BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-28
Company: Chime Financial Inc
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have had my identity stolen. This started on XX/XX/2022 and have closed all the accounts except a chime account that was opened fraudulently. The only way to contact chime is through a customer service email address.On XX/XX/XXXX I sent a email to the fraud email they have on their website and have not received any response. I will not be held reliable for any losses. I have XXXX and they can not even help to close it. Chime is a not a legitimate business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I had XXXX different results from the XXXX credit bureau agencies ( XXXX, XXXX, and TransUnion ). It was in regards to a dispute filed in XX/XX/XXXX. I sent all XXXX agencies the same exact same information. The dispute was in regards to a 30 day late payment in XX/XX/XXXX ( the only XXXX in the entire history of my credit report ). 
XXXX resolved the issue, it was corrected and updated on my new credit report which they sent to me. 
XXXX results was " historical account information was deleted from this account. '' I am not quite sure what that means since I did not receive a new credit report. 
TransUnion results state " new information below '' but nothing was changed at all. 
I would like XXXX and TransUnion to correct and update the information in the exact same way that XXXX did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Credit card
Issue: APR or interest rate

Complaint:
Bank of America applies credit card payments to the lowest APR first even though there was a law passed in 2009 requiring payments be applied to the highest APR 's first

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 2016-10-02
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX XXXX, XXXX XXXX, GA XXXX XXXX : Claim Dispute - NAVIENT - Account # XXXX To Whom It May Concern : Please accept this letter as formal dispute regarding falsely submitted " derogatory '' entries on my credit report. 

History - This consolidated student loan was comprised of XXXX student loans taken out by my son, and cosigned by me. They were : XXXX XXXX, XXXX in the amount of {$4000.00} XXXX XXXX, XXXX in the amount of {$2000.00} I made regular and timely payments on the loans for the benefit of my son. The loans were paid in full on XXXX XXXX, XXXX. 

In XXXX XXXX I was notified by Navient that there was a remaining balance of {$750.00} on these loans. I disputed this claim, knowing that the loans were paid in full in XXXX. 

For over three months we argued over this matter. I based my argument on the facts that : 1. I knew we had paid these loans off in XXXX 2. Navient had made national news about their mismanagement of student loans, including false claims of outstanding balances. 
3. Navient correspondence came in the form of apparently photo-copied statements. This indicated to me that these were possibly " scams '' based on national media reports about Navient. 

Once the derogatory entries were made on my credit report I immediately paid the claimed balance, which had grown to {$820.00} during the dispute period. I continue to contend that I did not owe this amount, but I made the payment to end the issue and hopefully avoid derogatory entries on my credit report. Apparently I was unsuccessful in the latter. 

I hereby request that these, and all related derogatory entries on my credit report be removed, and that they be replaced with a statement of correction. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Cc : Consumer Financial Protection Bureau Via CFPB Website

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Out of the addresses listed on my credit report, XXXX of them is erroneous, and presents an unfortunate street name that not only does not exist, but that seems to be the result of an incorrect recording of an address by someone other than me. The address in question appears slanderous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My car was paid off in XX/XX/XXXX from TD Auto Finance. I have yet to receive a title. I called back on XX/XX/XXXX and told them we never received it so they stated they would file for a lost title and resend. XX/XX/XXXX I still do not have. I call TD back and they said it takes 7-10 business days and the title has not yet been released. ( That was day 11 ) The supervisor at TD, name XXXX, said she would have released today. I called the XXXX XX/XX/XXXX and they still do not show it released and said there is nothing they can do until TD releases it. So, I called TD back and spoke with another supervisor, named XXXX XXXX. She told me she sees where the supervisor yesterday put in the request, but I need to give it ANOTHER 3-5 business days??? The loan was paid off 3 months ago! 
We are purchasing a home and we have to have this off our credit by XX/XX/XXXX. I don't know what else to do since we keep getting the run around from TD Auto.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion is currently reporting XXXX closed XXXX loans with a current status XXXX 120 days past due date XXXX when the accounts were PAID/CLOSED in XXXX 2014. 

also these accounts were never late they were always in the deferred status with no payment due but they are reporting them as 120 days past due XXXX # XXXX {$17000.00} XXXX # XXXX {$19000.00}

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 explanation
Consumer complaint received 2016-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have requested my credit report from all XXXX agencies. The first time, I tried to do it online and I experienced computer errors, the 2nd time, I called in and followed the pronts. I only got XXXX of the XXXX and when I asked Transunion again, they said they alreadyeady sent me a report. I do not have a report from Transunion and I advised them of that and they still have not sent me my free annual credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Commenity Bank, sent notice that they were changing terms and interest rate. You had to either accept terms of service or close the account. My account is in good standing. NO late payments. I accepted terms because I can not pay the balance off in full. The country is in a financial crisis amidst a pandemic at this time. I'm fortunate enough to still be working at this time, but money is TIGHT! This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have previously disputed this credit card account from XXXX with both Transunion and XXXX. I have disputed the account several times and each time receive a different response from Transunion. The updates/responses I have received are- no payment information provided on my report or incorrect payment information reported on my account. I have also written to XXXX asking them to provide me with the payment history on the account and to verify the accuracy. I continue to get the same form letter from them which is attached as a file below. 
This account was charged off in XX/XX/2009, it has been charged off for more than seven years and should be deleted from my Transunion credit report. I have experienced re-aging on this account multiple times. And seen from the screenshot below there is no payment information attached to the account right now just a last payment date which is not accurate. 
Please delete the XXXX credit card account from my Transunion report.

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 2016-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a chapter XXXX Bankruptcy on my credit bureau that does not belong to me. I have disputed the incorrect information several times and each time the credit bureau responds that it is verified. How can they verify something that is not correct? Apparently the law does not state how they are allowed to verify a bankruptcy and because the court does not verify they can use any 3rd party service they want to so called verify it. This is according to the credit bureau themselves, so not that they care its wrong as long as they verify it from some hack third party verification service that has it wrong. This misinformation has haunted my credit bureau for almost 7 years and I cant believe that a credit bureau has this much power and makes it so hard to get incorrect information off a report. The law needs to change and bureaus held accountable.

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 2022-03-28
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
this is for loan # XXXX with Freedom mortgage. have not updated it in nearly 5 years, since my XXXX due to having lost nearly all ability to type. have had many experiences since then, too numerous to list. my name is XXXX XXXX and i can be reachedXXXX XXXXXXXX

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 2022-03-28
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'VE REACHED OUT TO THIS COMPANY ABOUT THESE ACCOUNTS REPORTING ON MY FILE. ADVISED THEM THAT IT DIDN'T BELONG TO ME AND i CONTINUE TO DISPUTE AS THIS HAS DISRUPTED MY LIFE. NOW I WILL TAKE DIFFERENT APPROACH WITH THIS AND NOW THESE COMPANIES ACCORDING TO THE FCRA FDCPA THEY ARE IN VIOLATION FOR INACCURATE REPORTING ... .PLEASE SEE ATTACHED PRINT OUT OF MY CREDIT REPORT AND THE VIOLATIONS THAT ARE CIRCLED. THIS IS CONSIDERED AGGRAVATED 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 non-monetary relief
Consumer complaint received 2022-10-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.

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 2016-10-19
Company: PlusFour, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have contacted this company on several occasions to send me validation of the debt for a medical bill, and they have failed to do so of any signature. I have also contacted them to let them know that I never signed any paperwork releasing my medical records. Which is a HIPAA violation. They refused to work with me so I than contacted XXXX to get this debt removed, and sent a certified letter letting XXXX know that this a HIPAA violation because I never signed any paperwork releasing any of my medical information.

Company response to consumer: Closed
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: FISERV INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Dear Sir or Madam : On XX/XX/2022 I presented check # XXXX from my account at XXXX XXXX for {$45.00} to XXXX at XXXX XXXX XXXX, XXXX LA XXXX. The check was declined by TeleCheck with denial record # XXXX. I received a receipt that provided a phone number to call to have TeleCheck advise me of why the check was declined. 

I spoke with a customer service representative at TeleCheck. I provided her with the denial record number, my name, my address, my phone number, the banks routing number, my account number and my check number. I had difficulty understanding what she was saying and ascertained that the call center was not located in the United States. She advised me that the check was rejected because I didnt have any history in TeleCheck and she added my information and the next time I would write a check to a merchant who uses TeleCheck my check would be accepted.

I told her I didnt want to be in the TeleCheck data base as I dont know who they partner with and would need a Privacy Policy from TeleCheck as they now have personal non-public information ( bank name, routing number and account number ). I subsequently learned that TeleCheck is a Data Broker, as defined by the FTC, and sells sensitive customer information to third parties. She informed me that I volunteered that information and it was in the system. She refused to send me a Privacy Policy. I told her that I provided the information under duress as she said it was required to find out why the check was declined. This was a lie as the denial code would have been sufficient to provide that information. I believe that it was a premise to get information that I ordinarily do not provide without a Privacy Policy. 

I then asked to speak with a supervisor and was connected to XXXX. XXXX stated that she couldnt give me a Privacy Policy at which time I asked that she delete me from the data base. I asked her to provide me with a written letter explaining the check denial ( would take 30 days ) and also a copy of TeleCheck history ( would take 15 days ). 

XXXX provided me with an address to write to with my complaint. It is listed above.

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 2017-03-04
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
I had an account with XXXX XXXX when i was going through a bad divorce, i fell behind and the account was charged off and sent to collections. i am now trying to settle this account with the law firm handling the collection and they are n't giving me any information, XXXX has my balance at XXXX and this law firm is trying to charge me XXXX they wont give me a break down of the charges that got them to that number and they stated that they are charging me interest on this. i would like any help you could give, the law firm handling this matter is Weltman , Weinberg & Reis XXXX ex XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I have purchased an official bank check from Citibank on XX/XX/21. The check was stolen and someone forged their bank check. The bank check was payable to XXXX in the amount of {$41000.00}. Someone forged the check and changed the payable name to an individual name. It takes Citibank 90 days to investigate this claim. I have received a response from Citibank by the end of last month. The recovery amount is {$31000.00}. This is not acceptable. Someone forged the check, not me. It's loss Citibank are supposed to absorb. Citibank are responsible for making sure consumers are protected. The fraud was committed against them. They should have had a system to ensure their bank checks are paid to only the payees.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dont recognize reorts

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