BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
TJMaxx Is refusing to give me a card with my middle initial or middle name. They are doing this because XXXX city and authorities leaked my inforamtion without my middle name. I believe they are letting people use my information without my middle name and it is affecting my credit and I am contantly having to prove my identity and proof of payment with the same name. I am not attempting to help people use my information. Please help use the right information. I do not want to use the wrong information on my card and I do not want to help others use the wrong informaion by providing an a accoint with you for others to use in XXXX. I do not live or have a coonection to XXXX, I moved from there in XXXX of 2018 please do not allow any one in XXXX to use my information.

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 2016-08-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On or about XXXX XXXX, XXXX I disputed items on my Experian Credit report ( XXXX and XXXX was to be next ). The items are XXXX XXXX XXXX 's reporting of two tradelines that are duplicated, both containing truncated account numbers that I 've never possessed. I specifically disputed the duplication and the account balance of {$8000.00}. 
In in re : XXXX, Chapter XXXX file XXXX XXXX, XXXX in the XXXX XXXX of XXXX. I was domiciled in XXXX however, I was and remained a resident of XXXX and XXXX exemptions were found not to apply in favor of XXXX. Therefore, Mississippi statutes were found to apply. I later returned to XXXX. Statute of Limitations ( XXXX XXXX When statute commences to run on open accounts ) ran on any alleged debts on or about XXXX XXXX, XXXX. XXXX also has a statute of repose ( XXXX XXXX. Completion of limitation extinguishes right ). During the stay, XXXX XXXX XXXX sold the alleged account to XXXX who forgave the alleged amount ( XXXX XXXX XXXX - having problem finding this document ; hence statute of limitations ). First noticed in XXXX XXXX, XXXX XXXX XXXX reported account tradeline and " Discharge in Bankruptcy, Bankruptcy Dismissed '' with a " XXXX '' balance. I have never seen XXXX XXXX XXXX 's tradeline but there was collection activity. Date of last activity was XXXX XXXX on XXXX XXXX XXXX 's tradeline. 

Beginning in XXXX XXXX, I sought to refinance my house. On or about XXXX XXXX, XXXX, XXXX XXXX XXXX reported to all XXXX credit reporting agencies with Experian reporting two tradelines with account numbers that I never possessed using a controversial debt collection technique known as " parking a debt '' ( and found to be a violation of the FDCPA by several courts ) This foreclosed the possibility of refinancing my house and has cost me thousands of dollars in savings over the course of my mortgage. 

As mentioned above, on or about XXXX XXXX, XXXX I disputed the two tradelines with Experian. On XXXX XXXX, XXXX they completed their re-investigation and doubled down on the amounts owed on both tradelines that is clearly a duplication with the amount owed as {$8000.00} or a total of {$16000.00} of alleged debt with two account numbers reported that I 've never had with XXXX XXXX XXXX. My credit scores ( reported by XXXX XXXX ) dropped from XXXX on XXXX XXXX, XXXX to XXXX today ( XXXX XXXX, XXXX ). There are two dates of last activity on the differing accounts with the same amount owed. XXXX XXXX XXXX and Experian are in violation of many federal laws ( FCRA, FDCPA ) and XXXX Law and now XXXX. However the cost of hiring an attorney and prosecuting a case is ridiculously high for two financial companies in which this is " normal business. ''

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 2022-05-26
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 XXXX  Account # XXXX and 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 2017-03-19
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I went online in XXXX 2017 noticed a fraudulent charge of {$35.00} on my Macy 's Amex credit card, a card which I have n't used in a very long time. I contacted Macy 's customer service and told them of the fraudulent charge and they told me they would investigate. Three weeks later, they sent me a form to fill out which asked me to detail the specifics of the charge, including date, transaction name and amount. I was not able to do this as Macy 's has refused me access to my account online and had not sent me a statement showing the fraudulent transaction. I have the legal right to receive my account statements and have them sent to me. They deliberately ask for information and then disallow the card holder from being able to gain access to their own account. In addition, this fraudulent charge occurred probably because Macy 's does not require the use of the XXXX-digit security code on a card when making an online purchase. I rarely, if ever, used this card but obviously someone in the Macy 's organization is leaking account numbers. If Macy 's enforced the use of the XXXX-digit security code which verifies the person charging a transaction has the card in hand, I would n't be in this position I am now, trying to defend myself from a fraudulent claim. Lastly, I did n't charge anything on this card and want them to remove the charge from my account permanently.

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 monetary relief
Consumer complaint received 2016-10-21
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Under the Derogatory Account section of my Credit Report appears XXXX ( XXXX ) for {$1300.00}. I have no idea what this is and it has negatively affected my credit score and ability to obtain a car loan. I have only XXXX credit card a Visa.

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 2022-08-04
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2016-10-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I am having significant issues with the seven year fraud alert the credit agencies are to use once you have been a victim of identity theft and filed charges. After the alret was placed on my SSN - The same person used it again ( after the alert was placed on the account ) to apply for a job. The credit agency - EXPERIAN - shared my personal information with XXXX ( background check ) - who then sent a copy of my information to XXXX XXXX XXXX ( job applied for ) and the applicant. The alert did nothing to prevent this from happening or protecting my confidential information. When I called and spoke to XXXX XXXX and Experian its like kindergarten - no one did it. Experian not only provided this company with information but the theft used his own name and they sent the information to XXXX with AKA ( my name ) - like we are the same person! After I had gone through all the phone calls, getting the security alret on my ssn, police reports, court appearance etc.. and they still did nothing to protect my information. They actually helped him do it by stating AKA ( my name - and im a female! ) As a victim of identity you should not be treated like an criminal or an idiot and thats exactly what Experian ( especially ) has done. I called Experian and spoke to several people - passed from person to person and no one had an answer - they also lack good customer service.

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 2016-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This is a complaint about checking my credit report to find unauthorized credit inquiries on my credit report that was not requested by me that Experian continues to verify. 
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 explanation
Consumer complaint received 2016-02-23
Company: CITIBANK, N.A.
Product: Credit card
Issue: Billing statement

Complaint:
Dear Sir/Madame, Good Day! I would like to inquire about Citibank the way they give a billing.I here in XXXX XXXX.I have a citibank credit card.My concern is.I have a bills amounting XXXX in XXXX rupees.But I failed to pay the exact amount which is XXXX due to financial difficulty. 
The only amount I payed is only XXXX.Then I received a mail below. 


We confirm receipt of your payment of XXXX and the same has been credited to your card on XXXX XXXX, 2016. 

The total amount due as per the XXXX 2016 statement is XXXX and minimum due amount is XXXX with a payment due date as on XXXX XXXX, 2016. However, the aforesaid payment is lesser than your minimum amount due. 

Late Payment Charge will be levied if the we are not in receipt of any payment within the due date or the payment made is less than the Minimum Amount Due. 

Interest will be charged if you do not pay back the previous bill in full and also on all Cash Advances from the date of transaction until the date of settlement. If a part payment is made, there would be no interest free period and interest charges would be applicable ( including on fresh purchases, if any ) via an average daily balance method. 

Hence, we request you to remit the remaining payment within the due date to avoid levy of charges. 


Thanking you Sincerely XXXX Manager - Customer Care I have a remaining XXXX in my savings account.When I check it its already gone in my savings account.Then I noticed that citibank take it.My question is is this fine for them to get that amount without informing there costumers. 
Please give me advice an advice regarding my concern. 

Regards, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX EXPERIANAccount has been paid in full by creditor, legally resolved with lawyers five years ago, I told this to the collection company, but they still put on my credit reports. 
Company XXXX Status CollectionsStatus Date XXXX $ XXXX Date N/AAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX companies are buying old credit reports, and are phishing to collect. This should be illegal and companies should be held responsible. These companies should not be allowed to put any negative information on credit reports without a mediator.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/15 I was Notified that My husband owed {$1600.00} to Transworld Systems Inc for a medical Debt from XXXX XXXX XXXX. I called them and was able to get any information regarding the account other than I owed them. I called XXXX and they said that I only owed {$580.00} and I have to pay it to the Collection Company. So on XXXX/XXXX/15 I Paid the {$580.00} to Transworld System INC. They still stated that I owed {$1000.00}. I told them that no My insurance has settled with XXXX town they said that they would have to send a request for the information from roop town to have the adjustment. So Once the payment was made I asked that Transworld when I would be receiving a receipt. They told me that It would take 30days to issue a receipt for payment. I then Asked If I could be emailed or faxed it they told me no they do n't do that. So on XXXX/XXXX/15 I called to see if it had back to Transwold because the debt was still showing up on my husbands credit report. So I called both XXXX and Transworld and neither had talked to each other XXXX still was not notified of me making my {$580.00} Payment to Transworld and Transworld Still had no information about the insurance adjustment. Being that We are in the middle of trying to closed escrow on a home I let them both know that I needed them to communicate with each other and get this clear. Both Said that they have sent a request over for information but nothing has been sent back. I have called every day since ( mom-Fri ) and tried to get this issue cleared and as of today XXXX/XXXX/15 Transworld has closed the account but still say I owe {$1000.00} and have yet to notify XXXX XXXX that I paid {$580.00} to them. So XXXX still say I owe {$580.00}. At this time we have had to extend the closing date once due to not being able to get this account closed with a {$0.00} balance. I have requested a receipt several time and TransWorld has yet to give it to me.. They faxed my Loan Officer a Letter yesterday stating that I still owed $ XXXX.But no receipt for the payment of {$580.00}. When I call they say the account has been closed. I feel as if they are holding us hostage. We are currently living in a motel since we where expected to move in to our new home on XXXX/XXXX/15 and had to be out of our current home on XXXX/XXXX/15. All of this due to them being not willing to communicate with the original creditor to clear up the situation. I have offered to send them the information but Transworld was un willing to take it. I am very frustrated and feel very upset and Do n't want to see this happen to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: LEXISNEXIS
State: WI
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:
lexisnexis won't let me get my credit report the code they sent me in the mail to access it online does not work and shows a error screen and i can't get my report it does not work

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion has police reports on file & I have an fraud alert on file I 'm a victim of ID theft I have had my credit pulled that was NOT authorized by me from 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 all of these were NOT authorized by me these Inquires are all Fraudulent & Fraud I demand to have these removed ASAP or give me the address or phone numbers to these places to get these removed because they were all NOT authorized by XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX # XXXX and XXXXXXXX XXXX XXXX XXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-05-26
Company: EQUIFAX, INC.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXXXXXX XXXX XXXX # 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
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: Their investigation did not fix an error on your report

Complaint:
To whom this may concern. I sent a letter to XXXX and Experian regarding my credit report and stated that the late payments were inaccurate and incomplete, and for them to immediately remove all late payments. They did not investigate, neither did they remove the late payments. They updated my profile. The letter is below is what I sent to each credit bureau. 


To Whom It May Concern : According to the Fair Credit Reporting Act, 15 U.S.C 1681, you are required by federal law to report accurate and complete Information. The highlighted account is not accurate. How can the monthly payment be both {$35.00} a month and {$0.00}? This is inaccurate. You are in direct violation of 15 U.S.C 1681. You are also in direct violation of 15 U.S.C 1681e ( b ) which states whenever a consumer reporting agency that prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, which was not done. I demanded you to remove the late payments, not update. Please remove all late payments IMMEDIATELY of the accounts listed below.

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 2022-05-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
target red card sent me a letter on XX/XX/18 saying my account is closed which is so mind bothering i did nothing wrong i submitted my payment now they closed my account and this going to affect my credit score i asked them to let me submit letter from my bank but i keep getting hanged up on from over seas reps i feel discriminated from all of this i even made means right, i returned the items i bought to get back to my balance even made a payment at the store the other day please open my account back.

Company response to consumer: Closed with explanation