BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On  XXXX   XXXX ,  XXXX  I sent a letter to  XXXX  requesting that they remove  XXXX  inaccurately reported  XXXX  late payments from  XXXX   XXXX  from my credit report. All  XXXX  of my federal student loans which were serviced by  XXXX   XXXX  were in forbearance at the time of the alleged late payment, yet for some reason  XXXX  of them are showing as 90 days late on my credit report. I included a letter I received from  XXXX   XXXX  in  XXXX  showing the dates of my forbearance which included  XXXX   XXXX . If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly  XXXX  " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all  XXXX  credit bureaus and they continue to confirm this information is accurate with  XXXX . I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.

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 2022-03-26
Company: EQUIFAX, INC.
State: PA
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 first contacted Equifax in XX/XX/2018 regarding an incorrect item being reported on my credit report for XXXX. I informed them I never opened any account with this company, nor did I give anyone else authority to sell my personal information to a third party. Since they did not have my authorization they should not have placed anything related to HIPPA in my personal credit file. I have been asking Equifax for proof, a signed contract, and validation and verification, which they failed to send me. I disputed this account with all three CRAs and XXXX and XXXX removed these accounts back in XX/XX/2018. Equifax has willfully ignored my request and violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Asset Management Outsourcing, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017. A request for that validation was sent to XXXX XXXX XXXX   XXXX XXXX XXXX has failed to respond to this request within the allotted 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Long ago-  (   XXXX   XXXX   ) - attempt at retrieving a credit report online ( Experian  )  was denied, required sending information by mail  XX/XX/XXXX  - letter sent back indicating that they could not locate credit information. upon reflection, it is clear that it 's because their system does not allow  1 le tter last names.    XX/XX/XXXX  - rental application stalled due to not being able to look up spouse 's credit report. Contacted experian to try to clear up the situation -- they tell me to send a document with the correct name. They tell me they will mark the request with a rush request to expedite the processing of the document.    XX/XX/XXXX  - Using the online system, uploaded copy of social security card showing the legal name.    XX/XX/XXXX   - ( c all to experian ) informed that the previous handler entered the wrong name due to not being able to enter a  1 lette r last name into the system. Explained to me that they can not fix the problem because the system does not allow  1  letter last names. However, even then they can not put in other names because it does not match the record from social security. They inform me that my best option is for legal representation to help with options or a legal name change, both which are ridiculous, because this should be treated as a bug with their system. Clearly the Social Security  Database  allows fo r 1 l etter last names, and they should still be at fault for not being able to provide me with the credit report.     Note, I was able to pull   XXXX   credit repor t (  but it did require me to contact the agency by mail, which is annoying )

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 2017-05-26
Company: Experian Information Solutions Inc.
State: KS
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:
As of today   XXXX   XXXX   XXXX  ,  XXXX  shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of   XXXX   XXXX   XXXX  .     I have received no bills, and have no idea what this is for. I have confirmed with the   XXXX   XXXX   XXXX   at  XXXX  that I owe no balance to them. That all charges that would appear as   XXXX   XXXX   have been paid and no balance outstanding since   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 2016-10-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
About a month ago, I had a reason to contact the Experian Credit Reporting agency about my credit scores being grossly inaccurate. I have a perfect credit history but they lowered my score to barely acceptable. During that contact, I was asked if I would like a copy of my report for {$1.00}. I accepted the offer as the price was right. Now they are billing me on my email account for {$21.00} as some kind of membership in something I do n't know about and sending me unsolicited emails. When I called them, they claim there was a " hidden '' acceptance of a membership of some kind that I accepted. I assume there was some kind of hidden in small print of something or other. Now they want me to pay a fee for something I never asked for. Now I 'm also asking them to return my {$1.00} for whatever scam they are trying to hook me into. Since I never signed any contract, explicitly or implicitly, this is an attempt at extortion.

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 2022-08-16
Company: Shellpoint Partners, LLC
State: WI
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 had a mortgage loan with Newrez. I have paid off most of the loan on XXXX of 2022 ( {$47000.00} ). There was {$290.00} left to pay for interest. The mortgage statement from XXXX, XXXX, XXXX and XXXX stated that {$0.00} is due. I have statements that show {$0.00} amount due. Newrez however stated that my payment was delinquent and that there was {$290.00} due on XX/XX/XXXX ( despite the amount being {$0.00} on the statements from them ). I did end up paying the above amount on XX/XX/XXXX. Since then my credit score went down by XXXX points and I have one payment that was delinquent. I have tried to reach out to Newrez and sent the images of the statements from them yet they stated that did nothing wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have consolidated my student debt with the XXXX XXXX XXXX. I have notified Navient, and XXXX XXXX that I have consolidated, and they continue to call me an average of XXXX times per day. I have XXXX asked that they stop calling me, but the calling will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this XXXX times. I did n't sign for this item bought online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of XXXX I purchased an XXXX laptop computer for my daughter attending her XXXX  year of college. In the store I was informed that they offered a " same as cash '' offer from BarclayCard that as long as I signed up for " autopay '' there would be no interest. 

After a week or so I received the traditional credit card disclosures from BarclayCard and a credit card I have not used. However, I did not receive ANY materials regarding the fact that the " interest free '' period would come to an end. Nor did I receive a date upon which it would end, thus triggering the balance of ALL interest ( since the initial balance ) coming due. 

Upon noticing the change in payments I contacted BarclayCard and was informed the following : We apologize for the confusion regarding the interest charges. Upon review of your account, your deferred interest promotion expired on XX/XX/XXXX. 

Deferred interest financing offers give you an extended amount of time to pay off purchases without being charged finance charges - as long as the promotional balance is paid in full by the end of the promotional period. If the purchase is not paid in full by the promotional expiration date displayed on your monthly statement, the finance charges that have been deferred during that promotional period will be billed to your account at the purchase APR 15.49 %. 

All of the details surrounding your promotional balance are outlined on your monthly billing statement. While minimum monthly payments are required throughout the promotional period, making only minimum monthly payments doesnt guarantee that your purchase ( s ) will be paid in full by the financing offer expiration date. Additional payment ( s ) may be required to avoid interest charges. 

Since the expiration of your promotion, you have been charged {$630.00} in differed interest and {$170.00} in purchase interest. 

We hope you find this information helpful, and we thank you for your continued business. If you have any other questions or concerns, please reply to this message. 

Sincerely, Customer Care

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 2022-08-16
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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PO # XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX, DE XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Inquiry XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies 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 am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tried to get the free credit report but the bureau says the information provided is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Someone made a purchase in the amount of {$330.00} in a South Carolina XXXX and I live in Pennsylvania. They pick up the order with a different name. I have never been in South Carolina and do not know anyone there. They gave me a provisional credit in XX/XX/XXXX and then deduct it from my account XX/XX/XXXX XXXX XXXX said they found no error. I lost almost half of my Social Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed an entry on my credit report with the XXXX major credit bureaus, but the information remains. It is a debt of over {$1000.00} from the collection agency XXXX out of XXXX. The debt they attempted to collect from me was fabricated by a leasing company known as XXXX XXXX out of XXXX, XXXX. I lived at XXXX XXXX for approximately 10 months in XXXX. Due to illegal and dangerous activity on the premise including illegal drug use, frequent verbal and physical fights in the common areas, my family being victims of theft on multiple occasions and a fire arm abandoned and recovered by police near the children 's playground area we moved out in XX/XX/XXXX, breaking our lease several month early. Although the property manager actually was the XXXX to suggest I move out when I brought the above concerns to her attention in XX/XX/XXXX, when we moved out the owner threatened to charge us for breaking our lease ( claiming the property manager did not have the authority to grant us permission to do so ) and when he was unable to collect rent for the months we no longer lived on the premises the company fabricated approximately {$1500.00} of " damages '' they claim the apartment sustained in retaliation for my complaints of illegal activity and for breaking out lease. I have XXXX photos of the condition of every room in the apartment on the day we moved out, including close-ups of the condition of built-in shelves and closets, which show there were no damages to the apartment at all. When my security deposit was withheld, I immediately contacted the owner 's office via phone, explained the situation and provided XXXX photographs of the apartment on the day we moved out showing no damages, ( I provided these via email to XXXX XXXX at XXXXXXXXXXXX ). My email was ignored so I later called and insisted on talking to the owner himself who was very angry and refused to take any action to correct the situation citing that he was still angry that we broke our lease and complained about the dangerous and illegal activities in the complex. XXXX XXXX withheld my {$500.00} security deposit and sold the remaining " debt '' of over {$1000.00} to XXXX XXXX. I informed the collection agency of all these details and was continually harassed on my cell phone, even after requesting they only contact me in writing. These charges from XXXX XXXX and the corresponding debt sold to XXXX XXXX is completely fraudulent. I am filing a concurrent complaint about XXXX XXXX 's debt collection practices and am filing a complaint to the FTC about the leasing company XXXX XXXX. I 'm attaching the XXXX photos of the apartment taken while we were in the process of moving out on our last day at the residence in 2014.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: MD
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've been an Authorized User on my XXXX XXXX XXXX  account for about XXXX 1/2 yrs. And The 3 credit Bureaus XXXX, Equifax and XXXX aren't reporting the credit age on my credit account in my credit files. Only 2yrs. worth of Credit NOT XXXX XXXXXXXX length of history, which I should receive under the Fair Credit Act. Documents are attached showing it's not reported. My son 's payments for XXXX XXXX ( ALL ) payments are on time and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo ( EIN XXXX ) erroneously charged a {$14.00} fee on my monthly checking statement. I have the paperwork and documents opening the account, which I have had for years, which clearly states this is a NO FEE account. 

I have repeatedly asked Wells Fargo to reverse this fee. My request has fallen on deaf ears. 

Please help. 

The fleecing of Americans must stop now.

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 2017-05-26
Company: EQUIFAX, INC.
State: TN
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  AND  XXXX  of   XXXX   XXXX   continues to make unauthorized HARD credit inquiries into my Equifax  Credit  file.     In  XXXX  of  XXXX  I borrowed from  XXXX  to purchase a  XXXX  car through   XXXX   XXXX    XXXX  and took the loan to obtain a rebate.     I paid the car loan off in 60 days. Yes paid off the car loan in 2 months in  XXXX  last year.     However,  XXXX  and  XXXX   XXXX   XXXX  made  2  inquiries in my credit bureau at the time. I notified them of the extra inquiry which was not authorized.     I have just now learned they have AGAIN made  2 ne w HARD inquiries into my credit bureau on  XXXX   XXXX  of this year  XXXX . These are unauthorized and fraudulent usage of my personal credit information. Calling the dealer and  XXXX   XXXX   XXXX  has resulted in no returned calls or response to the new  XXXX  fraudulent hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: MD
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've been an Authorized User on my XXXX XXXX XXXX  account for about 2 1/2 yrs. And The 3 credit Bureaus XXXX, XXXX and Experian aren't reporting the credit age on my credit account in my credit files. Only 2yrs. worth of Credit NOT XXXX XXXXXXXX length of history, which I should receive under the Fair Credit Act. Documents are attached showing it's not reported. My son 's payments for XXXX XXXX ( ALL ) payments are on time and never late.

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 2020-03-18
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I HAVE 2 CITIBANK CREDIT CARDS AND FOR YEARS. DUE TO MY FINANCIAL CICUMSTANCES, MY PAYMNETS STARTED GETTING LATE WHCIH NEVER HAPPENED BEFORE AND DUE TO HIGH DEBT, THEY CLOSED MY CREDIT CARDS AND NOW I HAVE ISSUES DUE TO CORONA VIRUS AND HAVING ISSUES IN MAKING PAYMENTS. CITIBANK INSTEAD OF COMING UP WITH A PAYMENT PALAN, THEY CLOSED MY CREDIT CARDS. I WILL PAY THEM ALL OF THEIR DEBT BUT WANT THEM TO REOPEN SAME CREDIT CARDS.

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 2015-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have submitted countless disputes via online and certified mail only to be told that they will not investigate any further disputes. As per the Fair Credit Reporting Act ( FCRA ) per section 607 Compliance procedures [ 15 U.S.C. 1681e ; which states : ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
After reviewing the FCRA it appears this has been violated. I have sent this information twice trying to have it removed only to be told that instead of attaching as pdf file which the online dispute site suggest, now I am being told it should be in the form of a JPEG file ( picture ). I am requesting that XXXX XXXX account number XXXX be deleted per the FCRA. I have submitted the documents provided to me by XXXX XXXX and XXXX XXXX has requested this account be listed as paid in full, however Transunion will not use the documents provided and refuses to honor the request of XXXX XXXX. Rather they requested me to have XXXX XXXX call them and confirm. See Attached documents

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: ENCORE CAPITAL GROUP INC.
State: PA
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 the Original creditor, XXXX XXXX XXXX, reporting a delinquency on my credit, after they sold the account to Midland Credit. The issue is that XXXX XXXX is still reporting the account delinquent on my credit, and Midland is reporting the account delinquent on my credit, giving the impression to other creditors that I have multiple delinquencies, when in fact I do not. 
This is false and misleading, and hurtful to my credit score and subsequently hurting my interest rates on credit cards and potential auto loans and mortgages.

Company response to consumer: Closed with explanation