BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : FORMAL COMPLAINT TO DELETE INACCURATE AND UNAUTHORIZED INFORMATION. 
THE FOLLOWING INQUIRIES LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. THEY WERE NOT AUTHORIZED. 

XXXX XXXX XX/XX/XXXX NOT AUTHORIZED XXXX MORTGAGE SERVICE- XX/XX/XXXX NOT AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLUS- XX/XX/XXXX NOT AUTHORIZED According to fair credit reporting act, 609. disclosures to consumers [ 15 u.s.c. 1681g ], you have 30 days to investigate these accounts and delete them if they are not verified correctly from the creditor. I demand a signed contract with my signature in ink from the creditor. I demand the name, account number, the payment terms, the status of the account, the amount past due, the payment amount, the date the account was opened, date of the last activity on the account, and the balance due on the account sent to me.

The fair credit reporting act 611. procedure in case of disputed accuracy [ 15 u.s.c. 1681i ] states an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 u.s.c. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I DEMAND ALL UNVERIFIED AND INACCURATE INFORMATION TO BE DELETED FROM MY CREDIT REPORT. 

PLEASE SEND AN UPDATED COPY OF MY CREDIT REPORTS, PERMISSIBLE PURPOSE, PROOF I INITIATED INQUIRY, SIGN DOCUMENT OF MY SIGNATURE FOR INQUIRING THE LOAN, AND THE RESULTS OF YOUR INVESTIGATION NO LATER THAN 5 DAYS AFTER DELETING THE 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 2020-02-14
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I Submit through the mail to Experian XXXX and XXXX XXXX Deletions to credit report According to the provision of the fair credit reporting act 611 ( a ) 15 USC 1681j ( a ) to all three credit bureaus Failed to send me the names addresses and numbers of the people they contacted during the investigation to get these negative items removed they sent me updated reports but they are not accurate and they never sent me the information of who they contacted for the items that was not removed some items were removed and some items were not they never contacted me about who they contacted doing their investigation with the names, phone number, and address so that I could do my part to follow up on The investigation of why the items have not been removed thanks and god bless

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 2020-02-14
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020, a representative from ERC spoke at legnth with my spouse regarding the alleged debt they claim is owed. This is in violation of 15 U.S. Code 1692b.regarding the disclosure of a debt to a third party. I have since mailed a cease and desist letter to the company and asked for validation of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
File a Complaint against XXXX XXXX XXXX XXXX : submission succeeded Thank you. Your complaint has been submitted. 

Your complaint case number is XXXX. If you provided an email address, you will receive an email with a link to your case within approximately 48 hours. You may click here to print a copy for your records. XXXX  acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. 
I filed a complaint to Self with the XXXX  since on my Experian report and is not reporting correctly for my Self Secure Credit Card and is impacting my credit score lower than what it should reflect. I stated please provide Experian the updated Secure Credit Card limit along with credit usage. Attached is the incorrect reporting to Experian. Account XXXX I need someone to contact me from XXXX. XX/XX/2022 XXXX AM I received a Notice of Adverse Action My account was closed for no reason stating Description of Action Taken : Termination Account closed - unable to verify customer information. I have not been asked verify my account all my information is correct. I have been making excellent payment history on time never have been late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I belong to a website that states my credit information and there are two separate hard inquiries on my account that do not belong to me. Someone is trying to steal my identity.

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 2022-08-16
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 without 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE.

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 2018-06-03
Company: ECMC GROUP, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2017 I underwent an XXXX and XXXX at XXXX XXXX Medical Center in XXXX, TN. I have XXXX health insurance so I made sure to go to an " In Network '' hospital to keep my out-of-pocket costs low. Prior to the procedure occurring, I called the XXXX department at the hospital to ensure that the copay I was providing ( {$100.00} ) would be my total out of pocket cost. My health insurance paid {$2800.00}, while I paid my copay the day of the procedure. I was told that this would be the total cost to me. 

I was very surprised to see a bill from " XXXX XXXX '' who is out of network with XXXX. I thought it was a mistake. The XXXX fee was balance billed to me as XXXX does not cover " out of network '' costs, even though the facility I picked was " in network. '' I attempted to contact XXXX XXXX to discuss the bill. They directed me to contact XXXX XXXX Medical Center, who said to contact XXXX XXXX. I also contacted XXXX, who merely said they don't cover out of Network claims. None of the 3 parties were able to help explain. I received an unrelated XXXX XXXX in the past year at a different facility, and there was no surprise bill as the XXXX/facility were " In Network. '' Recently, I had 2 derogatory marks show up on my credit report for this one hour medical visit. XXXX XXXX had sent my single account to " XXXX XXXX XXXX XXXX XXXX '' as 2 different accounts.

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 2022-08-16
Company: M&T BANK CORPORATION
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX My account was overdrawn by $ XXXX. I tried to dispute charges and the M & T bank said it was nothing that could be done. I had a meeting with branch representatives and nothing was done it was sent to debt collectors.

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 2022-01-19
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:
I have tried continuously to resolve the following errors and misinformation on my report with these agencies, but they have ignored my requests and have caused me a great deal of distress. I have missed out on employment, housing, and loan opportunities due to their neglect. 
I submitted all the necessary information for them to block the fraudulent XXXX XXXXXXXX account that is showing. I have sent in the FTC report, Affidavit, cover letter and everything else they needed and they still wont block this fraudulent account even after it clearly shows that an account was opened in my name, but my crook misspelled my name.

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 2017-02-20
Company: Chaplain Financial Services LLC
State: SD
Product: Payday loan
Issue: Can't contact lender

Complaint:
I was contacted by this agency this morning and they advised me that I had an outstanding balance in their office, I notified them of my bankruptcy filing over a year ago, gave attorney info as well. 10 minutes ago I received another call from the agency, the person said they never called again, I advised was on my caller ID, and look at my notes from earlier in the day, she said I see you filed bankruptcy when was it, I advised all info including attorney name and phone were provided, the representative then said, you must be a welfare XXXX and hung up on me. I called back and the rep said it was n't me who called but we wo n't call again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I opened a dispute with Bank of America Money Network because my card had been stolen and almost all the money had been spent. Im in a really bad spot financially and Im losing everything because of this, I pretty much have been working a month with one check. I faxed them what they had asked me for which was dates/amounts/merchants. I they continued to not reach back out to me so I kept calling just to find out it had been denied and Id have to appeal and in my situation im living in hotels right now because this happened and Im running out of money so I really need the money back and soon because no I cant wait any longer. Im losing everything because I cant financially cover anything anymore.

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2020 I wrote a letter certified mail # to XXXX  ( usps certified mail # XXXX XXXX XXXX XXXX XXXX ) explaining to them that the Auto loan acct # XXXX was unverified and can it please 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 explanation
Consumer complaint received 2021-06-09
Company: Alpine Credit, Inc
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Had a worker 's comp claim through the XXXX  I worked at. 1 - This debt is IS covered by that, as confirmed with the employer. However, they have not bill the work comp insurance for this item ( only billed 1 or 2 ). We have tried contacting them ( Alpine and original biller in XXXX ) and told that the work comp office must contact them. That office has tried to contact them multiple times and left messages but can not get a returned call. 

At this point the claim is closed and even if they did finally bill them, they could not do anything with it to payout due to the lack of responsiveness and failure to provide information to myself or the worker 's comp office who is responsible for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: JPMORGAN CHASE & CO.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This company is incorrectly reporting my account as over 30 days past due! When I paid my bill online it showed I my balance due was {$390.00}, I made the payment. Now I am being reported 30 days past due. This is unfair abusive practices. This has decreased my credit score by 46 points!! I am so upset this company has deceptive practices. I need this fixed right away! This harmful reporting is causing me anxiety! I just received the alert to my phone!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022, I received a denial letter from Citi for a Citi XXXX XXXX Credit Card. Still being harassed till date with same offer letters that I was recently denied being sent. 

This action is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

Citi is in violation of 15 U.S.C 1642, U.S.C 1681m, and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Recently opened up a Citi Rewards + Credit Card on the XX/XX/2022. Establishing a new line of credit with Citibank. Even more reason I should have never been denied. 

Citibank claims my credit report shows combined credit lines on satisfactory account is too low. A false statement as my credit scores are all above average.

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 2022-03-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: NJ
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 no idea why you are still in doubt of my identity provided that I have submitted all my documents for you to review. Whatever your reasons for doing this, I am still hoping and looking forward that this time you will be able to do your job properly. Once more, I am sending this complaint about you correcting the issues I have with the items, which I have listed below. These items have so many errors and flaws that should result in an immediate update or removal of the items. This concern was forwarded to ( bureaus ) and the creditors but both have neither failed to respond to my request nor provide concrete documentation to justify their claims. The list of incorrect and unknown items are as follows : Personal Information Also Known as : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Charge off : XXXX XXXX XXXX XXXX Balance : {$330.00} Collection : U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2900.00} U S DEPT OF EDXXXX XXXX Balance : {$5000.00} New Inquiry : XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Credit Plus 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:
IM FILING COMPLAINT AGAINST THESE COMPANIES FOR REPORTING UNAUTOHRIZED INQUIRIES TO XXXX CREDIT BUREAU : 1. 3. CREDIT PLUS XX/XX/2021 XXXX XXXX XXXXXXXX XXXX 2. XXXX  XXXX XX/XX/2021 XXXX & XXXX XXXX 3. XXXX XXXX XXXX XXXXXXXX XX/XX/2021 AUTOMOTIVE XXXX 4. XXXX XXXX FINANCE, PERSONAL XXXX I'VE CONTACTED THESE COMPANIES AND REQUESTED THEY INVESTIGATE BECAUSE THEY HAVE REPORT INACCURATE INFORMATION TO THE CREDIT BUREA AND THAT I HAVE NO KNOWLEDGE OF THESE COMPANIES AND REQUESTED THEY PROVIDE ME WITH PROOF OF CONSENTING TO HAVE CREDIT PULLED. THEY HAVE IGNORED MY EMAILS AND WRITTEN REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After being a member of Paypal for around 15 years, I received a notice from the company that they have frozen my account since they could not verify my identity. I provided the identify verification documents to the company and they have since not responded. On XX/XX/2020 I received a notice that my account has been restricted and my funds will not be made available for 180 days. My current balance is {$3300.00}. My Paypal email is XXXX I have talked with Paypal customer support and was notified that I violate their Terms and therefore my funds will be frozen for 180 days. I asked which term I violated and was told that they could not share that with me. This is absolutely arbitrary and capricious and doesn't make sense. They have not legal authority to freeze my funds. They do not have a judgment order or any other legal avenues through which they could legitimately freeze my funds for 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This same problem happened last XX/XX/XXXX almost on the exact same day. This must be a yearly thing for Experian. XX/XX/XXXX, Experian lowered my FICO score 25 points from XXXX down to XXXX only because I have NO BALANCES on my charge card statements. I have copies of charge card statements of this. IS this due to banks PAY OFF Experian to find any reason to lower my FICO score so banks and finance companies can profit more money off of innocent hard working americans like myself??? It is Experian`s idea to pay in full all balances of my credits cards to obtain a great FICO score. So when I do as Experian says to do, I get penalized for paying off my credit cards. Seems like I have trouble with Experian every XX/XX/XXXX of each year. WHY is 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 2018-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Single mother w no help. Fell behind on payments. Called multiple times to get hardship or to settle account. Constantly told i do not meet criteria even though i have no employment

Company response to consumer: Closed with non-monetary relief