BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 XXXXXXXXtransunion has me at a score around XXXX. 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 XXXX 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 XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX now im XXXX n cant provide to my XXXX year old 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 explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: PA
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:
15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

They do not have my permission to report on my consumer credit report. 
I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine letters have been sent certified mail and return receipts have been received by me. 

These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed 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 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 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

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 2022-11-25
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
hello, i sent a validation letter to iq data an to all three credit bureau. i never got a validation letter from the debt collector to say what i owe an documentation, then the credit bureau said they validated it. how can that be when the debt collector cant even validate the debt. then i looked at my report an i see outrageous interest charges. it went from XXXX to XXXX an the interest charges keep going up an down every month. i know that's against the law. an on my credit report it says there an attorneys. this company has broken lot of fcc laws an keeps breaking them when reporting false info on my credit report. how do you send a validation letter to a XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
Company: MST Financial Services, L.L.C.
State: ID
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 submitted two disputes online, one on XX/XX/XXXX and the second on XX/XX/XXXX to the credit bureaus. My rights have been violated by not doing a fair and complete investigation on these accounts and by not notifying me with the results. 

Two accounts on my credit report increase the balance every month. 
XXXX Account # XXXX Chapman Financial Account # XXXX XX/XX/XXXX, XXXX balance increased by {$1.00} XX/XX/XXXX Chapman Financial Increased {$7.00} XX/XX/XXXX XXXX increased {$1.00} XX/XX/XXXX Chapman increased {$8.00} XX/XX/XXXX Chapman increased {$9.00}, XXXX increased {$1.00} XXXX XXXX is also showing a payment was made on XX/XX/2016 when I have never verified this account nor made a payment to them. 

I don't believe the balances should be changing as these are collection companies, not original creditors. They are also showing a past due balance, when they are collection agencies and should not be reporting past due balances as I have never had an agreement to make a payment with them so how can something be past due?

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 2022-10-26
Company: Experian Information Solutions 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: 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 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 2022-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, self purporting to represent Bank of America, is actually boldface asking the bankruptcy court for 2nd extension of time to respond to my complaint of wrongful foreclosure by XXXX XXXX XXXX, a self purporting trustee on a XXXX deed of trust, that filed non judicial action against me, not against the bankruptcy trustee or against the trust estate, telling the court that hes is engaged in private dealings with the local US Trustee contractor XXXX XXXX, behind my back, so he doesnt have to engage in dispositive briefing regarding BOA time-bared non judicial action under AS XXXX, which also violates RESPA 6a mandatory direct mitigation efforts with the homeowner before any foreclosure action, and also violatioing AK statute XXXX which clearly prohibits the non-judicial process from parties that have already litigated the mortgage before in court.

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 2021-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to my credit report and I haven't received a status update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: QC HOLDINGS INC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
On XX/XX/XXXX I received a voicemail from XXXX XXXX saying that they ( XXXX XXXX ) would becoming to serve me notice with a uniformed officer. She stated that a company called QC Holdings was trying to collect {$2000.00} from me for a loan I didnt receive, I called the company and left a message for them to call me. I honestly do not know of this loan that this person said I got in XXXX. She called again today and said I better be home to receive the notice. She also called my daughter while she was at work and this is totally uncalled for being that they had already gotten ahold of me. I have spoken to someone at this office twice already. Then my ex-husband informs me that he was notified of all this. Please let me know what to do. I believe the number for the company is XXXX. I left a message. Have never done business with lendnation or QCholdings.Also the number left on the voicemail was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased a couch from crate and barrel on XX/XX/2023 with total cost of XXXX $ during that time frame, crate and barrel had a XXXX day promotion if you sign up for the crate and barrel credit card you will receive a 20 % back reward points total of XXXX $ from my purchased. I applied for the crate and barrel card to receive the reward points, but instead of charging to the new opened crate and barrel cc, the purchased automatically was charged to my XXXX card hat was already on-file. 
Multiple attempt was called to crate and barrel customer service to reverse the charge from my XXXX card and to be transferred to the crate and barrel card. 

On XXXX of 2023 the issue was resolved and I was informed that I will received my rewards point 1 to 2 billing statements with the 20 % promotion. On XX/XX/XXXX my first billing statement came and received {$720.00} rewards point. I called the crate and barrel synchrony bank customer service on XX/XX/XXXX to follow up on the remaining rewards point that was owed to me. On XX/XX/XXXX a resoulution was made and was informed that I will received the remaining rewards point in 2 billing cycles. On XX/XX/XXXX I called to follow up and was informed that it will be posted on my XXXX statements. XXXX statement came and the remaining rewards point did not apply. 
I called once again on XX/XX/XXXX to follow up and was told that it will be posted on the XXXX statement. The XXXX statement has uploaded and still no reward points. I called the 4th time on XX/XX/XXXX and was transffered to XXXX ( the account manager ) and was informed that all they could do is to follow up once again and to wait the for another 1-2 billing cycle. This issue has been ongoing since XX/XX/XXXX the day I signed up for the crate and barrel card. Totalling of 7 months. 

At this point XXXX XXXX promotion and XXXX promotion has been posted with many sale that I could not partake due to not receiving the rewards point that was entitled to me. In addition, I asked for a copy of the note that was inputted in my account with all the interactions that I had with their customer service representatives, but was informed that I could not get access to the information/interaction. 

I am concern that many will fall victim to false advertisement and that synchrony bank is purposely withholding the rewards point during the holiday season to benefit them rather than the customers.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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:
This is a collection that is being reported illegally this is violating my privacy and HIPAA law. 
Please remove from the credit report or you're opening yourself up to litigation. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2022-07-27
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$310.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit 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:
Home Depot is reporting two purchases on a card ( ending in XXXX ) which I have never had in my possession : {$380.00} in XXXX XXXX on XX/XX/, & {$120.00} in a XXXX Home Depot on XX/XX/. I have advised Home Depot that I never had that card, & that I did not make those charges. 

Home Depot removed the {$120.00} from my statement but the {$380.00} charge is still showing. I have changed my account password to help prevent this type of fraud in the future.

Home Depot is now tracking a new card # XXXX on my account. I have not received the referenced card.

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 2022-06-23
Company: Experian Information Solutions 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, XXXX  Account # XXXX, has 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 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 2022-06-23
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, XXXX Account # XXXX, has 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 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 non-monetary relief
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  Account XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account XXXX, XXXX XXXX  Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX, XXXX  Account XXXX, has 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

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 2023-08-27
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2023 NAVY FEDERAL CREDIT UNION conducted a manual review of my credit card account ending in XXXX for an automatic credit limit increase and has committed Adverse Action against my right to credit as defined under 15 USC 1602 by denying me a credit limit increase. NAVY FEDERAL CREDIT UNION has denied me my own extension of credit via my credit card defined under 15 USC 1602. NAVY FEDERAL CREDIT UNION has discriminated against me by denying me a Right and for the purpose of me exercising a Right being in violation under 15 USC 1691 ( a ) ( 3 ), ECOA, 18 USC 242. NAVY FEDERAL CREDIT UNION has committed a violation under 15 USC 1691 ( d ) ( 6 ) under Adverse Action which states -- -- -- - '' Such term does not include .... or where such additional credit would exceed a previously established credit limit '' -- -- --. Congress has clearly and directly stated there is no adverse action for a credit limit increase. This unlawful denial of my right to my own extension of credit as defined under 15 USC 1691a has caused me financial harm and mental anguish and has caused me to feel severely discouraged and to lose confidence in the banking system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report. 

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report. 

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
No consent is IDENTITY THEFT! 

XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX  He told me it was going to be a soft inquiry and not hit my credit score. he was very misleading

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 2022-06-23
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: Account information incorrect

Complaint:
Equifax report a collections account " XXXX XXXX XXXX ''. I have no knowledge of this account. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account.

Company response to consumer: Closed with explanation