BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased a ticket from XXXX XXXX and they offered a {$200.00} statement credit if I applied for the AAdvantage Citi Mastercard. I applied and was told they would get back to me. I completed my purchase, using another card. Three weeks later Citi approved my application, with no additional questions or contact with me. I called to see how they would apply the statement credit and they said I would have to buy another ticket, with XXXX XXXX, using the Citi card. I explained again and was treated very aggressively. I called back two more times, without resolution. On the fourth call I was finally allowed to speak to a supervisor who said the same thing, but gave a {$50.00} credit for the rudeness of his staff. Please advocate, on my behalf, and force Citi to honor their own promotion. I bought the ticket and I have the credit card. I would not have applied except for the offer. There was no notification that a delayed approval would negate the promotion and no explanation for the delay in approving my credit card application ( I have great credit ). Thank you.

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 2022-09-21
Company: EQUIFAX, INC.
State: MT
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 settled this debt with XXXXXXXX XXXX XXXX account XXXX. Please remove this from my account as it is not in collections and it was settled. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2022, after receiving notice of another data breach, I tried to contact TransUnion to freeze my credit account at the number provided on the 'notice of data breach ' I received from XXXX XXXXXXXX XXXX XXXX XXXX I called TranUnion Security freeze ( XXXX ) but could only get sales pitches for a " XXXX XXXX XXXX XXXX '' from a recording calling herself 'XXXX  XXXX. After several attempts, I looked fro another number for customer service but couldn't find any on the XXXX web site. So I called a number XXXX listed as Trasunion Customer Service ( XXXX ). The recording said I had reached TransUnion and required my most private information to go forward. Sounded legit. Eventually a woman w an XXXX sounding accent came on the phone, but after asking " How can I help you? '' she could not apparently hear me. I checked this number on the web and it is not listed as TranUnion but others have also called this number trying to reach TransUnion. I think this is a Phishing number that is collecting personal info from people like me that are just trying to reach TransUnion but can not get anything but sales pitches from recordings. Thanks to Tranunion my information is further breached!!!

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 2022-06-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Of XXXX Account # XXXX, XXXX # XXXX, XXXX XXXX Account 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 2022-07-28
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been unable to access my Ally Bank account for an entire month. When trying to log in, I experience error codes on both desktop and the mobile app. Desktop error code is always " Request can not be processed. '' On mobile app, it is " Online Access Temporary Blocked. You've entered an incorrect username or password too many times '' ... This app error occurs on the first attempt to login after waiting several days since my last attempt. 

I have tried resetting my password. I have called several times and spoken with various representatives who have reset my username and password without success. They've stated that this is a known issue for certain customers, and that there is no known resolution date. 

Ally is an online only bank. I can not access my money, period. I can not view transactions, make a deposit, make or edit transfers, send money with XXXX, or even view my account balance. This is totally unacceptable, and seems like it should surely be illegal! What can I do??

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 2022-06-29
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told by XXXX XXXX employee when I turned my equipment in that I did not owe any balance and to ignore the next cable bill. 
Got a notice from XXXX XXXX XXXX and disputed the debt since I was told I didn't owe anything. Sent documentaion that I paid my last bill and sent a copy of bank statement. Never heard back so I assumed it was taken care of. Went to refinance my house and showed past due from Credit Management Inc. I had never heard from them. I called and it was about the old XXXX bill that I thought was already resolved. I contacted XXXX for the fourth time and finally was given correct information. I did what XXXX told me to do. This should not be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity Bank/ XXXX XXXX  card charged me a finance charge of {$2.00} after I paid off the account. That balance is now coming due XX/XX/2022. I have made multiple phone calls and tried to contact them online but every time I call the call is automatically disconnected and/or I receive a message stating, " We had a recent update and are having systems isssues '' and then the call is disconnected. Their website says you can pay online but you can't. You get the same message. I have been working on this for days with no progress. What am I supposed to? I do not have any lates on my credit. And I do not want any. Please advise. 

XXXX XXXX - XXXX XXXX XXXX customer service XXXX " After the completion of a recent planned system update, we continue to work on restoring service as quickly as possible. Were very sorry for any inconvenience. Please know that we will work to ensure a fair resolution for our customers who were impacted by this service disruption. You can now check your balance, make a payment and service your account using our Automated Voice Response System by calling the number on the back of your card. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in 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 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 non-monetary relief
Consumer complaint received 2023-10-08
Company: CCF Intermediate Holdings LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im not liable for this debt with SPEEDY CASH I do not have contract with XXXX. They did not provide me with the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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:
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. 

1. Account name : XXXX XXXX XXXX account # XXXX 2. Account name : XXXX XXXX BANK Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
i filed a report with federal trade comission for second time now report number XXXX ill submit copy of it to

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 2022-08-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2022 I Applied For Forbearance On Home Mortage As They Were Showing On Ther Web Site With Community Loan ( Formally Bay View Loan SVS. ) & They Said They Could Help With That Up To 6 Months Or Up To A Year I Sent Application In & They Responded With Ok & That They Were Going To Re Look At It 90 Days Out So They Did They Asked Me If I Was Still Strugling & I Responded Yes/ That Was XX/XX/2022 & At End Of XXXX I Got A Letter From Another Company ( XXXX XXXX XXXX ) That Was A Dept Collector On Loan I Then Tried To Go On Line Where My Account Was ( Community Loan ) To See What Was Going On & Site Was No Longer Avaliable To Me & I Have Been Talking With XXXX XXXX XXXX. Since Then & Trying To Get Some Help With Lower Payment Or Loan Modification. I Then Found Out That Former Lender ( Community : Loan Did Not Put It In Forberance But They Differed Payments Instead. I Went To XXXX On Line For Help & They Are No Longer Accepting Applications At This Time. My Next Steep Is Looking Localy To See If I Can Get A New Loan With New Lender

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Amsher Collection Services, Inc.
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to your company asking for proof that we have a contract together. I asked for hard evidence. You did not provide any proof that such occurred. Are you even licensed in my state to collect debt? Legally, I never made a binding contract with your company using my wet signature. If I did, please provide proof. I in fact know that I did not. Please delete this from all three of my credit reports immediately as you are a collection agency, and it is against the law to be on my credit report without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hey, I've been disputing fraudulent and inaccurate information on my credit report for over 30 days now. I haven't heard back from the credit bureaus or creditors who are furnishing this improper data on my report. I've also noticed miscellaneous inquiries on my credit report, accounts that say " closed '' yet are in collections, and reporting late payments. My next step was to contact CFPB and legal counsel for the credit agencies who are being negligent by illegally reporting False, Fraudulent data on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 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 2022-06-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX & XXXX also Experian you are reporting incorrect information to my credit report for the following account XXXX XXXX PLEASE DELETE IMMEDIATELY my XXXX reported a 0 month Term but XXXX XXXX reporting a monthly Term at all also Experian is Reporting a 1 month Term why are these XXXX credit Bureaus reporting are different if you all get the same reporting from the same source for XXXX XXXX below will be proof attached PLEASE DELETE THIS INACCURATE ACCOUNT IMMEDIATELY FROM ALL THREE CREDIT BUREAUS Please verify and delete immediately Ive reported this issue before and nothing was fixed

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 2022-12-01
Company: Army and Air Force Exchange Service
State: VA
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 owed Military Star ( EXCHANGE ) over {$8000.00} about XXXX I had not been able to pay because I lost my job house, went through a divorce on ; y SS benefits, began working called made a payment arrangement. I was advised to pay {$770.00}. before XX/XX/XXXX and made a payment arrangement with the company ( Exchange ) to pay {$200.00}. each month. I paid the {$770.00} on XX/XX/XXXX, XXXX I sent XXXX,. XXXX {$200.00}. to the ( Exchange ) company. The ( Exchange ) company turned the account over to a collection agency without sending them proof of the {$1100.00} payments that had been received or the agreement I paid. When I was contacted by letter I was asked to send proof of the payments made from XXXX thru XXXX I faxed the info over to ( XXXX ) the collection agency for Military Star Exchange. Last month the rep at Military Exchange sent to the Treasury a offset of my social security and now my retirement benefits. When the letter was received from them ( Exchange in XXXX the balance was over {$9500.00} or a little more. however when they reported it now over XXXX. The company ( XXXX ) referred me back to military exchange because nothing is being reported as paid to the credit bureaus as payments or received. I kept my end of the paying agreement however the Military Exchange started an offset I am unable to reach anyone at the IRS to speak about the offset. I agree the debt is mine but the balance is not correct and why I cant get answers about the account the collection agency was not aware payment had been made. Please help if they are taking the offset why did they make the payment arrangements. I would like payments received reported to the credit bureau with my explanations. I would like the balances corrected and for them to send me an audit of the account because it clearly is incorrect. It cant be legal to offset and collect payments from the debtor. XXXX is the collection agency for the Military Exchange I can fax in Proof of the letter I received regarding the balance and receipts of postal money orders paid to the Military Exchange Respectfully 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 2022-06-29
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: Account information incorrect

Complaint:
XXXX & Equifax also XXXX you are reporting incorrect information to my credit report for the following account XXXX XXXX PLEASE DELETE IMMEDIATELY my XXXX reported a 0 month Term but Equifax Isnt reporting a monthly Term at all also XXXX is Reporting a 1 month Term why are these XXXX credit Bureaus reporting are different if you all get the same reporting from the same source for XXXX XXXX below will be proof attached PLEASE DELETE THIS INACCURATE ACCOUNT IMMEDIATELY FROM ALL THREE CREDIT BUREAUS Please verify and delete immediately Ive reported this issue before and nothing was fixed

Company response to consumer: Closed with explanation