BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX XXXX/XXXX XXXX XXXX  have had authorization information on my account to do direct debit for monthly payments in the amount due. These payments have been in place for over two years to avoid a missed or late payment, and have been deducted without issue. 

On XX/XX/XXXX however, the monthly payment amount increased, but not only did XXXX XXXX not debit the correct amount, they never called me or sent mail notifications regarding the change. On XX/XX/XXXX, the issue repeated itself, without notification by them, at which point I became over 30 days due for the small difference in payment they debited in XXXX on XX/XX/XXXX, without warning - phone call or mail, I was reported to the credit agencies as delinquent. 

I attempted over a period of days to contact XXXX XXXX customs service as well as XXXX XXXX  - multiple transfers - hours on the phone - reps telling me no payments were made, myself providing bank info showing they were, reps ultimately finding them and ultimately telling me they didnt know why I was never called nor why XXXX XXXX/XXXX XXXX  failed to pull out the correct amount due - as authorized. 

These companies need to be held accountable for their business practices - their failures should be subjects to their own form of credit reporting in terms of financial harm, lost time correcting their errors, and more

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 2018-11-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several Months ago, I was contacted by a collection agency, XXXX XXXX XXXX XXXX, allegedly on behalf of a dental  office in XXXX XXXX. I was informed about {$2200.00} in outstanding dental bills owed to this dental office in XXXX XXXX area. I disputed the information and in order to prove the debt was not mine, I gave my medical information, XXXX XXXX and XXXX XXXX XXXX Information including my dentist information as a means to verify I was not the person owing any dental debt. They verified that I was not the person who owed monies to a dentist office in the XXXX XXXX area and stated they would remove my information from their file. 

Despite providing all my personal and medical information that they required and verified that debt was not mine, several months later, I find out that this company filed a negative information on my credit history. Due to this false information, 3 of my credit cards with other companies, with XXXX  balances, were closed. 

I called XXXX XXXX XXXX to demand that they remove the information from my credit reports and they demanded my personal medical information once again. I declined as I had already submitted to XXXX XXXX XXXX person several months prior. XXXX XXXX XXXX Collection Person refused to call reporting credit grantor to verify my complaint. 

I need some assistance to get this information off my credit report as it has cost me 3 credit cards that I kept with XXXX balances in case of an emergency. My credit score has suffered immensely due the failure of XXXX XXXX XXXX 's failure to verify information before destroying an innocent person 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
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:
I had four collections accounts with XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove them from my credit report, I checked my credit report and all four were removed. Now I received a copy of my credit report and they are there again, I called XXXX XXXX XXXX XXXX and they told me they will removed them again but nothing has happen yet. Please remove all four XXXX XXXX  XXXX XXXX collections from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-13
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
An inquiry dated XXXX XXXX,2016 is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company. The certified letter was returned undeliverable unknown address.

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 2018-11-29
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:
They are reporting a company I have never seen or had any interactions with called XXXX XXXX XXXX I previously had a fraud alert on my credit report and currently have a identity theft form and documentation on file as well as a police report. I never had an account with this company or any companies attached to them and this is negatively affecting my credit. I also have a XXXX XXXX account which has been paid and has not been updated. Also a XXXX XXXX which was paid and I currently have an account with them with the same account number yet it is still reporting negatively. There is also an account named XXXX XXXX, XXXX which I do not recognize and have never done any business with this company and never had an correspondence prior to this showing on my 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 non-monetary relief
Consumer complaint received 2022-12-29
Company: BARCLAYS BANK DELAWARE
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 information incorrect

Complaint:
XXXX XXXX XXXX Acct # : XXXX... 
Balance is incorrect - Shold be XXXX Dates are incorrect

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 2022-09-30
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My lender, Shellpoint mOrtgage services incorrectly added lender placed insurance to my account in late 2021. I notified them that this is incorrect and provided the documents to have this removed. The insurance was removed by they did not refund me until after reaching out to them over 10 times but I was only partially refunded. I am still owed over {$5000.00} and they just transfer me from person to person requesting additional information from me with no way to get the problem fixed. I need help!! 

total paid in lender placed - XXXX amount refunded- XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a medical bill that my insurance did n't cover. It 's been over a year since I was hospitalized. In  XXXX  I noticed on my credit report that I have a collection account that I never heard off. It was the amount of  XXXX  As soon as I fount out I called the collection agency and paid the bill, but it looks like they never reported it as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I requested a new debit card from Chase freedom. 
The card arrived a week later. I destroyed the old card. 
On XX/XX/XXXX, I received a text message that said a fraud transaction has been detected on your debit card. Do you recognize it? I responded NO. They said they will deactivate the card and send me a new one. 
On XX/XX/XXXX I noticed that there are a lot of transactions happening on the old card. I immediately contacted the bank and notified them ( within the 48 hours deadline of reporting fraud for debit cards ). They filed three claims. 
1.Gas station : XXXX 2.ATM : two transactions of XXXX 3. Online transactions : XXXX, XXXX, XXXX, XXXX I got a response that the first claim is accepted. 
The second claim got rejected because the ATM was close to my house address and they say the card owner had access to the physical card. 
The third one is still pending. 
I have witnesses that at the time that the card was being used I was at home. The new card is in physical possession. Chronologically, how is it possible that the first transaction is fraud and the rest of the transactions are not fraud? 
How is it possible that I got a text suspecting that this is fraud transaction, and I confirmed this is fraud but after investigations they say the thief has used the chip and it is impossible to replicate. 
I would like to know why didn't the company deactivate the old version of the card?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Purchased {$6300.00} worth of goods XXXX & XX/XX/18 and charged to my Lowes account. Did not receive the generator until more than a week later. Before even receiving a bill in the mail, I paid {$6000.00} and posted a {$29.00} refund. At this time the balance was {$350.00} which I always pay off completely upon receipt of the bill. 

I was surprised to see an interest charge of {$110.00} on a balance of {$350.00} resulting from purchases that weren't even 30 days old! 
I called Synchrony Bank to complain and they removed the interest. 
I am filing this complaint because this is the second time in the last few months that I have been over charged interest. 

I have attached the bill and request that you review the method of calculating interest they are employing.

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 2022-12-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
They are reporting a company I have never seen or had any interactions with called XXXX XXXX XXXX I previously had a fraud alert on my credit report and currently have a identity theft form and documentation on file as well as a police report. I never had an account with this company or any companies attached to them and this is negatively affecting my credit. I also have a XXXX XXXX account which has been paid and has not been updated. Also a XXXX XXXX  which was paid and I currently have an account with them with the same account number yet it is still reporting negatively. There is also an account named XXXX XXXX, XXXX  which I do not recognize and have never done any business with this company and never had an correspondence prior to this showing on my 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 2018-11-29
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:
XXXXXXXX XXXX XXXX is Reporting my XX/XX/2018 Payment to Transunion and XXXX  as 30 days late. This is not correct. The payment was made on XX/XX/2018. XXXX XXXX XXXX also sent a letter saying they made a mistake and would change this status from 30 days late to Never Late. I also filed a dispute with Transunion and XXXX. Both credit Bureaus said the 30 Days late for XX/XX/2018 would remain the same. 

XXXXXXXX XXXX XXXX sent a letter to me on XXXX-18 stating they would update the records to reflect the XX/XX/2018 being paid on time within 30 days. See attached letter.

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 2017-08-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I noticed a debt on my credit report that was discharged in a chapter XXXX bankruptcy in XXXX of 2015. The debt has since gone to three different collection agencies. XXXX XXXX XXXX XXXX ( Original Creditor ) sold or placed the account after my bankruptcy. XXXX was very aware of my bankruptcy. ( See case no XXXX filed in United States Bankruptcy Court XXXX XXXX of California ) All of the other debt collectors that put the discharged debt on my credit report removed the debt without question. IQ Data ( new collection agency ) stated that they will not remove the debt. I provided them the case number yet they still refused. After doing a simple XXXX search, I found that this is common practice for IQ Data. I have now sent in a dispute and demand letter to IQ and all the credit reporting agencies demanding removal. I have also retained counsel to file a lawsuit against all parties.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called to request a loan refund on XX/XX/26 and was told that it would take 8 weeks. After I called back today, I was told that it will take another 4 to 6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi checking and savings account on XX/XX/2018 through a special offer. The terms of the offer were : Open a new checking and savings account, deposit {$15000.00} in new-to-Citibank funds into the checking or savings accounts. Maintain that minimum balance for 60 consecutive calendar days. Then receive {$400.00} in your checking account! I had deposited {$8500.00} on XX/XX/2018 into my checking and {$7000.00} into my savings on XX/XX/2018. I maintained that balance for 60 days ( 60 days from XX/XX/XXXX would be XX/XX/2018 ). I called Citi customer service on XX/XX/XXXX, and they notified me that the bonus showed as linked to my account and would post within 90 days of maintaining the balance for 60 days ( 90 days from XX/XX/XXXX would be XX/XX/XXXX ). I called again on XX/XX/XXXX, and the agent that if the bonus didn't post by XX/XX/XXXX to call again. I called again on XX/XX/XXXX, and the agent explicitly confirmed that I was eligible and should have received the bonus. The agent put a ticket for investigation ( the case number is XXXX and told me that I would be contacted by email within 2 business days. It is now XX/XX/XXXX and I have not been contacted. I have attached my transaction histories so you can see when the accounts were funded and that the XXXX balance was maintained up until today XX/XX/XXXX. Not once has Citi reached out to me despite not fulfilling their terms.

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 2017-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
i have applied for Transunion membership and when filling the form it does not have a payment page and withought confirming the price or charge the company charged my account for the amount of XXXX USD. later they sent a confirmation letter confirming the order that i have not made.

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 2023-02-23
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:
You are in violation of federal law under the Fair Credit Reporting Act. Under FCRA 15 USC 1681b-Permissible Purposes of Consumer Reports ( a ) IN GENERAL. 

Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave you any written instruction to furnish a consumer report, No content is identity theft. A copy of the identity theft report as marked Exhibit A attached. 
Furthermore you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairy and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX and marital problems. 
You have prevented me from extending credit and stopped by livelihood by violating my rights to consent and privacy.

Fairness, impartiality and a respect for my right to privacy was not extended to me. 

I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me. You furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public. 

An attachment labeled Exhibit A as proof is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX from XXXX XXXX XXXX has repeatedly called my cellphone, my job, and even called me at a restaurant while I was having dinner with friends. He has called multiple times, up to 4 times, in a single day. So much that, the receptionist where I work has blocked his number. She stated to me that he had started getting rude to her.

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 2017-08-13
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
There is a 30 day delinquency reporting on all 3 credit bureaus. I 've spoken to 2 different agents within the credit department in reference to the delinquency. They assured me that this derogatory information would be remove due to an error in the delinquency reporting. It has been over 4 months and the late payment delinquency has not been removed. I 've been an account holder with the particular company for a long time and have been in good standing until this error which was not in my part.

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