BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Transunion reported 16 different accounts and one inquiry on my consumer report without my consent and have shared my consumer report with different corporations without my consent, which is identity theft.

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 2021-05-12
Company: Waypoint Resource Group, LLC
State: UT
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:
Waypoint Resource Group is reporting an old account on my credit file that I would like removed. I have settled the debt with them and ask that this account is removed from my credit file. Under the FDCPA, I have the right to dispute this account. I am aware that your company has the ability to remove any account since you are the original furnisher. I have settled the debt with you and am now asking you to provide a letter to the bureaus stating this account should be removed from my credit file. If I do not receive your postmarked response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to institution of legal proceedings against you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent Enhanced Recovery Company a debt validation letter on XX/XX/21. They didn't send enough info to verify that I owe the debt. I ask them to fill out a form and that your claim can not and will not be considered if any portion of this one is not completed and returned with copies of all requested documents. This is a request for validation pursuant to the Fair Debt Collection Practice Act. They fail to compete my form and to provide me with enough info to validate the debt. I asked for the original contract I signed. they didn't provide it.I also ask for them to verify the debt for three accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 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 2017-06-12
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received a call at XXXX on my way to work on a past due XXXX credit card that was issued through Comenity Bank and of course that upset as I was driving to work. so in haste I told them that the XXXX account was included in a chapter XXXX bankruptcy. so they noted that on the account. I went to use my XXXX account also issued through Comenity Bank and was told that the account ca n't be used because I was in a bankruptcy and once they hear the word bankruptcy they no longer allow charges. I was informed by my attorney as long as I kept making payments on the cards I used be able to use them and they are telling me something different. Comenity statement that once they hear the word bankruptcy they cut off access to using the accounts is not accurate as all my comenity accounts were opened when I was in a chapter XXXX. This includes XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 's and XXXX XXXX. I would like access to use these accounts or if they are not going to allow them stop sending statements and write it off as bad debt. they are quick to cut off access to borrower from using card but still send statements and still hit borrowers with late fees. you ca n't have both the borrower paying the card ( whether it 's late or not ) and late fees but not give them any advantage to paying them off. I owe this company a total of less than {$400.00} and have paid on the cards even after the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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: Personal information incorrect

Complaint:
Hello, my name is XXXX XXXX and upon review my consumer report I noticed personal information such as addresses reporting inaccurate- the following addressing listed below do not belong to be and I have never lived at. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX

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 2019-12-02
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On or around XX/XX/XXXX, I decided to try and repair my credit/remove any inaccuracies that may have appeared.I found several accounts/addresses that were inaccurate, Experian, XXXX  had ( s ) fraud alerts that were most certainly not authorized.I sent dispute letters to Experian, XXXX, XXXX  and account holders via certified mail. days later, I sent a second round of letters disputing incorrect information XX/XX/XXXX just to get a response that all my accounts have been 'Validated/Verified '' .I have a XXXX XXXX closed derogatory on XXXX   ( {$260.00} ) and a collection for that same derog on XXXX., In my dispute letters, I mentioned I wanted to know their verification/validation method, never got a response from any of the three bureaus in that regard.I have a closed derogatory XXXX  XXXX XXXX  card from XXXX for the princely sum of {$260.00} along with XXXX charge-offs that has been " Validated '' and reporting on all three CB..I contacted the original creditors and what I got in return was evidence that they have no valid evidence I ever owed this debt, nor any valid reason this is still on my credit 8yrs,2mo later.I have a medical collection for XXXX on my credit from a agency that violated my HIPPA rights ( using stolen medical information to collect ) ..Just like a lot of people, I got scammed into signing up for student loans with the promises of job placement, better life ect.Every time I dispute these items, My balances raise or lower by the exact same amount ( 11-27 $ ) .If these numbers are legitimate, how is that possible? Interest alone dictates this to be impossible.I apparently have a student loan for XXXX $ with XXXX late payments..How is this nonsensical jibberish allowed to be posted to my consumer credit accounts? They ask the people that claim you owe them money if you owe, they of course say yes and that's the end of it? No original instuments of indebtness, No HIPPA realeases, FCRA violations 15 ways from sunday.

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 2017-06-15
Company: CITIBANK, N.A.
State: IN
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:
( This happened to me a couple of years ago w ith Citibank Best Buy Visa w hen I lived in  XXXX  and I wound up paying more than I should have to neutralize the matter. ) I have a high balance on this card. It is a  Visa card requiring an annual fee. There is never any notification the month before that the fee is due. Now, around  6 months ago, I decided to stop using this card and simply make payments on it  ( 1 ) because of the high balance and ( 2 ) beca use my routine {$40.00} payments are reduced to 50 % toward the balance anyway. So, for the past 6 months or so, I have not made any purchases and my {$40.00} payments have been consistent. That would mean I have paid approximately {$240.00} and about {$120.00} of that balance should have been available. So, why am I being currently billed 'as of   XX/XX/XXXX ' on an account with a {$1300.00} credit limit {$1400.00}, and why is my minimum payment not {$40.00} but {$190.00} which is due XX/XX/XXXX ?   <P/> I would appreciate CFPB auditing my account to figure this  one out. As I mentioned in opening, this has happened to me before with this credit cardholder service. I have attempted to call Citibank Visa to discuss this on a phone that had very little energy but I had to. But, before I lost the call, the CSR  could not find any thing that suggested I was in arrears except my annual fee. If that is the case, the annual fee balance owing had to be no more than {$10.00}! Quite actually, I should have had enough money available to pay the annual fee. To my knowledge, the annual fee is {$75.00} ; if it has increased, I certainly have not been advised.  <P/> I question " late charges '' on the annual fee. It is " imposed '' and I did not purchase it. Regardless, late charges do n't have to be " {$25.00} late charges ''. Credit card issuers have the option to charge a late fee as minimal as {$1.00}, {$5.00}, {$10.00} and so on. Best Buy  Citibank Visa has consistently charged me {$25.00} late fees. Why? I am not a bad customer of more than 8 years. Furth er, I would like the option to change over to a card that does not require an " annual fee '' with an 8 year credit history.  <P/> In any event, I just moved from  XXXX   XXXX  to  XXXX ,  XXXX . I live in a low-income senior property, and am not in a position to pa y Best Buy Citibank Visa {$190.0 0}. ( While I do not know the rationale, I do believe my finance charges are increased markedly some months and it is a glitch that is ignored. )

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 2017-06-15
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As I stated in my previous complaint, I have no business with this company. I owe and pay  XXXX  monthly and will continue to do so until this debt is paid. I will not  pay Transworld Systems INC. an ything neither will I pay  XXXX  anything more than I owe in my contract with them. The information sent to me via this site is only information this company obtained from  XXXX  not validation I owe this company anything. There is no signed contract between this company and I so I ask that they not contact me any further if they do I 'd like them charged for harrasment of a creditor for a debt that 's being paid. I will provide the m one  more time this information of my business with  XXXX  and they need to leave me alone. It is not legal to harass consumers for paid debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: TX
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 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 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 2022-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
i took out a XXXX  Diaster loan during the pandamic and the bank said that they were advised that there was an issue with fraud when the funds were given. 

I was advised by Captial one that they were closing the account that the money was transfered into and that they were closing the account and sending the money back the the XXXX  but i have spoken with them and as of today the funds have not been received by them and i do not know where the money is i do not want the money back i just want to get the money to the approitate people because i am responsible for paying back this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Mobiloans, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
getting calls from a company called XXXX about a debt I do not owe. my id was stolen and a police report was filed with XXXX county XXXX pd. ive tried to expain the situation to this company and have failed. they have now started calling from a XXXX number with different area codes to harass and threaten me. they say they are not governed by us laws and call 6 to 12 times a day.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-11
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE : Jefferson Capital Systems Acnt # XXXX Jefferson Capital is currently attempting to collect a disputed {$1100.00} debt it says it purchased from XXXX. As part of its attempt to collect this amount from me, it is reporting it to several consumer credit reporting agencies, including XXXX The amount they are attempting to collect on on is inaccurate, as I made a final payment to XXXX prior to the account supposedly going into collections. I had also disputed a portion of the bill with XXXX itself several years ago. I had service with XXXX for less than a month, and discontinued it because there was virtually no coverage in my house and the service was about useless to me. I was supposed to receive a " courtesy credit '' from XXXX due to this. 

I have disputed this debt to Jefferson Capital multiple times ( XXXX/XXXX/17 and XXXX/XXXX/17 ), in writing, to the address showing for them on my credit report, stating that the the information they are reporting is not accurate. Jefferson Capital does not appear to be taking any steps to investigate the disputes and has never even bothered to respond. I understand they are relying in part on information from their client, and they are in the business of debt collection and doing their job, but they do have an obligation to investigate and correct inaccurate credit information. 

I simply wish for Jefferson Capital to discontinue collection, and request whatever information it reported to whichever credit bureaus it reported it to, to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my credit report, XXXX XXXX XXXX Bank is showing a credit card account late 270 days in a 3-month span. How is that possible when there are only 90-days in 3 months? 
It is ridiculous and hurting my credit score. 

Also, it's a violation of my rights for XXXX, Transunion, and XXXX to report late payments to my credit report without first contacting me, and second getting my permission to do so.

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 2020-04-22
Company: Skrill USA, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I wanted to add money to a third party paycard named Skrill. They assured me that once I submitted proper documentation such as my state ID and a face identification photo that the money would transfer from my prepaid XXXX  XXXX XXXX Visa debit card to the newly made account that I made at XXXX on XX/XX/2020. The charge was made and is now pending but the actual account through Skrill does not say I have any cash on it. Please investigate the Skrill company. My account was at a balance of {$420.00} cents and now at {$360.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am my sisters Power of Attorney. The end of 2016 she took out a loan from First Virginia. Early XXXX she became XXXX XXXX  and I took over her finances. a few weeks ago I went to a First Virginia location in XXXX XXXX to pay off the loan and they referred me to IDR in Arizona. After I contacted them & was given the " run around '', First Virginia withdrew money from my sisters account, which I believe is wrong. I do n't understand why they refuse to let me pay this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been a Bank of America customer for decades. It is my main account. I was laid-off recently and am unemployed and trying to start a XXXX. Id like to be a XXXX XXXX, but I believe Bank of America repeatedly and maliciously sought to structure and time transactions in order to charge me larger and larger fee amounts. These amounted to hundreds of dollars and put my account negative, whereas without the fees I dont think I would have a negative account balance. I called customer service in an attempt for leniency, but was denied outright. I think the representatives are paid in order to deny requests. It is very disappointing that this type of company was selected as the service provider for EDD.

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 2021-10-28
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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 or around XXXX of XXXX I lost my job due to Covid 19. I started to fall short on funds so I contacted a representative from Credit Acceptances customer service department and told them about my job loss and falling hard on funds and they instructed me to jus pay as I could and they wouldnt be sending anyone out to repossess the car nor would it effect my credit profile. Months later Im caught up on all payments put have 7 late payments on my credit report. Ive contacted then several times even tried disputing through the credit bureaus and its still reporting on my credit and Im not really getting a clear response from credit acceptance as to why. Ive even recently sent goodwill letters to the company asking them to forgive me for my late payments and Im still awaiting a response. This is the only thing effecting my credit profile and holding me back from purchasing my home in XXXX. Even with this issue I still would recommend this company to others as it is a great way to build credit with an auto loan. Im hoping we can get this matter resolved promptly.

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