BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
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:
Experian sold my information and now debt collectors calling to collect a debt the original creditor charged off and received a tax break : FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY payment never late : XXXX XXXX XXXX - Closed 1 late payment

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 2015-10-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My husband and I and also our roommate got charged falsely for apartment charges. It then went to collection. This particular Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX was falsely charging multiple renters and now is under new management. I have a letter stating we do not owe anything. Please remove from all XXXX bureaus for all XXXX of us. 


Also, I have a second thing. I have something from a collection agency for XXXX XXXX who is trying to get paid twice. XXXX XXXX has been paid by themselves. Therefore, I do not owe them and that collection agency is still harassing me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
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: Was not notified of investigation status or results

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 XXXX  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 2019-05-22
Company: ERC
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:
XXXX XXXX XXXX debt amount is XXXX account # XXXX opened on XX/XX/XXXX and Enhanced Recovery amount XXXX the account number # XXXX this was opened in XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
My Citi card was charged {$1.00} in mid XX/XX/2021 and it was determined as fraud. Citi then sent me new card with a new account number that I received at the end of XX/XX/2021 which I activated and have used. Today XX/XX/2021, I received another new card with the old account number on it with a new expiration date. It was sent to my former address, but forwarded to my current address. I called the ( XXXX ) XXXX and explained to the CSR what happened and she told me to cut up the new card with the old number, but could not explain why I was sent the card. I find this behaviour very suspicious and would like an answer from Citi. It is also of note that as soon as fraud was detected on my card, they changed my limit from {$1500.00} to {$440.00} ( which at the time was just pennies over my balance ). The letter that came with the new card with the old number states that my limit is {$1500.00}. When I asked the CSR about this she tried to do a credit limit increase and then stated that she was sorry that she could not perform one at this time because the limit had been decreased within the last six months.

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 2016-02-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Creditor reported deragatory history on a debt that was discharged in CHXXXX bankruptcy 6 months after debt was discharged. CRA 's will not remove negative history they only updated it to show Bk. Any debt collection AFTER CHXXXX Bankruptcy and or negative collection comments must be removed. These actions are in direct Violation of the Automatic Stay per US Bankruptcy code.

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 2021-09-30
Company: Consumer Financial Services Solutions, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I began a debt settlement program with Beyond Finance in which they say will be for 45-55 % of the original debt. This is definitely untrue with mine being for 5 % -45 %. Then I was served with papers in which when I talked to an associate they said itd be handled. They then just gave me an answer. When I first started the program, they said Id have legal representation. My legal representation was just an answer in which I submitted and they said I could go or not go. They didnt provide any of the legal direction they initially promised. Following that, I received multiple phone calls and emails about their accelerated graduation program. They then made me feel pressured into doing it due to the papers I was served by saying it was the best option given the legal proceedings filed. Then they connected me with their sister company, XXXX XXXX. Their associate assured me it was the best option however their interest rate of 26.99 % is outrageous and its crazy that a company trying to help you to a better financial future would even consider XXXX XXXX a viable option when the interest is as high as the credit cards youre attempting to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: KEYCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been involved in an online scam, I paid a total of {$1100.00} to purchase a puppy through a website selling XXXX. I have contacted the person/company to no avail. I contacted my bank to inform them of the fraud/scam in hopes to stop & retrieve my money back. Since I used XXXX, I was told that it was too late since it was already processed & to file a small claim. The problem is I am in one state & the purchase was made in another state. I researched the address & company further & it seems to be non-existent other than the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : Balance {$1400.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national 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 2021-09-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I noticed a few inquiries and an account I do not recognize on my 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 non-monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: MS
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 XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX Venture Visa 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Unit A XXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2021-06-21
Company: WELLS FARGO & COMPANY
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Since my previous case filed with CFPB ( XXXX ) XXXX was in the process of verifying the authenticity of the police report. 

At this time XXXX has spent over a month with this process and just recently has stated to me clearly on the phone their fraud department does not challenge the reports authenticity, officers identify or the details in the report. 

They now state that my XXXX XXXX may have been compromised and for me to spend the time to research this a possible reason for the 'fraud '. I stated clearly I don't have an XXXX phone or XXXX XXXX, because my phone is on an Android platform that only interfaces with XXXX XXXX. 

Previously XXXX indicated all purchases were via a chip card and not a service like XXXX XXXX. 

This claim isn't being covered under their advertise " Zero Liability Protection ''. I've never give authority for any person to use my card or phone to buy anything, so this should be a very simple case, however more and more excuses are being used to make this issue go away.

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 2021-09-30
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I ended my lease in XXXX and purchased the vehicle from GM through XXXX XXXX XXXX. I was mailed a refund on XX/XX/XXXX, in the amount {$1.00}, XXXX and few weeks later another check in the same amount was mailed to me. I cashed those checks at my bank and later found out that a stop payment had been placed on them. This caused my accounts to be debited {$35.00}, and GM has refused to return my fees. I have submitted a letter from the Credit Union with the check attached, an explanation of the fees debited and they refused because I will not provide my account number to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citi bank didnt paid {$700.00} bonus and {$24.00} two returned check fees to me. Please help us resolve it. Thank you!

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 2017-03-15
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Since going to college ( XXXX ) I have been allowed to use Forbearance and Deferments, because I could not afford to pay my Student Loan payments. Not until the past six months has anyone even mentioned a limit to the number of Forbearances and Deferments I was allowed. Now all of a sudden I am told that I must begin making payments of {$2500.00} per month. I can not afford this. 
Since XXXX of XXXX, due to not allowing continuation of my deferments/forbearances, I have been attempting to get into an income based repayment plan. I mailed my application and information.. they never received it. I faxed my application and information.. they never received it. Finally I uploaded and emailed my application and information and called to confirm the receipt of the information ; received. I wait a full month. No response or feedback. I call Navient. Now they are saying that I have a Parent Plus Loan from XXXX - XXXX and therefore I do not qualify for any type of Income Based plan. My son was between XXXX and XXXX years old during that period. 
My wife 's income driven plan requires {$5.00} per month payment. However, my payment based on the same information is XXXX {$2500.00} per month. 
I have been told by Navient, up until today, that I could get payments based on my income. Now, today I am told, regardless of whether or not I can afford it, I have to make payments of approximately {$2500.00} per month. I am the sole source of income for my family ; and a railroader for goodness sake. 
There is no rhyme or reason to what I have been subjected to by Navient. My loans totaled about {$40000.00} in the beginning. Through deferment and forbearance they have grown to approximately {$300000.00}. I am sure there could have been a better solution to this from day one. If I had gone into forfeiture in the beginning I would have been better off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove  these unknown items from my credit 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 non-monetary relief
Consumer complaint received 2016-11-08
Company: Credit Karma, LLC
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX addresses appear on my credit reports that I have never lived at. I have been a victim of identity fraud/theft before, and I want to make sure that my information is accurate. I do n't want to become a victim of identity fraud/theft again.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXXXXXX XXXX XXXX  account # XXXX 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 2020-04-07
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 status incorrect

Complaint:
There is derogatory information on my Credit Reports that needs to be removed. XXXX placed a {$78.00} amount owed in my credit reports. The Collection Agency hired by XXXX is XXXX XXXX XXXX. I pay all my bills on time and have no debts. 
I paid my final bill to XXXX account number : XXXX on XX/XX/2019 and advised XXXX that there were erroneous charges on my final bill which I do not owe XXXX. I contacted XXXX on XX/XX/2019 to pay my final bill and to advise them of the mistakes on my bill. These are the mistakes on the bill which I corrected in my letter to XXXX. 

I advised them that my XXXX XXXX lease ended on XX/XX/2019. XXXX charged me a Lease Cancel Charge for XXXX XXXX XXXX XXXX in the amount of {$29.00}. Why would XXXX charge me a cancellation charge for a lease that previously ended or expired? I deducted the {$29.00} charge from the bill. 

I returned the three XXXX  XXXX phones to XXXX, in their unopened boxes on XX/XX/2019. XXXX charged me a Total Lease amount due of {$6.00} for each of these telephone numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I deducted the {$6.00} charge for each of the three of them for a total amount of {$19.00} from the bill. 

XXXX over charged me {$29.00} for the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX Own it in 1 payment price was {$170.00} and not {$200.00}. I deducted the {$29.00} charge from the bill. 

The total amount that XXXX has overcharged me was {$78.00}. I enclosed my check number XXXX in the amount of {$610.00} which was my final payment to XXXX. I do not owe XXXX any further charges. XXXX then to sent the {$78.00} charges to XXXX XXXX XXXX and neglected to remove the erroneous charges from my bill and put derogatory information in my credit reports. XXXX should remove this derogatory information. Please resolve this on my behalf.

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 2017-03-07
Company: ORG GC GP Buyer, LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told that monthly bill would be much lower than XXXX a month

Company response to consumer: Closed with explanation