BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
please find attached the letter from the creditor Nissan Infiniti, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to XXXX and XXXX. 
XXXX does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
please find attached the letter from the creditor XXXX XXXX, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to XXXX and transunion. 
XXXX does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.

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 2017-09-05
Company: Bread Financial Holdings, Inc.
State: IN
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:
I was approved for a visa card with comenity on XXXX with a XXXX CL. I received my card in the mail on XXXX and on XXXX I went to use the card and it was declined. I called comenity and was told that XXXX days after my approval, my profile was reviewed again and they decided to close the account because of too many inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complaint for XXXX/TD Bank ( via XXXX XXXX ) - I purchased a mattress with a payment plan. I did not receive notice that the payment account was set-up and due until the first due date had already passed. I went online and paid the monthly payment of {$60.00} and attempted to set-up a re-occuring monthly payment in XXXX. I did not pay the late fee assessed because it was unwarranted. In XXXX I again had to go online and set-up the monthly re-occuring payment because it hadn't worked the first time and they were assessing me more late fees. Today, XX/XX/XXXX, I called them and learned that the monthly payment would not go into effect until XXXX, so I had missed the XXXX payment and they are assessing me yet another late fee. Their online system is XXXX and very difficult to use. I saw confirmation of the monthly payment set-up when I did it, but now there is no trace of it on my online account, not under transactions, or payment, or pending activity, or anything. According to customer service, I just have to trust that it is set-up now. I do not understand their system. I think it is purposely intended to allow them to assess unwarranted late fees. I tried speaking to two different representatives on the phone and the best they could do was to remove 1 of the late fees, and ONLY if I pay the rest of the payment in FULL first. What kind of fraudulent practice is that?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: BB&T CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I voluntarily returned my vehicle back to XXXX XXXX XXXX ... the reason for me returning my vehicle was because the company had approve me for a extension for 2 months which was XX/XX/XXXX until XX/XX/XXXX and was to pay back loan on XX/XX/XXXX however the extension got denied and they call me back to let me know that days later so then I ask them what will happen because now I dont have any money and that was due to in and out of the hospital so now they asked me to pay more which was {$490.00} for 3 months to keep the car I felt as if I was lead on ... I was thinking they was trying to help me but they ended up hurting me ...

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 2019-11-26
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
XXXX XXXX XXXX is reporting a balance on an account that should not be there. This was paid off when they took from my taxes in order to do so. This should not have a balance and should not be reporting a charge off to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Please REINVESTIGATE. The Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

I am uploading a copy of my Credit Report. The red boxes are marked where the failure occurs.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I disputed inaccurate information that's on my credit report my XXXX XXXX  XXXX opening date says XX/XX/XXXX on my TransUnion and XX/XX/XXXX how can my information be verified and it's reporting XXXX different information my payment history on TransUnion and XXXX is not accurate with each other and it's not all listed date last active on TransUnion is XX/XX/XXXX and XXXX it's XX/XX/XXXX violation of the fcra needs to be removed immediately My XXXX  XXXX XXXX has inaccurate information date open for TransUnion is XX/XX/XXXX date for XXXX is XX/XX/XXXX Last active for TransUnion is XX/XX/XXXX XXXX is XX/XX/XXXX there's no payment history in TransUnion how can it be verifed from XXXX XXXX showing different information needs to be deleted immediately violation of the fcra

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 2017-09-05
Company: Experian Information Solutions 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:
I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XXXX XXXX and XXXX certified mail and fax. I have included proof that I have never been late on the account. There is no way they have verified that account because it shows the loan type as child support and child support is not a loan. I have never took a loan out from the TEXAS ATTORNEY GENERAL OFFICE. That is n't even supposed to be reported because child support is XXXX XXXX which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by all three reporting agencies.

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 2022-07-15
Company: Experian Information Solutions Inc.
State: LA
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 have unauthorized inquiries on my credit reports. I do not recall giving these companies nor the credit bureaus permission to share my credit report with these companies. This is a violation of my consumer privacy and protection. this is apparently fraud and the credit bureaus have done absolutely nothing about it. ( 15 USC 1681 ( A ) ( 4 ) ) I have attached my id so do not try any of your tactics to not validate this information and further violate me! Validation will require documentation not merely your words on a paper stating it's verified.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have unauthorized inquiries on my credit reports. I do not recall giving these companies nor the credit bureaus permission to share my credit report with these companies. This is a violation of my consumer privacy and protection. this is apparently fraud and the credit bureaus have done absolutely nothing about it. ( 15 USC 1681 ( A ) ( 4 ) ) I have attached my id so do not try any of your tactics to not validate this information and further violate me! Validation will require documentation not merely your words on a paper stating it's verified.

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 2017-09-05
Company: EQUIFAX, 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:
I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX certified mail and fax. I have included proof that I have never been late on the account. There is no way they have verified that account because it shows the loan type as child support and child support is not a loan. I have never took a loan out from the TEXAS ATTORNEY GENERAL OFFICE. That is n't even supposed to be reported because child support is XXXX XXXX which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by all three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
My wife and I have a XXXX  with citi bank XXXX. I was told that there was no hard credit check on the increase of credit limit. Well the customer service person at citi was wrong. I want my wifes XXXX  and my XXXX  score to be put back in order. Citi and XXXX and the rest told me to get an attorney? what Restore my credit or give me the increase in my limit. I am tired of f ing around. XXXX has done what they can. the XXXX company could give a XXXX. Call me XXXX XXXX XXXX my XXXX dollar card has no balance due... fix it please fix my XXXX  score All of this has taken place over the last week and a half and I am done and sick of the XXXX service Creditor / VendorAccount numberStatus CBNA XXXX .... 
Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
If our reinvestigation has not resolved your dispute

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 2022-02-17
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
THIS COMPANY HAS CONTINUED TO CALL MY CELL PHONE AND WORK PHONE DURING WORK HOURS. I HAD NO INFORMATION CONCNERING THE MEDICAL BILL. I HAVE ASKED THEM MULTIPLE TIME TO STOP CALLING AND THEY REFUSE. I ASKED TO CEASE AND DESIST AND THEY REFUSE. I INFORMED THEM TO REMOVE THIS ITEM FROM MY CREDIT REPORT BECAUSE THEY ARE A XXXX PARTY AGENT COLLECTING A MEDICAL BILL WHEN I HAVE PAID THE XXXX  DIRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Williams, Rush & Associates, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I didn't not sign a contracting agreeing for my creditors to sale my debit to a third party. I never did business with company saying I ow them money. They don't have the legal right to collect on debit. They never gave me a service. I need Williams associates to show me proof I ow them money. Needs to be removed off my credit score immediately. Never received a debit validation letter. It's hurting my credit score defamation of character. Stopping me from getting a house charging me higher interest rate this is extortion fraud I don't ow them money have no legal right to collect on debit don't ow them fair collection report act no illegal proof.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: AZ
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:
After a complete and in-depth review of my credit report maintained by EQUIFAX, I found the following UNAUTHORIZED inquires. Please note that I never applied for credit with these companies : ..... 
XXXX XXXX on XX/XX/XXXX ... XXXX  on XX/XX/XXXX ... XXXX  on XX/XX/XXXX ... XXXX XXXX ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Truist placed a levy on my account because of a child support levy. This child support case is my son 's, whom I added to my account for convenience. My son disputed the levy with the child support office, and Truist confirmed that the child support office issued a release for the money to be released. After the money was released, I closed the account and transferred my money into my new account. My son is not in my new account. However, I went to the bank today, XX/XX/XXXX, and was told that the levy department went into my account and withdrew {$810.00} for child support levy. Bear in mind that this is my account and my son isn't on it. Therefore, this is an unauthorized transaction. Truist has illegally debited my account for no apparent reason. And no one can tell me why the money was taken from my account. Please stop Truist from making fraudulent transactions on customers ' accounts. Truist is getting away with all these illegal activities. The complaint ID for the aforementioned case is XXXX. The person who handled this complaint also stated an order was received from the child support office, to release the levy hold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about the inaccurate information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX Balance : {$0.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$3200.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX*Balance : {$20000.00} XXXXBalance : {$0.00} XXXX  XXXX XXXX Balance : {$9700.00} XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6800.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: NY
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've been going back and forth for the last few months with Equifax about this particular account and it's ridiculous. It needs to be removed ASAP. The Equifax has stated my account was properly investigated but how is that possible if the information on my XXXX XXXX Account # XXXX is inaccurate. The high balance is inaccurate, the date of last activity is inaccuarate, the date reported is inaccurate, the date opened is inaccurate, the last payment is inaccurate, and the credit limit is inaccurate. Literally XXXX is claiming the account was not charged off until XX/XX/XXXX, XXXX is claiming the account was charged off XX/XX/XXXX and they received the last payment XX/XX/XXXX, the big bad wolf Equifax Is claiming the last payment received was on XX/XX/XXXX. The information is all over the place. 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: GVA Holdings, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX ) stole my file from XXXX XXXX XXXX   XXXX XXXX ( XXXX ) to try and collect a debt they do not have rights to. The have used scare tactics. Told me I have a court date in 2 weeks from now and said they have contacted my employer. They have called my in-laws-phone. They are trying to collect {$580.00}. Screamed at me on the phone. 

XXXX & XXXX have a law suite against XXXX in New York. 

I was very distraught and crying because I did not know at first which company was telling the truth. The people I to at XXXX are XXXX and XXXX

Company response to consumer: Closed with explanation