BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX  XXXX Balance Owed : {$120.00} ; XXXX XXXX Balance Owed : {$820.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: WI
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 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: CCF Intermediate Holdings LLC
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 was told by speedycash I was given a loan via my bank. I do not have a bank nor had one. I had in past 5 years gotten loans from them only in person and paid them all. I got a text saying I got a loan and had a payment due the same day. When I called them I was told money went to my bank. I had no bank. I complained to XXXX who told me it's accurate. It is not. Now I see payments were made except not by me. Please fix this. I've worked for 3 years and haven't been late on one of my 8 credit cards and now it's ruined and XXXX can't tell me who's acct it is or who's making pymnts. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results form identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2023-11-11
Company: Collection Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2023 I was contacted by a XXXX XXXX who claimed to be an attorney. She said I had provided my credit card information to someone else months earlier and she wanted to use the same credit card to pay another debt. I told her I wasnt aware of any other debt - that I should not have any because I have health insurance that pays 100 % and I have no deductible. She said its for your mental health treatment. I do not have any treatment for mental health and never have. It is completely out of line for her to say things like that. It would be a violation of HIPAA. I vaguely remember being contacted about a {$150.00} medical bill many months ago and I just paid it because I was buying a house and didnt want to deal with it. But I told her I am unaware of any unpaid medical bills and very clearly told this woman that she did not have my permission to use my card- Im not sure why my credit card information was even retained beyond the one time I gave permission to use it - and provided to this XXXX person because I have never spoken to her before. I told her I was at work and would need information regarding the legitimacy of this and that she was not authorized to use my credit card for something I am not even aware of and that I am disputing as a result. She hung up on me and used my card anyway to process a payment. I called the number on my caller ID back and told her she did not have permission to use my card and I wanted it reversed immediately and she told me to call the police. I was hung up on again after she called me a XXXX. I called back and asked for the name and address of the company and was hung up on 8 times in a row.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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:
To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 3 ) a Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services I have been adversely affected by these blatant violations to federal law on my consumer reports by violating the clear exclusions provided to me by law, for these alleged debts : XXXX XXXX XXXX Account # XXXX Instructions : Delete my non-public personal medial information from my consumer 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 2022-12-26
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:
CFPB + Transunion, This is in relation to my TransUnion credit report dated XX/XX/2022. Ive found a few inaccuracies in the following accounts and these need to be removed. 

Attached to this complaint are : - My drivers license - My mailing address - My social security card - My written complaint + screen shots To have the accounts removed for many major inaccuracies

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 2018-04-03
Company: CITIBANK, N.A.
State: CA
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:
I walked in a sears store ends of XX/XX/2016 to purchase appliances for new home. I asked for store credit when the sears worker comes back tells me I got approved for {$6000.00} credit card I asked him why he did credit card which he insisted it was better because of no interest 24 months and I cut use it where ever I wanted, that day I purchase about {$4000.00} of appliances, I was left with about {$2000.00} on credit card. I used the credit card on a car dealership for the amount of {$1700.00}. I have been paying monthly never been late. I noticed that I wasn't receiving any bills so I called sears credit card they 1st said that it was because my credit was linked to my previous home address so I asked to  change home/mailing address which still didn't receive anything. I gave them another call because didn't notice my balance going down they told me it shows details on statement which I never received the person that I spoke to that day told me I was in paperless billing and I had already set up an account online they told me a other persons name and email that wasn't me and they had even set up that person with their own credit card and I wasn't informed of. And I didn't have access to my own account. I told her I didn't do it she said it had to be you, didn't care much what I had to say I asked to cancel that persons credit card and change the email address to mine and home address. when I receive the 1st statement it had a {$1200.00} increase so now I have a balance of {$7200.00} I have called a lot of times and they give me different story`s that its 12 months no interest and other person tells me I have two different accounts that I have always been paying interest on 1 account. In one of so many calls I told them if they cut give me more time to pay off so I wont have the pay the {$1200.00} more she told me ok pay me {$2400.00} by the end of today but in a very sarcastic way because she figure I didn't have it. Now that happen I'm getting my statements there intimidating me showing minimum payment {$16000.00} and {$1100.00} which i called and after talking to different people finally one of them told me if u don't have that amount just give {$230.00} so there will be no late fees and wont affect your credit but that only covers interest charge for 2 different accounts. on statements only shows 1 account.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 non-monetary relief
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely Experian and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.

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 2023-10-17
Company: DISCOVER BANK
State: UT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/17 at around XXXX XXXX  ET I applied for a personal loan with the company. I asked the representative over the phone at the beginning of the call if the loan can be direct depositied EFT ACH to my personal bank account. I asked how long. She said it can be within a day or so. During the process of taking the application over the phone she said I was approved and asked how I would like the funds, " checking, savings or money market. '' I said, " Oh, it can be send via money market? '' Ya, that would work. I then gave my money market account info. She then submitted my final application and the system came back and said I needed to upload three months documentation of my account. I told her that while I've banked with this bank for more than 1 year, I only opened up the money market account within the past month. She then told me the loan would have to be sent to me by check then. I told her that if she had told me that when I was choosing what account to have it sent to I would have chosen checking. She said she couldn't do anything about it now and I would have to wait 90 days to reapply for the loan. I then cancelled the applicaiton. I was told something during the application process that wasn't correct and now my credit has a hard pull on it which negatively affects my credit. I am being negatively affected by this and the representative didn't care. There has to be loan laws that prevent people taking loan applications to promise things and say things that aren't true. If I had known funds couldn't be transferred to my bank account, I never would have applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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:
On XX/XX/2022, my credit card was subjected to a Hostile Takeover of Account XXXX XXXX XXXX XXXXXXXX and {$2000.00} was taken as a cash advance and transferred to my savings account. 

Subsequent to the transfer to savings, there was an attempt to transfer the {$2000.00} out of savings which was unsuccessful as the account was frozen. 

The hostile actor changed my email address and password denying me access to the account. 

As requested by the bank ( Penfed Credit Union ), I have uploaded my Drivers license, copy of a telephone bill, social security card, and a notarized request to change my pass word. 

I have now received an invoice for {$2000.00}, which is for the {$2000.00} fraudulent cash advance plus interest and fees. The balance is due by XX/XX/XXXX and I have been unable to resolve this in spite of numerous calls to the bank.

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 2019-09-14
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/XXXX I place reservation for 2 tickets to XXXX, AZ. With XXXX XXXX. I cancelled them an hour later. Amount was {$780.00}. Around XX/XX/XXXX I looked at my Citibank statement online, and noticed 2 purchases for airline tickets for {$480.00}, and it said XXXX XXXX on the statement. When I contacted Citibank, I explained I had made a purchase of 2 tickets, but cancelled them, and not to XXXX XXXX. The person said I should cancel card and report fraud. Around the XXXX I called to see why the charges were still on statement. They transferred me to fraud division, and they said I made the reservations, and so it was not fraud. I called XXXX XXXX, and they explained that the frights were cancelled and Citibank should have gotten their refund. They told me I made the reservations in XXXX XXXX pounds, and that is why the charge was {$480.00}. I called the credit card company again, and explained the mix up that made me think it was fraud. They reversed the one charge for {$480.00}, but not he other one. On XX/XX/XXXX I called credit card company and they said I owed them for {$480.00}, and would not give me a refund. They also said they didnt get a refund from XXXX. I called XXXX XXXX and they sent me a email on XX/XX/XXXX stating that two refunds in the amount of {$480.00} were refunded to my MasterCard, and they gave me ticket # s, and  tracking # s to give to Citibank. When I called and gave them to XXXX at Citibank, she said she would forward them to the right dept. on Sunday, XXXX XXXX, I pull up my Citibank app, and Charges were still on there, and they had a note that my account was closed. I had told them that they lied to me, and they got their refund on XXXX, but I get one, and they want me to pay for the other! I also got a letter from the Securty Operations Service Team stating the investigation is closed and since it was not fraud, the disputed charges would not be removed. How was I to know I that I did it in XXXX, and when I saw the statement for two charges for a different amount then the XXXX, and XXXX XXXX on the online statement, I naturally thought someone had gotten my card and charged 2 tickets to 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 monetary relief
Consumer complaint received 2019-09-14
Company: Sequoia Financial Services
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:
sent debt validation letter multiple times XX/XX/2019 XX/XX/012019 XX/XX/2019 final letter sent XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Unauthorized Inquiries on My Credit Report : ** 1. Inquiry from XXXX on XX/XX/XXXX. 
2. Inquiry from XXXX XXXX on XX/XX/XXXX. 
3. Inquiry from XXXX on XX/XX/XXXX. 
4. Inquiry from XXXX XXXX on XX/XX/XXXX. 
5. Inquiry from XXXX XXXX on XX/XX/XXXX. 
6. Inquiry from XXXX XXXX on XX/XX/XXXX. 
7. Inquiry from XXXX XXXX on XX/XX/XXXX. 
8. Inquiry from XXXX XXXX on XX/XX/XXXX. 
9. Inquiry from XXXX XXXX on XX/XX/XXXX. 
10. Inquiry from XXXX XXXX on XX/XX/XXXX. 
11. Inquiry from XXXX XXXX on XX/XX/XXXX. 

**Statement : ** I have identified multiple unauthorized inquiries on my credit report, conducted by various lenders as listed above. I do not recognize these lenders, and I did not authorize these inquiries. It is evident that these companies used these inquiries to profit, with no apparent benefit to me. Therefore, I demand the immediate removal of these unauthorized inquiries from my credit report. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: In progress
Consumer complaint received 2023-02-23
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( AMEX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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: Reporting company used your report improperly

Complaint:
N accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681section 602A. States i have the rights to privacy.

15 U.S.C. 1681 section 604A. It also states consumers 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