BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX Account # XXXX. In accordance with the Fair Credit Reporting Act, TRANSUNION 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.

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 2017-09-12
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: Account information incorrect

Complaint:
I have a problem with Transunion. They have incorrectly reported a student loan on my account. 

This loan is closed. When I disputed it they split the loan in two and are now reporting two derogatory loans. 

I had 1 consolidated loan with XXXX. XXXX closed the account and discharged all remaining amounts back to XX/XX/2015. 

XXXX and XXXX report this information correctly but Transunion refuses to update the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check from XXXX XXXX XXXX in the amount of XXXX and I did a mobile deposit online and I had very little amount of money available for use and I called Citibank checking account and see if they can speed up the process or call XXXX XXXX on three way to verify the funds but they refused and told me I need to go to the branch and there is no branch in Texas and I was told I need to wait 3 business days for the money to be cleared and but if Citi look at my previous deposits I did in the past I had those checks clear without any problems or no check returns at all ... now that money is on hold I have to wait three business days which I hate to do and Im considering closing my account in XX/XX/2020 cause deposit process takes too long and Im angry over this ....

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 2022-06-15
Company: Experian Information Solutions 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:
Experian credit status deems me as " 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 2019-07-29
Company: Lending Club Corp
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I tried to pay the loan off in full on XXXX XXXX.  I wanted to use another bank account and when I entered the new account number that starts with a leading XXXX XXXX, I could not save it.  I dropped the leading XXXX and it saved.  I made the payment and sent a secure message to Lending Club/XXXX XXXX   telling them about the issue.  I received a response back that did not address the issue.  I have since been able to make the full payment of XXXX.  However I have now been charged a XXXX  fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Experian Information Solutions Inc.
State: KY
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:
On XX/XX/2019 XXXX XXXX Closed my credit card account stating my credit worthiness was bad. I wanted the account closed due to fraudulent charges which they state do not exist. I filed a police report and submitted it to XXXX XXXX which they state I never did. Thats a flat out lie. 
Im glad they closed my account as I requested. My problem is that they continue to report late payments to the credit bureaus XXXX  and Experian. These reported late payments should not be reported to my closed 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 2020-11-16
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 ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX  and the subsequent response received on XXXX XXXX XXXX  enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX 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 2022-06-15
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In early XXXX I became aware of an ongoing identity theft and fraudulent debt issue against me when my legitimate XXXX Credit Card, which was in good standing, notified me that they were drastically decreasing my credit limit. 

When I got a credit report to investigate the unexpected issue, I discovered there were several delinquent credit card debts in my name, with my Social Security Number that I had never opened or were aware of. Some of them were fraudulent and in good standing, most were delinquent and one of them was already in collections. Others had been closed. The following are the fraudulent debts that appear on my credit report : Bridgecrest Credit Company , LLC ( opened XX/XX/XXXX ) for {$15000.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX ) for {$2400.00} XXXX XXXX  ( opened XX/XX/XXXX ) for {$550.00} XXXX XXXX XXXX ( opened XX/XX/XXXX ) for {$300.00} XXXX XXXX XXXX  XXXX ( opened XX/XX/XXXX ) {$1000.00} XXXX XXXX ( opened XX/XX/XXXX ) for {$700.00} XXXX ( opened XX/XX/XXXX ) for {$600.00} XXXX  XXXX ( opened XX/XX/XXXX ) for {$1000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX for {$4800.00} XXXX  ( XX/XX/XXXX ) for {$2000.00} I contacted XXXX and XXXX credit reporting companies several times in XXXX and received a credit report with my legitimate and fraudulent charges and sent in paperwork to contest the fraudulent charges. They notified me that the fraudulent charges I contested had been verified by them as charges made by me. 

However, the fraudulent charges on my report are apparently being made with my actual Social Security number and from a person using my name and a middle initial, which I don't have in my Social Security record. The addresses associated with the fraudulent charges are not the same as my actual address where I currently live and have worked from for more than 10 years. 

While I worked to resolve this, I asked that the credit reporting companies freeze my credit in XX/XX/XXXX, which they said they could and would do. However, two more fraudulent credit charges were made after that. That is where the matter stands now and why I am contacting your agency.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have my rights 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 2018-06-03
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX/XXXX XXXX is reporting a claim on my credit report which is showing as a derogatory charge-off with {$0.00} balance- the debt has been paid in full and they continue to report it derogatory. 
I sent a certified letter to the company that was delivered on XX/XX/XXXX as formal notice the claim is disputed. 

First off, I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. In which I requested the " validation '' ; to be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual agreement with the company ( which is my legal right as a consumer ). 

I also made the company aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the account, then they must request that all credit reporting agencies delete the entry. 

I included a second letter in the same certified envelope that was delivered XX/XX/XXXX-to advise the company that this was not a refusal to pay, but a notice that the claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the account they are reporting to the bureaus. And requested proof that I am indeed the party responsible for the derogatory account that they are reporting on, and that there is some contractual obligation that is binding on me to this account. 

In addition, I made clear that the letter is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

As of today, the account and derogatory marks are still being reported to the bureaus and no validation of the account being mine has been provided, sent, or followed up on. 

I have attached to this complaint the 2 certified letters I sent to the company, copy of the delivery confirmation receipt, information/account status being reported by the company to XXXX, XXXX & XXXX as of XX/XX/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 2022-06-15
Company: T.S. Holdings
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter stating I was sent to collections for rent due in XXXX & XXXX of XXXX at XXXX XXXX. This is incorrect information, I did not live at XXXX XXXX after the end of my lease in XXXX of XXXX. The debt that was sent to collections isnt mine nor did I sign a lease for those dates. The management company has been unable to produce my lease from XXXX or the lease from XXXX. They cant not find it and it is assumed to be lost. I called IQ Data and spoke with a man who was deeming, respectful, and just plain difficult. He gave me false information stating my letter was returned to sender when I tried to get more information on what was returned to sender he just kept repeating the letter was returned to sender. I asked him if he received my dispute letter to the po box and he replied I dont check the mail, thats not my job. He would not explain or help assist me in anyway. I called back a few days later and spoke with another man who was EXTREMELY helpful and restored my faith in this company. He walked me through the process, explained my options, explained what was returned to sender ( the letter they sent back to me, not my dispute letter ), and stated the collection agency is also trying to get the lease from the management company, which they have still not provided to them either. He was honest, kind, and so helpful. I then spoke with the management company who said she can not find the lease anywhere and stated I would not be on the second lease because I had signed another lease with another company and had I been on the second lease at XXXX XXXX they would not have leased me another apartment. I agreed. She said she would write me a letter stating it can not be found. I then called IQ Data back and begged the first person on the line to NOT send me to the same person as the first time. They could not and sent me back to XXXX and it was round 2 of this man being extremely unhelpful and difficult. I asked where should she send the letter to and he just stated they have all our information that they need. I asked what I need to do and he just repeated send in a dispute letter over and over and over again like last time. I replied I have already sent the letter and you confirmed you received it why would I need to send another? He just repeated what he had said before. This man was infuriating and extremely upsetting. I understand debt collections isnt customer service but at least the 2nd gentleman I talked to helped me out and explained stuff to me. He was so much kinder and helpful than this XXXX. 

This debt is false information and I dont know what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Upgrade, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a credit card payment for XXXX on XXXX XXXX and only XXXX was applied to the payment and Im not sure where the XXXX was applied to because on the statement its doesnt show any details where my money was applied. The interest rate 29.49 % which I believed the XXXX was applied to interest. I reached out to customer service and the representative said she have no details about my credit card account I will need to sign in to my account and calculate it myself. I need some type of resolution about my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Experian Information Solutions Inc.
State: AZ
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:
No specific representatives name and email for Experian. Only through the website. Notarized letters sent via certified mail is the seventh attempt to resolve inaccurate information concerning : Experian Report # XXXX, dated XXXX ; report # XXXX dated XXXX report # XXXX, dated XXXX ; report # XXXX dated XXXX ; report # XXXX dated 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 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
show tooltip button CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ftc

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 2022-06-15
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/22 To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 

Best Regards, I have attached my ID to this letter.

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 2022-06-15
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:
On XX/XX/2022 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I opened an account with Santander Consumer through a XXXX  branch in GA. The account was sold to me as a single use account to cover the purchase made that day.

I made all timely payments, always more than the minimum amount due. On a XX/XX/XXXX instead of paying the required {$25.00}, I paid the account in full for {$230.00}. In XX/XX/XXXX I received a statement for. {$0.00} cents. I called and asked why I had gotten a bill when I had paid in full. The employee stated that it was interest on the number of days between my last bill and time paid. I told her that was silly and it would now cost me more than {$0.00} to pay then. I was then told not to worry about it. I didn't.

Then in XX/XX/XXXX I got a call about an outstanding amount. I disputed that on the call making it very clear that the account was paid in full and closed. The calls continued. I disputed. No luck. Now they have place a derogatory mark for charged off with credit bureaus for {$250.00}. An account I paid in full, called and cared for {$0.00} and closed is impacting my credit score and I was denied a mortgage because I lacked the desired 720. If they are insisting on their {$.00} I will gladly pay it but they are refusing to remove this mark from my credit report. In 7 years I have missed one payment on a credit card, and with utilization of 31 % this collections which is incorrect, unfair and a money grab is impacting my ability to buy a home. I want this removed from the credit reporting agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/22 To Whom it may concern, I recently challenged the validity of XXXXXXXX XXXX  XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 

Best Regards, I have attached my ID to this letter.

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 2022-06-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX  Reported : XXXX XXXX, 2017, 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