BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX Collection {$15000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection {$26000.00} XXXX XXXX XXXX Charge-off {$5900.00} XXXX XXXX Repossessions {$10000.00} Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

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 2021-02-16
Company: CITIBANK, N.A.
State: NY
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 have a Shop Your Way XXXX ( Acct # XXXX Current / XXXX Previous ) and have made multiple attempts to have two fraudulent charges removed from my billing statement. 

The following fraudulent charges that were posted on my Shop Your Way Mastercard : XX/XX/2020 XXXX {$280.00} XX/XX/2020 XXXX  {$300.00} While I am a current customer of XXXX I have never issued payment via the Shop Your Way Mastercard, as I always make this payment via check directly to XXXX Per a request as part of the dispute process, I provided the following documentation ( both fax and post mail ) to support the dispute of these fraudulent charges : XX/XX/2020 Copy of the Cancelled Personal Check to XXXX for my XX/XX/2020 billing cycle. ( {$220.00} ) I have provided all of the information requested, and multiple attempts to remove these fraudulent charges have been ignored. I am an elderly person ( in my XXXX 's ), and this is causing a great amount of stress based on the fact that Shop Your Way Mastercard organization refuses to recognize that these charges are fraudulent and act accordingly.

Attached to this complaint is all of the documentation that the Shop Your Way Mastercard fraud team requested. I appreciate any and all assistance that you can provide in resolving this matter to my satisfaction. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have tried to resolve this issue many times with XXXX XXXX XXXX but it never worked out. 

XXXX XXXX XXXX has done erroreneous reporting for two Hard inquiries dated XXXX XX/XX/2017 to issue credit card. 

I had applied for credit card on XXXX XX/XX/2017, only once and that was in-person in the branch and it was immediately approved by the branch manager XXXX. 

XXXX  XXXX XXXX has pulled my credit score twice without my permission or it has erroreneously reported two hard inquiries. 

However if XXXX XXXX XXXX has my second application on the same day, kindly provide me papers of my second application papers as an evidence. 

Else remove the wrong hard inquiries from my profile.

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 2018-10-10
Company: EdFinancial Services
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
About two weeks ago, I was reviewing my credit report and it dropped from XXXX to XXXX. Federal student loans served by Edfinancial are being reported as closed and as separate loans, even though its one loan with different disbursement dates. Edfninacil says its due to different disbursement periods. Iam still in same school and it should not be reported as if I am already out of school. 
Also, accounts are reported as closed yet current. This places me as irresponsible individual taking out loans and closing them, when I am not. 
I threatened them to go to department of education, and they said, the same info will be given and its no difference. 
Resuming, I have an unsubsidized loan which I do not control disbursement dates and each disbursement its being placed as a new loan and reported as such, and accounts as closed. 
They said they fixed the closed acct issue but reporting will stay as is. 
This is affecting me as if I have too much debt and should not be even reported yet, since this student loans are automatically deferred until 2020, but they even put those notes on my reports, as if I requested deferrment. They also say problem lies with XXXX university which call themselves XXXX global online but I begun with XXXX university and had no choice in this matter. Meanwhile, My score has decreased and affected my credit and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: NY
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:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14
Company: WESTERN UNION COMPANY, THE
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Just want a refund of {$150.00} sent to the XXXX by Western Union on MTCN XXXX XXXX XXXX on XXXX. Money was not picked up. Money can be returned to Visa Debit Card # XXXX XXXX XXXX XXXX or Visa Debit # XXXX XXXX XXXX XXXX  in the name of XXXX XXXX XXXX Additional information available if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have had a netspend card for months which I have activated and used for months without an issue. Today XX/XX/2018 I tried to make a purchase online and the transaction were declined when I know I had funds on the cards. 

I called customer service and was told my balance was {$300.00}. And that they would now need ID, Social Security card and a Utility bill to release my funds. Please keep in mind that I have had the card for months and have loaded it and used it for many transactions. now after having the card, loading and making purchases froze my account without warning and are holding my funds XXXX. 

ID and social security cards were not requested during activation and now all of a sudden they need this. I am requesting my netspend account be closed and my funds which total around {$300.00} be sent to me via check at the address on file.

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 2023-03-02
Company: Experian Information Solutions Inc.
State: IL
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:
A credit card was opened in my name on XXXX I did not authorize to open. The credit card was opened under XXXX XXXX  ( XXXX ) a XXXX XXXX XXXX. I had spoken to the credit card company and they have flagged the account and closed it. I additionally spoke with the fraud department at experian credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient from the start mis-informed, diverted and ultimately destroyed my credit because of thier lack of guidance and/or help when it came to my loans coming out of forberence. I was XXXX on SSI with XXXX children trying to find a new job after graduation and my loans were coming out of forberence. I tried contacting Navient to get information about reducing my payments through consolidation or other options that would keep me from defaulting on my current loans. They told me my options were very limited and that I could only apply for a hardship, which I did. Nothing ever came of it and my loans went into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
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:
Called USAA CREDIT CARD CUSTOMER SERVICE 2 years ago about credit alert that my credit score went down from XXXX to XXXX Representatives told me it was because I used XXXX $ on a credit card that I asked for a low limit to use online because are other card had XXXX $ of available credit We have never had a late payment had XXXX $ in available credit She told me because I used half of the XXXX $ credit limit. We then got in an argument about this I asked to report a complaint and they would put me on hold and disconnect from me this went on for 3 hours. Since then my credit report from XXXX has been lowered then the rest of companies. Usaa submits charges that are false on my card the credit reports are lowered on my report then my husbands 2 years this has been going on USAA HAS REPORTED THAT WE OWED XXXX $ false on our credit card. We have been so careful with are money I dont feel a representative should be able to do this to someone who has outstanding credit Please make this stop they recently added a XXXX $ charge that was disputed and refunded back on to my credit card to lower the score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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:
I am interested in processing disputes on my credit report with experian to help an clear my report. alot of data is inaccurate that is hindering my file. it is not 100 % accurate across all credit reports. please delete an remove all negative items to help clear my credit file asap.

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 2023-07-03
Company: EQUIFAX, 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:
I am writing to inform you that there is 100 % improper use of the credit report! Attached to the SSN! XXXX, EQUIFAX, AND XXXX HAVE 1000 % VIOLATED THE FCRA AND I AM HIGHLY XXXX ABOUT THIS! I looked over the credit report and there are some addresses that appear incorrect. Not only did I find addresses, BUT I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT, INCLUDING ACCOUNTS I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I have included documentation providing proof of my current address, social security card, passport, drivers license and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY BEFORE A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED ON A CONSUMERS CREDIT REPORT. AND THE INFORMATION ON THE XXXX, EQUIFAX AND XXXX credit report is not accurate and ITS COMPLETE XXXX! Ive spoken to a lawyer and he tells me that I COULD EASILY take this to COURT and fine XXXX, EQUIFAX AND XXXX {$1000.00} per VIOLATION ( and there are MANY VIOLATIONS )! I DEMAND YOU, XXXX, EQUIFAX AND XXXX TO REMOVE ALL THESE FRAUDULENT, INACCURATE ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT TAKEN OFF OF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS, THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUIT LIST : XXXX, EQUIFAX, XXXX 15 USC 1681 SECTION 602 A states I have a Right to Privacy!

15 usc 1681 SECTION 604 A SECTION 2 also states a Consumer Reporting Agency Can not Furnish an Account WITHOUT My Written Instructions!!! 
DELETE THESE ACCOUNTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 

TO MAKE THE DELETION PROCESS EASIER, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP AND FRAUDULENT REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP : ACCT NAME XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, EQUIFAX, XXXX XXXX XXXX XXXX XXXX, EQUIFAX, XXXX XXXX XXXX XXXX, EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX, EQUIFAX, XXXX XXXX XXXX XXXX XXXX, EQUIFAX, XXXX XXXX XXXX XXXX XXXX, EQUIFAX, XXXX Unauthorized Inquiries : XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX via XXXX Inquiry Date : XX/XX/XXXX XXXX via XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: UNITED BANKSHARES, INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I brought a ticket from XXXX but I never used it. I have been requesting a refund.

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 2023-04-20
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 and 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 non-monetary relief
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are 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 explanation