BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting 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:
For months now TransUnion is not allowing me to access my report online, once Im logged in it does not show me any information other than my name. I am also unable to freeze my credit score and it tells me to call, when I call the automated system says something along the lines of not being able to help, goodbye. And hangs up. This has gone on since XXXX regularly! Not being able to access my own credit report, or freeze it when I need to has caused detriment to me as a consumer and crippling my ability to get a credit card, auto loan or do anything I need to as the consumer in my own consumer report. I understand some technical errors happening now and then but this is everyday for 5 months. At this point something sketchy is going on and obviously not technical error. This needs to be fixed immediately and I need to be able to w my own credit report at my convenience.

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 2023-08-11
Company: EQUIFAX, 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:
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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Colony Brands, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2023 the company Monroe and Main showed up on my credit report. I had never heard of this company before nor had I opened any accounts. I called the company and they stated that they had my name and information but I showed no order history and had a balance of {$0.00} owed. The company reported on my credit that I had a credit limit of XXXX $ and owed XXXX XXXX The company assured me that it was their mistake and had closed the account and had requested to the credit bearues to take the account off. Still the account is on the reports and whenever I try to dispute it the company is saying the information is accurate, when in fact it is not accurate at all. I just contacted the company again a few days ago and they are telling me still they made a mistake and have requested it be taken off. The beareus are still stating they have not made any requests and the company is still yet reporting the same fraudulent information. I also contacted the XXXX  and the company even stated through those messages that the information is inaccurate and they would fix. I am still having to fight this and it has ruined my credit by XXXX points down and my credit age and payment grade are terrible because of this one company 's false reporting. I am at a dead end and have no idea what else to do but to get a lawyer and sue the company for fraud and defamation of character. This has caused me alot of stress and financial anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions 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 have an open unpaid collection account XXXX XXXX XXXX.. the statue of limitations has past from the original creditor. i provided proof of the timeline by submitting copy of the last payment to cash central on XX/XX/2016, which clearly shows that this collection account should be removed. i requested a review of the dispute and the item remains on my credit report. i would expect them to provide some type of proof that would allow it to remain. 

i have made several attempts to have this item removed and have no other options but to file a formal complaint.

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 2021-07-14
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was approved for {$50000.00} SBA Loan and the money was sent to Apple Bank on XXXX XXXX during the same time Apple Bank was being fined for {$12.00} XXXX by the FDIC and I believe they was it out on me with unjust actions. 
I had to close my office in XXXX XXXX XXXX because of the covid pandemic and I referred all my mail to my UPS PO box which is located 100 feet from the Apple bank that I opened my account with on XXXX XXXX NYY. 
I told them I had to close my office due to covid and me and my staff are working remotely from home, all was fine Then a fe days later they said they are closing my account because it looks like fruad, I said all of my company registration is with my mail box address right up the block at XXXX XXXX XXXX XXXX, ny XXXX even my License which i gave them has that address, I told them we are working from home temporarily like everyone else, I had to close my office because of the pandemic, They said this looks like fraud we have to close your account, They held my {$50000.00} loan money over 22 days and verified that it's mines, THEY TOLD ME THEY ARE GOING TO CUT XXXX BANK CHECK FOR THE MONEY AND CLOSE MY ACCOUNT. But they instead SENT MY MONEY BACK TO THE LENDER AND CAST A NEGATIVE LIGHT light on me like i was doing some king of fraud and the lender Revoked my loan and that caused me a lot of damage.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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: 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 2023-08-11
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to take immediate action to correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: M&T BANK CORPORATION
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am filing this complain against M & T Bank which has filed a late payment with XXXX credit card bureaus. In 2013, My employee stole my credit card and used it. I was not aware of theft until I received a past due bill from M & T Bank for {$410.00}. I paid this bill as soon I realized that my credit card used by him. Despite many pleas to the bank to remove late payment from my credit, they have refused to do. It has been four years since this late occurrence, my credit has been damaged by one single late payment. Bank was sending minimum balance, however, I paid the entire balance. I will ask you to have bank remove this late payment. Because of late payment on my credit, i can not refinance my house or buy a car.

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 2015-12-18
Company: Northeast Receivables Management, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Left me a voicemail, then left voicemails on both of my brother 's phones, at XXXX Pacific time. They are claiming I am attempting to defraud XXXX from an account that was allegedly opened in XXXX. Even if I did have that account, which I can not recall, I had a bankruptcy in XXXX, and all debts were cleared. The number they called from XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-29
Company: Paypal Holdings, Inc
State: TX
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 used my PayPal credit card ( issued through XXXXXXXX XXXX  ) to purchase an XXXX XXXX from XXXX XXXX ( Pay Pal Invoice ID is XXXX. Transaction ID XXXX ) on XX/XX/2023. It cost {$380.00}. I returned the watch to XXXX XXXX. They issed a refund on XX/XX/2023. The original order number with XXXX XXXX is # XXXX. Paypal did not give me a refund. I filed a dispute with Pay Pal Case ID : XXXX. Pay Pal has not refunded my money at this date. I am unable to contact them to discuss this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 XXXX, someone did a wire transfer from my Bank of America Checking Account to an account in XXXX , XXXX for {$930.00}. I checked my bank account around noon on that day and called my bank immediately and reported it. I was told that it would take up to 10 days to investigate and that they could not provide me a credit for the money taken.

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 2023-12-29
Company: Continental Finance Company, LLC
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was checking my credit report today and noticed several accounts I don't recognize. Celtic Bank Continen being one. I didn't open this account. I believe my older brother did it in my name.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2023 I sent out my letter, I told the credit bureaus to " investigate every piece of information '' on the accounts listed below, I even went as far as pointing out factual discrepancies on my report. Also I have attached the letter I sent them here is the Tracking # for Experian : XXXX. 
Tracking # for XXXX : XXXX Tracking # for XXXX : XXXX When looking into what the FCRA considers to " investigate consumer report '' it shows the credit bureaus did absolutely nothing following the FCRA. " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. I stated the inaccuracies directly from my report Accounts : XXXX BANK 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 2022-09-29
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 have already sent you a complaint previously to inform you that I am a victim of identity theft. I have also sent multiple letters to the credit bureaus regarding this and I have not received any response from them. I have recently checked my credit report and I noticed that the item that I have previously disputed is still reporting on my credit report. The negative items listed below do not belong to me. I am in need of your help in removal of these items from reporting on my file. I will include here the copy of my identity theft report together with the letters that I have sent to the credit bureaus and some documents to help in the deletion of these negative items found on my report. 

XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-10-25
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX i checked my onlline banking with Truist. It was overdrawn {$320.00}. They had charged me for 6 overdraft fees for purchases i had made on XX/XX/XXXX. On XXXX i had balance of {$130.00} on XX/XX/XXXX i made 4 purchases ( XXXX ) {$45.00} ( XXXX ) {$20.00} ( XXXX ) {$27.00} ( XXXX ) {$17.00} this left me a balance of {$22.00} .On XXXX i made 1 purchase of {$22.00} my balance was {$0.00}. I went to XXXX XXXX and overdrew my account {$140.00} expecting a {$36.00} dollar overdraft fee. When i checked my account on XXXX XXXX truist had charged me over draft fees on all the purchases i have just mentioned. Even though the money was there to cover every purchase except the purchase at XXXX. Which i take full responsibilty for and was expecting. Truist wants to tell me it was because the transactions were pending even though the money was taken out when i made the purchases i am being charged for. They tell me Sorry nothing we can do. So i am paying {$180.00} in fees that the money was there to cover. They blamed it on the business that i made purchases from.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing this complaint to inform your department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5800.00} This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2023-03-27
Company: EQUIFAX, INC.
State: NJ
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 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 explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-11
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
CB/LNBRYNT THIS ACCOUNT WAS PAID IN FULL CLOSED. NOT BALANCE OWED KEEPS SHOWING ON REPORT NEVER COMES OFF I WANT IT REMOVED FROM REPORT I DON'T HAVE ANY DEBT WITH THIS COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and TransUnion are continuing to report the account XXXX XXXX XXXX XXXXXXXX on my credit report when XXXX XXXX XXXX  informed me that they have contacted the credit bureaus to have them remove the account. XXXX is the only credit reporting agency that has removed the inaccurate account. Please see the attached letter that was sent directly to XXXX XXXX XXXX  which is dated, and time stamped. XXXX XXXX has done their part, so if this is not immediately removed, I will be seeking legal action against XXXX and 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 2023-02-06
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
HI, I have submitted Cheque of XXXX $ on XXXX to XXXX XXXX XXXX.Cheque was cleared on XX/XX/18 .do n't have details when Apartments guy deposited in Bank.Amount of {$78.00} was shown as collection which was false collection, I disputed it with XXXX XXXX XXXX and Equifax with prooof of Cleared cheque.Except Equifax XXXX and XXXX has removed the collection from Credit report.I have presented the same argument and evidence to Equifax XXXX they refuse to remove the collection saying that Deletion letter should come from Collection agency -XXXX .I have applied for Mortgagee loan and my Closing is on XXXX.Incorrect collection showing in Equifax report is impactiing my Interest rate and PMI insurance to go up.Request you to look into this case asap, so that Financial loss incurred due to incorrect collection can be taken care of.Meanwhile I am working with XXXX and XXXX XXXX XXXX for collection removal but their response is very slow.Request you to look into this. 
Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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:
I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX Balance Owed : {$8900.00} XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$2700.00}

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 non-monetary relief