BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: Experian Information Solutions Inc.
State: TN
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 sent Experian several letters for years. I recently sent them certified letters on XXXX XXXX, 2019 ; XX/XX/ ; and XX/XX/2019I sent letters disputing an account for XXXX XXXX XXXX that does not belong to me. I asked them on many occasions to investigate this account. They all come back with, this account is verified to belong to you. I have asked for proof and method of verification done in this process but was never done. 

I have never had an account with XXXX XXXX XXXXXXXX nor have applied. 

At this point, I am tired of asking them to comply and do their job. I need assistance in this matter.

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 2021-04-30
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TCF Bank has charged me fraudulent NSF fees on my account. They claim that these fees were warranted because the account had insufficient funds. This is not true. The following transpired. 

On XX/XX/2021 there was a POSITIVE balance of : {$520.00} I then used my TCF Debit card ( 3 ) times that day for the following : {$29.00} Bal = {$490.00} {$12.00} Bal = {$480.00} {$8.00} Bal = {$470.00} Then, THE SAME DAY, XX/XX/2021 TCF claimed that there were not enough funds in the account and charged me ( 3 ) {$37.00} NSF Fees. Which resulted in a positive balance of {$360.00} I called TCF customer service, and they were no help. They did refund me {$56.00} of the NSF fees. However, NONE of those fees should have been charged. I then complained to the XXXX, and TCF claims that the fees are accurate. The fees ARE NOT accurate, because there were in fact funds in the account to cover those ( 3 ) transactions. TCF just settled with the government for their illegal fee charging. But it seems that they have not stopped doing it. 

I have attached documents which clearly show that there was enough money in the account at the time to cover these debits. Even if there was a " pending '' transaction, that transaction would not have posted, and therefore no NSF fee should have been incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
This is 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 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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2018-02-13
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX - Received an alert from TransUnion via XXXX that XXXX XXXX XXXX XXXX had requested credit inquiry. 

XX/XX/XXXX - I contacted XXXX XXXX XXXX and informed them this was not 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 2023-06-27
Company: EQUIFAX, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX XXXX 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan transferred from XXXX XXXX XXXX to Nelnet last year. I am in a graduated payment schedule, but was managing to payoff the accrued interest each month and a little payment to my principal. After being forced to switch to Nelnet, i noticed that my accrued interest was not being paid off each month. This was mostly in my higher interest loan. The loan servicer is taking money from my payment to pay the principal on may lower interest loan and allowing interest to accrue on my high interest loan. 

I have made 3 calls to the company and they keep saying this is better for me and there is nothing they can do. My only option is to make direct payments each month to the desired loan or privately refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: LA
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 would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted XXXX XXXX XXXX in XX/XX/2020 as a result of the COVID-19 pandemic. I was granted an extension for the installment dates of XXXX, XXXX, XX/XX/2020 after answering qualifying questions for the COVID-19 payment assistance program. At the time the extension was granted disclosures were read by the XXXX representative explaining the account would not accrue any additional interest as a result of the deferment, and I verbally agreed to this change. 

As of XX/XX/2020 my credit report reflects the following, Collateral - Deferred to XXXX Remarks - payment deferred Payment History - XXXX 2020 - NR Date of last payment XX/XX/2020 As a result of his verbiage on my bureau, on XX/XX/2020 I received notification from another creditor XXXXXXXX XXXX XXXX that due to a drop in my credit score my line of credit has been reduced from {$6000.00} to {$4500.00}. After escalating my concern to the DIrector of Credit at  XXXX, I now understand my credit line was dropped due to this indicator, not due to a reduction in my credit score. Additionally the utilization rate on this card now reflects higher, resulting in a decrease to my credit score. 

XXXX XXXX XXXX granted this extension and disclosed everything except the fact that these remarks would reflect on my credit report. They did not disclose to me that this would reflect as a risk indicator on my credit report to other creditors that I was experiencing a financial hardship. My loan is currently paid up to date. The XX/XX/2020 installment was paid prior to the due date. I am currently not in a hardship. XXXX did not explain or disclose to me that there would be potential adverse activity to my credit as a result of granting this extension. It was supposed to allow me time to defer my loan payments without penalty. I have been penalized by utilizing this remedy offered by XXXX that was supposed to prevent a negative report on my credit for these months. XXXX did not give me the opportunity to decide if I wanted to accept the deferment provided this would cause adverse activity to my credit. I would have resumed payments without a 90 day deferment provided XXXX given me full disclosure how this would effect my credit report. This is not a fair or accurate record of my credit with XXXX XXXX XXXX and is a violation of the FCRA. 

I have reached out to Chase Auto Finance and called the Credit Dispute Processing Department XXXX and my request to adjust the verbiage on my bureau was denied by the representative I spoke to. He refused to give me the name of a party to escalate my concern to and advised I needed to speak to XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: Upgrade, Inc.
State: IL
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:
I tried to purchase car/semi truck insurance for my company ( XXXX XXXX XXXX XXXX XXXX from a company called XXXX insurance XXXX My company was ran under the authority of another company name XXXX XXXX. The guy  running this company is name XXXXXXXX XXXX Well he took my information and purchase the insurance for his trucks instead of mine. I explained this to the credit card company. When I called the insurance company for my refund, the states that they could not refund me because the purchase was made by XXXX XXXX under his company and that I would have to reach out to XXXX or XXXX  card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: FISERV INC.
State: NY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On or around XX/XX/2023 following a telephone call to a phone support specialist, I did fax over the requested documents with respect to my identity as requested. Specially, I advised the account team that my name on the account was incorrect and that such has lead to issues with fraud in the past. Therefore, the documents presented clearly illustrated my identity and as a financial institution the Money Network was/is required to have my true identity reflected on the account and in my name. After faxing over the requested documents, the money network falsely alleged that the documents were never received. Moreover, I have had several identity/fraud alerts since submitting the documents to the Money Network XXXX Based on these facts, Money Network has likely engaged in some type of fraud/identity theft scheme the aim of which is unjust enrichment and/or theft of assets.

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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX NA : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXhas violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Experian Information Solutions Inc.
State: MD
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:
Credit bureau calculations when educational loan is paid off two months early. The score dropped 78 points. Im working hard, paying my bills, and watching my financial health. 
Consumers have the right to know the metric of the three major bureaus use. We have a right to know the triggers that have been set in their systems to increase or drop the consumer numbers. This data impacts everything. There should be more visibility into the process by consumers, transparency builds a great foundation and educates the people being judged correctly or incorrectly. 
I trust government oversight, as a public servant myself, I just want fair reporting and not be penalized for paying off accounts with firm begin and end dates. The system needs an overhaul.

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 2023-06-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Commenity Bank calls every day of the week including Sunday. They call all day long back to back. I have gotten in trouble at work for my phone repeatedly going off. I have had to silence all calls coming in to my phone unless the number is in my XXXX just so I can keep my phone on. XXXX cant record videos or take pictures as soon as I do, one of their calls comes through and stops it. I have told them before that calling that much is harassment. I know I need to pay and Ive apologized to them stating I extend to make payments and I do when I can I am just in a really bad spot financially and cant make the full payments right now. I dont know what to do to get them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: WA
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 kindly request that you update my credit report and remove the public record that is currently listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: Duvera Billing Services, LLC
State: NJ
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 have no idea who this company is. I never payed them anything or did any form of business with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2020 I paid the entire balance on my XXXX XXXX. After submitting the payment my balance showed {$0.00} balance. I noticed at the end of XX/XX/2020 after my credit score kept dropping that I had a balance of {$6.00} on my card unbeknownst to me. As soon as I found out about the balance it was paid on XX/XX/2020. I have never had ONE late payment ever and for XXXX to penalize me to this extent is ridiculous!!!!! My credit score is now XXXX and my balance has been reduced to {$500.00}.

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 explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion has not been complaint with FCRA GUIDELINES. There has been multiple fcra violations across 4 accounts XXXX, XXXX, XXXX and XXXX ; ranging from account transferred with balance reporting, charged-off account reporting late payments and high credits, incomplete payment history, date of last payment contradicts the payment history. Ive disputed these discrepancies with TransUnion only for it to comeback updated and verified with obvious inaccurate information which violates 15 U.S.C 1681

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 2023-06-26
Company: EQUIFAX, 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:
XXXX XXXX XXXX BANK has intentionally refused to remove the late payment I called about as soon as I knew. I even expressed that I had XXXX XXXX  and was told it would not be reported to my credit report per the COVID 19 Cares Act. XXXX XXXX XXXX WENT SO FAR AS TO USE THEIR LIE TO PREVENT GETTING A HOME EQUITY LOAN WITH XXXX BECASE OF THEIR DELINQUENT DEROGATORY REMARKS ON MY CREDIT.

Company response to consumer: Closed with explanation