BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 XXXX 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 severe 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 2017-06-08
Company: CITIBANK, N.A.
State: OR
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:
On XXXX 2017 My XXXX sent a certified check via overnight mail to Citibank-in the amount of {$7500.00} to address : Citicards, Citibank / XXXX XXXXXXXX XXXX  XXXX, XXXX, KY,XXXX. The check number is : XXXX again in the amount of {$7500.00}. I have called over 5+times to ask where this payment is-thus far, " no payment has been found '' -this is a lie, as my certified tracking shows mail was delivered. Where is my payment? 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 2022-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I have been denied extension of credit by a credit limit increase. I communicated with the company requesting a statement of reasons as to why such action was taken against, the company has failed to do so. The company has violated 15 U.S. Code 1691e and 15 U.S. Code 1611 and is subject to both civil and criminal liabilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TD BANK US HOLDING COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX Last Four of Social : XXXX Account Number : XXXX Dates of Delinquency : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 The consumer is violating my rights under the FCRA to conduct a reasonable reinvestigation and told me via email that they do not have to response to be inquiries regarding the delinquency on my credit profile. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. ( Thomas v. Hyundai Capital Am. ) My inquiries about the delinquencies on my credit profile are not frivolous. 
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating : Account Number : XXXX Dates of Delinquency : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please tell me how you verified these items. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. On this account ( XXXX ) some months are reporting as late with your company but the other two bureaus are reporting something different this means that the account has not been properly verified. Please delete let late payments on the account immediately.Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Harvard Collections, LLC
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:
Viewed my credit report and notice that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and these accounts are fraudulent and does not belong to me. This process of trying to get my life back on track is becoming overwhelming due to these negative remarks thats on my credit report. These discrepencies that are on my credit report are holding me back from moving forward so I am asking that this problem be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I close out an account with XXXX auto insurance due to the misrepresentation, high fees, hidden charges, lack of over all integrity in proper clear communication with consumers. 

The account was closed timely- with non existing contract- zero balance. 

It disturbing to encounter that XXXX auto insurance company is coming after me for monies I DO NOT OWE. 

Extremely dissasified with their services policy ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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: Investigation took more than 30 days

Complaint:
I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$5500.00}, {$6000.00}, {$7400.00}, {$21000.00}. 
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 ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$2500.00} -This is not my account. 
XXXX. XXXX XXXX SERVICE with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$5500.00} -This is not my account. 
XXXX. XXXX XXXX BANK with ACCT # 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 2021-05-18
Company: ENCORE CAPITAL GROUP 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:
on XX/XX/2021, I sent 4 Certified letters to Midland Credit Management Services regarding some collection accounts they claimed I owed. In my letters to them, I requested several specific items as to why they think owed the debt. I asked for name, address, account number and amount owed. I also asked for original creditor info, amount owed to creditor at the time it was transferred to them. I asked for verification and documentation that there was a valid basis for claiming that i am required to pay the debt to the original creditor ( ex ; some type of written agreement ). I asked for a copy of the last billing statement from original creditor, any interest, fees, or other charges. 
I asked for them to provide proof of a debt collection license in Texas with license number, date of the license, name, address, and telephone number of the state agency issuing the license. I know they have 30 days to respond to my certified letters so i waited 45 days and did not receive any response from them. At that time I asked them to delete this inaccurate info from my credit reports and yet they refused. On XX/XX/2021 I sent out a 2nd round of the same 4 Certified letters ( 1 for each collection account they are claiming I owe them for ) and today makes 44 days and I still have not received anything from the collection agency. I made a complaint recently with CFPB and the only thing Midland Credit Management said was " This information is accurate ''. I didn't them to verify my name and address, I asked for a thorough investigation and to provide me with the specific information i requested but after almost 90 days, and 2 rounds of certified letters, they still have not provided me with the information i requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA 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. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX 2017 I increased my direct draft amount from the min monthly pmt to the next whole {$100.00} 's to add a little bit on the principle payment each month. On XXXX first the larger payment was drafted from my checking account and has successfully drafted on the XXXX and XXXX each month since ( XXXX, XXXX, XXXX, and XXXX ). On XX/XX/XXXX an employee miss applied one of those drafts as a payment all on principle. Since that time the company has called me several times at the beginning of the month and around the XXXX of the month to notify me that my mortgage payment is late. The phone calls began onXX/XX/XXXX. I worked with the caller on the XXXX to identify what the problem was and was told that the error was on their part and that they would fix the application of that payment on XX/XX/XXXX and there would be no further action needed by me. Then XX/XX/XXXXcame and so did more late payment collection calls. Again I went round and round with the customer service department and called back several times the first week in XXXX to get this resolved. I thought it was done until the calls started again on XX/XX/XXXX. Again I explained the problem, the rep looked at the acct history and again I was assured that the problem would be fixed. The XXXX calls actually started on XX/XX/XXXX this time and I was assured by several customer service reps and supervisors that the issue would be resolved, they had expedited the problem up the chain of command and the rep would call me back on Monday to update me on the progress of the resolution. It is now Thursday,XX/XX/XXXX and the rep will not take my calls and when another rep asked her for an update she told them that she did n't have anything to tell me yet so she did n't need to actually speak to me. I have a letter datedXX/XX/XXXX, the day after I was assured the problem would be resolved, stating that my payment is late and " As required by law, we may report .... to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. '' This problem and " late payment '' is not my fault and it is just shy of 2 months since the company miss applied my payment causing me to be late. I need help to get this resolved please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I 'm a co-borrower to 4 student loans for my daughter. The interest on the loans keep going up, therefore, my payments continue going up. I pay over {$800.00} each month. The balance is over {$100000.00} and it does n't appear to get any smaller. I have called them in different occasions and they state there is nothing they can do, and that the interest will keep going up. Currently the two largest loans are at over 7 % interest rate. A smaller one is at over 4 %, and I paid in full the fourth loan I had over 9 % interest rate. They told me to put my loans on automatic payments and that it would keep the interest rate low. I did that but the interest rate keeps climbing. I have been paying these loans for about 8 years and the balance is pretty much still the same. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA 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. 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 explanation
Consumer complaint received 2022-10-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an American express platinum card due to fees being exempt for military. After I applied, I was charged XXXX like everyone else and they said I was not in the XXXX system. I have spent multiple hours on the phone, send documents to prove I have been on XXXX XXXX for a long time. They wouldn't take the fee off. A supervisor told me that they see I am XXXX XXXX but will not waive the fee. Card was opened in XXXX and they have waived every year except the initial. I am at my witts end trying to resolve this. Please help. I'm still on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

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 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All three credit bureaus are horrible. Everyone is at their mercy and the fail to meet demands for the industry. 
They continue to not update information. 
They continue to NOT review supporting documentation. 
They websites continue to NOT work and one can not upload any data. 
They are NEVER available on the phone. 
They are ALL only interested in the consumer subscribing to their services. 
They charged 2x for the same service in a single billing cycle and not reimburse. 
There has to be a better way, especially during this pandemic and beyond. 
IT is absolutely ridiculous that we are all at the mercy of credit bureaus that have never ending data breaches and continue to hold outdated and false data. 
I believe the banks and creditors must be giving them a kick back. 

HORRIBLE HORRIBLE HORRIBLE.

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 2022-12-16
Company: Experian Information Solutions Inc.
State: OH
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 been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the XXXX to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America is illegally holding my funds, which Ive filed a complaint about. They have now forced my account into overdrawn status, and Im sure they will now start charging overdraft fees because they are illegally holding my funds. This is terrible conduct that can not be allowed to continue. Please help. Theyre illegally withholding funds from a retirement check thats been signed by two parties and is in no danger of not clearing. They have no basis for withholding the funds and are in violation of the law.

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 2017-06-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX I mailed in my police affidavit and FTC complaint to Equifax to remove fraudulent information on credit report. Instead of removing information they 've opened an investigation into said items and refused to block fraudulent information from reporting under the FCRA. I 've followed the protocols set fourth by the FCRA and EQUIFAX and they 're refusing to remove those items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Experian Information Solutions Inc.
State: IN
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:
Gathered my free annual credit report from XXXX XXXX XXXX. Went over information that was incorrect and called Experian to correct it. In the meantime I went over the inquires on my account, on my credit report the report shows no inquires that others can see, on Experian the report shows XXXX inquires that Experian and other creditors could see. I asked why it was only showing on their end, customer service rep said he did n't know, I asked to speak with a supervisor and asked the same question but they did n't. I asked if they could remove them from the system and the supervisor said although you can not see them, they will remain. The supervisor thought that there was an issue with the website I was on, she then asked me to look up my report on the Experian website, I did as such and it showed the same, no inquires. Supervisor said there is nothing we can do..

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