint:
On XXXX I had sent a letter to XXXX XXXX in regards to an account that was on my consumer file under my name. In this letter I was requesting that XXXX XXXX provide me with the alleged physical verification of the original signed contract between myself and their company. I received a response stating that my letter was unclear, and they did not know what I was asking for ( copies of all correspondences will be included in this complaint ). I then sent XXXX XXXX a letter on XXXX reiterating that I was requesting proof of an alleged account being reported to the Credit Bureaus in my name. XXXX XXXX had then responded to that letter stating that they have no way of validating the account as the application process was done online or over the phone. I have never applied for or obtained anything from this company, not in person, over the phone, online, not by fax, postal mail, NOTHING. 

On XXXX, XXXX AND on XXXX, I wrote to XXXX, Experian and XXXX  as they have continued to verify this account as accurate. My question would be, how is are these bureaus verifying an account in my name, when the company has already sent me a letter stating that they are unable to verify this account. 

XXXX, Experian, and XXXX  continue to keep this inaccurate negative information on my credit report after being informed multiple times, WITH PROOF that this account needs 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 explanation
Consumer complaint received 2017-08-10
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ad Astra Recovery failed to validate or send proof of contracts that I have with Ad Astra Recovery. If Ad Astra Recovery does not send a copy of this contract within 30 days, The only resolution i will accept is to delete the said debt from all credit reporting agencies, as it is a fraudulent account. The FCRA requires you to verify the validation of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here and i urge you to remove this item before i am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Square Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX around XXXX I made a purchase with my cash app card at XXXX XXXX before work with no issues. Later in the day around XXXX I tried to purchase items at the store in which my card was declined and cash app stated it was for my protection. I have a current balance of {$1300.00} in my account there is no reason for it to be declined. I can not transfer money, send money or buy anything at the moment. I have tried contacting them on many different social media sites as well as through email, due to them not having a customer service number. It is now XX/XX/XXXX its been over 24 hours and my account is still frozen there is many others on twitter stating they have similar issues, in which cash app is simply responding we are working on it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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 was at the XXXX dealership on XX/XX/2020 and when I had my credit ran to see if I qualified for the auto loan I was told that I was not approved because there were too many accounts in negative standing appearing on my credit. I was somewhat confused to hear this because I have never let any of my accounts or loans get negative so I looked through my credit report and I saw XXXX accounts that I never opened. The accounts are from these companies. XXXX & US Department Of Edu. None of the accounts I listed on this report belong to me and I did not give anyone permission to open these accounts on my behalf ; I do not have any agreement or affiliation to any of those companies and I did not gain anything as a result of those accounts being open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S. Code 1681 section 602 A states I have the right to privacy.

15 U.S. Code 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 explanation
Consumer complaint received 2019-10-23
Company: Experian Information Solutions 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:
These medical bills aren't mine.

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 2021-02-23
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian and XXXX  should not be reporting each inquiry listed on my credit report as a separate line item. These multiple inquiries are well within the shopping window that is typically allowed to check different lenders and find the best loans. Each one of these inquiries listed are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see page attached for reference. ) This false reporting of multiple inquiries is seriously harming my credit score. Please update to report only one line item. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix 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 2018-02-05
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote Experian, regarding XXXX XXXX debt Company, and that Company has falsified dates and amount of debt, and have not provided any document with my Signature, The debt is so old and I have no knowledge of the debt. So I asked Experian to provide a Copy of the debt to verify my Signature and to verify the amount of debt. They sent a letter telling me to verify my Identity, Which I Provided with a letter Dated XX/XX/2017. I received a new letter that said my dispute letter was not legible, and they need my personal information again. I had enough, I sent four rounds of dispute letters stating please send original document with my signature and they have been giving me the run around. Without properly verifying the debt to see if it is accurate.

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 2019-06-03
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
This was opened in XX/XX/2017. I have asked they agency to itemize the debt along with providing my signature to allow my medical provider permission to share my information with a third party. This is a HIPPA violation, and they agency has never been able to respond appropriately

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 2021-02-23
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 information incorrect

Complaint:
XXXX  and Transunion should not be reporting each inquiry listed on my credit report as a separate line item. These multiple inquiries are well within the shopping window that is typically allowed to check different lenders and find the best loans. Each one of these inquiries listed are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see page attached for reference. ) This false reporting of multiple inquiries is seriously harming my credit score. Please update to report only one line item. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix 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 2022-10-10
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Navient was calling all of my neighbors asking for my contact information because they can not reach me regarding a student loan. They did this last year as well and the XXXX XXXX XXXX complaint board notified them to cease. 

They have started calling all of them again recently in the past day or two. 

They have already ruined my credit, but now they are ruining my reputation and the right for privacy. Most of my neighbors do not speak to me anymore. The couple that got the call this morning from Navient asked me to stop having them call them. I never provided my neighbors ' information, so they are using other means to call them to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
In XXXX of 2018 i spoke with a supervisor at Synchrony bank in regards to my XXXX XXXX XXXX account. They stated they would remove the XX/XX/2018 late payment off my credit. I recently had my credit pulled and saw this remark was still on there even after they ensured me it was 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 2019-02-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
They are threatening a lawsuit I have the email and its very threatening which I think is illegal

Company response to consumer: Closed with explanation