BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. I have file FTC report. Please remove these unauthorized inquiries and inaccuracies from my credit report. 

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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 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

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 2020-12-29
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ID Theft Victim. See letter attached, and report. If not resolved, legal action will follow!

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 2023-09-29
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to XXXX XXXX XXXX XXXX this morning. theManger XXXX XXXX helped me. She took a lot of time and effort to correct my situation ; as she explained it to me. 

her professionalism, kindness, patience and compassion., served me well. My account is corrected and I am satisfied. She also initiated a Dispute for me ( which was a mistake ). 

If anyone has a problem with miscommunication at NFCU ; I would suggest they go see XXXX XXXX XXXX XXXX. She is as kind as she is well versed in her job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX Account # 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 2020-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
On XX/XX/2020, Portfolio Recovery Associates, LLC add a derogatory mark on my credit report XXXX, XXXX, and XXXX, Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Portfolio Recovery Associates, LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is my second attempt to ask for help this company was asked to complete a dispute on numerous occasions. I sent in proof of no investigation because this company did not update my report so how could they in fact verify any information on my credit report please hold this company accountable.XXXX account number-XXXX last reported date was XX/XX/2023 so this company in fact did not follow rules under FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner.

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 2018-04-25
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 had opened a secured credit card in XX/XX/XXXX and I decided to close the account and paid the balance in full {$190.00} in XX/XX/XXXX. After that I disputed the debt because the unpaid balance of {$18000.00} appear in my Credit Reports. I tried to validate the debt two times and they were not providing the details. I dont recognize the purchase transaction that happens in XX/XX/XXXX, and other unexplained transactions that appears after that. 

Also, I want to mention that after the account was satisfied they started to accumulate late fees until XX/XX/XXXX that results in the balance of {$18000.00}. 

I initiated an investigation and in XX/XX/XXXX then Citi sent me a letter receiving the dispute, but until today I have never received an explanation about the transaction details. After that some communications were sent and calls done but were not successful to resolve the issue. Last call was done in XX/XX/XXXX and they said they can not retrieve any history and they didn't have the transactions in their systems. Instead they are asking me to provide the documents. 

Under my knowledge I paid the account in full in XX/XX/XXXX and I have never received the {$200.00} secured deposit.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2020-12-29
Company: Persolve, LLC - Legal - Series 2
State: IL
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:
On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were INNACCURATE. Under federal law, you have thirty ( 30 ) days to complete your investigation. It has been well over 45 days, almost 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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:
This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion lately has been following the poor practices of the other bureaus. Disregarding valid disputes and indisputable evidence supporting my disputes. The FCRA laws are rarely followed and investigations are completed without any proper investigation, nor are they able to furnish any documentation supporting their position. I I have tried many times to correct the following issue with TransUnion which they continuously state my dispute is " verified as accurate. '' It is absolutely NOT accurate and they need to delete this fraudulent record immediately as I will be forced to seek legal assistance if they do not address after this attempt at resolution : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$130.00} Status Date : XX/XX/XXXX Account Number : # # # # # XXXX This debt does NOT belong to me. I contacted the data reporting agency who confirmed the SSN, DOB and personal address information was indeed not mine. The agent assigned to this account assured me that this matter was closed and I should not worry about any adverse reporting activity appearing on any of my credit reports. 
When the fraudulent tradeline showed up, I immediately contacted the agent who lied to me about closing out the matter. This time he told me that it was reported in error and he had already notified the appropriate department for removal. To date, the fraudulent tradeline reports only on my TransUnion report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello I am filing this claim because I've noticed something unusual when I recently reviewing my credit report. Its implying that I have something in collections by a company named of Midland Credit Management. I have no idea of what it is and why it is on my report. I was made aware of this information on XX/XX/2023 and I do not need anything affecting my credit while making any worse than what it already is. I have absolutely no knowledge of who this company is by the name of Midland Credit Management at all. I want proof of who this company is and not some random bill that can be from anywhere due to fraud, which I have been a victim of before. I have never received anything from this company nor do I know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Rash Curtis is attempting to collect for medical collections on behalf of Original creditor XXXX XXXX XXXX XXXX where I was never a patient and have no debt to them. I contacted both entities with no luck .... now rash curstis is calling my work, home even my ex 's household threatening to arrest me if I didn't pay these collections. original creditor could not find anything in my name and could not validate the ownership of these collections ... it is damaging my credit big time and my reputation. I almost lost my job because of these calls and false allegations. please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
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:
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-10
Company: General Motors Financial Company, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
GM Finanacial put a 30 day late on my credit report for XXXX of XXXX The company I work for pays the payment and they have stated that the payment was made at the same time every month as normal however the mail delviered it late or GM Financial processed late. 

In addition, GM Financial did not have the correct phone number on my account and I had called in two separate times to make this update and they did not update even after they had already reported this late payment I had an XXXX  score prior to this. I have never made a late payment in my life. 

Please take a look at this and help me. GM Financial is so difficult to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
A number of major accounts paid XXXX balance which do NOT REFLECT ON OUR CREDIT FILES. THAT IS MINE AND MY WIFE 's. Some of the lenders do not report for 30, 60 or more days. Meanwhile our credit score does NOT REFLECT the correct debt to income,, or paid status on negatives and current loans... paid! According to XXXX my score XXXX although other lenders report 30, to 50 points lower. The entire operation in my opinion a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 2023-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2023 I received an email saying that a Bank of America checking account was opened in my name. I did not authorize that are open that account. It seems whoever did this has all of my information including my full name, email address, and Social Security number. I called Bank of America and had that account closed. I received that same email Monday morning, XX/XX/2023 saying that another account was opened in my name. I called Bank of America again and have that account closed. I also contacted the credit bureaus to put a freeze on my credit.

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 2020-10-01
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased a dishwasher from Best Buy. It was supposed to be on a payment plan plus free delivery and installation. The dishwasher that was delivered was the wrong one- it has a handle on it ( location in the kitchen is in a corner ). I have to have a dishwasher with a flat surface- no handle. Best Buy sales clerk ordered wrong dishwasher- Best Buy refused a return. I'm now stuck with dishwasher that I have to remove handles off cabinet doors to install and use dishwasher. I filed a dispute- received a letter stating I would be credited {$720.00} for the dishwasher. Now Best Buy says they were wrong, I'm liable for charge, one even said I wasn't reading the letter correctly. I even opened a second investigation- never heard back. Also - the installer damaged my home - he left - I had to have a plumber ( local ) install the dishwasher and Best Buy ( after many many phone calls ) agreed to pay {$200.00} of the {$220.00} charge and mailed me a check. Best Buy insisted I purchase an installation kit for ( roughly ) {$30.00} - my plumber said that was fraud, not needed, didn't use kit and I returned the kit for a refund to the card. Best Buy is insisting both of these refund amounts ( {$230.00} ) is towards the dishwasher- I am liable for the rest.

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 2018-04-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Around the time of XX/XX/XXXX-XX/XX/XXXX I had experience fraud or scam activity on my account which were mobile deposits of {$470.00} ( Honestly forgot the amount but I do know it was 4 something ). I called Wells Fargo to figure out where was the activity coming from and they said they would help figure out where it would be coming from. The accountants at the Wells Fargo brach asked if I shared my mobile banking info. My Answer was No I NEVER do that. I knew something was odd about it because no one ever sends me mobile deposits but my Uncle & when he does transfer me funds it says his name, implus he barely sent money to me around this time. When I saw the weird amounts pop up I automatically gave my bank a call. Ive had them for months & experiences horrible service from them, there would always be money talking out and much more. Just would like this situation resolved.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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