BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please correct and update.

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 2023-07-31
Company: TD BANK US HOLDING COMPANY
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
The account number for TD Finance is XXXX and im gon na make reference to the old complaint XXXX because I been asking for the authorization to move the vehicle to Puerto Rico and they answer me that go to DTOP to start the process but for the process the authorization has to be notarized. 

I appreciated for all your information in the past complaint and all the hrlp you can give me with this last step. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. Someone opened a fraudulent account with XXXX XXXX XXXX XXXX personal information. I have been trying to dispute this account for a while. The past 4 months I have been calling Experians customer service and every representative told me they will not reinvestigation this fraudulent account and it was verified by a certified letter. Experian never sent me a copy of verifying documentations. To date Experian have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests to perform a proper full reinvestigation. I have proof of Experian being noncompliant. Per the Fair Credit Reporting Act, Section 616 ( a ), if you willfully fail to comply with the requirement to investigate my accounts, you are liable for damages of {$100.00} - {$1000.00} and reasonable attorney fees as determined by a court of law. 
I want Experian to conduct a proper reinvestigation with this fraudulent account. Please send proof of their findings! Promptly remove this unverified account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: Experian Information Solutions 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:
I am the victim of Identity Theft. I sent my FTC identity Theft Report to Experian on XX/XX/2022. They did not remove XXXX XXXX. They said it was verified as accurate. They removed XXXX and a few days later put it back on my credit file. I sent a second letter to them on XX/XX/2022 stating : I recently received a copy of my credit report, and I noticed two accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of these in writing 5 days prior, I was not notified. As the original creditor, only I can validate these debts. I do not validate these debts. Therefore, the following accounts must be deleted from my report immediately XXXX and XXXX. I gave accounts and amounts. The reporting of these accounts are a violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( 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 1602 ( 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 your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

They again did not remove these accounts. They said they were verified as accurate and updated.

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 2023-07-31
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call from many phone numbers. XXXX XXXX sometimes its a women 's voice automated, sometimes a man 's. Commenity Bank. They call a few times a day 7 days a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: CL Holdings LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please, please please make all the credit agencies PROVE that the debt they are attempting to have reported on a consumer 's account is good debt w/in the statue of limitations BEFORE the credit companies put the info on a consumer 's report and downgrade the credit rating. Innocent until proven guilty. My Experian account reported that my credit score went down b/c of new information reported by XXXX XXXX XXXX Acct XXXX who CLAIMS I owe {$98.00} to XXXX. XXXX bought this debt they are attempting to collect from me. XXXX reported that it was current as of XX/XX/XXXX and shows little x marks next the past XXXX months on some bogus report they misrepresented and fabricated. As reported on XXXX report JCS phone = XXXX, address XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX. I opened a dispute advising XXXX to request XXXX scammers prove that its debt collection action follows the Virginia state statue of limitations debt collection laws. XXXX responded w/in hours that the debt collection attempt is good and my dispute is closed. I have NOT had a XXXX account since XXXX or XXXX when I switched to XXXX XXXX to XXXX years ago - way past the statue of limitations. I contacted XXXX XXXX to set up home internet service. XXXX first ran a credit check on me to determine if I owed XXXX any money, The XXXX rep told me in XXXX I do not own XXXX any money. I phone XXXX XXXX on XXXX XX/XX/XXXX. Experian online now prevents me from reopening my online complaint or it is hidden behind some screen. I XXXX robot prevented me from speaking to a customer service rep saying it is impossible for me to speak to a cust. svc. rep. Call back another time. When is the federal govt going to put guidelines in for the three credit agencies who are clearly in bed w the predators and demand that they make it super simple for people to easily respond to the repeated misrepresentation of this debt collector predators.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Avant Holding Company, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called the company to cancel my application, and they refused to cancel application. They advised me it was already approved. I advised if I can cancel sending the money, they declined. I advised if I send it back in full. They advised me that I will still owe the admin fee and any additional finance fee which includes ex. If I borrow XXXX then I have to pay them back XXXX + XXXX in finance charges totaling XXXX, so if I return it same day I will still owe them the additional XXXX. This is ridiculous since I was returning it as soon as they gave it to me. I shouldnt have to owe anything. Since they also refused to cancel it. I tried calling for resolution, they would hang up on me. I asked to speak with supervisor and they would hang up on me instead of transferring me. I asked to speak to the supervisors, manager and the CSR would hang up on me. I got no resolution or anything saying, if you would like to continue with the loan that you have been approved for and here are the fees. They didnt give me any options to reject it. I feel that this is illegal, especially since I have been trying to cancel this before it even got sent out. I would say no one should ever get any loans from Avant.com they are predatory and prey on the old and poor like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Social Finance, Inc.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX I made some purchases from XXXX. On XX/XX/XXXX a sectional showed as delivered but I never received it. Perhaps it was stolen I don't know. On XX/XX/XXXX I filed a chargeback with Sofi. I informed them I never received the sectional. XXXX responded with no proof whatsoever that I actually physically received the sectional. 

Sofi, despite having no proof whatsoever that I physically received the sectional ( which was shipped without insurance or signature required ), sided with XXXX. I appealed and originally they refused to look into it but they then re opened the dispute. After another 45 days they closed the dispute again with no evidence whatsoever that I physically received the sectional. 

I provided them with proof that I bought two sofas on XX/XX/26 because I hadn't received the sectional. I offered them a witness who was with me from XXXX non stop and can attest that I never physically received the sectional. I offered them my XXXX where they can clearly see the only two couches in the apartment were the new ones not the sectional. I also offered them proof that I lived in a one bedroom apartment and so it would be extremely difficult to fit a sectional and two sofas. 

In short I offered an insurmountable amount of proof that I never received the sectional. XXXX provided no proof whatsoever that it reached my possession. Per Sofis own terms I am supposed to be protected for goods that do not reach my possession. Simply being delivered does not ensure it reaches someone's possession. Additionally Sofi refuses to send me a pdf of their revised report, although they did confirm there is no actual evidence that I received the sectional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-11-04
Company: EQUIFAX, INC.
State: NY
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
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:
There are currently 5 XXXX XXXX XXXX XXXX XXXX closed accounts reporting negatively on my Equifax credit report. Around XX/XX/XXXX I was able to get the XXXX XXXX XXXX XXXX XXXX accounts REOPENED and CURRENT with Dep of XXXX XXXX but the 5 Dep of XXXX XXXX XXXX accounts that are closed are still reporting negatively on my Equifax credit report. 

Between the Dates of XX/XX/XXXX - XX/XX/XXXX I have disputed with Equifax and XXXX multiple times via telephone and mail to have the closed student loan accounts removed, but Equifax and XXXX refuse to remove the 5 XXXX XXXX XXXX XXXX XXXX accounts that are closed and reporting negatively Equifax is the only credit reporting bureau that is reporting the XXXX XXXX XXXX as closed and negative even though in XX/XX/XXXX the accounts were REOPENED and now CURRENT with Dep of EdXXXX I have disputed with Equifax using Consumer law and most recently XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX Account # XXXX has violated my rights. 

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 written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
See attachment Other Inquires I didn't authorize XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXXXXXX 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 2023-11-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-06-14
Company: CITIBANK, N.A.
State: CA
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:
I purchased football tickets for {$980.00} using my Macy 's Amex from XXXX  XXXX  on XX/XX/XXXX. The event was on XX/XX/XXXX. One week before the game I had still not received the tickets, so I called XXXX  to have them issued. I sat on hold for over two hours and was informed I had to wait until at least three days prior to the event, but that I should have them in the next 6 hours. Fast forward to two days prior to the event - still no tickets. Once again I got back on the phone, sat for another two hours, and was told I would be receiving them via email within the next four hours. Twenty-four hours, later and one day before the event, I still had not received any tickets. I had family coming into town to attend the event with me and it was imperative I receive the tickets before the game. Friday morning, the day before the game, I sit on hold again and once again was told I would be receiving them within a few hours. Nothing ever came through. I called Macy 's Amex to report the fraud and informed them I never received the tickets, the game was less than 24 hours away, and I will be purchasing tickets from another vendor -please dispute this charge. I made the purchase of the new tickets on the same card immediately after that phone call. They ensured me they would take care of it as I had never received what I paid for. My account was credited {$980.00}, until XX/XX/XXXX, when the charge reappeared on my credit card statement. I called to dispute it again and they assured me it would be credited. I have multiple emails, multiple faxes, and phone calls to Macy 's Amex to get this {$980.00} fraudulent charge removed from my credit card to no avail. Today is XX/XX/XXXX and the charge has still not been removed. Their reason- the ticket was non-refundable and the circumstances surrounding the charge offer no recourse to recover funds. Ultimately, they reversed the fraudulent charge the first time and allowed XXXX XXXX  to recharge the card in XXXX. This is illegal and needs to be fixed immediately. I have been a customer for over fifteen years and have never disputed a charge. It was reported before the event happened, and XXXX XXXX  should be held accountable for their fraudulent activities, along with Macy 's Amex for allowing the fraud. I hesitated to submit this as I am sure it will cause retaliation with a credit limit cut or closed card, but I refuse to be bullied into paying for something I did not receive.

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 2021-12-31
Company: RFNA, LP
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2021, a representative from Republic Finance located on XXXX XXXX XXXX in XXXX, AL called me a total of 5 times via my cell phone with in minutes of each other. During two of those calls they left me two messages one at XXXX XXXX and the other at XXXX XXXX. On the 5th call I answered because I was at work and at that point I felt that I was being harassed for an account that was only a week late. I get that my account is late but to call me a total of 5 times is excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account # XXXX - XXXX XXXX, has violated my rights. 

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 an account without my written instructions.

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 2019-11-23
Company: Experian Information Solutions Inc.
State: FL
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
NOT MINE ... 
XXXX XXXXXXXX XXXX  XXXX, FL XXXX-NOT MINE  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, XXXX, FL XXXX NOT MINE

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