BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-19
Company: Experian Information Solutions 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:
I sent an online investigation to this credit bureau. I disputed a lot of accounts & inquires on my report that I do not recognize. I believe that this company did not conduct a proper verification. The notes said the inquires were factual records. But I don't have any information on where they came from. I wrote the companies, but I did not receive a reply. I want a proper verification conducted and now I want all open accounts, collections, inquires, and judgements verified. I also want to know how these accounts are verified. I think I am within my right to ask how their 3 rd parties verifies information as well. I did contact the bankruptcy court who informed me that they do no provide information to 3rd parties. So I definitely want to know ( 1 ) the name of the person who went to the courthouse, ( 2 ) the name, job title, and phone number of the person whom they spoke to, ( 3 ) and I want a copy of all documentation presented and received. I am still concerned about identity theft and fraud since I am past victims. In the past, my exhusband information was comigled with mine and it took forever for someone to fix it. I do not want someone using my information to credit fictitious accounts to hurt my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Called 800 number unable to reach rep due to I have no account info. I never had business with this company

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 2022-03-02
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-04-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX purchased a dining table from Macy 's for {$3000.00} on XX/XX/XXXX -The purchase was placed on a Macy 's credit card and was eligible for a 0 % apr rate for 12 months -After taking delivery, I planned on paying off the purchase before the promotional period was over. After I randomly audited my Macy 's credit card portal, I learned that I am being charged a variable interest rate ranging between 28 % and 31 % apr ( this equates to approximately {$90.00} in interest ), which should have never been charged. 
XXXX reached out to Macy 's credit card customer service and was told that the individual who created the purchase order did not setup the promotional apr as part of the order. 
-The resolution provided by Macy 's credit card customer service XXXX that they will reverse XXXX and XXXX ( 2 months ' worth of interest payments ), and I would still be liable for the other 4 months ( XX/XX/XXXX - XX/XX/XXXX ) and any future interest. 
-Please use the call I placed to Macy 's credit card at XXXX on XX/XX/XXXX at XXXX XXXX and spoke with XXXX and her supervisor, customer reps at Macy 's credit card as a reference or evidence. XXXX explicitly acknowledged this was an internal error but can only offer the 2 months interest reversal as a resolution. 
-I have no other recourse as a consumer and would like CFPB 's assistance to help protect me as a financial consumer.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30  DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 INSTRUCTIONS.

PLEASE SEE 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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
1. The following personal information is incorrect XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report. 
. 
The following personal information is incorrect XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report. 

1. The following personal information is incorrect XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from 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 non-monetary relief
Consumer complaint received 2018-08-04
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint in short is about an alleged " debt '' from XXXX XXXX XXXX  with respect to excess wear and tear on a vehicle. The amount in question has been disputed and I feel as though XXXX XXXX XXXX has broken various Consumer Protection Laws under the Fair Debt Collections Practices Act, which is Federal Law, the state mirror called The California Rosenthal Act, and finally Business And Profession Code Violations. 

Please see the attached correspondence to the company that has been sent, which goes into greater detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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:
I had reached Equifax bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent an online investigation to this credit bureau. I disputed a lot of accounts & inquires on my report that I do not recognize. I believe that this company did not conduct a proper verification. The notes said the inquires were factual records. But I don't have any information on where they came from. I wrote the companies, but I did not receive a reply. I want a proper verification conducted and now I want all open accounts, collections, inquires, and judgements verified. I also want to know how these accounts are verified. I think I am within my right to ask how their 3 rd parties verifies information as well. I did contact the bankruptcy court who informed me that they do no provide information to 3rd parties. So I definitely want to know ( 1 ) the name of the person who went to the courthouse, ( 2 ) the name, job title, and phone number of the person whom they spoke to, ( 3 ) and I want a copy of all documentation presented and received. I am still concerned about identity theft and fraud since I am past victims. In the past, my exhusband information was comigled with mine and it took forever for someone to fix it. I do not want someone using my information to credit fictitious accounts to hurt my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 2023-03-03
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased a Vanilla Visa Gift Card in-store at XXXX 's XXXX XXXX for {$200.00} + {$5.00} activation fee. on XX/XX/XXXX at XXXX in XXXX FL as a wedding gift to the family member 's wedding. The bride later told me that she attempted to use the gift card however it showed that it was not activated at the register by the store. I contact XXXX to advise the gift card was never activated and they told me to reach out to Vanilla Visa directly. I contact Vanilla Visa who further explained that they could not confirm that the gift card I purchased at the store was the same gift card that was never activated. I told them I can provider proof that I purchased the gift card in store however that did not seem to matter to Vanilla Visa. 

I, then, filed a dispute with my bank XXXX XXXX in order to recoup the {$200.00} + {$5.00} that I lost for an ineffective gift card. XXXX XXXX denied my claim as they stated XXXX confirmed the purchase. I contact XXXX XXXX on XX/XX/XXXX further explain that while it is true that I did, in fact, purchase the Vanilla Visa gift card at XXXX, the store never activated the gift card thus rending the gift card useless & ineffective. 

Vanilla Visa recommended I contact XXXX. XXXX recommended I contact Vanilla Visa. And my bank XXXX XXXX is doing nothing to help. I don't believe its right for me to be scammed out of {$200.00} + {$5.00} activation fee for a gift card ( which is now just a piece of plastic ) because these companies refuse to take ownership. This seems to be a common issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I'v already disputed these items, but the bureaus did not remove them nor prove validation. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX SELFREPORTED Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX SELFREPORTED Account Number : XXXX, XXXX SELFREPORTED Account Number : XXXX, XXXX SELFREPORTED Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Payward Ventures Inc. dba Kraken
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a wire from my bank account at XXXX XXXX to Kraken. My funds sent via XXXX XXXX  to Payward can not be deposited - I was told to wait up to 10 business days for my funds to be credited. That is simply unacceptable and needs to be investigated.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: NV
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:
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. 
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The Experian and XXXX and Experian Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Experian are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}.

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 explanation
Consumer complaint received 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion continues to have XXXX  on account incorrectly. I am attaching the monthly payments. XXXX was not late 5 times. XXXX has been reporting falsely for months and I have contacted XXXX XXXX XXXX  XXXX  which handles Consumer issues and they will investigate the company on these unless this is fixed. They continue to report avail credit incorrectly as well. As reported does not match the statements either. I have paid them over 2600 Attached is all proof. Also Transunion continues to report hard inquiries incorrectly. I have disputed all the ones I did not authorize. I did contact the ones I am disputing most of them do not answer any calls or emails because scams and 3rd party internet predators. I have 6-7 inquiries on XXXX  and XXXX. Transunion is the only one with almost triple amount. These need to removed immediately. These inaccuracies are causing harm and not being removed. Also attached the information as Transunion website will not allow me to dispute online it just goes to attached screenshots and sits there or tells me I have to pay 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 2023-04-07
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX : {$100.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation