BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX is still adding interest and fees to my student loan account. They had charged me interest on a student loan that was supposed to have ceased during the pandemic. I never agreed to have them as my loan provider. They have illegally added fees to my account. I have written and complain about the illegal fees added to my account. They have constantly illegally continued to contact me when I ask them to cease contact. If there is another department that I can file a complaint with please let me know. Now the balance has risen and the amount of the allege loan is more since I filed a complaint against them. My credit scores went down and my auto insurance went up. These dirty companies has constantly illegally affect my credit scores.

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 2019-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I closed my checking account with Bank of America on XX/XX/2019, however, I still have a credit card with them open. 

After closing the checking account, it has become impossible to make further payments on my credit card through the desktop online interface. 

I attempted to call them, only to deal with a profoundly incompetent IVR system that would not actually connect me to a human.

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 2022-04-04
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, a caller from Comenity Bank called me and told me that I owed {XX/XX/XXXX} in due on a credit card. I told the person I can guarantee {XX/XX/XXXX} on that day, but she kept telling me to pay {XX/XX/XXXX} right now or later before the month is over. I told her what I had to pay right now but she kept telling me in a aggressive tone to pay the current amount. After hanging up the conversation, I checked the account of the debt and it shows {XX/XX/XXXX} past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, someone attempted to add themselves to one of my credit cards along with changing my address. XXXX XXXX emailed me and I closed the account. I then receive a letter from XXXX wanting information on a credit application. I contacted the institution in XX/XX/XXXX and closed the application process. They removed the account from my credit file. When I received my credit report because of these issues in XX/XX/XXXX, I noted an account with XXXX/XXXX which I never applied for on my credit report. I contacted them and was advise I would get a letter to reply to it. Never received. I disputed the account with the credit bureaus ; however, Experian will not remove the account after twice providing details to them. I put a credit freeze with Experian since most of the issues appear to be related to their credit reports. I have also filed a dispute with XXXX. They are in the process of investigating my dispute. I have never visited a XXXX nor would I get a gas card from them.

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 2018-03-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I lost my job in XXXX and started working again in XXXX, my pay was cut by 3/4 but I took what I could get. XXXX called me over and over and I explained all this to him and told him Id pay when I can. Last Friday I told him I was meeting with an attorney to file bankruptcy and provided him with the attorneys information. XXXX began to call me again yesturday 3 times and today twice within 5 minutes of each other. I have the voicemails saved including the times they called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a balance of {$10.00} in my account and made a transfer using XXXX from another banking institution in the amount of {$25.00}. After I made the transfer I made a debit card purchase using my pin for {$32.00} and it successfully cleared. This morning I noticed my account had an overdraft fee of {$34.00} because the XXXX transfer was still pending. I feel that it is unfair to have been charged this fee because simply, if the money was not available to use, my debit card should have been declined. I called Chase bank and they explained that I did not meet the cut off time for funds to be available same day. While this explanation makes sense, what does not make sense is how I was allowed to use my debit card with my pin while the funds were not posted because I did not meet the cut off time. I am certain that many people have been in this situation before and it is unfortunate that Chase bank is taking advantage of customers with obscure transaction processing methods.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX is still adding interest and fees to my student loan account. They had charged me interest on a student loan that was supposed to have ceased during the pandemic. I never agreed to have them as my loan provider. They have illegally added fees to my account. I have written and complain about the illegal fees added to my account. They have constantly illegally continued to contact me when I ask them to cease contact. If there is another department that I can file a complaint with please let me know. Now the balance has risen and the amount of the allege loan is more since I filed a complaint against them. My credit scores went down and my auto insurance went up. These dirty companies has constantly illegally affect my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2014, my husband and I lived in an apartment complex for a few months personal issues happened where we had to leave. Almost 3 years later we decided to get a credit report for personal reasons and noticed an extremely large debt with a debt collector. Within the years they did not notify us what so ever. Last month we reached out to them and they provided us " verbally '' a list of things we supposedly owed when I asked if they could work with us they said no. We were not going to pay such an amount with no proof of this debt, no notification of debt, and the fact that it has been years and they still expect us to pay the full amount is outrages! Since then we have still not received any paper work indicating the debt. We have contacted the creditor and recently found out they have new owners. We have called, been to the office, and emailed them to at least provide some type have verification of new ownership and some type of copy of our file and have yet to hear back from them. This is ridiculous, I do not understand how they expect us to pay an outrages amount of money we had no acknowledge of oweing, this is not right!

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 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-12-18
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had filed a preliminary Bankruptcy with the Bankruptcy court in XXXX Oregon. We filed 3 of these on 3 different occasions to try to stop the sell of our home. With each one we paid a partial payment to start the process. This stopped the sale of our home. The final payment was never made to finish the bankruptcy in order for the Bankruptcy to be dismissed. But the one filed XX/XX/2016 some how ended up on my credit report. I submitted a dispute with XXXX an Equifax a few times and received a response that everything looked just fine. I then copied the bankruptcy documents and tagged the location where the document indicated that the bankruptcy was dismissed and sent them to XXXX and Equifax. Never hear back from them. I recently called XXXX and they resubmitted a dispute but one of the reps had told me that I needed to call the courts and have them call the bureau and have them dismiss the error. After calling the courts, they told me they do not report to the credit agencies so they could not take it off. I feel that the credit bureau 's are not reading the full document to see that this should not have been placed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX EQUIFAX RE : Dispute Letter of date you sent in first or subsequent requests To Whom it May Concern, This letter is formal notice that you have failed to respond to my dispute letter of I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on XX/XX/2017 ALSO BOTH OF THESE ARE 60 DAYS OVER THE DEADLINE OF YOUR INVESTIGATION SEE ATTACHED COPY FOR PROOF ALL OTHER DISPUTED DATES AND TIME SEEMS TO BE INVESTIGATED CORRECTLY! 

As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
The following information therefore needs to be verified and deleted from the report as soon as possible : CONFIRMATION # XXXX XXXX CONFIRATION # XXXX XXXX Please delete this erroneous item from my credit report as soon as possible. 
PLEASE LOOK AT DATE AND TIME AT THE BOTTOM RIGHT HAND OF THE FILE Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Experian Information Solutions Inc.
State: PA
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:
This is a last attempt before taking legal action on the federal level through the court system in the form of a lawsuit. I have file a few complaints with CFPB and disputes with Experian. I have received a letter from XXXX XXXX placing the onus of information change on Experian, and Experian 's dispute resolution process letter state that XXXX XXXX has updated information accurately. 

I have the law FCRA, Chapter XXXX bankruptcy, Letter of rescinded reaffirmation, complaints and disputes that show no progress has been made in this matter. 

The status of the account is NOT " open '' and nothing should be reported as " {$0.00} written off '' that is " charge off '' language. Also, the account should be positive, not " By XX/XX/XXXX, this account is scheduled to go to a positive status. '' This is Adverse Action Notification to defy the United Stated Bankruptcy law and FCRA that all debts discharged through Chapter XXXX can not be subject to what I deem as " double jeopardy ''. As well, in defiance of the law they have " Recent Balance : {$20000.00} '' while not trying to collect on a debt. Comments reflects my subsequent complaints that there is collusion to circumvent CFPB complaint process with statements in the comment section : " Account previously in dispute - investigation complete, reported by data furnisher. This item remained unchanged from our processing of your dispute in XX/XX/XXXX. Date of Status : XX/XX/XXXX ''. This is same information reported before and after the dispute. 

I would like CFPB to start the process of taking action of penalty against both corporations : XXXX XXXX XXXX XXXX and Experian. I would like to speak with a supervisor or manager to pursue this to the fullest extent of the law through your complaint process. I would also like a statement from the director and or your legal counsel. Also, I will be in contact with Judge XXXX and his clerk to see if he sees any legal impropriety to obstruct bankruptcy law. Therefore, once I have obtained all relevant legal information I will take under consultation to pursue the matter in the XXXX District of PA or the XXXX District of New York.

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 2017-06-02
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: Their investigation did not fix an error on your report

Complaint:
I have disputed several accounts with the  XXXX  credit reporting bureaus  XXXX ,   XXXX   and Transunion the credit accounts opened well over 7 years ago and most have a   XXXX   balance. Also it 's been  two  years and some hard inquiries are still showing on my credit report. I do n't know why the credit bureaus will not remove all of these accounts. There 's a lot of unlawful credit reporting activities and this most definitely  XXXX  of them.

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 2019-12-18
Company: DISCOVER BANK
State: WI
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:
Discover demanded me to authorize them to obtain by tax returns from IRS, I have never heard that credit card institution or obtained consumers records from IRS.

I feel Discover had discriminated against me for being perfect customer and NEVER BEING LATE : I feel that credit card company had chosen this route accurately predicting that I would refuse.

I strongly feel that real reason for Discover discrimination against me is that 1. they owed me rewards money, 2. they were never able to charge me late fees or any other fees 3. they did not wanted pay rewards I earned 4. Discover breached their terms and Conditions and had chosen convoluted way to close my account and refuse me from their service also vindictively ruining my credit report.

I request Discover to confirm clearly 1. why they had chosen to discriminatively " update and maintain my records via IRS 2. remove adverse notes from my credit report as it adversely affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} AUTO {$12000.00} XXXX - {$8600.00} XXXX CHARGE OFF XP/TU Late Dates : XXXX, XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX {$5000.00} REV {$3900.00} - {$3900.00} XXXX CHARGE OFF XP/TU Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} REV {$3400.00} - {$3400.00} XXXX XXXX XXXX XXXX CHARGE OFF XP/TU Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX -- / -- {$3300.00} OPEN {$3300.00} XXXX {$3300.00} {$3300.00} XXXX COLLECTION XP/TU XXXX XXXX XXXX XXXX XXXX XXXX -- / -- {$340.00} COLL {$340.00} XXXX - {$340.00} XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS 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 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2022-04-29
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error XXXX XXXX XXXX consumer by law at XXXX  information XXXX XXXX XXXX misused at XXXX  I have some false at not 100 % accurate XXXX XXXX XXXX Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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