BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: Collection Bureau of Walla Walla
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Explanation of complaint : I went to the hospital at XXXX XXXX XXXX XXXX XXXX XXXX Wa. had XXXX XXXX removed and after I was healed up I went to a follow up with the doctor that did the Procedure at his office at XXXX XXXX XXXX and he told me the procedure was not necessary and that the hospital did it to make money off of me and I wouldnt get a bill from him never got a bill in the mail from him one day I get a letter from collection bureau of Walla Walla after the doctor retired or moved and I told them the same I was told and disputed it and I filled a complaint with Washington department of health and am still waiting to hear back today XX/XX/22 I got a notice of small claims and says I have 14 days to respond case # XXXX out of XXXX XXXX before I had a chance to hear back from my complaint I had made just got the bill today XX/XX/22 from the doctors office by email and Im not disputing all of it only XXXX of it Im disputing I made a complaint to XXXX XXXX XXXX XXXX and they waved all cost because of what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The comenity website is currently down, every time I tried to log in to submit my payments, its says theres a glitch and could not log me in. This has happened on both of my credit cards from Comenity, my XXXX and XXXX XXXX cards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am having issues with XXXX XXXX XXXX CBNA. This card I am an authorized user. My mother XXXX XXXX is the primary card holder. She added me to this account in XXXX when I was a minor and I didn't consent nor want to be added. The company has refused to remove me. I have filed disputes with XXXX as recently as XX/XX/XXXX and tried to call the company myself and they told me they wouldn't remove me unless the primary cardholder allowed them to. I reached out to my XXXX  and XXXX  mother and tried to get her to remove me and she has refused and ignored my pleads. The account has currently no balance. I have attached the dispute report and text messages I have sent to my mother to remove me.

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 2022-06-28
Company: Experian Information Solutions 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:
For over 2 years Experian have been reporting a Bankruptcy on my credit report that is not 100 % accurate. Every time I dispute the incorrect information it comes back verified even though I provide proof of the incorrect information and they saying it come back correct because the social is correct. so i went to XXXX and now it has been deleted from XXXX. I ask Experian to remove this Bankruptcy since XXXX is no longer publishing it and they violate my right by not deleting it and still reporting on my credit. 
I am not disputing the Bankruptcy but disputing is not 100 % accurate. 
I have also ask Experian to disclose who they verify that information from so I can take the appropriate action.

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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX XXXX XXXX through Comenity Bank and I can not call them, I cant speak with no representatives, I cant make a payment, I cant access my account, I cant do anything and its seem very shady because their system has been down for days! Ive been trying to make a payment since XX/XX/2022 and can not make any sort of payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I realized that I have a ton of inquires that I did not authorize and it is a lot of work to contact these companies. By time I get off work the credit reporting agencies are closed. Being that XXXX, TransUnion and XXXX are reporting these inquiries I would like them to remove them.

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 2022-06-28
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 status incorrect

Complaint:
XXXX University is reporting on my credit for a balance owed. When I signed up for XXXX in was under a pretense that was false. XXXX, lied and made false statements regarding their degree and programs to get you into the school.

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 2022-06-28
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I used my XXXX XXXX debit card to pay {$500.00} to my XXXX credit card on XX/XX/XXXX. XXXX XXXX said it was accepted. On XX/XX/XXXX I messaged them asking why it hadn't been posted yet. They responded they never recieved the payment. On XX/XX/XXXX XXXX XXXX confirmed it had paid XXXX, with the TraceID XXXX. On XX/XX/XXXXXXXX XXXX  sent a letter saying they would look into the issue and temporarily credited my credit card {$500.00}. On XX/XX/XXXX they rescinded the amount, with a letter saying they were unable to accomodate. Since XX/XX/XXXX, they have been crediting and debiting my account as follows : XXXX : XXXX XXXX Card XXXX {$500.00} Interest Charge - {$7.00} Interest Charge {$10.00} Adjustment-payments {$500.00} Interest Charge XXXX Interest Charge - {$7.00} Interest Charge {$10.00} Adjustment Payments {$500.00} XX/XX/XXXX : XXXXXXXX Card XXXX XXXX {$500.00} Interest Chage - {$16.00} Late Fee - {$29.00} Interest Charge - {$16.00} Late fee - {$29.00} XX/XX/XXXX Late Fee {$29.00} XX/XX/XXXX Interest Charge XXXX XX/XX/XXXX XXXX Payment - {$100.00} XX/XX/XXXX Adjustment Payments {$500.00} XX/XX/XXXX Late fee {$29.00} XX/XX/XXXX Interest Charge {$21.00} XX/XX/XXXX XXXX XXXX Card Payment - {$100.00} Currently, my balance is at {$1000.00}, with - {$310.00} available credit. I have called XXXX, XXXX, and XXXXXXXX XXXX  mulitple times. I don't know how to move forward. Venmo has seemingly closed my dispute. 

In summary, XXXX has at the very least made too many adjustments, leaving me short {$500.00}, as well as incurring multiple late charges.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: MD
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:
Compliant # XXXX, additional documents The Credit Reporting Agency stated that they verified the information with the court. I have attached a letter from the court dated XX/XX/2020. Stating that the US Bankruptcy Court does not report ANY information to the Credit Bureaus. Nor is they responsible for verifying or validating information from a consumers ' credit files. They are continuing to be negligent in violating the provision of the FCRA and should be had liable. They said MOV verification was through XXXX XXXX I have attached a letter from XXXX XXXX saying they could not verify and have delete it. Please delete this unverified Bankruptcy from my credit delete. The credit bureau should be held liable for report inaccurate and unverified information. 
The other documents are attached to the previous compliant.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 2022-11-30
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:
Dear Trans Union, I am writing to dispute the following information that XXXX XXXX XXXX only shows up in the collections of your company. I have asked for a validation of the original documents, dates and the amount. I was never sent a validation letter. I sent the notice in XXXX and still have not received anything. 
This item XXXX XXXX XXXX is inaccurate [ or incomplete ] because this is not my account I am requesting that XXXX XXXX XXXX have the item removed [ or request another specific change to correct the information. ] Please reinvestigate this matter and contact the XXXX XXXX XXXX to have them delete [ or correct ] the disputed item ( s ) as soon as possible.Or have the item deleted immediately

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A check fraud claim was started on XX/XX/XXXX without my consent or knowledge. Then on XX/XX/XXXX caught the error closed the claim taking XXXX out of my account again without my knowledge. 
I didnt know anything had taken place until I received a low balance notification after paying a traffic ticket. 
My account is now negative XXXX and I am missing Important payments because of this error. 
I spoken with reps at BoA. One XXXX was very Rude! Telling me its not your money & you need to manage your as count better Another Rep found and admitted to the problem of filing a claim without my consent or knowledge but stated they cant help me. 
This is virtually stealing from me and cause extreme negative impact on my life. I can eat or pay bills at this time. I would like investigated Immediately. I have been a Bank of America Customer for XXXX yrs and this is the worst experience I have ever had with any bank

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CFPB Write up In accordance with the Fair Credit Reporting act XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
16 credit cards were closed by synchrony Bank on XXXX XXXX because a representative told me it was due to the fact that I was a High risk. But to wait for the formal letter which I was to receive in 7-10 business days. I have credit cards with {$5000.00} to {$20000.00} dollars available credit. I have never ever defaulted or paid late. I work for the federal government here in XXXX XXXX by the way. I only owe on two credit cards and it's only {$50.00} dollars. Synchrony Bank closed16 credit cards I had with them. I am suspecting that since I had close to XXXX in available credit they closed it fearing I might get in debt due to Coronavirus situation. The company itself can't furnish reasonable reply as to why my credit cards were closed. Company : Synchrony Bank 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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For over 2 years TransUnion have been reporting a Bankruptcy on my credit report that is not 100 % accurate. Every time I dispute the incorrect information it comes back verified even though I provide proof of the incorrect information and they saying it come back correct because the social is correct. so i went to XXXX and now it has been deleted from XXXX. I ask TransUnion to remove this Bankruptcy since XXXX is no longer publishing it and Transunion is violate my right by not deleting it and still reporting on my credit. 
I am not disputing the Bankruptcy but disputing is not 100 % accurate. 
I have also ask Transunion to disclose who they verify that information from so I can take the appropriate action.

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 2022-06-01
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: Information belongs to someone else

Complaint:
I was given a credit report by Equifax on XX/XX/XXXX of 2022. On that credit report I found 3 hard inquiries that I found to be fraudulent, not made be me. All 3 of them occurred on XX/XX/XXXX of XX/XX/2022 The first was an inquiry made with XX/XX/XXXX Bank XXXX, and the other two were both made with XX/XX/XXXX XXXX, though one was specified as XX/XX/XXXX XXXX XXXX Card and the other was titled as XXXX XXXX Bank XXXX XXXX. I tried contacting Equifax to challenge these inquiries and to have them removed from my credit report for being fraudulent, but they told me that I needed to visit the Federal Trade Commissions website to report the inquiries. After I visited the FTCs website to see how I could report the inquiries, I was redirected to the Consumer Financial Protection Bureaus website to file a complaint about the fraudulent inquiries on my credit report, which is what Im doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: AR
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 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 explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: TX
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 DID NOT GIVE THESE COMPANIES PRIMISSION, OR WRITTEN CONSENT TO RUN MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 DID NOT GIVE THESE COMPANIES PRIMISSION, OR WRITTEN CONSENT TO RUN MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-28
Company: EQUIFAX, INC.
State: TX
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:
Equifax continues to say they dont see these inquiries on my credit & keep saying inquiries are factual, how is it factual information when Ive sent over an ID Theft affidavit in addition to a police report stating that I didnt do this?? Equifax continues to ignore this & theyre about to find themselves on the other end of a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Receivable Management Group, Inc. (GA)
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I saw I had mail on the counter that I hadn't opened in a while so I opened it, and it is saying that I owe debt money for " XXXX XXXX '' that I owe {$43.00} for this procedure. I have no idea where this is from, but I do know I am not paying {$43.00} for something that isn't supposed to be charged to me.

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 2022-06-28
Company: EQUIFAX, INC.
State: AR
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 BANK # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. I've been asking for remedy about this matter but I guess Transunion is oblivious for they have again neglected my concern. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please remove the accounts below : 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 2021-01-17
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: Personal information incorrect

Complaint:
I have sent my change update of information to the letters to the credit bureau to update my name and address however to be reported correctly but the credit bureaus have fail to do so

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