BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 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 

If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Cascade CISS Holdings, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
The credit plus company has been running my credit now for 2 times XX/XX/XXXX and XX/XX/XXXX I have not authorized any transfer or that they charge my credit and they have done it twice, I called the company and they do not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called Navy Federal in XX/XX/2022 and explained to them that I was dealing with a financial hardship. The hardship is due to me paying a mortgage and rent at my apartment. My renter moved out of my condo in XX/XX/2022. In XXXX, it was very difficult for me to maintain both mortgage and apartment rent. 

Navy Federal had me on a payment plan for two years where I was paying {$180.00} a month. I brought my balance down to {$16000.00} in XXXX. However, the new monthly payment increased to {$330.00} a month in XXXX. 

I called the bank to apply to a payment plan. They sent me an email confirmation on XX/XX/XXXX approving the payment plan. However, when I called the bank at XXXX. The representative said that I wasn't approved for the payment plan. Now the bank is requiring me to pay {$330.00} a month, which I can not afford and I've expressed this to them on many occasions. The bank does not care and they continue to report my delinquency to the credit bureau bringing my credit score down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CIG FINANCIAL LLC
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : CIG FINCL XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: CITIBANK, N.A.
State: SD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I made ONE purchase at XXXX XXXX XXXX for XXXX. When I received my XXXX billing statement, XXXX transactions were billed. I first called the merchant, who advised he only had record of XXXX transaction. I immediately filed a dispute online in their dispute center. I was initially provided with a provisional credit by Citi. A few weeks later, I was rebilled this transaction, stating it was authorised. The documentation provided as evidence was for the ONE transaction I authorized. I completed their request to sign a form attesting that I only authorized one purchase. I was then provided an additional provisional credit. However, that credit was reversed without any indication as to why.

I reached out to Citi, without much resolve and was told to call. I did speak with a representative, who did confirm the merchant 's latest response was that I did in fact only make ONE purchase and the second is an error. She was not able to answer why I was rebilled and stated she would submit a request to correct. I received an electronic update, stating they were working with the merchant and his bank to resolve, yet the amount remained on my account. 
About 10 days later, a new billing statement was sent WITH the incorrect amount still on my account and a minimum payment requested. I engaged Citi again, was told it was still being worked on. 
XXXX ) Why am I in the middle of the merch, their bank and Citi? I should have been given the credit to may account. 
XXXX ) This was not resolved within the time frame allowed per Reg Z. My initial dispute was in XXXX. I received a billing statement in XXXX, XXXX and XXXX. That is greater than XXXX complete billing cycles.

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 2022-09-29
Company: EQUIFAX, INC.
State: PA
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:
I recently went to a car dealership to apply for a car loan I was told only one bank would pull my credit report how ever I recently reviewed my credit report and found multiple Hard inquiries that I don't recognize I have listed them below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: PENTAGON FEDERAL CREDIT UNION
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:
I have a loan with Penfed federal credit union, this loan was set on AUTO pay, when i realized there was a late pay reported on my credit I called them and they told me they attempted payment and it didnt go thru, no one called me no phone call, no emails, no mail letting me know my auto pay was removed. I spoke with a representative and she was able to withdrawl late payments from their records.

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 2022-09-29
Company: OPORTUN FINANCIAL CORPORATION
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I attempted to pay my bill in full, a total of {$450.00}. I made a payment. 

On XX/XX/XXXX, I logged into my account and noticed that the payment had not been posted, nor were there any pending transactions on my account. I proceeded to make another payment of {$450.00} in an attempt to pay off the balance. 

Both payments posted as of XX/XX/XXXX. My bank account was charged two payments of {$450.00}. My account balance on Opportun was - {$450.00}. 

On XX/XX/XXXX, I called customer service and explained the issue of the double payment and requested a refund. They said it would take 30 calendar days to receive a refund of the overpayment. 30 days! I was not happy, but I felt I was in no position to argue their policy so I acquiesced. 

On XX/XX/XXXX, I realized I had not received the refund check by mail as promised, so I called again. They said that I should call back in 3-5 days to make sure everything was good. I conjectured that I had already waited 30 days. They assured me everything was good. 

I called once again on XX/XX/XXXX and was eventually pushed to a supervisor. They claimed that a ticket was never created for my refund, and again, I would have to wait 30 days. I argued that this was unethical, and that they should call me when the check was being sent as I was in need of the funds. They called me back immediately asking for confirmation codes of my payments. I told them I had no record of confirmation codes, and that my online account still reflected the double payment. They told me I may have to wait 30 days once again. 

As of XX/XX/XXXX, I have not received my funds, nor have I received confirmation that a check is on its way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: GA
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:
I traded in this vehicle on XX/XX/2022. The company XXXX I traded in the vehicle to verified on 3 different occasions on a recorded line from XXXX of the pay off amount for the vehicle being {$4800.00}. The vehicle has been paid off since XX/XX/2022 and this account is still showing up on my credit report. I went on the website to my online account and my payment history had been erased and a new amount is coming back as owed and is stating not allowing payments. At this time I want this account to removed immediately off my credit report due to reporting inaccurate information and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately : 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 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 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 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 US SM BUS ADMIN ODA 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 explanation
Consumer complaint received 2022-09-29
Company: U.S. BANCORP
State: NY
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 leased a 2017 XXXX XXXX from US bank on XXXX XXXX. The lease was schedule to expire on XXXX XXXX. On XXXX XXXX car was stolen. the agreement provided that that I could purchase the car at the end of lease fpr XXXX. Due to theft of car I denied the opportunity to by the car. 
The insurance Company paid US Bank {$51.00} XXXX. I called US Bank to give me extra money {$18000.00} they received from insurance. 
As lease was expired on XXXX, and car was theft on XX/XX/XXXX, XXXX i was kept paying {$870.00}. I paid this amount, XXXX, XXXX, XXXX and XXXX, XXXX month. They sent me a check amounting {$1200.00}. ( without any calculation detail ) which is not a true retroactive payment of four 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 monetary relief
Consumer complaint received 2022-06-09
Company: TekCollect Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company came out one time for an insurance claim the insurance company requested that they submit paperwork as to what they did and the dry times on machines they claim to have here and they would never reach back out to the insurance and instead came after me for payment everyone else who participated in this claim have already been paid and the claim has been closed and all this company had to do was submit their paperwork so I called the debt company and told them that they were supposed to get me the paperwork they never have they wont return my calls they wont except my calls and now they put it on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-29
Company: BTH Management
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently sent a compliant of a unverified account from XXXX XXXX XXXX XXXX XXXXXXXX to the credit bureaus. I have already filed a request for proof of claim and affidavit. please see my attach documents. Please delete the above account at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX Co Balance XX/XX/XXXX XX/XX/XXXX Amount {$700.00} XX/XX/XXXX Delinquent Classification INSURANCE THE ABOVE COMPANY WAS NOTIFIED OF THE ACCOUNT NOT BEING MINE AND USED IDENTITY THEFT, YET THE ACCOUNT WAS PREVIOUSLY REPORTED TO ME AS REMOVED DUE INCORRECT REPORTING AND WAS ASKED TO REMOVE IMMEDIATELY AFTER NOT FURNISHING THE PROPER DOCUMENTATION.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: ID
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 sent a letter I received from XXXX XXXX directly to Experian for them to update the accuracy of my XXXX XXXX  account with 4 other letters, Experian decided to file an un requested dispute with XXXX XXXX, who Im not disputing on any level. I have access to my XXXX account on my phone and what I sent experian reflects what on my XXXX XXXX account. 

When I called experian to confront them on their fraudulently opening an un requested Dispute, their solution was to simply resolve the dispute and not updated my tradeline I paid them to update. I paid them money to verify a letter from XXXX XXXX  I received directly from XXXX, I know it benefits Experian to keep negative reporting online at all costs and theyre mighty quick to update company information but it could take up to 90 days for them to update consumer information. How is this behavior fair to consumers. It expresses that companies that pay them are more important that consumers they report on. 

Lastly the reason I am angry, is their behavior will affect my home purchase in a time when purchasing a home is very difficult and extra costly XXXX 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