BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On Friday XX/XX/2022, I received a letter from Transunion consumer reporting agency stating investigation results. The file number is XXXX and date issued XX/XX/2022 stating that XXXX court XXXX  Arkansas docket # XXXX has been verified. The results state the account is verified as accurate but failed to list the company that verified this account as accurate. I have tried to work with Transunion to get their verification and validating process of the accounts that are being furnished by them. I have asked Transunion to send me this information in writing through a compliant and they have failed to do so. I also asked Transunion to furnish me the written consent I gave them to furnish a consumer report on my behalf. Transunion is reporting information of mine that violates my right to privacy to any person that alleges I gave them permission. Please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give Transunion neither direct nor indirect permission to furnish my information. Transunion is violating my federally protected consumer rights. I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day they receive this complaint. I have lost faith in the consumer reporting agency as they do not follow the federal law by furnishing my private 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 non-monetary relief
Consumer complaint received 2019-06-01
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
There is this statement that is on my credit file with Equifax that I did not authorize. Below is the statement : " ALL THESE ITEMS HAVE BEEN DISPUTED WITH XXXX  AS FRAUDULENT PREVIOUS DISPUTE DATE ENDED ON XX/XX/18 I WOULD LIKE THESE ITEMS REMOVED FROM MY CREDITE REPORT THEY ARE NOT APPEARING ON XXXX OR XXXX  ALSO REMOVE THESE FROM MY CREDIT FILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX EMPLOYER ( S ) XXXX XXXX THANK YOU! '' I have asked them several times to remove it, its still appearing on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Synovus Bank
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I contacted first digital credit card they advised I cant used my card after paying it off in full by debit card they said if you paid it by debit card my funds would be released but the problem is they lied after paying my card they freeze it and said I needed to send a copy of my payment by mail they got my money instantly and they are charging me a participation fee monthly for a card I can not use and they freeze the card for 30 days I should not pay the participation fee when I do not have access to my account and if they are doing this to me they are doing this to thousands of their card members violating their own card holders agreement where you are paying for a participation fee and no access to your available credit I do not owe a dime on this card and have paid all late fees participation fees and enrollment fees they have a lot of fees they charge and still freeze the consumers card for 30 days when you do not owe them money but want to be paid a monthly participation fee

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft fraud which led to my credit information being compromised. The proper steps were taken for the fraud related items to be removed from all credit bureaus. XXXX and XXXX has both complied with the removal of the 2 following accounts. XXXX XXXX XXXX opened on XX/XX/XXXX ( {$8500.00} Balance ) XXXX XXXX XXXXXXXX XXXX  opened XX/XX/XXXX ( {$26000.00} Balance ) Experian Credit Bureau has yet to remove these 2 accounts, they are still being reported and updated monthly by Experian. XXXX and XXXX has already removed the accounts and no longer reports.

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 2022-12-11
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was notified by Chime ( My financial institution ) that several transactions were being made via text message and each message asked if this was an authorized or unauthorized transaction ( So Chime knew there was suspicious activity and notified me ). I called Chime and stated that these charges from XXXX, CA ( I live in XXXX  ) were not authorized by me and filed disputes on the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total- {$680.00} Chime still released the funds and asked me to provide supporting documentation which I sent to them. They denied my reimbursement, made me stay on hold for over 3 hrs and I had to call them back from another line and to make an appointment to speak with a supervisor the next day and they never contacted me. 
I contacted XXXX disputes today to reopens the disputes in order to desperately seek CFPBs help to regain the money that was stolen from me. You cant speak to anyone from Chime only their third party call center. I can not help but help violated and taken advantage of with no help or care from Chime. I would really like the opportunity to send over the documentation for evidence purposes and the opportunity to discuss the details in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Bread Financial Holdings, Inc.
State: WA
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 COMENITYCB/ZALES Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I figured out that I have uploaded fake items in my credit report. I consider it as a spam or error because accounts are not mine. Could you please figure out who could do it with me and delete these items. I am so sad to have this ridiculous situation

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX 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 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 XXXX 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 2022-11-15
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 Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Recently I disputed an account with XXXX and XXXX replied back saying that the account was verified. 



However, XXXX have stated a complete lie and has failed to do a proper investigation. 

XXXX. XXXX XXXX XXXX XXXX XXXX is listed on my XXXX credit report as a XXXX XXXX account when its an old utility account. If the proper investigation was done whom did XXXX get this information from that it was a XXXX XXXX case? 


XXXX. Not only is it an utility bill but the account is charged off as well reporting with a {$950.00} balance. How is that possible? 


Its clear that XXXX is violating my rights under the FCRA and gave refused to correct their unlawful practices after many attempts which is defamation of character and a hindered to 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 2022-12-12
Company: EQUIFAX, 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 has violated My rights XXXX XXXX XXXXXXXX has violated My rights XXXX XXXX # XXXX has violated My rights XXXX XXXX XXXX has violated XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated My XXXX XXXX XXXX XXXX XXXX has violated My rights XXXX XXXX # XXXX has violated My rights XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Exquifax has violated My rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or is reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I submitted dispute letters to XXXX indicating that information reported by US BANKRUPTCY COURT, XXXX NEW JERSEY Account # XXXX was not valid or accurate. I also included in this letter that " THIS ACCOUNT DOES NOT BELONG TO ME ''. Attached to these letters I included a letter from XXXX dated XX/XX/XXXX ( who XXXX uses to obtain information ), stating that XXXX has deleted the US BANKRUPTCY INFORMATION FROM MY FILE BECAUSE THEY WERE NOT ABLE TO. VERIFY THE INFORMATION. I also attached a letter from the US BANKRUPTCY COURT, XXXX NEW JERSEY stating the court DOES NOT provide or report to credit bureaus. 

On XX/XX/XXXX I received a reply from XXXX stating that they have verified the information to be accurate and would not delete the information from my report. I also spoke to XXXX on the phone several time and was told that they verified information with the US BANKRUPTCY COURT and XXXX. How is this possible when I attached a letter from the US BANKRUPTCY COURT stating they do not report to credit bureaus and Also That I attached a letter from XXXX stating they deleted the information from my file last year. Even with this proof of these letters XXXX refused to comply with the law and is violating my rights under the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). I am attaching a copy of my credit report showing how egregious these violations are. 

The continued reporting of this invalid and negative information on my XXXX credit report is negatively impacting my credit score and interfering with my ability to obtain financing. IF THEY REFUSE TO DELETE THE INFORMATION I WILL FILE A LAWSUIT SEEKING DAMAGES IN COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I filled an insurance claim for two lost/stolen items through my XXXX XXXX Credit card with Amex on or around XX/XX/2022. Claim number is XXXX. I provided all of the appropriate documents and Amex denied the claim for reasons unknown to me. The dates of the purchase and the circumstances were totally in-line with the purchase protection insurance. 

In XX/XX/2022 I filed the same claim again ( XXXX ). And went through the process of providing the same documents and additional written explanation. I received a notice in the mail asking me to call the insurance department as they had questions. I did ; after answering the questions, they submitted the claim and told me I should hear back very soon. After a few more weeks with no update, I called the same number and the person advised that I was required to call in and answer questions. I told them I already did that ; they had no record so we repeated the process. I provided all required documents and answered their questions over the phone. In XX/XX/2022, I received a notice that the claim was closed because I did not provide information that they requested. This made no sense. It seems like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
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 status incorrect

Complaint:
My loan was sold to XXXX XXXX XXXX at approx. the end of XXXX. My loan stated I did not make the first payment on XX/XX/XXXX which I did to the previous loan holder XXXX XXXX. Numerous attempts to correct the payment discrepancy went unfix by XXXX XXXX Only until threating a lawsuit did loan care state they would investigate. My credit was hurt by false reporting of XXXX delinquent payment when I provided proof of payment through my bank statement and XXXX XXXX documents. I have not been able to apply for any loan due to my credit score dropping 100+ points along with my mothers credit score. I was still in the 60 day reprieve window for a loan being sold and protected under RESPA. Loan care violated federal law.

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 2022-12-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage company round point mortgage sold my mortgage to freedom mortgage. My original payment was $ XXXX monthly which round point claims increased to almost $ XXXX due to an increase in home insurance and property taxes which isn't true. During the pandemic while in forbearance they charged a bunch of misc fees and now that I'm with freedom mortgage I owe more than my original loan from 3 years ago. Please help or advise.

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 2022-12-12
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 3 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of XXXX, I ordered an island for my cabinet at Home Depot. They had a promotion for 24 months with zero interest. I decided to take the promotion. I have made all of my minimum payments on time and never missed any payments. I recently noticed that all of a sudden the remaining balance ( which I was planning on paying off fully ) has increased. 
My payments were on automatic payment. So I didn't login to my account every single time to make a payment. 

In XXXX of XXXX my promotion ended. And since Home Depot doesn't send any notification about the promotion ending I did not realized that until my next billing cycle. After I realized my balance have increased. I logged into my account and come to find out that there was a deferred interest of {$1300.00} applied to my balance. Since at the time of opening the account there was no information communicated about deferred interest that kicks in after the XXXX time is up. Considering the purchase this deferred interest is not insignificant. and since Home Depot doesn't communicate that the promotion is ending and we will charge a deferred interest if you have your payment on auto payment you can easily miss that. 

I believe this is completely intentional from the side of the company to catch people missing their deadline and getting charged for the entire periods ' balance plus the interest. All of this makes me think that I am ill advised at the time of purchase and I am being betrayed by this company. 

When I called the company on XX/XX/XXXX, they told me that the grace period is over, even though I offered to pay my balance right away ( which I have already ). But given that they don't send any communication to the card holder regarding deferred interest and the grace period ending, I find it extremely dishonest. 

I believe this is creating a precedent for others who also have been or will be in the same situation and either because the balance was small or they didn't know how to solve this situation, they ended up paying into this scam. I believe Home Depot needs to be forced to send their customers clear communication when any promotional rate is ending or if there is going to be a deferred interest being charged. I know as a consumer I have a right and a representative, that's why I am writing you. 

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 monetary relief