BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
When you apply for a new loan or line of credit, a hard inquiry may appear on your XXXX credit report. Hard inquires are made by lenders and may negatively impact your score. XXXX makes a soft inquiry, meant for consumer education. Soft inquiries may appear on your report, but they do NOT impact your score. Below are all of your inquiries. 
Creditor Name Inquiry Date Type XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Department & Variety Stores XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXX XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XXXX  XX/XX/XXXX Automotive XXXX XXXX XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XX/XX/XXXX Finance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: CA
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 report 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 section 2 : it also states a consumer reporting agency can not furnish an account without my written consent

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 2023-05-18
Company: Experian Information Solutions Inc.
State: MI
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 third 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, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Balance : {$880.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$99.00} XXXX XXXXXXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$880.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$99.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/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 2023-05-18
Company: Experian Information Solutions 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:
I complained on XX/XX/XXXX, to dispute the erroneous items in my file, this complaint will serve as a follow-up to ensure that the items are deleted as soon as possible. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 2021-12-22
Company: Experian Information Solutions Inc.
State: VA
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 am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

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 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

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 2023-10-04
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-23
Company: EQUIFAX, INC.
State: GA
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:
Unrecognized hard Inquiries that I didnt authorized. Went to a dealership they ran my credit multiple times without my approval. 
I wan na delete these Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The [ cra ] is reporting my name incorrectly. The name the credit reporting agency is reporting is the XXXX XXXX XXXX name which is registered with the Commonwealth of Pennsylvania, However I XXXX, XXXX XXXX am the owner of that Trust account. 

Please correct your records to reflect my correct name I am a natural man [ XXXX, XXXX XXXX ] owner, and Interest holder. Attached i have provided document proof of my claim. 
I do not posess a " last name '' or " first name '' -- It is disrespectful to my ancestors to refer to them as as Last! 
Please do not ever disrespect my family, and update your records. 

15 U.S. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2019-03-24
Company: BANK OF THE WEST
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I am a XXXX XXXX of XXXX XXXX XXXX XXXX, my LLC name is XXXX XXXX, XXXX. I had taken a loan with XXXX XXXX XXXX In XX/XX/XXXX for {$670000.00} in order to buy out my business partner. I loss my business XX/XX/XXXX because of the CampFire. My insurance does not cover the loss of my mobile home park and the bank still wants their money, although they did deferred payments. For the past 4 months they are still charging me and adding on to the loan over {$2800.00} each month for interest. I have no income and my only source of money is my Social Security which doesnt pay very much. I NEED HELP! This is been a national disaster here in California and now the bank has continued to charge me almost {$12000.00} extra added to my account which I think is very unfair. Ive talk to XXXX XXXX vice President of Bank of the West and he refuses to help me in this matter. I want to pay off the loan due, but due to the debris and contamination of the property, I can not sell it or find a buyer until its been cleaned up which could take a few more months. Most of the town of XXXX has been destroyed from the worse fire in California. Please help me. 
Thank you, 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 2023-02-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX  Date of inquiry : XX/XX/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 2021-12-22
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: Investigation took more than 30 days

Complaint:
Hello, I have been reporting unverified information on all 3 credit buraus, It has been several months and i have no heard anything or have gotten any response via email or address included in all 3 letters per bureau. I have significantly been affected by these unverified accounts and a violation of section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) has been breached. I had asked that all information be verified with proofs. I also Adked that addresses that do not belong to me be removed within 30 days. they are still on my credit and are affecting me significantly during this Epidemic, causing me to lose my home being i could not find get financial assistance due to poor credit history. I have mailed all 3 letters and kept track of dates and letters via a laptop in which i will attatch to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts on my credit 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 2023-05-20
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:
Dear CFPB : Credit bureau Transunion allegedly verified all accounts positive and adverse within my credit reports as " accurate '' in year XXXX and part of XXXX. A complaint was filed and some of the negative information was deleted. However, Transunion has failed to comply with request after request to update several accounts to positive or delete the accounts since the alleged accounts were " verified '' under a different consumer 's name. 

After failed attempts to resolve this matter with Transunion, I respectfully submit a request here asking you to notify Transunion to remove the following accounts that were " verified '' as " accurate '' during their investigations for over a year now. 

Please update 1 : XXXX XXXX XXXX # XXXXRemove late remarks and update the account to a positive status. 
2. XXXX XXXX XXXX This account was never late and was paid in FULL. Please remove the derogatory status off this account. 

Failure to comply, we will seek monetary damages of {$1000.00} per the FCRA against your company for the willful and negligent reporting of my information under another consumer 's name ( XXXX XXXX XXXX. 

I am attaching supporting documentation to support this claim. We also seek a resolution to matter to be concluded within 15 days. No exceptions. 

Respectfully submitted, 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 2023-02-13
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Hi I have a complaint about American Express serve. I had to Oder a replacement card as mine was damaged upon doing so I have received my card but now the keep telling me that my account is under review it would be 1-2 business days and this was on XX/XX/XXXX I called again today XX/XX/XXXX and was told that they would send another email to the investigation team that they still have not received any fees back I just want to be able to prove its me trying to use my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I never have been to inphynet XXXX XXXX XXXX or any of its doctors in my life and I apparently owe them XXXX dollars I try to contact them and it is impossible no contact info. I googled them and most of their reviews say they have been scammed by them and are getting a report from their credit despite never receiving a letter email or any correspondence. I would like this removed off my credit report thank you

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 2021-06-01
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was selling computer on XXXX marketplace and I was notified by potential buyer asking about the item. Asked if I had XXXX and said yes But Ive never used it before. He walked me through it and told me that hes going to send {$2000.00} and to send back XXXX. Due to security of XXXX and not enrolled in business merchant. I did not think it was fishy at the time. So I sent XXXX. And I got an email from now that I needed to send another XXXX. Thats when I realized I was being scammed. I have all his info and the emails supposedly sent by 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 2023-10-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} ; XXXX XXXX XXXX XXXX XXXX  {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$350.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} ; XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
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:
In accordance with Fair Credit Reporting XXXX XXXX account number beginning in XXXX, have 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 : Also states a consumer reporting agency can not furnish an 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 2021-12-22
Company: TD BANK US HOLDING COMPANY
State: CA
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 several occasions, TD Bank has debited the largest transactions before the smallest or before crediting deposits. This maximizes the overdraft fees that they charge. This time, I transferred money from XXXX and XXXX using their instant transfer service. The funds showed in my available balance and my debit card purchases were processed without incident. Today, XXXX-21, I was charged an overdraft fee. Looking at my bank statement, I see that, even though the funds showed in my available balance and my transactions were approved, last night, the bank processed my debit card charges before crediting my account with the automatic funds transfers. I called the bank to inquiry and to ask them to reverse the charge. They refused stating that during the weekend, they always process the debits before the credits. I asked to speak to a supervisor and someone identifying himself as " XXXX '' told a different version. He stated that the debit card purchase was actually a subscription purchase so they always let them go through and charge a fee. My transaction history shows this to be false. He stated that the payment went through on the XXXX. My transactions show the XXXX. There was a class action. There were CFPB orders. They settled and went right back to stealing from people. When is someone going to step up and stop this?? It's XXXX and this billion / trillion dollar bank is stealing from single parents and hardworking people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX 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