BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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:
This is my MULTIPLE Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX  XXXX Bankruptcy Reference XXXX XXXX  XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: Maximus Education, LLC dba Aidvantage
State: CT
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 requested my 3 disclosures to opt out of reporting my personal information to unaffiliated third party consumer reporting agencies, pursuant 15 u.s.c. 6802 ( b ), but they dishonored my request, sent me a copy of a promissory note. This is my second time notifying OSLA student loan servicing. They are violating my rights to privacy. They have no PERMISSIBLE PURPOSE to furnish my personal private information to the CRAs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The below inquiries are showing on my credit report and I did not make them. I need these removed as it's fraudulent. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX/XXXX/2022

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 2022-02-18
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: NC
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 had a credit hard pull on my Equifax report from XXXX XXXX Bank. I disputed this, as I was never informed that a hard pull would be initiated for a credit limit increase. Rather, they pulled it as an application for a credit card and never gave my the results of my credit limit increase request, and they were advised of numerous servlet errors in the app during the process that made everything work inproperly. I was advised by customer service to contact their main number for assistance. When doing so, they told me they can not remove pulls from a credit report and that had to be done through Equifax via the dispute process. I then proceeded to tell them about the errors, but nothing was done. I was also still not given the results of my limit increase. As a result, I submitted my dispute to Equifax as an error in reporting a hard pull inquiry. They immediately denied the dispute and closed it. I am asking that this pill be removed from any and all credit reporting within 30 days by either the reporting agencies or XXXX XXXX Bank. I have copies of all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I 'm a victim of identity theft, and credit monitoring/freeze by XXXX has proven ineffective. 

I recently found {$5200.00} worth of charges to a banana republic account that I have n't used in years on my credit report. I called XXXX to report another case of fraud and they called Synchrony Bank, but they were unable to successfully dispute charges or help. They left it to me to call Synchrony Bank at a later time and request statements ( all statements ) of charges so that I could dispute them as fraud. XXXX did confirm with Synchrony bank that a flagged fraudulent address had been issued a replacement card and was incurring the charges. The same fraudulent address in XXXX CA that has been the source of my many issues. Despite this, Synchrony bank would not give information/release the statements. 

I called synchrony bank to get the statements, but because the identity theif 's address and phone number ( which I do not know ) are tied to the account, they would not send me copies of the charges. 

I 'm in a difficult position where : 1. Synchrony bank knows fraud has happened, and has confirmed this with XXXX. 
2. XXXX is unable to help me until I have all the fraudulent statements AND 3. Synchrony bank will not send copies of the statements to me because I do not have the security information the ID thief put in place. 

Summary : Synchrony Bank & Banana Republic would like me to pay them {$5300.00} for a bill they ca n't show 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 non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: OH
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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There 's a XXXX XXXX account on my Transition file that does n't belong to me. I 've been trying to get rid of for years. Additionally, I got an alert some recent credit inquiries were made without my permission. When I tried to submit my dispute on an account and inquiries and got this message : Request Failed Thank you for contacting TransUnion. Our goal is to maintain complete and accurate information on consumer credit reports. The dispute request you sent us via the TransUnion online dispute feature will require manual processing. 
Dispute Resolution Steps REPORT DATE XXXX/2017 NAME XXXX XXXX XXXX ADDRESS XXXX XXXX, XXXX XXXX What will happen next? 
If you have any documentation to support your dispute claim, you may provide the information to us via mail at XXXX XXXX XXXX XXXX XXXX XXXX. Please remember to include your File Identification Number on all correspondence to TransUnion. 
We will investigate your dispute and return our response via U.S. postal mail. Internet delivery of the dispute resolution is not available for this request. 
If you have any additional questions or concerns, please contact TransUnion at the address shown below to check the status of your dispute. 
TransUnion Consumer Relations XXXXXXXX XXXX When contacting our office, please provide your current file number 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 2023-04-06
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 non-monetary relief
Consumer complaint received 2022-11-08
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
purchased XXXX  XXXX XXXXXXXX XXXX from Westlake Finical, Loan was leased to another company ' mileage speed odometer ' was wrong on car ' loan was not properly instructed ' wasn't given the Option to Opt-Out. car was at the time of purchase and still a having multiple issues with this vehicle. contacted the XXXX  they seemed to not want to help " requested money back or a working reliable vehicle and was not given option ''only TO PAY! and nothing they can do!! 
I need 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 2016-09-07
Company: CITIBANK, N.A.
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid back in the XX/XX/XXXX to a debt collecter, sold again after paid to XXXX in XXXX, AR they apparently filed a judgement but never tried to collect, I went around and around with them and Citibank finally got it clear up and off my credit record bought and sold XXXX houses in XX/XX/XXXX some debt collector name XXXX, Ar refiled a judgement on me that has kept us from selling our house. Debt collector made mention in letter why I thought it was paid. I do n't keep records that long but I did contact my bank where I bought and sold home it shows paid, verified by the credit bureau and show on my credit report in paid status with the date, I have ask XXXX to verified this debt and they refuse, but continue to hold judgement on me. I have called there office they have went from XXXX to XXXX to 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 2023-07-05
Company: Upstart Holdings, Inc.
State: SC
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/2023 up until XX/XX/XXXX someone stole my identity. First of all I began receiving text that said I changed my passwords and they came quickly about 50 in 10 minutes then my phone and email addresses were no longer available. I didn't realize what happened because I have never experienced fraud such as this before. I wasn't able to retrieve my cell phone services because the company said the scammer locked everything down they weren't able to open the account. In the meantime I noticed a XXXX XXXX financial loan was approved online but never picked up by the scammer and an Upstart account for {$5700.00} was given to the scammer. I have a great deal of inquiries from the dates given that have brought my score down tremendously. I have requested my credit report 10 times and I still have not received from XXXX and XXXX. I have tried to explain I did not open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
When I tried to use my prepaid gift card I checked my balance and noticed three charges of {$20.00} each another one for {$7.00} to XXXX XXXX in XXXX XXXX  XXXX. I live in XXXX and I have never made an attempt to purchase such app and I do not live in XXXX XXXX  XXXX. And the Amex XXXX was given to me as my birthday gift to use at XXXX XXXX in XXXX. 

I immediately contacted the Amex XXXX XXXX at XXXX and reported that someone had used my card. I was informed it would take 45 days to clear and would receive a new card. But instead, I received an email stating my dispute was not approved for unknown reasons and that case has been closed. 

Dispute Case No XXXX Thank you so much for helping me with my case. I am extremely disappointed in how my case was handled by Amex XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX credit card, has violated my rights. 15 U.S.C. 1681 section 602 states that I have the right to privacy. 15 U.S.C. 1681 also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
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've been a victim of identity theft in the past. My information has been compromised due to a data breach. These accounts DO NOT belong to me. I'm alleging that a person or company without my authorization from unauthorized use of my social security number and card used my personal information to apply for goods services or money and was successful in creating fraudulent accounts. I have no knowledge of this, its hurting my chances at getting a home loan.I have disputed accounts in the Past with all 3 Credit Bureaus and the fraudulent Accounts are still on my report with no documentation evidence from the investigation that was made. A investigative report should be done by personal interviews and all 3 Credit Bureaus FAILED to accurately investigate, I need these inaccurate and unauthorized accounts removed from my report IMMEDIATELY because it is hurting my chances with getting a mortgage, which is helping to ruin the banking system which in turn is ruining the economy.

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Problem getting your free annual credit report

Complaint:
I have tried numerous times to access my online account ; I can only access my credit info on Transunion through XXXX if I pay for the three credit reports every month or XXXX XXXX, but I can't dispute anything on my credit report unless it's through a 3rd party credit repair agency. Still, I don't want to pay someone for something I can do myself, so I stopped paying it. I cant create a complaint online when I can't access that. I called about a year ago, and the agent couldn't verify my identity, so they would not unlock my account. I have recently started along again, and the automated service hangs up on me, and I can not get a live person with TransUnion.

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 2023-11-18
Company: Payward Ventures Inc. dba Kraken
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/, I transferred $ XXXX to my XXXX account through my account in XXXX. I did another transfer of $ XXXX on XX/XX/XXXX  from and to the same accounts. With this funds on XXXX platform, I purchased crypto and transferred to a crypto trading platform called " XXXX ''. within few days, I came to know that these people are scammers and on the same day I raised dispute on $ XXXX via mobile banking app of XXXX. I called XXXX to raise another dispute on $ XXXX as I didn't see this on the dispute page in the app. On the next day the XXXX XXXX  able to reverse $ XXXX. But they couldn't do the same for $ XXXX. They said that the funds are no longer available with the beneficiary bank. I trued to login to my XXXX account to verify the same but they close my account without any notice. So now I can't login to capture the deposit details. XXXX gave me XXXX XXXX details to deposit which I used for both the deposits. Tried to reach XXXX XXXX but they said they are closed on weekend. I don't have an account in XXXX XXXX and can't access XXXX account. Am totally scammed for $ XXXX. $ XXXX through money transfers from XXXX XXXX  and remaining amount from XXXX XXXX transfers. Filed a complaint to XXXX to reverse the crypto transfers. But they replied that the crypto transfers can not be reversed. Now I lost $ XXXX after recovering $ XXXX through XXXX. Please help. I'll provide any other if needed. Am worried that, I uploaded my Selfie along with my Drivers license on to the scammers platform.

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