BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: NY
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:
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2002 Balance : {$4000.00} and XXXX XXXX XXXX Date XXXX Balance : {$0.00}.

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-29
Company: RC Willey
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, I purchased carpet and installation services from RC Willey XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX NV XXXX. I was notified that in order to book the installation date I would have to pay the entire cost up front ( {$4000.00} ) or make a 50 % deposit of the entire cost. 
I opted to make the 50 % deposit which amounted to {$2000.00}. At no point in time was I informed verbally or in writing that a 2.6 % fee would be added to the total amount afterwards. No where in the Flooring agreement and promissory note that I signed on XX/XX/XXXX does it state a 2.6 % fee would be added to the installation if I used my credit card for payment. 
When I returned to complete payment on XXXX, I was expecting to owe the exact 50 % balance I was told I owed. RC Willey decided to add the 2.6 % fee surreptitiously but I noticed the difference and inquired why did the cost increase? There was really no good answer. 
I believe this constitutes deceptive and misleading sales practice. Whenever I have conducted business with any company that accepted credit cards for payment, this charge was clearly and openly disclosed beforehand. This did not happen in my case.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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, Experian and 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 explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: MO
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Credit agencies are reporting inaccurate information on my personal credit history and 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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit report is showing late payments to XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

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 2022-12-02
Company: EQUIFAX, INC.
State: IA
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: Problem with personal statement of dispute

Complaint:
Equifax website won't allow submission of documents. only after a complaint was submitted has this happened due to their failure to respond to a dispute of XXXX XXXX XXXX that has exceeded well over 90 days which is a violation of FCRA, and company has failed to provide verifiable evidence or provide evidence that this company has not violated FCRA and HIPAA laws. I am submitting documents through XXXX. equifax 's non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees. EQUIFAX is still reporting this collection on my credit report, which is considered to be a collection activity. EQUIFAX is in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Bread Financial Holdings, Inc.
State: NC
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:
Comenity Bank for my Ulta MasterCard. I've been unable to login for the last week ( end of XX/XX/2022 through today XX/XX/XXXX ) or use EasyPay  or get through by phone to make a payment. The company has communicated poorly regarding their attempts to solve the problem, and I'm concerned my inability to access their site to make my payment will negatively and erroneously affect my credit, which may be cumbersome and burdensome for me to correct when the mistake is theirs. Upon regaining access, I will be paying the account off in full and closing it permanently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX account # 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
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:
n accordance with the Fair Credit Reporting act XXXX XXXX account # 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card 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 non-monetary relief
Consumer complaint received 2022-12-02
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
US Bank credit card fraudulent card applied for in my name on XX/XX/2022 by former 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 2022-12-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are addresses that Im not associated on my credit report and I would like them to be removed

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 2022-07-29
Company: Maximus Education, LLC dba Aidvantage
State: PA
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, the consumer, have discovered several violations done on the part of the financial servicing company XXXX XXXX XXXX XXXX XXXX XXXX and Aidvantage. 
Pursuant to federal consumer regulations 15 USC 1681a ( 1 ) a consumer report is one of a written oral report provided by the consumer ( I, the consumer did not provide this information to any of the credit bureaus ) 15 USC 1681a ( 2 ) ( ( A ) ( i ) ( ii ) ( iii ) - prohibits the furnishing of any information pertaining to transactional relationships and communications between the corporations and consumer 15 USC 1681 section 602 A states I have a reasonable right to privacy and that has been violated 15 USC 1681 section 604A states that a consumer reporting agency can not furnish a account without my written permission ( I the consumer did not give any consumer reporting agency permission to furnish this information ) XXXX  and AIDVANTAGE furnished inaccurate and damaging information to my consumer credit report XXXX XXXX and XXXX Consumer has also discovered pursuant to 15 USC 1 every contract in restraint of commerce is declared illegal and is fined at {>= $1,000,000} or jail of 10 years Consumer grants permission to CFPB to act on their behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
my loans started with XXXX and have recently been transferred to Aidvantage who is mashandling my loans and misinforming me of my rights. I had an IDR plan with XXXX that started XX/XX/XXXX in the amount of {$39.00}. i paid this until XXXX when my loan was transferred to aidvantage. in XXXX aidvantage charged me XXXX instead of the IDR XXXX when i inquited the associate was not sure why i was charged this amount as the rest of my payments were listed at the XXXX. I decided at that point to continue with the government defferment as money was tight. I recently went in to check my account due to the restart in XXXX payments. they are charging me {$210.00} XX/XX/XXXX and XX/XX/XXXX, and then reverting to the {$54.00} for the remaining months through XX/XX/XXXX. I called to ask about the error and was told there was no error, they can change the amount at any point and that I have to re certify to resolve the issue. I told the associate that they could not change the terms on my idr until XX/XX/XXXX per their own website. I then read them the terms listed on the FSA covid idr announcement and was told those did not apply to me. I asked for a supervisor, they forwarded me to a XXXX. she called me 30 minutes later and immediately hung up with out talking to me and has not reached back out. they are trying to bully me into recertifying instead of honoring the terms laid out by FSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
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: Account information incorrect

Complaint:
On XX/XX/27 I sent a 609 letter to each bureau, XXXX, equifax and XXXX  on behalf of inaccurate information reporting on my credit report. I have not received any response from neither bureau. Please investigate on behalf of my disputes sent on XX/XX/27. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: KLS Financial Services, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical appointment in XX/XX/2022 at XXXX. Amount was billed and paid by insurance. However, as I was switching jobs it seems that another insurance was active as well. This then had first insurance company remove payment. I was not notified and fastmed did nothing. Instead I was sent to collections as the payment removed was done months after. XXXX showed I was late by months when I was not. Ive provided my second insurance to KLS Financial Services - debt collection, but they said it is not past due and past ability to submit claim. I was not notified of insurance issue or asked to pay. As the debt was paid originally and then removed I would expect I was asked why and able to correct the issue versus sent to collections. Ive called, email, and tried the website of KLS Financial Services and they have fold me that they believe I still owe debt. KLS and XXXX are not acting appropriately an going to the right insurance company.

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 2023-12-15
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a card that was sent to me 5 times within 3 weeks through mail from Chase. Regardless whatever they believe the reasoning for my denial, I have the right to credit and withholding access to my securities is securities fraud. They are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since they are denying me my credit, I want them to reconsider their fraudulent decision made on my account. Reference number XXXX. 
I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. XXXX XXXX : Reference number XXXX : 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. Reconsider this account immediately unless they want to be held liable {$10000.00} FOR violation of each of my rights to credit and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is my second complaint on TransUnion for the same issue. Company " responded '' that the credit score has a fee. I know that. TransUnion cashed my {$15.00} check on XX/XX/2022, which paid them to obtain my credit score, and they still have not provided it. They have had the money for four months. They need to send the score.

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 2022-07-01
Company: EQUIFAX, INC.
State: CA
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 Account # XXXX, XXXX XXXX XXXX  XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: PENTAGON FEDERAL CREDIT UNION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Back in 2017, I used to have a credit card through PenFed. I was unable to make payments so I stopped paying on it. 

Over the next few years, PenFed eventually charged the account off. I never received anything in the mail notifying me of this. Then, the third party debt collection agency, " XXXX XXXX, XXXX '', took over the debt, which I wasn't made aware of. They summoned me to court but I tried settling with them out of court. During this time, the Pandemic caused my job to lay me off. I called XXXX XXXX XXXX XXXX ( The Attorneys for XXXX  ) so I could try to ask for more time. They told me to just give them a call back when I get another job. 

2 years later, out of nowhere, these guys just started taking money from me. I never received any letters notifying me that any of this was taking place. And now I am being garnished {$400.00} per paycheck. The way these people are handling my case is unacceptable as well as unfair. I am currently taking steps to try and sue these people for their incompetent and predatory practices. Please help me in any way that you can. Thank you for your time. 

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