BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2019 I applied for a forbearance on my Student Loans through XXXX XXXXXXXX who was the servicer at the time. XXXX assured me I did not have to worry about payments or anything else while it processed. Everything was fine until I realized that I have XXXX day late payments reported to my credit although I have a letter from XXXX XXXX clearly stating that I was in forbearance during the time that I was supposedly late. 

During this time I had 17 student loan accounts which meant I had 17 90 day late payments which absolutely devastated my credit. 

I did dispute this through XXXX, XXXX and Transunion all of which said that XXXX came back and verified that the late payments were accurate which is incorrect. The multiple times I spoke to XXXX XXXX  over the phone I was told this is something that needed to be dealt with through mail. I mailed them on numerous occasions and never received a response.

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: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2022-11-28
Company: EQUIFAX, INC.
State: NC
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Retail Merchants Associates
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This organization called I love my Freedom ( ilovemyfreedom.org ) from Minnesota sells you shirts and other XXXX XXXX. If you purchase something in checkout your automatically enrolled in a monthly T-shirt Trial that you never asked for and have to pay for it. I tells you can cancel it but they never do cancel it. you continue to get your credit card charged. you contact them and they say they have high volume and will get back to you in 48 hours.When they contact you back they tell you there looking into it and then never gets back to you. Even if you send an email to cancel it never gets canceled. Someone needs to look into this problem because many are losing the battle with them as I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: GOLDMAN SACHS BANK USA
State: MI
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:
On behalf of XXXX XXXX XXXX XXXX, I have held a XXXX XXXX XXXX, which was backed by XXXX XXXX  for years, and with NO problems. However, approximately a year ago, I received physical and electronic communications that the XXXX XXXX card was sold to XXXX by Goldman Sachs and my credit card would be on the way. I have received a letter purporting that a security code can be utilized to set up and manage my account online. To date, the attempts to do such have been unsuccessful. Password resets are NEVER sent. Today, I was told via XXXX by " XXXX XXXX '' that the call center representatives are not allowed to provide their last name, representative ID, or city in which they are working and can not transfer my call to technical support - we must wait to be contacted - in order to rectify the asinine web of meanders that the website continues to take me through. This behavior is deplorable and mind-blowing as this is NOT the reputation that one would want to develop as a new car issuer. This seems to be a chronic issue as per this : https : //www.consumeraffairs.com/finance/marcus-by-goldman-sachs.html and that : https : XXXX. In addition to this, there is a personal guarantee on this business card, so I am concerned as to who has access to it, since I do not and " Marcus '' are being strategically difficult in allowing me to control my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
this is a notice of billing error to the company. 
the refernced account is an agreement not a contract and because of the lack of complete disclosure. i rescind the entire transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the reporting of the following accounts have violated my rights. 
1. XXXX Bank opened XX/XX/XXXX. 
2. XXXXXXXX XXXX  XXXX opened XXXX XXXX, XXXX 3. XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX 4. XXXX XXXX XXXX opened XX/XX/XXXX 5. XXXX XXXX XXXX XXXX opened XX/XX/XXXX Per - 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
Per - 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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose

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 2022-11-28
Company: Central Mortgage Funding, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received an unsolicited call from Central  Mortgage at XXXX XX/XX/22 they purchased a trigger lead from an application I made through another company. I asked him to identify himself with name and XXXX  number. He said they only provide the information if I agree to work with him. I asked how he got my information he told me that the XXXX XXXX I applied with sold my information to him. At which point I explained he is lying and I need his XXXX  number he than hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have attached my most recent TRANSUNION credit report. The Fair Credit Reporting Act clearly states that the consumer credit reporting agencies must report accurate information about all consumers. Transunion CHECK the address that this furnisher is reporting. This is inaccurrate. I do not have a previous address with this XXXX XXXX XXXX NORTH CAROLINA

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 2022-09-19
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:
Experian has unfairly decreased my credit score by XXXX points on XX/XX/2022. After carefully reviewing my Experian credit report and all notifications, I did not see any changes on my report that would justify this decreased. Please investigate this adverse action taken by Experian.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Account XXXX : XXXX XXXX XXXX XXXXXXXX is reporting this account as " Legally paid in full for less than the full balance '', which should not be any derogatory mark. I paid this account in full, then requested the account to be closed before I joined the US Army and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a misrepresentation of a derogatory account. The balance shown is an erroneous amount that was caused by the company 's flawed reporting records. As I joined the US Army ( XXXX XXXX ), I obviously moved and updated my address, in which, but XXXX XXXXXXXX XXXX failed to notify me of the account 'NOT '' being closed. The XXXX XXXX XXXX XXXX representative sales XXXX stated my account was at a XXXX balance and my account was closed, in XXXX of XXXX of 2015, and it was not updated on their end. This account is damaging my creditability and providing emotional hardships to remain employed in the Armed forces. I have disputed this account numerous times within the past 5 years and I have not received any instrument of indebtedness, contracts with my signatures, or statements of agreement. This company has continuously violated my consumer rights with incorrect account reporting and negligent account reporting. Please update this account to " paid '' and remove all associated late payments or delete the account in its ' entirety.

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 2022-11-28
Company: Experian Information Solutions Inc.
State: NV
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:
In accordance with the fair reporting act. Experian has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 B, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I found out on how to remove the fraudulent items in my report that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$54.00} ; XXXX XXXX XXXX XX/XX/2021 ; 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 XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and definitely being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and definitely being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-09-28
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I purchased furniture from Ashley furniture store in XXXX of XXXX for {$4200.00}. The XXXX and XXXX at the time convinced me to purchase the furniture by taking out a line of credit with 0 % apr which was on promotion from Synchrony. I informed them several times I did not want a credit card, and was assured that this was not a credit card. I signed the paper work for this promotion, and a few weeks later I received a credit card in the mail... I was angry, but it was not worth fighting at the time, given it was still 0 % interest. 

2.5 years later, On XX/XX/XXXX, I looked at my account expecting to see that I owed less than {$1000.00}. What I found instead was that my balance was {$4000.00} with {$3100.00} payed in interest! According to them, they had deferred all my payments to interest and said that I was notified via my statements. For 2.5 years I payed my bill with autopay setup, which they apparently set for less money than what was required to meet their requirements for deferred interest. Its a scam, and they used deceitful and confusing tactics. The last 6 months I payed {$900.00} with XXXX going straight to interest! And I was unaware! 

My receipt first page states that I signed up for synchrony XXXX XXXX XXXX payments, which I assume mean XXXX XXXX XXXX  payments, however that is not what I got. My first few statements were steady, then drastically dropped off each month. Again, another tactic to make me miss the XXXX XXXX mark ( which I was unaware of ). On the second page of my receipt, the salesman wrote that I had Synchrony for 12 months. I think he got lost in his own deceit. To further add to this deceit, I have no documentation of the " loan '' /credit card itself. Nothing explaining this apparent XXXX XXXX deferred interest promotion. My account on the Synchrony website also has no documentation or explanation of the terms of this account. With no available documentation, how can this be legal!?!?! 

I spoke to countless Synchrony customer support specialists, and worked my way to the final person. Explaining the situation to each one. Each and everyone said I was wrong, and owed them the money regardless of what I was told. They said all that mattered was what I signed and I owed them an additional {$4000.00} regardless of what I said or who I talked to. 

I immediately paid the balance to prevent any further interest charges, but still feel like I am owed all of that interest back, {$3100.00}!

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 2022-06-25
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:
In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified. 
These INQUIRYS are fraudulently on my credit report. 
Please send me verification I authorized these : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX This is ground for removal they violated my rights. 15 U.S.C.1681 section 604 A. 
Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 
Also the Credit Bureaus took more 30 days to complete my investigations.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice from credit control corporation on XX/XX/XXXX for {$490.00}. I logged onto their website to gather additional information to see if it was mine and the amount online is {$620.00}. This seems like a scam. I would like this to be removed from my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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