BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-09-21
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I pay on this card on time every month and this is the second time they have lowered my available spending amount. I hardly use the card and it has a balance that was close to {$3000.00} dollars as I purchased a washer and dryer in XXXX. My balance now is {$1400.00} and today I received my second notice they are lowering me available balance to {$1500.00} because I don't have any real estate, accounts with high balances, and it's taking me to long to pay off my credit cards. I was lead to believe paying off credit cards negatively impacts ones credit score and for this card, which I haven't used in over a year, would be significant paid down based on the original credit line. I believe this company is intentionally causing me to have credit problems for absolutely no reason. As I said, I pay all of my credit accounts on time every month and I do not want a mortgage or a car note with inflation the way it is and gas prices here in Nevada are not going down. I am filing this complaint because this vicious action is going to impact my credit score and it's unfair and should not be allowed. I pay on my accounts, all of them. ON time, every month.

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 2022-11-29
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of identity theft and someone has used my identity to obtain goods using my personal information.

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 2022-09-21
Company: EQUIFAX, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX U S DEPT OF ED/XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} US DEPARTMENT OF EDU ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX  Account # XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX account # XXXX has violated my rights. 

XXXX account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy.

15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years.

15 U.S.C 1618 s-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
Consumer complaint received 2022-11-29
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
RECORD OF ACTIONS * Tuesday XX/XX/XXXX * Realized they were recording a delinquency * Tried to contact company on website * They do not have number listed * They asked for the account number * which you only get with the card we never received ) * XXXX * Called and spoke to employee # XXXX * XXXX * XX/XX/XXXX * He informed me that * we shouldve received the card since we sent it out * They have been reporting {$43.00} delinquency for the annual fee * I told him Id be happy to pay the annual fee, but since I never received one piece of mail I was not going to accept them reporting me late * I asked to speak to someone that could take that delinquency away. 
* He would not give me an account number or forward me to the the proper person who could help until I paid my late fee. ( Which was the very thing in question ) * Then he told me the only way to contact the people who could help was through FAX number. ( Which he refused to give me ) * CREDIT BUREAU * I contacted XXXX directly and disputed the charges * I also reported a fraud * File # XXXX * CURRENTLY * I have an pre-paid credit card account on my credit bureau that I applied for, was approved, never received and has been charging me and now has been showing me delinquent * I do not have a card, card number, account number, can not sign into the account, nor have I ever charged anything * The only way they will attempt to resolve is via FAX and only if I pay what I supposedly owe first

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
While trying to make a payment on my XXXX XXXX credit card through Comenity Bank, the company 's website has been down for 3 days. Their backup website where a payment can be made without logging in to an account is also not working. Trying to call to make the payment, results in a pre-recorded message stating that they are undergoing a " system update '' and do not have access to account information. Staying on the line for a representative results in another pre-recorded message saying that " Due to unforeseen circumstances, our offices are temporarily closed '', and then the call drops.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, i had a Citi Bank checking account and Credit card from costco. I went to local XXXX branch to send wire about {$5500.00} To XXXX for a Apartment of mine, and the bank closed my account syspecting me of terrorist financing. First day closed my checking account then they closed my credit card from Costco. Also i just read that Citi targeted XXXX-Americans as " bad guys '' according to the article here https : XXXX? XXXX & XXXX It all makes sense now why they would portray my wire to XXXX XXXX as XXXX funding. 
Attached is the wire information and the date that it happened. Please follow up.

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 2022-07-28
Company: Experian Information Solutions Inc.
State: VA
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 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 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 explanation
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to make a payment on comenity cards and keep getting a generic site under maintenance message when accessing my account. I called customer service on XX/XX/2022 only to be told that due to unforeseen circumstances, their office is closed. I have no way to reach the company or make a payment, which will result in fees and negative consequences on my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MO 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 2022-07-28
Company: BSI Financial Holdings, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been having struggling to make my mortgage payments. So I applied for the Homeowners assistance Fund called ( Save the Dream Ohio ). I applied on XXXX. My application was approved by the state HAF program on XXXX. The state has been waiting for my loan servicer to reply so that they can assist with funding my loan. I have called my loan servicer BSI several times only to be transferred to a voicemail of my lead representative that never calls me. I have sent correspondence emails to my lead representative XXXX XXXX and to the customer service team via email. I emailed my letters of income eligibility approval provided by my states HAF program. It is now XX/XX/2022 and I still have not heard anything nor has my state HAFs program received a reply back from my loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: MD
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:
During the Federal Government shutdown of 2019 I requested a loan deferment from XXXX XXXX XXXX XXXX ( XXXX ). I submitted all required documents electronically. In XX/XX/2019 I received a letter from XXXX stating their intent to repossess my vehicle. Confused I immediately contacted customer service to be informed by the representative my loan deferment application was received on the day I sent it electronically but it was never processed. After resubmitting I asked if they can remove the late payment from my credit reports since the error was on their end for failure to process my document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Attached is a credit denial notice from the business claiming denial of credit with merchant XXXX. The credit score of XXXX was pulled from XXXX and the business falsely claims that " unsatisfactory credit experience with other creditors ''. Obviously, this is a system glitch with the business! As all of the major credit reporting repositories do NOT SHOW any collection accounts, no late payments, no bankruptcies! I am willing for the CFPB to EXAMINE all of my credit reports to prove my above statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: BlueChip Financial
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I called Spot Loan on the XXXX of XXXX at XXXX and spoke to the company representative, XXXX. I explained that I had joined the military and am now XXXX XXXX, and wanted to invoke my SCRA rights of lowering the interest rate to the XXXX XXXX cap. I also requested for the interest rate to be backdated to the date I joined the military, XX/XX/2022, and to be repaid for the payments made since then. 
He placed me on hold, and then transferred me to the floor manager, XXXX, at XXXX. XXXX said that they can not change the percentage rate @ XXXX XXXX interest, and that there was still a balance due according to the original payment agreement. He refused to lower the rate, and to extinguish the remaining balance.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection letter from Wakefield & Associates, XXXX, TN on XX/XX/XXXX stating that the University of Tennessee Medical Center had sent them this case. 
The amount of the debt was {$900.00}. There was no other information given. 
I called XXXX billing office on XX/XX/XXXX and spoke to XXXX. I asked for the date of service for this amount and was given the date of XX/XX/XXXX. 
XXXX stated that he would research and call me with the results of the search. XXXX called me on XX/XX/XXXX. He informed me that there was nothing that XXXX could do because this debt had already been turned over to Wakefield Agency. Meanwhile I found documentation that the invoice had been paid. I obtained a copy of the check ( front and back ) where I had paid for two ( 2 ) invoices on the same check and I had a copy of my Visa bill where I had paid another {$1100.00} on XX/XX/XXXX. These balances were from my husbands XXXX. I explained to XXXX that I didnt believe I owed this because my husbands insurance out-of-pocket was only {$3900.00} and I had paid XXXX  {$3300.00} for XXXX only plus numerous other payments that had been made, his ( XXXX XXXX ) out-of-pocket was met as of XX/XX/XXXX. 
XXXX then told me that he had found the reason that the amount had been sent to collection was because on XX/XX/XXXX your insurance took it back. I asked for an explanation of this because I didnt understand. He had no explanation. 
I then asked him to send me a detailed bill for the amount in question. He stated he would and informed me to call Wakefield & Associates and ask to speak with their insurance department because this department would be able to talk to the insurance company ( XXXX XXXX ) directly. 
I then called Wakefield & Associates directly, but was informed that their company would not communicate with the insurance company but the insurance company would have to call Wakefield. 
This seems like a circle of errors with me caught in the middle. I am a XXXX XXXX XXXX widow and have excellent credit. I cant afford to have this on my credit report. 
I did call XXXX XXXX and was told that I was not on XXXX  insurance for XXXX  to give me information. I know this is not correct because for the last 4 months that XXXX was alive I communicated with all of his medical providers and his insurance. 
I dont know what else to do, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: TN
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:
My apartment was broken into a few years ago and whoever was responsible took many personal items of mine such as bills, my birth certificate and other items. Since then I've had ppl opening numerous accounts in my name. Reported the information to the police department but it didn't stop. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 2022-11-29
Company: Steel River Systems, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a very alarming communication from third party debt collecting claiming that I owe an alleged debt and that they can legally accept payment for it. But I have never spoken to them ever and I did not give them consent to communicate with me. They have invaded my right to privacy and obtained my private information through illegal and criminal means.

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