BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
According to TransUnion XXXX XXXX XXXX  XXXX  XXXX met FCRA requirements. In XX/XX/XXXX I went over the credit limit. XXXX XXXXXX/XX/XXXX XXXX were quick to report it to all 3 bureaus. The day after I realized I went over the credit limit I made a payment to bring my balance under the credit limit. XXXX XXXX XX/XX/XXXX XXXX were not quick to inform the 3 bureaus I made a payment. I contacted XXXX XXXXXX/XX/XXXX XXXX and informed they report all payments at the same time to all 3 bureaus. XXXX is behind in its reporting of my payments. How is this fair to the consumer? The positive and the negative should be reported quickly.

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 2023-03-31
Company: EQUIFAX, INC.
State: AR
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 {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX {$0.00} XXXX XXXX {$3300.00} XXXX XXXX {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$220.00} XXXX  XXXX {$2400.00} XXXX XXXX {$5200.00} XXXX {$1600.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX XXXX {$1500.00} XXXXXXXX XXXX {$1500.00} XXXX {$160.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX My consumer rights has been violated according to 15 U.S. Code 1681. Inaccurate information is listed on my report which should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Clarity Services
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, XXXX, CLARITY, XXXX ETC. ARE FALSELY REPORTING NEGATIVE INFO FROM EACH OTHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Experian Information Solutions 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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit. XXXX XXXX ( XXXX : XXXX Experian : XXXX ), Unknown Name ( XXXX : XXXX ), XXXX   XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), SXXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX ( Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XX : Experian : XXXX XXXX : XXXX ), XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX : XXXX Experian : 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 2018-08-29
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX department stores credit card XX/XX/2014 {$230.00}

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 2022-07-06
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 received copy of my credit report, and i saw accounts which are not belong to me. 
I believe, that i was victim of identity theft, someone used my personal information and applied for all these accounts, i'm not responsible for all these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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:
I received copy of my credit report, and i saw accounts which are not belong to me. 
I believe, that i was victim of identity theft, someone used my personal information and applied for all these accounts, i'm not responsible for all these debts.

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 2017-08-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been in constant contact with XXXX XXXX with Equifax. I initially emailed the CEO because I noticed numerous accounts in good standing were being removed from my reports without any notification. I received an email back from XXXX to contact her. I advised her of what was showing on my reports and what was missing. She said she would do an investigation and would see about getting these missing accounts back on my report. Fast forward to XXXX, I tried to get my three fico scores from XXXX. I could n't because again Equifax was n't releasing my information. I contacted XXXX again who basically told me to NOT contact her again and to contact the regular customer service. Today ( XXXX ) I tried to get my updated scores through my subscription with XXXX and again Equifax is coming back with an error. I have n't gotten any real info from Equifax as to why this is STILL happening and WHY accounts in good standing ARE STILL BEING REMOVED. I think it 's absurb that I dispute accounts that are wrong and they come back verified but I do n't dispute accounts that are in good standing and somehow they are removed. I also sent proof that my student loans were n't late for a certain period and they have yet to fix that!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to the CFPB due to not hearing anything back from the bureaus in regards to a account on my credit report! I have asked them to verify for months and send me where this is coming from. I even wrote the creditor. I need help identifying this account to see what it is. This account is affecting my credit report and I want to get this taken care of if this is indeed my account! No response makes me wonder where its coming from and what has been sent to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Over the past year and a half my credit score has dropped nearly 150 points. This in spite of the fact that my credit history is flawless on their own reports. It has been that way all my life. Nothing financial has changed in the last year and a half. What the agencies claim justifies the reduction is my low number of open accounts. That too has not changed for years. I am retired and have a decent SSA and portfolio income. I applied for an additional credit card to increase my accounts and the credit checks count as an additional negative. I own my home and cars. I recently bought a new XXXX and paid cash. That apparently was financially irresponsible of me according to the agencies. These people are malicious and need to be better regulated.

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 2022-07-06
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a borrower requested PMI cancellation request due to improvements on XX/XX/XXXX to NewRez. I completed paperwork and submitted with a personal check for a XXXX XXXX XXXX ( XXXX ). I was denied the request for high LTV after their fresh valuation. I contacted requesting a copy of the XXXX I never received because I vehemently disagreed with the reason, so I expected to be able to see the calculation ( as they promised to provide ). Received another letter XX/XX/XXXX stating it was denied because they never received the paperwork. Responded disputing this new reason evidenced by the earlier letter saying I was denied after a fresh valuation due to high LTV and the fact they had processed my check for the XXXX and all documentation was sent together. XX/XX/XXXX received letter claiming all this was due to inadvertent errors on their part, XXXX was never ordered and they had now ordered ( 3 months later ). XXXX was completed on XX/XX/XXXX and was assured I would have a determination within 30-45 days. It has now been 54 days with no further correspondence on their part. They are impossible to contact directly and what I thought was poor internal controls and management I now believe is a delay tactic use for financial gain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXXXXXX XXXX  XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statem
ent is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-07-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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 2022-07-06
Company: Experian Information Solutions Inc.
State: OK
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:
My personal information was breached in spring XXXX. A Fraudulent credit account for {$400.00} was opened by XXXX bank. I discovered this in XX/XX/XXXX when pulling a credit report. I contacted XXXX Bank immediately but they withheld information and were uncooperative. They completed their own internal investigation and found nothing wrong. This fraudulent account continues to negatively impact my credit.

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 2017-08-16
Company: Blue Brick Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received an advertisement in the mail from this lender that is obviously not true and not in compliance with full disclosure. They are advertising NO CLOSING COSTS. This advertisement is misleading and false, because the closing costs are built in to a higher interest rate. The consumer is still paying closing costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR
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:
Received another statement from Mortgage Company that wasn't belong to us. Old account is part of Bankcruptcy recording..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
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:
Attached you find a payoff letter from XXXX that states loan was paid in full as agreed. It was not part of Bankruptcy.

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 2022-07-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX  is mistakenly reporting me late as of XX/XX/2022. This is a complete error and needs to be rectified immediately. Please see the attached paperwork. This account was paid off on XX/XX/2022 so the late on XX/XX/2022 is an error. There was a payment of {$2000.00} the month prior too ( XX/XX/2022 ). Please remove the late asap please.

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 2022-07-06
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:
I am a victim of identity theft The information listed does not relate to any transaction that I have made Please block this information from my report, pursuant to section 605B of the Fair Credit Reporting Act

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 2022-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The Capital One XXXX XXXX transfer portal has been down for maintenance for weeks and Capital One has not issued any timeline or communication on when this issue will be resolved. All 17 transfer partners read down for maintenance so award travel can not be booked and this is concerning during the holiday travel season. I reached out to capital one via social media and only response I received was this feature has been temporarily shut down for members but no timeline when it will be working again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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:
I asked the credit bureaus to do a verification on my credit report, and they did. But did my own research and found improper actions on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-12-22
Company: Experian Information Solutions Inc.
State: SC
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 and Experian are all reporting unauthorized collection accounts on my consumer report which is hindering me from purchasing my first home for me and my children. I never gave any of these credit reporting agencies oral or written consent to report any of these collection accounts on my consumer report. I don't think its fair to me that they can just report whatever they want on my behalf without getting my permission.

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 2017-07-05
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I originally contacted XXXX XXXX to settle the debt and they said to go in when on the phone when I did sthey recanted and sent it to a collection agency that never sent me anything, I did have medical insurance that should have been billed and they never did. Now I have a debt of almost {$6000.00} that they expect me to pay. I have disputed this and requested that they send me something in writing of that account through the credit bureua and all I got from the credit bureu was that its valid with no proof the individual at the credit agency said we dont contact them just run it through an electronic system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft The information listed does not relate to any transaction that I have made Please block this information from my report, pursuant to section 605B of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened a Care Credit credit card account about 2018 for dental work. The credit card is set up to have deferred credit. You are given a set amount of time to repay charges interest free. If you don't meet the deadline then interest will accrue including the deferred amount. When a new purchase is made, it has it's own deadline. The issue is in the application of payment. Payment is applied to the newest purchase and not the oldest. Therefore, high interest is accrued on the oldest purchase with payment being applied to the newest purchase. This is a way for Care Credit to gouge interest income. My complaint is that applying payment to the newest purchases and not the oldest purchases is deceitful. Payments should be applied to oldest purchases first. 

I have attached a copy of a Care Credit statement. Page XXXX under XXXX  XXXX  Calculations shows how Care Credit calculates and charges interest. Under XXXX XXXX XXXX XXXX terms and conditions are explained EXCEPT the fact that payments are applied to the newest purchase.

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 2022-02-03
Company: Affirm Holdings, 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:
I HAVE YEARS TRYING TO REMOVE THESE FRADULENT ACCOUNTS FROM MY CREDIT REPORT. I HAVE SENT WRITTEN REQUESTS. I HAVE TRIED OVER THE PHONE. I HAVE FILED A POLICE REPORT. FILED IDENTITY THEFT REPORTS. THE CREDIT AGREED TO REMOVE THE ACCOUNTS FROM MY REPORT BUT NEVER DID. THESE ACCOUNTS ARE AFFECTING MY ABILITY TO PROGRESS IN LIFE.

Company response to consumer: Closed with explanation