BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
multiple times I dispute fradulent accounts, but all 3 credit credit reporting agencys, keep saying information is correct, please help me to remove 12 fraudulent accounts from my credit report, XXXX and XXXX removed 6 fraudulent accounts, please also help me with XXXX XXXX and XXXX to remove remaining fraudulent accounts from my credit report, I'm attaching all fraudulent accounts witch one I print it and uploded. 


police report also uploded

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 2023-06-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed an account " XXXX XXXX XXXX XXXX '' this account is closed and it's now it's reporting as open, this is a violation of the FCRA. I want this account removed from my credit report, I intend to file suit if this account isn't removed.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a XXXX  truck through this company. Never received a refund on our gap coverage when the vehicle was paid off early.

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 2023-01-30
Company: EQUIFAX, 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:
This is " XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED : XXXX XXXXXXXX XXXX : {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020, I attempted to direct deposit {$15000.00} into my Cash App account. This money was sent from my account with XXXX. However, without notifying me, my Cash App deposit account had been closed. Therefore, the funds were rejected. I expected to see my money return to my XXXX account but it never did. This money has been missing ever since. 

I talked with Cash Support, and they were able to provide me with a PDF that shows that XXXX did indeed attempt to deposit the funds. I've attached this document. 

Some months ago, I actually filed another complaint against XXXX, thinking that they were at fault. XXXX confirmed that they do not have the funds. I've attached XXXX 's response. 

I shared this information with Cash Support, but they would not help me. Additionally I checked the unclaimed funds service but did not find anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Account Management Services, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt has exceeded XXXX yrs, original debt from XXXX, they keep selling account and is way past reporting age. This debt collection company keeps falsely renewing the debt age and will not remove from my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14
Company: CITIBANK, N.A.
State: PR
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 reported a fraud incident with my credit card company ( Costco Visa Citi ) due to a transaction that occurred on XX/XX/2020. My credit card was cancelled and an issue was credited to my account. I reported incidents I believe in XXXX as well for multiple transactions that were approved to my account for a total of {$2700.00} ( detail below ). I also reported at that time some payments that were made to may account with a checking/savings account that was added to my online account that I did not recognize. These charges were reversed on the account but there was no security investigation as of how my account was accessed and a checking/savings account was added to my account. They simply reversed the charges on my account and also sent me on XX/XX/XXXX a determination that the charges to my account stand because the card 's XXXX chip was used at a chip enabled card reader. Also, my account credit limit is of {$1200.00} and they continue to approve transactions to my account even if it was over the limit. How can that be? If i am short for {$30.00} on my account and try to buy at a store I am sure I would not get approved. I have had other credit cards that spot illegal transaction like these and quickly contact the customer to confirm. Transaction over transaction were made to my account with no security on their side. There are too many strange things happening on my account to simply accept this determination. They can view my history on this account and my purchases never even passed I believe {$500.00}. I was very careful with my credit to have it ruined by this. I am sure there is a reason as to why XXXX adopted pin with the chip enabled cards and not just signature. The truth is that technology is an asset but it can be tricked. Below all the transactions made to my acccount.Notice that the first transaction was credited. 

XX/XX/2020 XXXX # XXXX XXXX, PR $ XXXX Credited XX/XX/2020 XXXX XXXX XXXX XXXX, PR {$200.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX PR {$200.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX, PR {$250.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX, PR {$400.00} XX/XX/2020 XXXX XXXX XXXX XXXX, PR {$210.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX PR {$700.00}

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 2023-09-25
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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: Investigation took more than 30 days

Complaint:
I asked this company for a investigation to modify accounts that are reporting incorrectly. This company have filed to report accurate information as 15 U.S.C 1681s-2 ( A ) ( 1 ) Also this company did not have my written permission as 15 USC 1681 Section 604 A Section say Also I have right to privacy as 15 U.S.C 1681 section 602 A.

Please hold these company accountable and reomove these accounts that are interfare in my life.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i sent XXXX, XXXX, and experian letters XXXX, requesting the inaccurate and incomplete accounts that are reporting on my credit report. i have attach copies

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 2023-06-27
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/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 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Todays date is XX/XX/2019. And I was just billed by Transunion for XXXX . Now I did not sign up for any service whatsoever. I exercised my right according to what they advertised to me to get a free credit report around a month ago it must have been. So I can only assume that they automatically signed me up for monthly credit reporting, which I repeat I DID NOT sign up for, nor do I remember being notified that I WOULD be signed up for any such service. I dont even have enough credit history to have a fico score generated yet. I have found that I am not the only person who has been tricked into something like this, and according to them, the only way to unsubscribe to this service is to wait for absurd amounts of time on hold before I can speak to someone at transunion who will be able to help me with this. While I will be doing this tomorrow, as they are now closed, I am filing this complaint because I see this as a violation of my rights and in all honesty, a theft of my money. As a result of this complaint, I would like transunion to refund me my money. That is my primary motivation for filing this complaint. XXXX , I do not care about, but the principle of letting this go does not sit right with me. Let me know please what else you might require of me.

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 2023-10-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 demand that my privacy is respected. Refrain from sharing any personally identifiable information ( PII ), non-public information ( NPI ), private information, or financial information about me with any third party without my prior written consent. All assumed consent is hereby rejected and i wish for all accounts and reports to be disclosed to me before being reported as required by law. 

This includes, but is not limited to, my name, address, phone number, email address, Social Security number, date of birth, driver 's license number, passport number, financial account numbers, credit history, medical information, and any other information that could be used to identify me. I also demand the following accounts be removed. 

1.All accounts in connection with XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  I am aware of the following laws that protect my privacy : The Gramm-Leach-Bliley Act ( GLBA ) prohibits financial institutions from sharing customer information without their consent. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit bureaus from sharing consumer credit reports without their consent. 

The Health Insurance Portability and Accountability Act ( HIPAA ) prohibits healthcare providers from sharing patient information without their consent. 

The Privacy Act of 1974 prohibits government agencies from sharing personal information about individuals without their consent. 

I am also aware of the following state laws that protect my privacy : Wisconsin Statute 134.98 requires businesses to notify individuals of unauthorized acquisitions of personal information. 

Wisconsin Statute 19.356 Wisconsin Statute 134.97 If you violate my privacy by sharing any of my PII, NPI, private information, or financial information with any third party without my prior written consent, I will take legal action against you. no where in this letter is a request for validation or verification. This is a legal notice letting XXXX XXXX and Equifax know that they are in violation of the law and my rights to privacy. Wisconsin does have private right of action for this and it will be costly and will involve concurrent jurisdiction. This will make Credit reporting agencies extremely liable and shall be costly. I will also be filing with the SEC, IRS, FTC and attorney general if my rights are not respected. This is in no way a request for verification. I am demanding the listed accounts be removed from my consumer report. these accounts are violations of multiple state and federal laws and credit reporting agencies are in violation of ITADA and are aiding in identity theft and violating the FCRA. this is a notice to cure. 

Thank you for your attention, be blessed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
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: Personal information incorrect

Complaint:
Incorrect information on my 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 non-monetary relief
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/XXXX. Transunion and XXXX added 2 hard inquiries that are not mine. 

1. XXXX corrected it but THEY are still reporting the 4 point drop these caused in my credit score! 

2. XXXX is still showing them but thier is no contact info. 

3. I can't reach XXXX 4. XXXX XXXX NA says they don't have any record of this so they can't do anything. 

I have not applied for ANY kind of loan or insurance. 

I beleive this fraud might be from someone that I had incarcerated for stealing my car in XXXX. He was released XX/XX/XXXX, the night before these inquiries showed up. He has a background of fraud. Also, on XX/XX/XXXX he called my daughter and asked for my birthdate, claiming he wanted to send me a bd card. Unfortunately he caught her off guard and she ignorantly gave it to him. It was shortly after she gave it to him that these 2 inquiries showed up. 

I have since frozen all my credit accounts and added fraud alerts to them all. 

Regardless, I haven't been able to get anywhere with XXXX at all. XXXX removed them but did not restore my credit points. Trying to contact these other 2 companies that caused all of this has been futile. 

XXXX ( Finance ) XXXX XXXXXXXX Na ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX Although having these inquiries on the TRANSUNION ( XXXX ) report are not currently affecting my score, they said they will if they are there more than 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
EQUIFAX Information Services LLC has obtained my social security number, account numbers, and credit card numbers from XXXX XXXX and XXXX without my authorization. I do not want EQUIFAX to have my personal private account information with these financial institutions. EQUIFAX also is sharing and selling my information to unknown 3rd parties. This is identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX Master Card through City Bank. Due to Covid-19 and my loss of work from XX/XX/XXXX. I have missed some payments and recently been unable to pay the above card. Before Covid my credit score and my payment history was good. I have been very proactive calling XXXX many times to inform them of my situation. The only help I was offered was a 2-month deferment. The high interest, late fees & other fees increased my balance owing each month. Even if I could pay {$50.00} for example, the next months bill would have interest & fees that were more that what I had paid so my debt continued to climb. I was told by this company that the only way to stop interest charges & fees was to close the account so I did but the interest charges & fees continue. I was receiving many phone calls daily from this companies but with no real help offered. I wrote a letter to XXXX on XX/XX/XXXX and they wrote back still offering no real help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Contacted Transunion several times to dispute many duplicate credit inquiries ( 12 total ) from XXXX XXXX XXXX XXXX, Only ( 1 ) of these many inquiries were made outside of XX/XX/2020 and should be deleted for the reason of duplicate credit inquiry entries within a certain period of time. 

Transunion is able to see all of these inquiries and dates but have refused to take immediate action to delete these entries but instead placing the burden on the individual disputing the item ( s ) to complete a burdensome process. 

Lenders can confirm current or previous credit requests for customers but instead contribute to lowering consumer credit report scores by fraudulently processing multiple credit inquiries. 

Credit bureaus should also provide consumers the right and a way to dispute inquiries within their credit report files such as other account dispute processes either online or over the telephone with a representative.

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