BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-03-07
Company: MORGAN STANLEY & CO. LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
Dear CFPB Director : 1. XXXX XXXX ( now becomes Morgan Stanley ) claimed my 4 shares of XXXX stock from CA XXXX XXXX XXXX without my permission. 

2. On XX/XX/1992, CA XXXX XXXX XXXX paid $ XXXX.to XXXX XXXX XXXX XXXX 

3. I have contacted Morgan Stanley for last 5 months and requested Morgan Stanley refused.to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : 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 2022-07-29
Company: Nationwide Recovery Systems, Ltd
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: Problem with personal statement of dispute

Complaint:
Last year in XXXX this same Creditor filed on my credit report it is a medical collections that came from a Collector 's office. So i disputed it with XXXX and XXXX and they took it off my Credit Report. Now it's showing the same Collector reporting but for a different amount. Last year, XXXX and XXXX deleted it of my credit report and now this time i disputed them, because i have no knowledge of who these people are and i requested a breakdown of any fees with my wet signature i did not receive anything, it only took a couple of days for the Bureau to say it was my account. I also wrote the Collector of any unlawful fees and who they are. I still haven't received anything. The name of the Entity is Nationwide Recovery Systems. I do not recall giving anyone permission to any provider or so called XXXX XXXX XXXXXXXX to release any of my medical information about me. This is a HIPPAA law. After this was added to my credit report it dropped my score, from which i have been working so hard towards. Also today XX/XX/XXXX another unknown source is claiming i owe them {$390.00} and XXXX allowed it on my credit report, i had to dispute, after it was already put on my credit report. This is causing me a financial hardship everytime, i have to go to the post office to send a certified letter dispute that's almost {$5.00} each time for each Credit Bureau and collector. Also, i am taking care of my adult son who has XXXX and with this frustration on top of it, makes it very stressful for me. I can't afford to be giving my hard earned monies to just anyone who asks for it and puts it on my credit report. This makes life very difficult. It makes it very hard to gain access to anything from applying for a home or to gain access to credit.This is not right for us consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rent an apartment from XXXX XXXX XXXX XXXX XXXXXXXX, under a rental agreement for a year, XXXX days later from my residence at the apartment i sent an official email to the management company to breakup the lease with a 30 days notice and I asked for a clearance letter from them, after a month and after I payed off the entire balance, i spoke with the office manager to leave the apartment she came and checked the apartment and i left the keys with her, and i make to clear her if i owe more money she said nothing you are good to go and if you owe us anything you will see it online 6 month later I figured that the company transferred me to a collection agency and they reported me on the credit bureau without any further notice or a letter or a phone prior yo their action and when i spoke with them over the phone they said that they sent a letter to me to a wrong address, however the XXXX  knows my residence address i made it clear to the them before i left that my mailing address based on my license and was mentioned on the lease at New Jersey, when i spoke recently with the management company of the company they said spoke with the collection agency they can not do anything and also they dont want to provide me with what they i owe to them which I figured from the collection agency {$890.00} which i paid what i owe before i left the complex via my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion and XXXX XXXX  you are reporting XXXX XXXX  last reported XX/XX/XXXX XXXX  it states closed in XX/XX/XXXX OVER THE STATUE OF LIMITATION over 10 years I should Sue both of you Document of proof enclosed CFPB I request you step in on this matter

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 2022-07-04
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ENHANCED RECOVERY COMPAN Last reported XX/XX/2019 {$430.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Paid in full XXXX pt Settled for less XXXX pt Based on 2 million XXXX XXXX  members Option 1

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: CREDIT ACCEPTANCE CORPORATION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive had a payment arrangement set up on my account for months now, which Ive been pretty much on top of. What I did not know was that my account was still reflecting in such a horrible state long after the arrangement has been made. The point of a payment arrangement is that its to get current, not a placeholder as it was explained to me. If Im paying to be put in the arrangement, the remaining past due amount is rolled into the back of the loan, giving a new amount due and my account is current. It was told to me when I originally set up the arrangement that with my amount owed it was going to be that amount due till it was paid off in 2 years. So I would have had negative reporting for that whole time??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with Fair Credit Reporting Act, XXXX, trans union, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX acct # XXXX NO CONTRACT XXXX XXXX is using my identity and saying that I owe them this is fraud According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy ; The Right to Financial Privacy Act of 1978 15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

reporting adverse information has affected my livelihood, causing me to be oppressed 1006.6 code of federal regulation states that a debt collector must not communicate, in connection with the collection of any debt, with any person other than consumer 15 U.S. Code 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.

15 U.S. Code 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection 15 U.S. Code 1681b no written instructions of the consumer to whom it relates. 

Credit bureaus not letting me know how my credit information is being used is a direct violation noT the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Amex complaint XXXX ID # XXXX is the culmination of several weeks of website inadequacies. The first and most salient deficiency is Amexs online failure to populate my credit card activity. Each charge is obscured by a red error message. Please see two attachments as follows : XX/XX/XXXX screenshot which is embedded in my email to Amex to alert Amex to the error code. 
Todays screenshot to show the problem persists. 

How can a consumer verify if his charges are accurate or fraudulent if the activity does not even populate? 

Second, I see an AMEX website that needs overhaul. For example, instead of loading the advertisements, offers, and inducements, I simply want a clean page of card activity. Third, specifically, online I need the new outstanding total next to each charge. To clarify this ongoing request, I am attaching a third document ( i.e., example for Amex rolling summary for each charge ) from a different financial institution. Please note how the XX/XX/XXXX charge for XXXX at the top increased the total balance from XXXX to XXXX. 

I am disappointed that such user-friendly running tabulation is not standard protocol across all credit card websites nationally. I endorse it and request the change to occur with immediate effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX / XXXX 2022 XXXX XXXXXXXX/ XXXX 2022 XXXX XXXX XXXX/ XXXX 2022 XXXX XXXX XXXX XXXX 2022 This are all hard inquiries I did not give permission to look into my account nor check my credit I want it remove from my credit history I did not authorize no company nor 3rd party nor gave consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I currently switch from XXXX to XXXX. However after i connect with a girl named XXXX  to end my services with XXXX. The next day i received a notice that XXXX made a hard credit inquiry check. The inquiry was done without my consent. They have done this too back in XXXX  Why would they pull my credit unless there's something inside the company doing illegal stuff. 
I hope this hard inquiry will be removed as it has harmed my credit score. 
Additionally, i never missed a payment to loan nor to bills. The upcoming bill for XXXX is due in the XXXX of the next month. All this doesn't make sense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Was scammed by a false Citibank. Was charge multiple overdraft fees which I paid.never received any notices. My account was closed but I was able to use it. Never was told anything. I changed my debit card twice due to losing them & each time there was always a problem. I went to multiple banks And they said nothing was wrong with my account but my account was on the verge of closing. Was able to get temporary card for a closed account ordered a new official card for a CLOSED ACCOUNT. My money was wrongfully withdrawn & when I requested information The bankers arent even able to tell me what happen & why. I was scammed & being treated horribly.. below are the false citi accounts i mistakenly put my information into. Ive went to 3 citi banks trying to resolve this issue

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 2018-05-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and XXXX are reporting on my credit report and Experian has investigated and told me to reach out the company reporting. I haven't heard back, violation of FDCPA/FCRA and I do not recognize the accounts. It's been past the 30 days allowable timeframe and experian is still reporting the accounts, which is in violation of FCRA. They also recently reported this account XXXX and I had no knowledge. This is unfair reporting and not accurate representation of my 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 non-monetary relief
Consumer complaint received 2023-08-13
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:
This item repeatedly being reported to my credit file should be removed immediately. I do not have a contract or service agreement with this company XXXX XXXX. I repeatedly asked for proof of contract ( s ) with signatures with no response. Also, this company is not legally allowed or licensed to operate in the State of Georgia, or demand collection of debt, and is in violation of State law. Please remove this item immediately and cease from further reporting.

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 2022-12-05
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX  Account # XXXX, XXXX, XXXX, XXXX has violated my rights to privacy. 

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 : 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 items of information, other than the records of convictions of crimes which antedates the report by more than seven 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