BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to issues of fraud alerts I recieved I placed a credit freeze at all three credit companies. Since that time I have to lift and replace the freeze but when doing this with Transunion their website for handling this is not functioning and I have had to do so via the telephone. This is a long and difficult process due to wait times in answering the phone. It has not been weeks and there seems to be no progress or information available as to when they plan to fix their website.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
EXPERIAN has violated Federal laws concerning the use of private information. Experian is obligated by the FCRA to report accurate accounting, consumer has been attempting to resolve an issue by requesting XXXX to provide documentation used to determine that all disputed negative accounts were verified, consumer is not asking for an e-oscar report. If Experian isn't able to provide said items, negative accounts must be removed immediately. Said Company is liable under the SEC to follow certain rules. 


Consumer has attempted to resolve this matter for over a year, I will be filing form 211 treasury omb forms to audit consumer account. 
XXXX is securitizing consumer 's data yet refusing to provide a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

EXPERIAN you have 3 days to remove negative unverified information EXPERIAN Commission File Number : XXXX I.R.S. Employer Identification Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting 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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 The following hard inquiries are unauthorized. XXXX already recgnized these accounts as frivolous and removed them from my report. I need Transunion to follow suit and remove them from my consumer report. 

FCRA section 604 ( provides that XXXX  person shall not use or obtain a consumer report for any purpose unless '' the consumer report " is obtained for a purpose for which the consumer report is authorized to be furnished under ( FCRA section 604 ] '' and " the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. *12 FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.

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 2023-09-10
Company: UMB FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
To whom it may concern, In XXXX, I opened a UMB credit card ( the card number ending XXXX ) that offered 0 % APR on purchases till XXXX. 

Unlike my other 0 % APR credit card, the exact 0 % ARP expiration date is not listed on credit card statements or anywhere in my online account, I web messaged the customer support inquiring about this information and got a response that my 0 % ARP will expire on XX/XX/XXXX ( screenshot available ). However, I got an interest charge on XX/XX/XXXX though I paid the minimum balance for the corresponding billing cycle. 

Since XX/XX/XXXX, Ive made repeated attempts to contact customer support via web messages and phone calls for the following. But as of today, XXXX, I havent gotten any response or resolution to these requests/inquiries : 1. Interest charge reversal since the 0 % APR expiration date I was provided with is a much later date 2. clarifications regarding the reason for the interest charge, given I was informed of a later 0 % APR expiration date 3. the correct 0 % APR expiration date if the previously given date is incorrect Truly appreciate your time and consideration in addressing this matter! 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Edfinancial is stating I still owe from my student loans which have been paid off completely in XXXX. Currently, they are stating I owe exactly {$16000.00} and accruing 4.3 % interest daily. I have receipts of making payments to Edfinancial and XXXX XXXX XXXX XXXX. The receipts will state my account number, payment amount, effective payment, and payment confirmation number. My XXXX loan was transferred over to Edfinancial with a little of {$6000.00} still owed. My receipts are from XXXX and XXXX which I would be happy to provide. I have reached out to Edfinancial and sent over all my receipts. After uploading my receipts it provided me an automated message that in 10 business days I should receive a response. As of this morning being passed the 10 days they can not provide me a estimate date when I can receive any type of update on my loan due to " another department '' being involved such as it being transferred over to their finance department. I uploaded my receipts per the representatives request on XX/XX/XXXX. As you can see it has been almost a month since I uploaded my receipts since today is XXXXXXXX XXXX. I've emailed XXXX and they have no record of my payments nor being a account holder. After providing my account ID to XXXX they are still saying I was not a client. Moving forward to Edfinancial at the beginning of logging into my account it also stated that I was not a member and had to make a new account. The representative I spoke with the last week of XX/XX/XXXX said the system had a update in their system that was about XXXX weeks ago and nothing transferred over. I questioned her and said how were you able to see that I had another loan company which she froze with answering my question. Furthermore, I'd be happy to provide any additional details or proof of payments if needed. Thank you for your time!

Company response to consumer: Untimely response
Consumer complaint received 2023-09-10
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi I had an account with wells Fargo 4 accounts which some were closed due to overdraft fees that never were returned also an account that was open with out my consit bfor XXXX XXXX credit which resulted in all credit to show in and against my credit I have reported to them that these account were closed and there was amounts that were fraud but they gave me the run around I been calling them about it since 2017 p

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 2023-11-02
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company MBA Law reported XXXX a charge off account open XXXX balance of {$7800.00} on my credit report to all three credit reporting agencies. It doesn't list what type of account this.I have never did any business with this company. I don't owe them anything. They have never contacted me for any about this account. I want it removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: SC
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I HAVE CONTACTED THIS COMPANY MULTIPLE TIMES TO RESOLVE THIS DEBT. THIS DEBT SHOULD BE PAID OFF IN FULL!!! WHY IS IT STILL ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
AMERICAN EXPRESS closed my account without my consent. Im aware that an account is never closed. They also have a charge off on my consumer report as if I was obligated to pay something. The contract simply shows that the balance is owed to me! They are continuously using false and deceptive practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: PENTAGON FEDERAL CREDIT UNION
State: AR
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:
wanting to be charged for credit card billing statement.

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 2023-06-29
Company: Experian Information Solutions Inc.
State: MI
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 received my consumers report and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX, account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late. 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 2023-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear AMERICAN EXPRESS ; XXXX ; XXXX ; XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the XXXX major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I'm quite not what's going on, but I can tell you that this account doesn't belong to me, and also it continues to report incomplete, and multiple inaccuracies on my credit report. It's my understanding that once an account is in charge-off status, it can not continue to report any more payment activity as XXXX days late or a C/O. For example, the dates of XXXX delinquency, dates of last active, etc are all incorrect, and with multiple inaccuracies. Still continue to report multiple inaccuracies and incomplete, unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

" CFPB Released a recent report detailing deficiencies of the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to XXXX calendar days to respond. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX credit card servicing has violated the Consumer Legal Remedies Act, the False Advertising Law, Business & Professions Code 17500, and the Unfair Competition Law, Business & Professions Code 17200. Payment was made XXXX XXXX but failed to report account as paid but instead marked me late. Additionally, I have the right to privacy according to 15 U.S.C 1681 section 602 A. Moreover, 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. Also, 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have tried to dispute this account with XXXX over 20 times and they have yet to change the late mark for XX/XX/XXXX on my credit reporting. Remove any late or negative remarks for account. As you can see by the impeccable payment history there is in deed a mistake made by credit servicing team and failed to provide accurate reporting data after 20 times trying to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to 15 U.S. Code 1681c2, " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

On XX/XX/XXXX, I identified the following accounts as a result of identity theft, and these accounts remain on my credit file. You are in direct violation of the FCRA. This is my 2nd demand for removal. If not corrected, the next step will be legal action. 

Remove and block the following accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CAPITAL ONE -- has been closed ( Sparks business card for weeks and still showing XXXX balance. It was paid off and closed. 
Please confirm its paid 0 balance and closed. 


Credit usage 42 % Balance {$1000.00} Balance updated XX/XX/XXXX Credit limit {$2400.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Business Card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Company: Premier Auto Credit
State: CA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX XXXX account number XXXX Account name : XXXX XXXX XXXX XXXX XXXX of a 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I recently got a copy of my consumer file and noticed that there was personal information that belongs to someone else on there. According to the FCRA you must be reporting 100 % correct information at all times and that is not what my credit file reflects at this time. You have 30 days to remove the personal information listed in this letter. I am also requesting you to provide me with the furnisher of this information or where you got this information. Please PERMANENTLY REMOVE the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX The ONLY correct address is listed above. 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved

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