BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.Medical XXXX Balance : {$95.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00}

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
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have attempted NUMEROUS of time to have this issue resolved... I noticed a couple months ago on my report, numerous of UNAUTHORIZED credit inquiry 's that WERE NOT solicited by me on my report.. I sent physical dispute letters on XXXX different occasions on XX/XX/XXXX, XX/XX/XXXX and A XXXX attempt on XX/XX/XXXX. The response I was given is that they are " investigating '' to verify the information every time and it resulted in the erroneous items still staying on my credit report and negatively affecting my score when I clearly stated such items were unauthorized and inaccurate. It has been well over 30 days since my initial dispute of this inaccurate information. Per the Fair credit reporting act companies have 30 days to conduct their investigation once that time has passed and the information can not be verified they have an obligation by law to remove it and once again NOTHING HAS BEEN DONE TO RESOLVE THIS MATTER. 

Both XXXX AND TRANSUNION are violating the Fair Credit Reporting Act and my rights as a consumer. 
This is my final attempt before taking legal action to seek damages and exercising my rights as a consumer because there is a clear violation of FCRA 15 U.S.C 1681. 

TRANSUNION INACCURATE REPORTING : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXXS, XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX  XX/XX/XXXX

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 2023-11-09
Company: Experian Information Solutions Inc.
State: MD
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 never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records. ''

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 2023-08-09
Company: Experian Information Solutions Inc.
State: OH
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:
Consumer bought a vehicle in XXXX that was repossessed in XXXX of XXXX. In XX/XX/XXXX the vehicle was sold at auction and then the remainder was charged off ( co ). The company continued to record a co every month until I filed a complaint in XX/XX/XXXX after receiving a settlement in the mail from a civil case the consumers won against XXXX. Case attached. The company stopped reporting the negative information once I filed a dispute. But they did not fix the 3 years of monthly negative information prior to the dispute date. Consumer would like the report corrected back to the date of the erroneous information being sent. Once the balance is ( co ) the consumer no longer has an account with XXXX, therefore they should no longer be reporting any information. 

Also because of the lawsuit XXXX and XXXX no longer records information from XXXX on credit reports.

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 2023-07-26
Company: Bread Financial Holdings, Inc.
State: FL
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:
Over tree months ago I made a purchase at the Victoria Secret store in XXXX of {$160.00} I paid {$100.00} with the gift card, and the rest with the Victoria Secret Credit card ( XXXX XXXX XXXX XXXX ) When the balance arrived it says I that owed {$160.00}. I called the bank and they direct me to call Victoria Secret. Which I did. After reviewing the transaction and the gift card number they figure that their teller never applied the gift card. They told me not to worry and that they were going to apply that gift card toward the credit card balance. Because the due day was close, I made the payment of {$60.00}. But, I month went by and I am seeing the new statement balance with a debt of {$100.00} ( 100 + interests ) I called 8 times to Victoria Secret and the bank. They said they don't know what happened, and offer no further solution other than having to pay that credit card balance. The Case # XXXX date XX/XX/XXXX. 
Feeling helpless I made the {$100.00} payment. But guess what? I received a new bank balance of {$100.00}!!!!! I checked, I there is no transaction made on the statement. This is PURE ROBERY.

Please help me. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: OK
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:
I was alerted that someone attempted to open an bank account in my name in XXXX XXXX, TX but I reside in XXXX, OK. I did not attempt to any new account. 

I immediately place fraud alert and Freeze on Equifax, XXXX and XXXX. No one is to view my report and I have not submitted for any credit or new accounts since XX/XX/XXXX. 

On Monday, XX/XX/XXXX, I received an alert that someone attempted to use my name or applied for an account with XXXX, I did not authorize such transaction and this was not me. I immediately submitted a dispute to Equifax on XX/XX/XXXX stating this was fraudulent inquiry. They have stated that this is accurate and will not remove the inquiry from XX/XX/XXXX. This is not accurate, I did not submit or authorize my file to be reviewed as it is frozen and fraud alert has been placed on my file. 

I request removal of XXXX - XXXX XXXX XXXX XXXX XXXX GA XXXX from my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
EXPERIAN AND XXXX XXXX..REFUSE TO EXCEPT MY DISPUTES. EXPERIAN REFUSES TO DO THERE JOB CORRECTLY VIOLATING MANY LAWS
Account name
XXXX
Account number
XXXX
Account name XXXX XXXX XXXX XXXX
Account number
XXXX
Account name
XXXX
Account number
XXXX  Account name
XXXX XXXX XXXX XXXX
Account number
XXXX  Account name
XXXX
Account number XXXX
Account name XXXX XXXX XXXX XXXX
Account number
XXXX
Account name
XXXX XXXX  Account number
XXXX  ACCOUNT NAME 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 2021-06-17
Company: Lending Club Corp
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I took out a personal loan with LendingClub before the XXXX and was paying {$170.00} approximately every month. When the XXXX hit, I was affected and immediately let LendingClub know I am having difficulty making my payments. The best LendingClub could do for me was split my payments up as {$86.00} and {$86.00}, still paying the full amount each month. It became a hardship and I requested they give me an extension which they denied many times. Due to the hardship, I became late on my payments by 3 months. During this time I still attempted to call LendingClub to request an extension. Recently, as things are improving with the economy, I sent LendingClub a letter requesting how we can settle my debt. They did not respond and two days letter " charged-off '' my account. The indicated it was charged-off in XXXX, but I didn't receive notification until XXXX. 

I called LendingClub asking why they charged it off and how I can pay off my balance. LendingClub stated the account hasn't been sold to a debt collector yet and is pending. I offered to pay off my loan in the amount of {$2500.00}, the amount actually owed without them adding their interest and late fees. LendingClub agreed to the settlement, however they want to mark this on my credit report still as " charged off - settled in full. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Paypal Holdings, Inc
State: MT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I want to complain about PayPal lying to me without resolving my issues.

Whenever I want to link my card to withdraw my funds, it says " there is a problem wrong with my account asking me to contact customer service for help ''.

When I contacted customer service by sending a message by logging into my PayPal account, they do not respond to resolve my issue for more than a month now.

The 180 days hold expired since last month but I can not withdraw my funds due to PayPal not allowing me to add me card, I have bills to pay.

It is Worthy to note that in my similar complaint to the office of California Attorney General last month with complaint number XXXX, a PayPal employee by name XXXX XXXX responded and lied to me that she had made adjustment for me to be able to add my bank or card to withdraw my funds, and she further stated that no errors occurred when handling my account. Such is a big lie and I would like to sue her for lies. 

After she responded and said no issues were found, I tried to link my bank and card but the same error occurred, which means she lied to me. 

I have also contacted PayPal ok XXXX explaining the issue to them about the lies and a customer service representative by name XXXX said she had escalated my issue to a specialist to resolve it and said all requests are handled in the order they are received. Since then I haven't heard from PayPal and it has been weeks.

PayPal purposely ignored me and they lied that my issue has been resolved when it has not. I believe PayPal is run by unprofessional people and they need to conduct further retraining of their support teams so as to know exactly what customer issues are and how to resolve them. 


I need a specialist to handle my issue so it can be taken care of properly since XXXX XXXX showed her unprofessionalism by lying when she didn't even do anything to resolve the complaint I raised, I wish she could be retrained further as she sounds so XXXX  and unprofessional despite her position. 

I also spoke with my bank which is the card issuer and they said the issue isn't from bank. 

I have tried more than 5 different cards from different banks of mine but the error message is still saying the same thing. My banks said I should reach out to PayPal, but PayPal is not helping due to its untrained support. I have tried up to 7 cards from different banks such as XXXX XXXX, XXXX, XXXX XXXX and other bank cards of mine but I still got the same error message from PayPal.

My bank is not the issue.

I only want a very professional specialist to look into my case so as to resolve it, I do not want further contact by XXXX XXXX because of her unprofessionalism I want PayPal to resolve my issue and give a response that truly it has been resolved, I don't need a copy and paste replies. 


My PayPal email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: U.S. BANCORP
State: MN
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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2015, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND 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 2023-10-30
Company: Experian Information Solutions Inc.
State: CA
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'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 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 2023-10-13
Company: Pacific Credit Exchange Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXXXXXX AND PACFIC CREDIT EXCHANGE THEY BOTH REPORTING ON MY CREDIT SAME AMOUNT JUST DIFFERNT NAMES. PACFIC CREDIT EXCHANGE NEVER SENT ANY NOTICES SAYIND THEY TAKING OVER THIS DEBIT. BOTH REPORTING AND TRYING TO COLLECT THE SAME AMOUNT XXXX. THIS IS A DUPLICATE ACCT WITH DIFFERNT NAMES I WOULD LIKE FOR BOTH COLLECTION BE REMOVED ITS BEEN PAST THE TIME FRAME TO COLLECT. THEY SELL MY INFORMATION SO IT CAN START OVER.. THEY DID AGREE TO REMOVE IT BECAUSE I WASNT GIVEN PROPER NOTICE

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 2023-09-22
Company: EQUIFAX, INC.
State: FL
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are 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 is being investigated by the FTC.

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 2023-02-16
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: Card was charged for something you did not purchase with the card

Complaint:
There was purchase made on my credit card on my Best Buy Citibank card. I immediately reported it after I received an email of the purchase. The card was to be cancelled XX/XX/23. The following day, as my card was canceled and inactive, another purchase was made. 

I tried to resolve the issue Best Buy recharged my card and did not issue my credit. I also have a credit of about {$210.00} I was told was going to issued a check for, and still have not received it.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: NC
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX A XXXX, NC XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.Accounts : XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} Equifax XXXX XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: LA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$4100.00}

Company response to consumer: Closed with non-monetary relief