BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
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: Account status incorrect

Complaint:
To whom it may concern : my name is XXXX XXXX I am responding to your email it states your company this report to Office Financial of Currency I received a letter from them stating they are not going to respond to any more complaints, which is not fair to me especially when I gave them evidence but they ignored my claim. My last resort is to get a lawyer and file this complaint with the XXXX XXXX XXXX especially when my evidence is being overlooked or destroyed by the Office Financial of Currency and XXXX which is a violation against according to FRCA Thank you, 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 2021-01-15
Company: LendingPoint Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I took out a loan for {$8000.00}. I signed a contract that said I would be charged an armorization fee of XXXX but if I paid my loan off early I would get that back. I made 9 payments of the {$230.00} the told me to pay and each month my owed amount was always above {$800.00}. When I did the math that mean out of {$230.00} XXXX $ of each payment was going to interest if you subtract the XXXX from the XXXX, XXXX dollars i had paid. I was given a paper saying I would pay XXXX in interest over 60 months but just in the first 9 I had already paid over XXXX and my loan amount was still over XXXX When I asked they said it was correct so I sent them XXXX to pay off the loan however a payment came due before they got the check for XXXX and i had to pay another XXXX the sent me back XXXX after I complained however I should have gotten the XXXX back as well as not have paid that much in interest according to the armorization schedule I have. They have completely ignored me about this even though I have the contract that shows they now owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: AL
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:
In XX/XX/2023 I received a notice on my credit report that a debt collector by the name of XXXX XXXX XXXX reported to Experian that I had a past due balance of {$530.00} owed to XXXX. I have never had any agreements or business with XXXX or XXXX XXXX XXXX. I have never received any notices from either company in regards to the matter. I have tried to contact XXXX XXXX XXXX with no success. I have contacted XXXX and spoke to a representative by the name of XXXX ( Customer Care ID number XXXX ) on XXXX who confirmed that I do not and have never had an account with XXXX however could not provide me with a verification letter. I have filed a report with the FTC regarding the XXXX and XXXX XXXX XXXX ( ref report number XXXX ). On XXXX I spoke to representative from Experian by the name of XXXX and asked what information was used to verify this false account that I had disputed and she informed me that she could not give out that information but that I would have to contact XXXX  or XXXX XXXX XXXX for that information. 

I am requesting that the information used in the investigation be provided to me or removed from my credit report under 15 USC 1681a2 as I have not given written permission or have any agreements to have the accounts in question furnished to my 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 non-monetary relief
Consumer complaint received 2021-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America Account # XXXX. 
XXXX XXXX of XXXX persons. 
XXXX : claim # XXXX Check # : XXXX XXXX : {$85000.00} Bank names above withe connection to named none-profit organizations XXXX. Opened and fund accounts # XXXX and issue check from the bank of America Account number XXXX route # XXXX check amount of XXXX. To XXXX XXXX. And open. Tread account with XXXX XXXX and trade on behalf of my good name to get service and good without my permission or consent. Around 2001 up to date. Still no resolve of my matters. And am seeking to resolve this issue.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I have been disputing for a while now. 

This account is reporting inaccuracies on my reports with each credit bureau with different open dates, payment date and active dates. How are the bureaus able to verify inaccurate and inconsistent information? I am sure this is against the law per the FCRA. It is their job as the consumer reporting agencies to conduct proper investigations and report 100 % accurate information. I know for a fact that if they are verifying inconsistent information that this account surely can not be verified as accurate. 

I am requesting that this account is deleted from my reports and an updated copy of my reports is mailed to my address!

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 2019-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2017, XXXX XXXX, XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items 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 explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-11-14
Company: Experian Information Solutions Inc.
State: NV
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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 

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

Company 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 2022-04-28
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:
In accordance with the Fair credit reporting Act XXXX Accounts listed as followed 1. XXXX XXXX XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX, XX/XX/XXXX 3. XXXX XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX, XX/XX/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 2023-08-21
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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2023-07-05
Company: Global One Arbitration Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had XXXX on XX/XX/2022. The evening before XXXX I received a call from Global One requesting an excessive amount to be paid by me just hours before major XXXX. I explained to them that I was not going to pay, until my other medical bills had gone through for deductible purposes, and further until I received a detailed accounting of the actual procedures on the actual day of XXXX. This week I received a letter from Global One that I was being sent to collections, however, this is the first notice I have received and additionally I have still not received a detailed accounting of procedures, costs, and what was actually billed.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus 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. Below are the accounts that are reporting on my Credit Reports : TransUnion : 1. XXXX XXXX** Balance Owed : {$250.00} 2. XXXX XXXX Balance Owed : {$260.00} 3. XXXX XXXX Balance Owed : {$370.00} 4. XXXX XXXX Balance Owed : {$170.00} 5. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 6. XXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} 8. XXXX XXXX  XXXX Balance Owed : {$0.00} 9. XXXX XXXX Balance Owed : {$0.00} 10. XXXX XXXX Balance Owed : {$0.00} 11. XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$6500.00} 12. XXXX XXXX Balance Owed : {$0.00} XXXX : 1. XXXX XXXX Balance Owed : {$130.00} 2. XXXX XXXX Balance Owed : {$240.00} 3. XXXX XXXX Balance Owed : {$370.00} 4. XXXX XXXX Balance Owed : {$170.00} 5. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 6. XXXX XXXX  XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} XXXX 1. XXXX XXXX Balance Owed : {$250.00} 2. XXXX XXXX Balance Owed : {$260.00} 3. XXXX XXXX Balance Owed : {$170.00} 4. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 5. XXXX XXXX Balance Owed : {$0.00} 6. XXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX  XXXX Balance Owed : {$0.00} 8. XXXX XXXX Balance Owed : {$0.00} 9. XXXX XXXX Balance Owed : {$0.00} 10. XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} 11. XXXX XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have found multiple charge-offs on my account to be inaccurate and a hindrance to my credit report. 

XXXX XXXX Account XXXX XXXX Multiple innacuracies were found between all bureaus. 
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2023-04-18
Company: Lexington Capital Holdings LTD
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I received the below email after a phone call from the company. Rep said all I needed was a XXXX credit score. I repeated that's all he said yes, so I went to the provider to get the requested report. After I sent the report with a higher-than-required credit score, they said I had late payments from 3 years ago I needed to speak to their " credit specialist, XXXX from underwriting, '' who also has an email address URL with the same company. XXXX. XXXX called me to begin to sell me credit repair to remove " my late payments '' from my credit report for a cost. i ended the call because i had already spent money on their referral credit company https XXXX XXXX  which makes you sign up for a credit monitoring service for $ XXXX. This is a total scam and Lexington Capital Holdings which is affiliated with XXXX XXXX XXXX are both selling credit repair to consumers NOT 0 % business loans as they offered to me. This needs to stop before it gets out of hand. 




Hello, It was a pleasure speaking with you.

At Lexington Capital Holdings, we work with many businesses around the country to provide them with the capital they need. We are excited for the opportunity to do the same with you! 

Applying to XXXX XXXX Line of Credit program can promise you a few things. Traditional financing options, Monthly payments with 0 % interest up to 24 months, and forever revolving lines. 

Documentation Needed For Approval Process : XXXX  Credit Report You can email it over to me at XXXX Upon receiving that information, I will immediately start the approval process. 

How To Access XXXX XXXX  CLICK HERE FOR XXXX XXXX CREDIT REPORT Make an account Click View most recent report Hit Print this page Change the destination to print as pdf Attach pdf to email and send to us

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus 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. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Inaccurate DOB : XXXX US DEPT ED XXXX Balance Owed : {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} US DEPT ED XXXX Balance Owed : {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} XXXX  XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX US DEPT ED XXXX Balance Owed XXXX {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} US DEPT ED XXXX Balance Owed : {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} US DEPT ED XXXX Balance Owed : {$2100.00} US DEPT ED XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$2300.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX Balance Owed : {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. 
XXXXXXXX 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 2021-01-14
Company: Experian Information Solutions Inc.
State: NY
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:
In XX/XX/2020, I sent a USPS certified mail to Experian Consumer reporting agency to remove an unauthorized hard credit inquries. The agency fails to proceed, failed to remove, and not responded to my concern. Before my submission, I tried fixing the problem with the financial institutions, unfortunately, is unsuccessful. The financial institutions were unable to verify the inquiries belong to me but failed to proceed. The Credit agency was received my certified mail on XX/XX/2020 ( See attached documents ). However, not proceeding with the timeframe was required by Federal and State Law. Reference to the credit agency action, my credit was hurt.

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