BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
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: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-20
Company: Experian Information Solutions Inc.
State: CA
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 writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts.

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 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please see the following list below which are companies that have requested Hard Inquiries without my knowledge or consent. I've reached out to each of the following as well as submitted disputes to TransUnion and XXXX  with no result. I've asked and demanded that they submit proof of my request for a product or service and non of the companies have been able to furnish any results. I've also placed credit inquiry freezes on my credit accounts to prevent from this happening in the future. Please help! 

TransUnion XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please provide proof that I submitted these requests, through what medium/channel they were submitted, and when. Otherwise, please remove these inquiries as they shouldn't have been there in the first place!

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 2023-05-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX  XXXX/XXXX  XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX Balance XXXX {$26000.00} XXXX/XXXX  XXXX  XXXX Balance : {$270.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX/XXXX XXXX Balance : {$270.00}

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 2019-03-25
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 reports a credit card account to experian even if I have never done any business with them

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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My score was dropped 99 points after a balance decreased and notes were removed from my student loan account. When I called transunion to ask why they couldn't give me an answer. Transunion wanted me to buy their products to explain why my score dropped just kept reading from their sales pitch and refused to answer any questions.

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 2023-01-06
Company: Paramount GR Holdings, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX ( later renamed XXXX XXXX ) charged us almost $ XXXX for a solar installation which we got a loan for. GOODLEAP paid for it and XXXX XXXX XXXX breached contract, shut down multiple systems country wide, refused to come fix our unit and then filed Bankruptcy. Now we have a solar loan payment for a solar system that does not work, nor will XXXX honor the warranties of their products that were installed by XXXX XXXX XXXX, but rather sent us a list of other solar providers to call. They are all hours away from us. Now our energy bill is back up and our XXXX payment is just insult to injury. GOODLEAP stated that the counter suit of the customers of XXXX XXXX XXXX will liquidate the assets in court and should pay for it. Meanwhile we are supposed to wait and keep paying but thats not right. If we stop payment it will affect our credit and we will have to dispute the debt there too. Complains have already been filed with XXXX XXXX XXXX and XXXX, whom advised to ask GOODLEAP for debt forgiveness or a lowered pay off, which I was willing to consolidate our debts to pay off. GOODLEAP has refused to help, to relieve any of the debt and told us just to wait. That does not sound smart to me. I am joining thousands of other horrified clients of GOODLEAP and XXXX XXXX XXXX who think it is sinful what these companies have done, and their working relationship is questionable from the beginning, looking back. It is not all on us, the consumers, to have to jump hoops and bend over backward to attempt reaching any resolve or find helpful information beyond what has been presented. 

GOODLEAP should be the one to pursuit repayment of this debt that they paid XXXX XXXX XXXX for our non functional installation. They can get their money back from the XXXX  themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX XXXX XXXX temp number ( XXXX ) XXXX XXXX XXXX number ( XXXX ) XXXX XXXX To Whom It May Concern : Last Friday, XX/XX/XXXX, I went into an XXXX XXXX XXXX XXXX XXXX XXXX near the XXXX XXXX XXXX XXXX, to purchase a Jet Pack, for reception on XXXX internet network. 

I was sold a package with a XXXX XXXX XXXX ( because my moto XXXX wouldnt work ) ; promised by XXXX XXXX XXXX, that the XX/XX/XXXX first payment would be less than {$200.00}. I agreed, and waited for my number ( XXXX ) XXXX XXXX, to be changed. He even wrote down his quote on my receipt, and then denied that he wrote it. 

The number was not transferred, and XXXX has avoided me ; he left about 3:00 PM. 
He texted me the next day, saying I had threatened him, because I had pointed out that he lied to me about the price, and failed to transfer the number. He told me it was out of his hands! 

I waited through Sunday, XX/XX/XXXX, when it was apparent the number wasnt going to change. Driving back to the store, I explained my predicament to XXXX XXXX XXXX ) XXXX XXXX. She tried to help, taking back the items purchased, and returning my old phone. I called the previous carrier ( XXXX XXXX ), but was told the number wasnt available. I spent hours on hold, trying to fix this, using XXXX phone. And hours on the road. 

Today is the fifth day I have been unreachable, because my number is not in service. No one at XXXX seems to be interested in this ; there is no commission to be had. I talked to XXXX who offered to put me on customer service hold again, at the store yesterday ; I declined. 

I would like to dispute the sale, as dishonest activation fees, and therefore void : Suntrust ( Truist ) disputes ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged XXXX XXXX - XXXX credit XXXX XXXX - XXXX credit XXXX - XXXX credit XXXX XXXX XXXX total owed Please help me restore my number, and retrieve my refund from XXXX! 

Thank you in advance for any help you may offer. 

Sincerely, XXXX XXXX XXXX : Any Interested 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 monetary relief
Consumer complaint received 2023-01-06
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I call vanella gift card dispute number I send a form is been 6 months and they haven't solve the issue, keep telling to fill out the form and call back with a week vanilla gift cards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$7200.00} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2.

It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have dispute several account with XXXX and I submitted complaints regarding several creditors on my credit profile. Ive submitted documents such as police report and court documents. These companies are still reporting negative on my credit profile which have caused me to to be denied for numerous of credit opportunities. Listed below you will find the complaint number from CFPB and the creditors listed. I would like these issues to be resolved immediately and not just a statement of investigation, There have been Several investigations and no results. I would like for XXXX and the companies listed to uploaded all supporting documents, regarding these debts listed on my credit profile. Otherwise, I would like to request a full investigation from the FTC. This have affected my life tremendously. Need Help ASAP!!!! 
Thank you, CFPB Complaint number with the documents attached : XXXX Companies Listed on the credit profile : - XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX : {$7900.00} - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  XXXX XXXX : {$170.00}

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 2020-12-15
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has stated that the item remains on credit report as unchanged and that the account has been verified with the furnisher as accurate as of XX/XX/2020. How is this item verified? Provide me with Experians method of verification by providing the original contract with signature from original creditor, the payoff disclosure, and credit insurance. By law the CRAs are required to provide this documentation to the consumer when requested by law in which, Experian has refused to provide. Via the Fair Credit Reporting Act it is the responsibility of the Credit Reporting Agency to ensure that the information that the creditor is reporting is 100 % accurate and it is not. Experian still reports ( date of status : XX/XX/2020 ) which is an FCRA violation which means that Experian is not conducting any investigations. Experian still does not report name of original creditor which is a FCRA violation. Experian reports contact information for creditor : XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX, XXXX  reports : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX, XXXX  reports : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA. How is this account reporting accurate with three different addresses? Via the Fair Credit Reporting Act information being reporting on a consumers report has to be 100 % accurate, timely, and verifiable. In this case it is not.

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 2018-02-02
Company: EQUIFAX, INC.
State: OR
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/XXXX tried to unfreeze credit record Co. claimed they could not find any record I have had credit fo 40 years and credit freeze for 10 yrs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the Citi Wealth Management Act # XXXX on XX/XX/18 under promotion transfer asset over 100K get {$600.00} I did everything I required for that promotion and called many times XXXX since XX/XX/2018 But they are not honor that promotion, I only get XXXX from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: BlueChip Financial
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX I accepted a {$400.00} loan with the expectation to make $ 135 monthly payments. First payment I missed and called one day after its due date to request to make a payment in 3 days, on my pay day. Instead they offered to defer the payment for a month in exchange for XXXX XXXX monthly payments, and the extra amount would cover any accrued interest. Which at the time, sounded fair. After making 5 monthly {$170.00} payments, I Called to see if it were possible to lower my monthly amount. Again, I was offered something I didn't ask for ... .now bi weekly {$93.00} payments. I regrettably agreed to this amount, because {$170.00} is a huge chunk all at once ... ..and that's where the REAL trouble began. I recieved a reminder email for my upcoming payment on XX/XX/XXXX. My principal ( AFTER ALREADY PAYING {$700.00} ) was {$410.00}. I went to pay loan in full and on their web account, it says I owed {$550.00} still! I emailed several times, made phone calls, nobody can answer where my {$700.00} payments went!!!!!! They are stealing my money. The only response from " XXXX '' even remotely touching the subject was as generic and unhelpful as these auto responses on this page. She tried to make it sound as if I extended my loan, but evem then I asked her how I would ever pay off my loan if every month my principal amount JUMPED by {$150.00} without ever even missing a payment? Literally impossible to ever pay off and it makes XXXX sense. 

I am doing everything I can to at the very least, be treated fairly. XXXX also presumed to highlight because they're tribal, they do not hold the same laws. But I do not believe that is any sort of immunity for all.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
American Express has become a global bank with all customer service handled out of our country. The customer service representatives do not have accurate information posted to card holder accounts regarding payments that have been made. False and misleading information has been posted to my closed American Express account to the 3 major credit bureaus AFTER I sent a Bank Check to pay off the entire balance due. Very suspiciously the XXXX XXXX XXXX XXXX number with signature confirmation confirms American Express DID receive a Bank Check for {$3200.00} on XX/XX/XXXX, XXXX BUT American Express customer care claims there is no record of this payment AND still show my account as not paid. There are over XXXX complaints posted on XXXX XXXX regarding American Express NOT posting payments to American citizens AND business owner accounts AND false negative information sent by American Express to 3 major American credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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'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 explanation