BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I have had the same  XXXX  student loans reporting on all  XXXX  credit reports since  XXXX , but as of  XXXX   XXXX   XXXX  my Transunion credit report is showing my loans twice.   I am in the process of consolidating my student loans with  XXXX   XXXX , but they have not made any moves on the consolidation as of today, so these duplicates decided to just show up out of nowhere doubling my number of negative accounts and dropping my  credit score ( FICO  )  XXXX  points!!   I can not do another dispute with Transunion due to an open dispute with them in regards to a cellular phone bill that was opened by someone else in my name without my consent.   I have been working very hard trying to repair my credit and to seen this drop in my  credit score wa s disheartening.     I need to have these "   XXXX   XXXX   '' removed from my report ASAP.     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 2021-02-19
Company: Experian Information Solutions Inc.
State: MD
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:
In relations to complaint number XXXX that I submitted on XX/XX/XXXX, I received an email from CFPB on XX/XX/XXXX stating, " this complaint lists someone the company does not recognize as their customer or their customer 's authorized representative. '' But Experian, you sent me an email on XX/XX/XXXX at XXXX stating that you all are still working on my dispute that I submitted on XX/XX/XXXX ( please see attachments ). I knew the account I disputed on XX/XX/XXXX was closed because you ( Experian ) claim it came back verified as accurately ( please see attachment ). That made me check my Experian account which is when I discovered that XXXX has now been re-opened after you ( Experian ) saw my complaint on XX/XX/XXXX. 

This concludes that you definitely recognize me as a customer and is blatantly avoiding fixing the errors on my credit report. So, how is it that you recognize me as a customer for XXXX but totally ignore the same complaint for a different account with 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 2021-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I have a car that I've been I've been buying for 3 years One Missed payment in XXXX they took a hundred points unreal I need to relocate and I need my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on This agency is in violation of 15 USC 91692g. They were to notify me of this in writing 5 days prior, I was not notitied. As the original creditor. only I can validate this debt. I do not validate this debt. Therefore. the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Reporting Act [ 15 USC {$1600.00} ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC {$1600.00} ( g ), " credit card is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes vour social security card, driver 's license ID, and license plate credit cards that are were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. 
Best regards Consumer credit agent 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 explanation
Consumer complaint received 2017-06-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Five years ag o we entere d a Chapter   XXXX  Bankruptcy agreement in an effort to retain our existing home. The agreement involved making our monthly payments and we did. In  XXXX  ou r Chapter   XXXX  was official ly discharged. We proc eeded to pursue to refinance with an alternate lender  b/c Wells Fargo was a  terrible business partner and rigid. As we proceeded to refinance, a payment history was requested by our retained lender and consistently reported the account as not current. The payment history reflected  XXXX  not current-which was n't the case. After callin g Wells Fargo for h elp, I was informed that I need to request a review in writing and faxed-which I did on  XXXX . I was informed that I would have the completed review by  XXXX  and still have n't received the full reconciliation of the payment history. Today  XXXX , I called to inquire where this request was and was informed that it would not be done until  XXXX . Why if all payments have been received does it take almos t one mon th to figure out how much of my money they have received and provide me a true accounting. This has significantly impact my current refinance attempt likely increasing the interest rate and lots of wasted time.

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 2018-03-26
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
There is is a class action suit against CITI card holders for charging too much interest. I received a letter in the mail stating that I may be one of these customers.

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 2022-09-14
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an alert from XXXX XXXX- a debt was filed against me on XXXX from a company called Transworld System IncXXXX for a debt from XX/XX/2016 from XXXX XXXX XXXX which services XXXX XXXX XXXX I have not lived in XXXX XXXX in over 15 years which I explained to XXXX- This collection agency did not provide an account number or a service address. I filed a dispute with XXXX and they did a XXXX XXXX investigation and seems like they are going by this company 's verbal statement instead of asking for information verifying this was my account. I contacted this collection agency today explaining why I was calling wanting the information verifying the account and stated I will not provide any banking ; credit card or social security number and they hung up on me. This is a total scam. Why would it them over 6 years to find me?? I was not in hiding. If this is my account, this company should have no problem providing an account number and service address in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bill was paid in full on XXXX, XXXX took the payment over the phone. Item was turned over to XXXX XXXX XXXX and put on my credit report. I got it resolved with them, and removed off my credit report with that company. Then the bill was turned over to Medical Revenue Service, after being resolved. This happened with 3 Bills. I called and tried to get this resolved and removed off my credit report but XXXX refused to listen or let me talk with a Manager stating that his manager do not have time to talk with me they have more important thing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
The options provided did NOT pertain to my situation. So I selected the closest one option! 

So I have several Blue Bird American Express Prepaid cards that I use individually for different expenses. 

So my one card had {$380.00}. On XX/XX/2022 I used it to purchase on XXXX for the amount of {$34.00}. The order went through with no issues. So fast forward I go to make a purchase at XXXX and my card is declined. 

Before I explain further XXXX XXXX XXXX  so my phone has XXXX XXXX XXXX  that comes up in calls so I read what is being said! 

So I call BlueBird at the number listed on the back of card. I enter card number and it tells me my account is permanently suspended. I speak with a representative who then transferred me to a male representative. He hung up on me. So I call back and get a different representative I explain to her and she puts me on hold for 10 minutes. She comes back and says my card has been permanently suspended due to fraud. So I then ask her what about my balance on my card and others. She just hangs up on me. 

So in the meantime there is approx XXXX XXXX in limbo and I cant get an answer Apparently all my other BlueBird Cards have also been permanently suspended and I cant log in to those accounts either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-09
Company: CITIBANK, N.A.
State: NC
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 2 UNAUTHORIZED HARD INQUIRES by Cbna Last Reported by XXXX XXXX XXXX 2017 - XXXX XXXX XXXX XXXX. Posted on my XXXX Credit Report that are not on my XXXX Credit Report. I have not applied for any additional credit cards as I only possess one credit card the XXXX XXXX to rebuild my credit. The rest of my processes are for credit repair. Please investigate and remove thes two Hard Inquires from my XXXX Credit Report. I contacted CBNA Customer Service but obtained no satisfaction.

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 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 have an auto loan with XXXX XXXX. 

Account # : XXXX I moved XX/XX/2019 from XXXX XXXX XXXX XXXX DE XXXX to : XXXX XXXX XXXX XXXX DE XXXX They never sent me a single statement in the mail to my old OR new mailing address after moving. I even have a mail forward setup with USPS. I also get a screenshot in PDF format of every single piece of mail sent to my old address ( I still own the old address, it's still on the market for sale ). 

They reported me 60 and 90 days late on my credit report and never gave me a single statement, nor did they notify me at all of any credit reporting going on. I found out by applying for a XXXX credit card and getting denied completely ( my credit score is typically above 800 ). 

They violated the Fair Credit Billing Act and cost my credit score almost 200 points, literally just for not giving me any statement AT ALL. I called and paid in full as soon as I found out. The worst part is, I had AUTO PAY setup the whole time!!! They weren't running the auto payments! 

The staff at XXXX XXXX XXXX told me it was my problem and to take it up with Transunion. 

Transunion did absolutely nothing at all other than say the information is accurate.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX 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 2022-09-14
Company: ERC
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX  ERC collection agent I requested documentation from ERC about an Account that they are reporting on my credit report, this is my second time requesting information. ERC send me a copy of some agreement with a signature that does not belong to me. I dispute this with the credit bureaus and the claim it was verified. However, this account doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: U.S. BANCORP
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call on XX/XX/XXXX, from an unknown number. After not answering the call I proceeded to receive a voice mail recording. The recording stated " XXXX XXXX here and skip tracing a pre-legal department at XXXX XXXX '' The voice recording then gave a website to pay off the debt. I then went to the website : XXXX and there is no address listed on the site to send any debt validation letters, or cease and desist letters. After entering in some of my information I was presented with XXXX options for payment, but no information about the debt that I could verify. Shortly after and without asking I started receiving text messages to my phone number. However every time I request an address to send a debt validation letter the communication stops. I believe this to be in violation of the Fair Credit Reporting Act, as I am allowed to send a debt validation by mail and they are refusing to send an address to do so. It also appears upon further investigation that the website registers to XXXX and not the United States. I believe this to be a fraudulent collection activity, on a debt I do not know and am not able to verify.

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 2022-09-14
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:
In accordance with the Fair Credit Reporting act CRA, Equifax Information Services has violated my rights by reporting fraudulent inquiries after my dispute process, and not providing documentary evidence validating ownership of transaction to me as the consumer. This is my second time explaining to Equifax and its referenced creditors that my personal information was stolen in XXXX, and since then Ive been seeing a lot of unauthorized/fraudulent inquiries. Ive attached a police report pertaining to the incident. Please immediately remove all fraudulent inquiries I have listed below, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

In accordance with the FCRA if the investigation results are verifiable I request the documentary evidence that lead to it being verified to be mailed to the address on file, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On the morning of XX/XX/XXXX, I, XXXX XXXX was notified of a situation where my domestic partner XXXX XXXX had opened a new personal account checking and savings with Navy Federal Credit Union on XX/XX/XXXX, and over night Navy FederaXXXX XXXX had taken {$2000.00} of her opening checking deposit which was {$2200.00} ( a XXXX Payment from her Employer for her 30 day pay period the month of XXXX. ) as repayment for my navy federal credit card visa cash rewards card # XXXX which was discharged as bad debt many years ago due to non payment. The situation was very strange as I was not added as any type of joint user on the new checking and savings acounts she opened XX/XX/XXXX. And this credit card debt which was discharged in XXXX or XXXX I believe, did not belong to her. All collections would tell me is " Shes not getting her money back. '' She was very upset as she had immediately processed our rent payment of {$2000.00} by echeck to XXXX XXXX XXXX with the XXXX payment from her boss. After she spent all day begging collections to give her her payroll money back so our rent could clear, she was told XXXX from new member services would review the new member account opening recording and decide if this was a bank error and she would get her money back. After reviewing the recording XXXX decided it was a bank error and XXXX XXXX was due her money back. But then XXXX told XXXX the returning of her initial deposit money back was conditioned upon me XXXX XXXX calling Collections supervisor XXXX id # XXXX for some reason and they would not say why. When we tried repeatedly to reach XXXX, and were unsuccessful we were put in contact with XXXX XXXX in collections who told me that in order for XXXX XXXX to receive her initial deposit money back, I had to agree to a payment arrangment of at least {$300.00} a month with initial payment starting in the month of XXXX to repay the discharged debt related to the visa acct # XXXX. Because XXXX payroll check and our rent echeck were being held hostage I was forced to agree although I can not afford that high of a payment to them. When I asked how me starting to pay on this discharged debt again will effect my credit, XXXX XXXX said it may appear negatively again if I default, but she could not say if anything positive would happen or how it would be reported since the debt was already discharged many years ago. I would like some help understanding how what happened today effects my credit going forward and how navy federal XXXX is allowed to use a new members opening deposit to twist my arm to make an arrangement with them on a credit card debt from many years ago I can not afford to pay at this time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This isn't authorized. Please remove those inquiries on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation