BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : XXXX XXXX XXXX / XXXX. # : XXXX/ XXXX. {$1300.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request 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 explanation
Consumer complaint received 2017-09-11
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
With the following statement and attached documents I want to show an error in the Outstanding Principal Balance of my mortgage loan. 

My original loan mortgage amount is {$160000.00}. As for ( XX/XX/XXXX), I  made a total of 14 regular monthly mortgage loan payments. The regular monthly payment amount ranged from XXXX XXXX, and the regular monthly amount applied towards the Principal Balance ranged from {$270.00} to XXXX ( {$270.00} average ). If we keep it simple, 14 payments at  {$270.00} equals a total of {$3800.00} that should have been applied towards my Principal Balance. Therefore, my outstanding Loan Principal should be of approx. {$150000.00} and NOT of {$150000.00} as it shows in my last loan statement ( XXXXXX/XX/XXXX ). 

The origin of this error is a cascade of miss-adjustments done by Huntington Bank in XXXXXX/XX/XXXX to reverse an automatic regular payment done from my Asterisk Free Huntington Checking account towards the Principal of my loan on XX/XX/XXXX. 

I used to pay ( XX/XX/XXXXto XX/XX/XXXX) up front monthly regular payments with personal checks as shown in Transaction History attached document. I was not aware that Huntington Bank set up automatic payments from my free asterisk checking account until I received a notification of Not Sufficient Funds ( NSF ) in XX/XX/XXXX. At that moment, I requested a reversal of {$1000.00} to my checking account and to suspend automatic payments from my Huntington Free Asterisk Checking Account in order to avoid double monthly payments ( Personal checks and Huntington Checking Account ) This statement and the documentation provided ( Loan Payments -Transaction History MSU-FCU, Asterisk Account History ) with this letter should clarify this issue. I demand an immediate action to correct my principal balance : a reimbursement of approx. {$780.00} towards the Principal Balance of my mortgage loan. 

After all it has been 1 year since I brought this problem to the attention of Huntington Bank and despite my efforts, it has not been solved yet. 

I would like a detailed explanation from Huntington Bank Thank you for your understanding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 have attempted on four occasions to dispute a bankruptcy that is being reported on my credit report. I attempted on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time the credit bureaus will report that the information on my credit report regarding bankruptcy is accurate and correct. Each time the credit bureaus will not give me evidence that the information is accurate and correct. I am asking that the bankruptcy be deleted because the information is inaccurate and correct. When I contacted the court, I was informed that they did not send any information to any credit bureaus therefore I would like to know where the information come from that is being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have attempted on four occasions to dispute a bankruptcy that is being reported on my credit report. I attempted on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time the credit bureaus will report that the information on my credit report regarding bankruptcy is accurate and correct. Each time the credit bureaus will not give me evidence that the information is accurate and correct. I am asking that the bankruptcy be deleted because the information is inaccurate and correct. When I contacted the court, I was informed that they did not send any information to any credit bureaus therefore I would like to know where the information come from that is being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
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:
XXXX XXXX XXXX ' not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  ' not mine XXXX XXXX ' not mine

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 2022-06-17
Company: Experian Information Solutions Inc.
State: CT
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 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 it lists me as an authorized user, and this account belongs to an ex-spouse.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 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 it lists me as an authorized user, and this account belongs to an ex-spouse.

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 2017-09-11
Company: Strategic Alliances, Inc.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
During XXXX 2013, I went into XXXX XXXX XXXX ( Medical/Health Care ) with XXXX XXXX. During my stay, 2 separate doctors other than the treating physician stopped by to ask what brought me in. I asked both why they asked and each said they heard I was here and stopped by. Neither of these doctors did any treatments but both filed charges as consult visits. My insurance called foul on these charges. I had two insurances XXXX ( through my wife 's job ) and XXXX XXXX XXXX XXXX ( XXXX ). My insurance paid the bulk and XXXX picked up the remainder, I had already met my yearly limit so I had no additional copay. Neither insurance would pay for the bogus charges. After calling the hospital multiple times I was finally told the charges would be removed. I stopped receiving bills and all was well or so I thought. When I went to get my security clearance with the XXXX XXXX, the charges surfaced because instead of removing the charges, the hospital sold it to a debt buyer. I contacted the debt buyer First Financial Investment and they refuse to remove the derogatory information, because they brought the debt from XXXX XXXX XXXX  hospital. I have contacted First Financial Investment multiple times explained the account should never have been sent to collection. The Debt buyer First Financial Investment did not care. This is the only negative charge on my acct and it is jeopardizing my job with the military. I want XXXX XXXX XXXX ( Medical/Health Care ) to remove this derogatory mark from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2022-01-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After calling into the EQUIFAX service center NUMEROUS times and being disconnected in regards to this subject, NUMEROUS times, I requested that they please remove any and all Fraud Alerts in regards to my credit file per their instructions. 

My contact number has long been outdated and they do not provide any way for me to update it and I can not even talk to my own creditors because of this Alert. 
I asked in writing that they please, remove it as quickly as possible so I may regain positive control with a few of my creditors and get a merchant services account setup for my business. 

I have never been subjected to so much misdirection, erroneous information and lack of customer service in regards to my credit file, from any of the bureaus, as I have with Equifax, making it so difficult to A ) get a hold of someone there and B ) Get anything done in a timely manner. 

Unbelievable they are still allow to access and manipulate. people 's credit file. 
Also, on the business side they have completely misreported my businesses ' credit file by the LACK of reporting my dealings with Vendor but thats a issue for another time. I need them to release my credit fraud alert asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.

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 2021-12-22
Company: Colony Brands, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i called the company and tried to report fraud i told the lady on the phone that i didnt charge anything and that i didnt receive any thing she pretty much called me a lier so at this point i dont have anything else to discuss with them i then checked with the credit bureaus and they filed it on my credit i tried to explain i didnt get or order anything, well i filed a dispute with each credit bureaus and they investigated the claimes and after the investigations they were removed after months XXXX XXXX and XXXX XXXX tried to put it back on my bureaus and they werent allowed to but XXXX did allow them to put it back on and when i was speaking to the woman she told me i disputed it twice in 2021, well here we go again i never disputed it again in 2021, i dont know whos doing this but its not me, i have had my checking accounts hacked where they took all of my money out of my accounts from XXXX XXXX i have been an identity theft victim and every time i turn theres someone saying i applied for something, i the only thing slowed the problem down is to freeze my account, im so tired of this, i have filed identity theft reports over and over i have received notices that my information was hacked twice from XXXX  where they offered me free security orotection for a couple of years how do i know whos doing this.i think they need to be investigated to find out why they allow this to happen to me when they are a part of the problem they were hacked they released my information to others, right now im fighting the post office, usps and XXXX  about fraudulent charges and stolen packages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It XXXX Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : XXXX / XXXX. # : XXXX / Bal. {$720.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not XXXX more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 2022-01-17
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received my direct deposit as usual on the XXXX of XXXX. I made a external transfer from my prepaid to my real bank. I called them to see how long transfers take. They told me 2-4 business days. There website also states 2-4 business days. I called back in 2 days because it was still showing pending. They kept telling me they couldnt find my account. So I kept calling after being hung up on. I finally spoke with someone she told me 3-5 days. The same people kept answering the phones but changing there names to somebody elses. I waited the 4th day and called back an she told me it would arrive to me the next day. XXXX  came the XXXX and the XXXX and my transfer was showing still pending. Today is the XXXX its been a whole week since I made my transfer and its still showing pending. This bank is holding my funds for no apparent reason. I received a call from my family stating I need to be there right away because my grandfather is on XXXX XXXX  in the hospital, my phone got cut off, and me and my kids had to stay in a hotel because of this. We got kicked out. My vehicle got repossessed and this bank is putting me through hardship and distressed. I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Bread Financial Holdings, Inc.
State: AL
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:
COMENITY BANK/LNBRYANT XXXX XX/XX/16 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation