BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
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 .This 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 2022-10-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was using a new XXXX  credit card through Comenity Bank and had {$170.00} due XX/XX/2022, I paid the full amount of {$170.00} on XX/XX/XXXX. I then realized Id get a late fee for paying a week late so I called comenity bank the same day to ask if I could get my late fee of {$41.00} waived as it was my first time ever being late to a payment and I was away on vacation when I received the bill. The representative told me that was fine and assured me he cleared my balance and waived the late fee, I made sure to double check that my balance was XXXX and I was told that it was. Recently, I was receiving calls from comenity bank saying I had charges due, I called on XX/XX/XXXX to see what were the charges and the representative told me I had {$120.00} due from the initial late fee adding up as the months passed and I had no idea. I was speaking to a representative and he was going to waive the additional late fees, but then the call got dropped. Called back again and I explained my situation to another representative and he told me he had no record of anyone waiving a late fee, but he understood my situation and said I could just pay {$36.00} and he would waive the rest of the late fees. I agreed and paid the XXXX on XX/XX/XXXX. I see I indeed got charged the {$36.00} but wanted to make sure my balance is actually XXXX this time. I call to check and the balance is {$90.00} now, which means they did not waive these late fees and would have continued to pile on late fees. Every time I speak to someone they rush me away and assure me it is being handled when it is not. I messaged them on various platforms repeatedly and was told the changes would appear in a few days. On XX/XX/XXXX, I was connected to a supervisor finally, they told me that they actually can not waive late fees because XXXX doesnt allow that, then I was switched to another supervisor who then told me they did waive only {$30.00} on XX/XX/XXXX. I hadnt even gotten in contact with them before XX/XX/XXXX so that can not be true. They said they can not waive any more late fees and have no record/notes of any communications with me. They said I had to pay it. So then I paid the remaining {$90.00}, but this is not right. I was lied to repeatedly by more than 4 representatives telling me they waived my late fees and my balance was at XXXX. And they told me they canceled my credit card per my request, which the supervisor told me did not happen either! This bank is full of liars and thieves. Ive paid double of what I should have and wish I never signed up for this credit card. Im hoping to get a full refund on all these late fees because it is not my fault whatsoever that I was lied to and made to believe my balance was XXXX so they could keep charging late fees. The bank is overall shady and suspicious, I know theyre a real bank but they sure do seem like scammers and basically are.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022, I mailed a certified letter to the XXXX XXXX Court XXXX XXXX of Michigan. In my letter I requested that they provide me with the process and/or procedure they follow to verify records regarding bankruptcies, and if they supplied the information to the credit bureaus. I received a letter response from the Bankruptcy Court stating, they do not report individual bankruptcy case filing data to credit reporting agencies, nor do they update information directly to the credit bureaus. '' With that being said ; how did the credit bureaus verify the bankruptcy? According to the 15 USC 1681, my rights have been continuously violated : 15 USC 1681 ( a ) ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX I am a natural person and a consumer filing this complaint. DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME. THIS IS MY SECOND ATTEMPT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notified Genesis dba Columbia Debt Recovery verbally by phone and email that I do not owe this debt. They are attempting to collect a debt from XXXX XXXX XXXX  which upon looking them up is an apartment complex in Texas. I advised them that I have no idea who they are and have never done business with them. I am born and raised in Alabama and have never lived outside of Alabama so I have no idea where this debt is coming from. I've asked them to stop contacting me and they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
The company, XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX is submitting credit reports with my authorization of any kind. 

They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Have the credit bureaus remove these immediately.

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 2021-08-03
Company: SN SERVICING CORPORATION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
As of today, we have been through XXXX loan servicing companies : XXXX. XXXX XXXX XXXX XXXX XXXX, then changed to XXXX. XXXX XXXX XXXX XXXX, account sold to XXXX. SN Corporation SN Servicing Corporation Account Representative XXXX XXXX XXXX XXXX, CA XXXX Office : ( XXXX ) XXXX ext. XXXX Direct Line : ( XXXX ) XXXX Email : XXXX We paid the balance of the loan ; however, loan servicing companies changed their names-from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX, and subsequently sold our information to another company, SN Servicing Corporation. They all kept harassing us, demanding to pay them the alleged debt which we do not owe them. We have sent them evidences which include XXXX ) Payoff Statement/Final Balance ; XXXX XXXX Cashier 's Check. They hired lawyers to collect the alleged debt and we provided them with the same documents ; they stopped. Our house was damaged by the snowstorm in mi XXXX of 2021, Insurance company sent them a payment on XX/XX/2021, they keep the money and refused to forward the payment to us. We filed a complaint with the Texas XXXX  XXXX XXXX, they investigated but then closed the case without any result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Medical Data Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have filed complaint after complaint against XXXX for not removing a medical collection with Medical Data Systems which I paid in full. Medical Data Systems sent out a letter saying account was paid in full and for it to be removed from my credit report even though it has a 0 balance. The other two credit bureaus had it removed in two weeks. But not them.Im fed up with them and am filing a lawsuit again them. They know what the letter said but refuse to remove it. This has been going on since XXXX of 2020. I have called them about 8 times and they start mumbling something that I am not even sure what they are talking about.

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 2022-10-23
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I need help to solve this problem that affects me with citi bank itself I have a negative account fraudulently opened based on identity theft, this credit card account opened with Macys credit card ( citibank ) I never applied or requested said account I contacted the bank and they They say that this account is mine without proof I went to the police department I made my identity theft report and the accounts opened under my information, since they are affecting me in my credit report please help me and eliminate this account. # XXXX I am receiving calls every day at all hours to collect a debt that is not mine, please I need 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 explanation
Consumer complaint received 2022-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I have a Capital One Quicksilver card and Capital One advised years ago that I could be upgraded to another card or that the annual fee would be removed indefinitely. I still have the same credit limit, going on five years and still a {$39.00} annual fee. I always pay on time so there is no reason that card could not be upgraded, or fee removed indefinitely. CapitaXXXX offers credit cards to all types of credits so there is no excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: KY
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:
The company, XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX is submitting credit reports with my authorization of any kind. 

They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Have the credit bureaus remove these immediately.

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 2022-08-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my rights : - XXXX XXXX XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX - US DEPT. OF EDUCATION/XXXX Acct # XXXX 15 U.S.C. 1681 Section 602A- 4 states that I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Galaxy Capital Acquisitions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, I began receiving letters for lawyer advertisements telling me that a lawsuit has been filed against me by Galaxy International Purchasing LLC. Galaxy International Purchasing LLC has not contacted me once about this matter nor sent me any mail communication. They have not served me nor properly notified me about this lawsuit by any means. I have not received any mail concerning the debt. I can attest to this as USPS scans each of my letters and notifies me everyday of my mail via email. I have records of my mail for every day, dating back to 2019. I never gave anyone any handwritten permission that they could sell my personal information to any third party. I did not give anyone permission to sell my information to Galaxy International Purchasing LLC. I have not received any calls from them whatsoever, nor have they left any voicemails. How is it possible that a company from XXXX XXXX has my personal information when I have never given any written consent? I only found out about this through advertisements from lawyers who want to defend me in this matter. I have not been served in person about this lawsuit nor have they reported this to a credit bureau. They have made no efforts to contact me to resolve this by other means either. I have no information on this debt as none has been given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
After nearly 2 years of paying off my Capital One bill on time and in full, in XX/XX/XXXX/XX/XX/2019 they changed my due date from the XXXX every month to the XXXX. Despite the change, I made my next payment, as schedule on time and in full on XX/XX/XXXX. 

A couple weeks later, while reviewing my statement I noticed a {$25.00} late fee because they didn't post my payment until XX/XX/XXXX. I called customer service and they agreed it was their fault and removed the {$25.00} late fee. However, since then I've noticed interest charges of {$67.00} and {$21.00} dollars, despite continuing to pay on time and in full. When I called customer service to dispute the interest, I was told that the " late '' payment was my fault and I would owe the nearly {$90.00} and that I should just pay them through their mobile app to avoid future charges. So basically, Capital One is charging me {$90.00} in erroneous interest because of their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I noticed inaccurate information was reporting to my credit profile. I sent notice to all 3 bureaus in XX/XX/2022 have not received a response in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CITIBANK, N.A.
State: IL
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I noticed inaccurate information was reporting to my credit profile. I sent notice to all 3 bureaus in XX/XX/2022 have not received a response in over 30 days.

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 2020-10-05
Company: Experian Information Solutions Inc.
State: GA
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 was recently retaliated against by Experian Credit Bureau regarding my submittal of 2 CFPB Complaints on XXXX XXXX NOTED AS FOLLOWS : 1. XXXX 2. XXXX 3. XXXX However, on XX/XX/XXXX, I received an update that my from FICO Membership that my score was negatively impacted by 16 points from an XXXX XXXX XXXX XXXX account that had already been sitting on my Experian report for the last 3 years which had not been utilized in any capacity and they decided to report it as a high balance after it had been sitting on my report for 3years. This is Blatant Defamation and Retaliation against me as a XXXX XXXX American XXXX  and U.S.  Veteran because I opened the complaints listed above because they did not act on the Proof of Documentation and information I provided to them regarding a SETTLED Account with XXXX XXXX. Instead, they stated the information was accurate with out even reviewing the Documentation which I sent in the mail. 

As a result, when I opened the CFPB Complaints, I was informed that my Experian Credit Score had dropped from XXXX to XXXX in a matter of 7 days! Experian needs to be investigated by CFPB, SEC, and FBI for manipulating Consumer Scores as a result of demeaning and retaliatory acts of Discrimination against XXXX XXXX- American. This is also a form of Suppressive and Oppressive Systemic XXXX Acts exuded by Experian as well. 

I am requesting that my Scores be restored to XXXX which is prior to the XXXX XXXX XXXX which is still not resolved. 

This is also another form of systemic XXXX  and oppression towards XXXX XXXX-Americans in the United States and should not be tolerated by an Corporate Entity. It is against the law to oppress U.S. Citizens and further treat XXXX XXXX-Americans as if we are in XXXX  with the Oppressing Economic tactics exuded by various Credit Entities and Corporations in the U.S. in a sole effort to restrict Access to Capital because of the blatant, discriminatory, and retaliatory tactics.

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 2022-10-23
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Commonwealth Financial Systems , Inc. has added to my credit report a collections for two amounts, One being for {$1200.00} and the other for {$1400.00}. I never received anything info which would allow me to right to dispute this claim. This is violations of FDCPA. And also violations of HIPPA since this is a claimed medical debt that I have no knowledge about.

Company response to consumer: Closed with explanation