BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-17
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:
I wrote Credit Bureau on multiple occasions asking to verify a bankruptcy on my credit report. I asked to verify when it was reported, who they talked to, phone number called, etc. They wrote back and just said verified. They never would give me what I asked for.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 


5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 


6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 


7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 


8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 


9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account XXXX XXXX XXXX Delete this account. 


10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.

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 2021-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion displays innacurrate employer ( XXXX XXXX ) on credit 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
Consumer complaint received 2021-10-14
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I notified TRANSUNION by certified mail of the following accounts : XXXX. XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) permissible purposes of the consumer reports in general - subject to the subsection of ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is public information and TRANSUNION has been negligent and continues to commit civil violations against me. TRANSUNION has been furnishing these accounts on my consumer report without having my DIRECT consent! This is completely identity theft! They continue to provide me with investigation results stating the account has been verified as accurate - but fail to provide any adequate documentary evidence of having my direct consent. I have called their customer line and fraud department on several occasions and they refuse to assist me with my issue. They state they have not received anything from me or they received insufficient information from me. I demand they be held accountable for their violations and demand monetary compensation! I demand that TRANSUNION delete these accounts immediately! Today, XX/XX/2021 I received a response to the CFPB Complaint XXXX from TRANSUNION stating that they will need to " verify '' the information being reported on my consumer report. What federal law gives TRANSUNION any authority to " verify '' these accounts and needing to contact the creditors to verify? I am demanding that TRANSUNION provide me the federal law that states they have any authority to " VERIFY '' anything on MY consumer report. Also there has been an abundant number of " investigations '' done by TRANSUNION and the law clearly states that these " investigationgs '' 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 credit of the consumer or from the consumer. 15 USC 1681a ( e ). I am also just getting an automated generic response to my complaints!

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2023 I restarted Credit Monitoring with Trans Union. I discontinued the service about 2 months earlier because of chronic inability to sign in. I got no credit probably for months where I didn't engage the process but it would not have been available to me any way because of a problem. I called the Customer Service Line at XXXX first after what seemed to be a contact it followed with an immediate disconnection. Finally i Reached them after 54 minutes of effort. I believe I had been transferred outside the US and that is not a complaint except the background noise was such and the males accent so thick I couldn't understand him until several repetitions of the same question or ask him to repeat back his answer. Today I began trying again to resolve the problem at XXXX again the phone problems connect and immediate disconnect. Since then and perhaps coincidentally or by some other very unusual circumstance I have begun getting false invoices and orders. The person I spoke to had all my information including my Verifying questions. I can not reach any one at the company to help me. Id like to be helped or they refund an amount equal to time i was without service for their inefficiencies and my current term or better still that someone helps me solve the problem. Please 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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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:
My identity was used to open accounts and after reporting this issue the bureaus seem to not have removed these collections and other inquiries off my credit report. 
They are in violation of 15 US Code 1681c-2 and 1681b. My information was sold to third parties without consent by consumers who seem to not be able to provide signature verification on consent.

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 2021-04-04
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THIS 3RD. PARTY VENDOR NAMED RESURGENT CAPITAL SERVICES BOUGHT AND OBTAINED AN OLD BANKRUPTCY CASE FROM XXXX  XXXX  DATED FROM XX/XX/XXXX THIS ACCOUNT WAS CHARGED OFF ON XX/XX/XXXX AND THE CHARGE OFF DATE WAS XX/XX/XXXX, THE AMOUNT OF THE DEBT ASSIGNED WAS {$660.00} ACCOUNT NUMBER ENDING IN XXXX WITH AREFERENCE NUMBER OF XXXX, ALSO THEY BOUGHT ANOTHER ACCOUNT ACQUIRED ON, DATED XX/XX/XXXX CHARGE OFF AMOUNT WAS {$660.00} CHAGED OFF DATE WAS XX/XX/XXXX, ORGINAL CEDITOR DATE WAS XX/XX/XXXX ; THIS RESURGENT CAPITAL FAILED TO ABIDE THE CEASE AND DISIST LETTER SENT OUT XXXX, THEY CONTINUE TO HARRASS ME ABOUT ANY DEBTS THEY BROUGHT OR OBTAIN FOR THE SOLE PURPOSE OF OBTAINING A COLLECTION ON A DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Messerli & Kramer P.A.
State: WI
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:
This issue began when XXXX XXXX XXXX, a debt buyer, purchased or otherwise acquired a disputed account from XXXX XXXX. I have requested numerous times that XXXX XXXX verify the debt owed with documentation ( not their bills which proves nothing ). 
I have requested documentation in compliance with the FDCPA and according to the FCRA. These requests have fallen on deaf ears and no such documentation has been provided by them. 
I further have asked for method of validation used to determine accuracy. I asked for an itemized listing of charges/debits and an affidavit. these documents were not provided and the company is using my SSN and other data to report this on my consumer credit files. 

I was contacted from Messerli & Kramer PA on behalf of XXXX XXXX XXXX and informed that I am being sued for damages pertaining to a {$1200.00} debt. the paperwork states that I am to present myself in court, or to pay them a settlement. 

I find it unethical in the extreme that I am dismissed and then sued, and pressured to hire attorneys which I can't afford, or waive my rights and agree to pay them for an account I challenge and do not recognize. I am an older woman and do not have access to legal representation. I need assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company continues to report the account as Charged Off every month. The account was charged off XXXX  and is not supposed to continue to report at Charged Off 5 years later.

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 2021-04-03
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX  2020, I received a promotional offer in the mail to open a savings account with Citibank, to maintain a certain balance and then receive a corresponding cash bonus. I opened the savings account online with instructions to fund the account. A few weeks later, I saw that the account was not funded, so I called Citibank and was told that I should transfer the funds myself online. XXXX A few weeks earlier, I had already transferred $ XXXX from another bank into my CItibank checking account. ) I went ahead and transfered the $ XXXX into the Citibank savings account. 
Two months later, I called to check on the {$500.00} cash bonus, and was told that I would have to wait until XXXX I called in XXXX, and was told that they could not find the promotion to which I was referring, and asked that I bring it into the nearest Citibank branch. I told them that I could not bring it in personally, because of health concerns, but that CItibank could pick it up or I could mail or eMail it. I was advised that I could not mail it, and that there was no eMail address that I could send it to. The representative said that they could open a dispute, and would get back to me I called again in early XXXX, and was told that the promotion was located and that the funds would be deposited within 10 days. 
I recieved a letter today stating that I DO NOT qualify for the promotion because the funds were transferred into the savings account from another Citibank checking. I explained that I had to transfer the funds to the new savings account because : ( 1 ) Citibank failed to fund the savings account ; and ( 2 ) I was instructed by Citibank to transfer the funds myself I followed all of the terms : ( 1 ) opened a NEW savings account iwth $ XXXX ; ( 2 ) maintained a $ XXXX balance for 60 days thereafter. Citibank has refused to honor their own promotion

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 2023-08-19
Company: Securus J Holdings, LLC
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I am writing related to the following complaints about JPay : improperly processing stamp purchases, improperly processing money transfers, and improperly processing password changes. Previously, when I attempted to purchase stamps for the state of NY for a specific inmate, it processed them for the state of NJ. Stamps for the state of NJ cost more. So, what happens is I have to turn around and purchase stamps again. I've used stamps for the state of NJ on one occasion. On another occasion, they processed a {$20.00} money transfer to an inmate that I allotted postal stamps in order to pay for postage to my home for {$200.00}. They claimed they gave me confirmation that the payment was going to be processed for {$200.00} when they did not. They refused to refund the money. Because I did not feel it was appropriate for the inmate to have to jump through the hoops to mail me a check back, I gave him three different options : keep the money for XXXX, mail the money back to me if he thought it was important, or donate the money to a charity of his choice. He chose to donate the majority of the funds to XXXX XXXX and provided me with the receipts for the donations. He kept {$70.00} of the money for himself, which is fine by me, in order to pay for future stamps, envelopes, paper, copies, and other items needed. Finally, I have attempted to change passwords on numerous occasions with JPay through my desktop. It will allow for the changes, kicks me out, I log back in, and it will not accept the password. I end up having to reset the password, which goes to my XXXX  account at XXXX ( the e-mail my JPay account is under ). Then, I redo it through my phone by accessing my e-mail. It finally accepts it. I'd also like to recommend that JPay allows for longer passwords : 22 characters minimum. At this character length, hackers essentially give up and quit trying to access an account. JPay has a lot of problems on file with the CFPB and published in the news. Including recent lawsuits. The way they are handling customers is not ok. I'm currently working on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I can attest that there are huge problems with their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 had a credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which I closed in XXXX of this year due to outrageous fees. 

I was charged a yearly fee, around the time I closed the card and was told the fee would be returned to the account I used to pay my bill each month and should arrive in approximately 7 days. This was over a month ago. Several follow up calls have yielded different answers. I have heard my request is still processing, I should received a check in 7-10 days, and the check is in the mail. Almost two months later, I still have not had this fee returned. 

Second, I closed the card in XXXX and paid the balance in full. I never carried a balance on this card and always paid it off every month. Not only are they still reporting a balance, they are reporting that I am over my credit limit ( due to the annual fee they charged ). Not only do I have a XXXX  balance and have had a XXXX  balance since XX/XX/2020, I have had no luck getting the company to remove this from my credit report. I filed a dispute with the credit reporting agencies in XXXX about the incorrect balance/account status/over the limit remarks, which resulted in the card showing as closed and the balance being {$0.00}. Then, early this month, the company again reported the same incorrect data to Transunion, resulting in a nearly 50 point reduction in my credit score. I have filed a another dispute with Transunion to have this removed again, however, it comes at a time when I am rebuilding my credit and attempting to purchase a new home in the next few months. Such a drastically reduced score, due to the incompetence or criminality of the card issuer/credit agency, has negatively impacted my ability to seek other credit/mortgage options and may end up costing me significantly more in interest once the home loan process is complete.

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 2023-08-19
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:
Information shared with Citi : I purchased the product on XXXX XXXX The merchant offers a 30-day money back guarantee ( THEY SHARED THIS POLICY WITH YOU. Did you read it? 

I requested the guaranteed refund 8 days after the purchase. 

Yes, they did nag me to stay, but I told them multiple times to cancel and refund. 

My comment : Citi sent me all of the correspondence, but they didn't read it. If they had, they would see that I followed all of the proper procedures to enforce the 30 day money back guarantee.

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 2020-03-10
Company: Experian Information Solutions 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:
XXXX pd officer ftc violation I want removed The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

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 2019-07-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I receive calls every single day, some times multiple calls in one day. They are calls for some one else, not me. They are pre recorded calls and are coming from Synchrony Bank. The phone number they are coming from is XXXX. Please make these calls stop. I have told them several times that I am not the person that they are trying to locate. But still the calls persist. Please, please make them stop. 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 2023-08-19
Company: LEXISNEXIS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 non-monetary relief