BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2022-07-19
Company: Shellpoint Partners, LLC
State: FL
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:
Creditor - XXXX ( Mortgage from Shellpoint NewRez ) Status comment : Paid, was past due 180 days or more Remove the was past due 180 days or more. I was part of the governments sanctioned forbearance plan and as a XXXX protected person I am unfairly being targeted by this additional statement by not being able to obtain housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$24000.00} XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}

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 non-monetary relief
Consumer complaint received 2022-07-19
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: Their investigation did not fix an error on your report

Complaint:
Creditor - XXXX XXXX XXXX ( Mortgage from XXXX XXXX ) Please change Status to CLOSED PAID IN FULL. BALANCE XXXX. I was part of the governments sanctioned forbearance plan and as a XXXX protected person I am unfairly being targeted by this additional statement by not being able to obtain housing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 2022-07-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX  : accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, US Dept of EdXXXX XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 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 2017-09-01
Company: Experian Information Solutions Inc.
State: CO
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:
I want to report Experian violation of the Fair and Accurate Credit Transactions Act [ FACT ACT ]. I have tons of trade lines on my credit report. One of the trade lines, reported by XXXX [ Opened on XX/XX/XXXX ], erroneously reported my account was being " 30  days late '' in XX/XX/XXXX, even though I mailed  them a payment check. When I opened a dispute through the Experian website, Experian forwarded the dispute to XXXX, and let XXXX have the SOLE decision to make a decision without reviewing all the facts and documents presented to them. To give the creditor sole power to make decisions is an illegal process that can result in incorrect information on a person 's creditor report. 

I hope this error gets resolved by Experian because I intend to file a complaint with Colorado State Attorney General Office to have them look into it. As a consumer yourself, you know how frustrating it can be for a company, or in this case, a big bank, to make a mistake and then reporting a " 30 day late '' on my consumer report, and refusing to correct it. 

I have attached copy of the check I mailed to XXXX as proof that a payment was sent to them. I want Experian to update my account status to remove the " 30 days late '' to accurately reflect the status of my account according to the Fair and Accurate Credit Transactions Act ( FACT ACT ). Since they house all the data, they have a legal responsibility to make sure it is accurate.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
In spite of absolutely NO negative activity on my credit reports and maintaining excellent repayment of my debts, I found my credit scores on Transunion and XXXX dropped from approximately XXXX to XXXX for Transunion and XXXX for XXXX with no explination available. I have looked through all the factors impacting my credit on the websites and found no reason for this negative action on their behalf. 
I started this year with incredibly expensive dental bills totalling {$10000.00} that I put on credit and have been paying. This should not be an indicator that I'm no longer a good risk when I have been paying in good faith! In fact, XXXX decided that I'm so responsible that they recently raised my limit from {$17000.00} to {$22000.00}. 
XXXX is still showing a XXXX credit score as of XX/XX/2022 with a FICO score XXXX of XXXX. 
I have no way through their websites to request an investigation into 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 2017-09-10
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company has contacted me at my place of employment twice. The company interest rate is well over of the cap for the state of Minnesota. They are not registered with the Minnesota Department of Commerce to make small consumer loans in Minnesota. Also, they tried to withdrawal funds on XXXX using check number XXXX. I never provided this check number to the company. 
I was unaware of my rights after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Experian Information Solutions Inc.
State: CA
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:
Good Day, My name is XXXX XXXX, and I am XXXX from XXXX XXXX. I learned today ( XX/XX/XXXX ) that Experian Credit has been billing my XXXX XXXX credit card account each month for the past 34 months for some type of crediting report or updates that I did not request, did not access and did not want. I have contacted the credit card company to put a stop to the charges. I was finally able to contact Experian and learned from the call taker it has been going on since XX/XX/XXXX. Experian said they began charging my credit card after I " agreed to the terms & conditions '' on their online site to receive a report. The call taker said I requested the service after they offered a discounted price of {$4.00}, and that I was supposed to cancel after a time if I did not want it. They said the following month it went to {$19.00} a month and was increased to {$24.00} later. I have no history with their company or their website, other than requesting a onetime credit score for a job application around XX/XX/XXXX. I  recall I was charged a small fee, but did not request any other services. I believe Experian used unscrupulous, misleading or fraudulent tactics to obtain money from me for services I did not request. 

I am in contact with my XXXX XXXX to get a complete statement of activity to show the charges, but my estimates are that it is about {$730.00}. XXXX XXXX is sending these via US Mail which will take at least 5 days. 

An Experian " supervisor '' named XXXX advised me to go to their site : XXXX XXXX XXXX and provide the reference number XXXX. He gave no hope they would refund anything, other than the past month billing. Although it sounds futile, I will attempt this. 

Thank you for any help you can give me.

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 monetary relief
Consumer complaint received 2023-04-01
Company: Credit Karma, LLC
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I live in NM 5 charges of XXXX for a store in XXXX was made 1 minute apart. I have never been to XXXX. I didn't go there shopping. My account is with credit karma. I filed a dispute the same day. The next day this same business tried to take our XXXX 5 times but I had stopped the card. Credit karma said they investigated it and couldn't resolve it so no credit back to my account. Even through it wasn't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: HEARTLAND PAYMENT SYSTEMS INC
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have a school loan with a company out of Kansas that was called Educational Computer Systems Inc. or ECSI, now they are known as Heartland ECSI. My current balance is XXXX. The last statement I received from them is a bill stating that I am 30 days past due. Which came as a surprise to me, because I am supposed to be " in-school '' status. I am currently attending The XXXX XXXX XXXX XXXX online. I did have to drop from full time status for one semester because of the class schedule they have worked out for me. I have tried to get in contact with ECSI once I realized this and for the past week on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to no avail. I have tried by phone, by chat and by their site. Apparently their site is down. I can understand the site being down, but what about the phones? Ive put my number on their list to call back three times, ... nothing. I was on hold for over an hour on the XX/XX/XXXX too. I ca n't help but think that they are n't doing every  thing that they can to keep in contact with their borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have called my personal cell several times a day from different numbers. Called my job back to back everyday. My manager has told them several time to please stop calling as it a XXXX XXXX and they would turn around and call right back a minute later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
I have repeatedly tried to pay this card off and have met resistance over and over again. Capital One has not one time complied with their agreements made with me including payments. I originally applied for this card due to their loyalty program regarding in time payments for 6 months and due to their reluctance in accepting payments and complying with terms agreed upon within the contract and personal agreements between myself and their associates I was kicked out and now I have accrued late fees, return payment fees, and interest that should not have been added. I finally got fed up and closed my account and that was when the real trouble began. 

Several times my payments were not recorded due to Capital One refusing to process payments an/or claiming they never received them even when I proved through receipts, bank statements, and/or copy of money orders. Most recently we both agreed to a XXXX XXXXXXXX payment to be processed on Tuesdays and they have changed it to Wednesdays without my knowledge or consent. Two weeks ago on the XXXX of XXXX this agreement was made and a {$25.00} payment was made that day which was processed on the same day and taken out of my account the following day. Last Tuesday a payment was not processed so I called Thursday, the XXXX, and that was when I found out the payment date was changed to Wednesdays and that the process takes 3 days. Today makes the XXXX day and still no payment process Yesterday, the XXXX, I called to cancel weekly payments and the payment from last week still had not been processed. I am sick and tired of the laziness of this company that is destroying my credit and has been for almost 2 years. This is not the first time I have had this issue with them. They have done this exact same thing on the other card I had with them and I want this off my credit IMMEDIATELY!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX  : accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, US Dept of EdXXXX XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2017-09-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I do not know what to do, I placed a fraud alert on all three of my credit files but someone is still accessing my credit through Experian. I want these remarks removed I DID NOT APPLY FOR ANYTHING. 

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 explanation
Consumer complaint received 2017-09-01
Company: Experian Information Solutions Inc.
State: TX
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:
These companies has inaccurate information on my credit report and I want it off my credit report file. I contacted Experian, and XXXX on several occasions more recently on XXXX XXXX, XXXX and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the United State Issue : Bankruptcy Court that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. I still trying to understand how they verified the information when according to XXXX, they could not verified the information and they deleted this same exact thing off my credit file. Therefore I would like it deleted from my account immediately. If this matter is not resolved by XXXX XXXX, XXXX, I will file a civil claims lawsuit against Experian, and XXXX Credit Reporting 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 2022-07-19
Company: Bright Capital Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
When I first started using this account it was app based connected to a phone number. I open a XXXX ( I think they call it a loan ) and transferred money over to them. 
All was working great until I had an update to the app and I no longer had access to the XXXX. I can not make adjustments to the payment ( want to pay it off ) however they are still taking the minimum payment from me and charging me a {$9.00} service fee. Ive tried calling them weekly for the last month and only get a user busy notice. Ive emailed them multiple times over the last 2 months and the actually get someone to respond but the problem hasnt been resolved. Their chat service has completely ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2017-09-10
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:
I have heard and read about the recent credit report and social security number leaks from Equifax, and am concerned about the security of my social security number and my credit information. I have also attempted to check to see if I was affected by this info leak, and then discovered that Equifax has been randomly generating screens that say your information was or was not compromised regardless of the information entered. This is especially concerning, as it implies that Equifax is not even aware of exactly who did or did not have their information compromised. 

I would like to take every step to ensure that my information is made secure again if it was compromised, and I would like a detailed explanation of how this could have happened, how it will be prevented, and how I and others who had their information compromised will be made whole again.

Company response to consumer: Closed with explanation