BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I have yet another inaccurate account being reported on my file, as such I was turned down from XXXX XXXX XXXX XXXX  because of a 30 day late on a XXXX  Card underwritten by notorious liar XXXX  XXXX XXXX/Retail Services ( use to be XXXX XXXX ), I have reached out numerous times, as the account has Zero lates aside from this contrived one. I have never been late always paid in time. In fact for many years, and have run thousands throughout the account and never carried a balance! I want this fixed immediately as I have been harmed!

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 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2020-06-21
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX, XXXX  and Experian not responding properly to false and incorrect information on my credit report that is related to XXXX XXXX loan. My address has been the same for 7 years and the address I use on my IRS tax forms so that neither XXXX   XXXX  or Experian can use the excuse that my address doesn't match when it does in fact match and they have mailed me copies all three of them recently of my credit report. There is incorrect information that is inconsistent across all three bureaus and I am disputing and taking to court XXXX for their illegal practices and contract violations. The credit bureaus need to ensure that when a company submits data they are doing so accurately. With XXXX auto loans all they would have to do is look at my original loan contract and they would see that XXXX is falsifying documents and lying about the information. For example my loan was only a 72 month loan and documented on a contract. However, all 3 credit bureaus report the loan length at 80 months. Also, the account has not been charged off but paid in full. Dates, term amounts, amount owed and status are all inconsistent across all bureaus. The credit bureaus need to validate their source of information. I want all documents associated with XXXX XXXX XXXX that each bureau has recieved to validate the debt, sent to me within 30 days. 

If the credit bureaus can not validate the information they have to report the data on my report my next step will be legal action.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

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 2021-05-14
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wallet was stolen and my identity has been stolen. The accounts that I do not recognize and that arent mine are listed below : Amsher Collection Serv Reported On : XX/XX/2021 Account Balance : {$620.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have had this account since  XXXX   XXXX . I always  ( ALWAYS )  made on-line payments through my bank -  XXXX   XXXX .  XXXX  always  ( ALWAYS )  accepted these payments until  XXXX   XXXX . In  XXXX   XXXX , they accepted the payments and then unbeknownst to me returned them to my  XXXX   XXXX  checking account. In  XXXX   XXXX , I realized the payments were being returned directly into my  XXXX   XXXX  checking account.  XXXX  NEVER reached out to me. Now they have closed my account, and my credit has taken such a big hit I probably can not get a student loan for my daughter 's college tuition. I have complained to  XXXX , yet no one really hears what I am saying. They simply think I am in the wrong without looking at the facts. In fact it feels like no one gave me the time of day. I sent them plenty of proof.

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 2021-11-12
Company: JPMORGAN CHASE & CO.
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:
People are using my social security number to apply for loans .. credit cards. XX/XX/XXXX. I did not apply for loan or credit card with JPMCBcredit services. Someone applied on XX/XX/XXXX. They have my SS number and name. Someone also tried with XXXX XXXX XXXX. A personal loan 2 months ago. I tried to put a freeze on my SS number. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Bread Financial Holdings, 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:
Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: CITIBANK, N.A.
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:
CitiCards has charged me an interest charge for the Months of XX/XX/2022 and XXXX XXXX monthly statements. 
I have always paid each months balance in Full prior to the statement due date. 
I have never had a balance owed from the previous month. 
Each monthly statement was paid by bank transfer and acknowledged by Citicards well before the ending due dates. 
I contacted Citicards customer service and they advised that there was a system problem, however the error has not been corrected- since there has not been a credit issued.

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 2022-09-13
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
TD Bank puts a six day hold on every single check we deposit. They even put a six day hold on a CASHIER 'S CHECK from a major bank. Would you please talk to them. It's a really bad customer policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
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:
I have had this account since  XXXX   XXXX . I alway s ( ALWAYS )  made on-line payments through my bank -  XXXX   XXXX .  XXXX  always  ( ALWAYS ) a ccepted these payments until  XXXX   XXXX . In  XXXX   XXXX , they accepted the payments and then unbeknownst to me returned them to my  XXXX   XXXX  checking account. In  XXXX   XXXX , I realized the payments were being returned directly into my  XXXX   XXXX  checking account.  XXXX  NEVER reached out to me. Now they have closed my account, and my credit has taken such a big hit I probably can not get a student loan for my daughter 's college tuition. I have complained to  XXXX , yet no one really hears what I am saying. They simply think I am in the wrong without looking at the facts. In fact it feels like no one gave me the time of day. I sent them plenty of proof.

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 2022-09-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I sent a dispute letter via certified mail to Equifax, XXXX and XXXX asking to have all Billing Errors removed under 15 U.S Code 1666b and 15 U.S code 1681b. These errors are currently causing me hardship. 

The companies are as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. I discovered a problem when I was denied a credit card from XXXX XXXX for a XXXX card on XXXX. They sourced that on a XXXX XXXX report, a company called Net Credit XXXX had reported a delinquent account was open in my name on XXXX. I call Net Credit and asked what this was about and was met with reluctance to help from their debt collecting department and fraud department. The only information they gave me was a mailing address, phone number, and email address in which the account was opened under. None of which were mine, all the while they kept asking me for more personal information. I told them I will not give them anymore of my personal information because if they can open account in my name ( without my knowledge and consent ), then they should have all they the information they would need on me already. So the call got disconnected and I was never able to get in touch with a representative because when ever I called they would hang up. I called XXXX XXXX ( XXXX and XXXX also ) and filed a dispute on the the debt as well as a complaint with my local law enforcement agency. About XXXX weeks later XXXX XXXX mailed me conclusion that side with Net Credit. I told them that I was not satisficed with the outcome and they reopened the investigation. I have also filed a complaint with the FTC. The other credit bureaus have not given me any findings yet. I was advised by the TN District Attorney XXXX Consumer Affairs to ad the CFPB to the list of agencies that I needed to report this matter to. The debt amount is {$3500.00} with an past due of {$640.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
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: Account status incorrect

Complaint:
I had an  XXXX   XXXX   XXXX  account in collection. I paid the collection agency with a discount and they sent me a letter stating that the debt has been paid in full. However, Experian still reports the debt as in collection. They argue that the debt has to been paid in full, although I explained there was a discount, and the letter explicitly says that debt has been paid in full. I would like Experian to remove that debt from collection.

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 2017-06-12
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I completed  XXXX   XXXX   XXXX  in  XXXX , my Private and regular student loans we 're placed in deferment, I started making payments in  XXXX , then I had to file Bankruptcy in  XXXX , so my loans went back into deferment. I started  XXXX  University in  XXXX  for my  XXXX   XXXX , I graduated in  XXXX   XXXX .  Navient Student  Loans started contacting me  XXXX   XXXX  regarding payments for both student loans, I told them I was starting  XXXX   XXXX  on  XXXX   XXXX ,  XXXX  and needed my loans placed in a forbearance, I was promised that if I made payments on the interest of the loans, they would n't go into default until  XXXX   XXXX  started, then the College would submit status that I was in school and my loans would go into forbearance.I made the payments over the phone with my checking card, and I received a Bill via, E-mail stating my payment was due to to be auto withdrawal from my bank account. When I made good faith payments supposedly towards the principal of the loans, Navient put my account in automatic payment plan and attached my checking card, which I did n't give them authorization to do. Navient is fraudulent in their scope of practice, and I wa n't a investigation into this matter.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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:
I am a victim of EQUIFAX neglection to keep my information safe and accurate EQUIFAX sent out improper credit scores and information, which in fact has caused me damage. This improper data breach that toke place this spring XXXX and is still happening in fact causing me hardship with getting a home and a vehicle and I would like the corrections to be made. EQUIFAX has also been violating my rights reporting inaccurate information on my consume file without my consent which has caused me opportunities to conduct business now and in the future. I have reviewed EQUIFAX 's data sharing policy which I will include a copy in this complaint. In EQUIFAX 's three page data sharing policy which I found https : //assets.equifax.com/assets/unitedkingdom/equifax_data_sharing_policy.pdf on page 3 pursuant to EQUIFAX DATA SHARING POLICY in the consent section it states paragraph 2 where EQUIFAX states they require the organization ( which are the companys reporting to them ) to keep a record of the consent and to provide a copy of it to EQUIFAX upon request. EQUIFAX says they request confirmation of the consent from the companys as part of a rountine audit or in response to a specific inquiry or concern raised by me the consumer the individual that their reporting these accounts about. Well I have requested a copy of the this consent that EQUIFAX says I gave to them and that they have a copy from each and every company that has been paying them to report this information. Pursuant to 15 US code 6821 Privacy Protection for Customer information of financial institutions ( a ) ( 1 ) ( 2 ) ( 3 ) If EQUIFAX can not furnish this copy of the consent I gave which I have never consented to reporting this information I want EQUIFAX to delete these following accounts immediately because it is fraud and defamation of character. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX - LATE PAYMENTS ( XXXX XXXX XXXX XXXX XXXX ) __ XXXXXXXX XXXX XXXX XXXX XXXXXXXX PAYMENTS XXXX XXXX XXXX ) __ XXXX XXXX XXXX- fraud account, does not belong to me

Company response to consumer: Closed with explanation