BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
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: Account information incorrect

Complaint:
I sent a letter documents XX/XX/2022 to all the credit Bureaus asking them for verification on the debt on my report. They have sent back physical documents stating that all the information on the report is verified and is correct. Unfortunatley my credit report is still showing inaccuratcies with obvious proof through my XXXX profile which I can provide and if I need to fax over or email the physical documents I received from the bureaus about this matter. 


*15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
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: Information belongs to someone else

Complaint:
XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account in my name with XXXX XXXX, especially a small loan with XXXX nor was I aware that an account was ever opened in my name. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.

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 2020-11-25
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I was in hospital for less than 3 hours for check up got let out gave them a XXXX XXXX insurance I have not received any mail due to me being homeless living in a RV then moved to XXXX I then moved back to XXXX  in XXXX as soon Covid then hit the United States in the year XXXX all the way to the present year of now XXXX it has now been cleared up. I was then hit with a collection it has dropped my credit score XXXX points I have not had the best experience with the California businesses bureau  as they threatened me and my credit Score, I asked them why they have sent me to collections in a five year span and the response from them was disrespectful and didnt help me whatsoever, the lady told me from California businesses bureau that they did me a favor and held it till the date XX/XX/XXXX. That is unprofessional and costed me a major drop in my credit after I been trying to make it better this whole collection came out of know where. With this being said the California business bureau wants me to pay {$1400.00} dollars Im still struggling and I would like this collection checked out and deleted off my report and would like a new credit report showing the removed collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Was not notified of investigation status or results

Complaint:
When I searched for my name on the Internet, I discovered that some of my personal information was being utilized without my permission. My information was acquired by an aggregator website, which advised me to check the website 's FAQ section before contacting approximately XXXX separate websites. I felt humiliated by the fact that I had to request that my belongings be taken, as I value my privacy. I discovered unauthorized fraudulent accounts on my credit report ; I would like these accounts to be removed and rectified. Remove all fraudulent and negative accounts from my credit report. This has impeded my capacity to obtain credit. I am making every effort to regain control of my life. Please help me eliminate all fraudulent accounts. Please inform me of any additional steps that can be taken to remove these accounts from my 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 non-monetary relief
Consumer complaint received 2018-10-05
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used to XXXX service through Wells Fargo to transfer {$180.00} for tickets and was scammed. I contacted Wells Fargo and they said there is nothing they could do. Im so disappointed, because I wouldnt even have used this service if I knew my own bank wouldnt back me up. This happened today XX/XX/2018

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 2021-10-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNTS LISTED BELOW NEED TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX Balance : {$660.00} XXXX  XXXX Balance : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Huntington bank teller advised submitted ticket for atm deposit issue on XX/XX/2022. Teller advised funds would be placed into account by this morning ; XXXX XXXX. I called Huntington ( XXXX ) XXXX because none of the branches answered the telephone. The only option was to leave a message. When I called yesterday XX/XX/XXXX at XXXX, I requested the procedure for a ticket and the ticket number ; teller at the branch advised no ticket number available. I advised my concerns because this branch on XXXX XXXX lost my drivers license previously. I called Huntington again this morning XX/XX/XXXX at XXXX regarding no funds placed into my account. I was advised the funds would be placed into my account later in the day because it takes 24 hours to process. I called again later today at XXXX regarding status of ticket. I was advised funds were supposed to be released into account but werent. Customer service representative advised manager stated funds will be processed Tuesday. When I requested the procedure/process ; no answer. Just have to wait for the bank to release a cash deposit whenever they are ready.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19
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:
Hello, I stayed in a hotel in XXXX, OH in XXXX of 2021, despite my digital receipt stating " breakfast for 2 is included in my stay '' it actually was not, I made a purchase on a third-party website it's called XXXX just prior to coming and addressed my disappointment to a front desk clerk who stated that information on what's included and what's not is often updated on a hotel website and this site XXXX failed to do so, he advised me to contact XXXX to resolve an issue. It was late night and I decided to email them expecting to receive a response by the next morning when I wake up but I never got a response. I did in fact email them 3 times but have gotten absolutely no response. Upon coming back to XXXX XXXX XXXX I felt really offended by them ignoring me and filed a dispute with Best Buy Credit Services who were requesting more evidence I even provided them with the hotel address and telephone for them to ensure I'm telling the truth but at the end, they said they can not recover money now because it has been too long.

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 2023-10-31
Company: EGL US, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
There was a Debt on my credit report in which i reported & it was removed. Since i have been Getting calls back-to-back Threats of me getting sued of the inaccurate debt. Now the debt is once back on my credit. To my understanding once a debt has been removed it shall not be once added back to my report, please look into this & remove this debt once for good. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Checkr, Inc
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Checkr is falsifying records and using false information to defame me as well as XXXX  loss of employment and pain and suffering due to claiming a traffic violation, which was reduced to a parking violation by the traffic court, is an open and pending misdemeanor. There is no misdemeanor on file nor is there any misdemeanor charge pending or past showing on any record from the state of Nevada or XXXX XXXX. Checkr is using a falsified filing to hinder me and attack me personally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Barclay 's Aviator card has very strict late payment policies to the point that even if a payment is one day late, they will report it to the credit bureaus as a late payment. I pay my accounts on time almost always, but sometimes life happens and I forget although I've set up several alerts so it doesn't happen. I thought most companies did not report a late payment until it was 30 days past due, but Barclay 's will report it even if it's one day late. I am happy to pay late payment fees when I make a mistake but getting a hit to my credit score and credit report is quite damaging when I work so hard to keep my score up. This company does not seem to be consumer friendly in this regard. I'm unsure if anything can be done but I feel these business practices are quite nefarious considering that their policies are the exception, not the rule and consumers should be allowed at least a 10 day grace period, if not the full 30 days to rectify their oversight. Once I realized it was late, I paid it in full... it was such a small balance to begin with that the reporting to credit agencies seems quite extreme.

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: SLM CORPORATION
State: GA
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:
Ive disputed this fraudulent loan for years now, the loan is reported on my credit report with my SSN # and address but is not in my name. Its in my Deceased fathers name who had already passed away when the fraudulent loan was taken out in his name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have spoken to Lowes XXXX Credit Card about updating my telephone number several times and they refused citing they need to verify my identity thru the mail. I called several times and my telephone was updated on my account however I can not access the website to change my autopay because the old telephone number is still coming although credit services has my new number. I called again today for the XXXX time and a representative advised she has deleted my account profile and for me to go back in and register my credit card again so I can make updates to my account. Unfortunately, it did not work the site is advising I am already registered. So frustrating no one can help me. I would like to update my monthly autopay and can not Lowes XXXX credit card is holding me hostage and provides the wrong information. I am paying on the credit monthly.

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 2019-06-15
Company: EQUIFAX, INC.
State: UT
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:
In approximately XX/XX/XXXX, I received information from Equifax that an old account from XXXX XXXX with a open date of XX/XX/XXXX was scheduled for deletion from my credit file in XX/XX/XXXX. So far, this item remains on both of my Equifax and XXXX credit reports. 
I attempted to file a dispute through XXXX XXXX with Equifax regarding this item. I began at approximately XXXX XXXX on XX/XX/XXXX. I filled out my information, and received a message that the system would be unavailable in XXXX minutes for " nightly maintenance ''. 
I also saw an " OK '' button that when clicked, did nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: AMERICAN EXPRESS COMPANY
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020, AMERICAN EXPRESS add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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:
Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXXXXXX 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 2022-07-06
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
My account status on my Transunion report currently shows that the account is deragatory. However, this account has been paid off since XX/XX/2021 and should reflect closed instead. 
Acct : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: IL
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:
N Accordance with the Fair Credit Reporting act convergent Account # XXXX / XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXXt XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX US Dept Of ED Account # XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX US Dept of ED Account XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Bull City Financial Solutions, Inc
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Bull City Financial is continuing to report a item on my XXXX report that is fraudulent. The item is currently under investigation with the FTC, yet Bull City is still attempting to break FCRA guideline by reporting the fraudulent item on my XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I started using a Goldman Sachs Savings Bank account through my Apple Pay account. I have linked XXXX different accounts that I had money in to move money. Doing this I had to provide the information and verify the accounts through Micro Deposits. Recently I have tired to add a beneficiary on my Goldman Sachs bank account and I was DENIED doing so becuase I did not have my mother and fathers SSN. Because of this I made the decision to move my money from them. I have set up a new High yield Savings account with XXXX. Went through the same process to link my bank account with them and then initiated the bank transfer. Goldman Sachs has denied the transfer and has said I need to verify the account. I told them I have already done this. They said in their savings agreement it states that we need to call the bank on 3 way so they can confirm this is my account. I had spoke to 4 or 5 different people and no one can show me any agreement that shows this. They have directed me to the following part in the agreement. 


" To link an external account, you must provide proof that the external account : ( i ) is a deposit account held at a bank located in the U.S. or U.S. Territories ; ( ii ) is an account in which you have full right and authority to the funds ; ( iii ) is not a trust account ; and ( iv ) is owned by you. You may not link a business account. We may restrict linking to an external account at specific financial institutions. You authorize us, our agents, and service providers to verify ownership of the external account. '' I have provided them all the information need to cover all 4 areas. After being argued with for hours. I said that this is not right and I will be reporting them. I said I will do the call and told them the only 4 things you can ask are what is in the terms an agreements. The gentleman put me on hold for about 5 minutes and came back and said that he will need to get more information than those 4 items listed above. I told him according to the terms and agreements they do not and I will not authorize my bank to give them more info. he said then he will not be able to authorize and/or initiate the transfer. 

Goldman Sachs is Denying me to move my money to the where I need it to go and this needs to me handled immediately

Company response to consumer: Closed with explanation