BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 2022-10-11
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:
REFERENCE CFPB COMPLAINT NO. XXXX CREDIT REPORTING AGENCIES CONTINUE TO BE IN VIOLATION BY NOT DELETED ERRONEOUSLY REPORTED INFORMATION. 

PLEASE SEE ATTACHED DOCUMENTS. YOU WILL SEE WHAT THE CREDITOR SHOWS AS PAID AND WHAT THE CREDITORS REPORT AS LATE. BIG DIFFERECNE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
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:
I have two personal loans from XXXX XXXX XXXX  in the amounts of XXXX and XXXX. I have paid off both accounts six weeks ago and these accounts are still showing as current with the paid off balance still present. I would like for these accounts to reflect as paid so my credit reports can be current and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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: Reporting company used your report improperly

Complaint:
N accordance with the Fair Credit Reporting act Convergent Account XXXX ACCOUNT NUMBER ENDING IN # XXXX and # 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 : Its 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 explanation
Consumer complaint received 2022-02-04
Company: HUNTINGTON NATIONAL BANK, THE
State: AZ
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:
Huntington Bank is reporting that my XX/XX/XXXX payment was over 30 days late on my credit bureau report. My monthly payment is due on the XXXX of each month. I made an electronic payment via the phone on XX/XX/XXXX. According to Huntington Bank the payment was reversed due to insufficient funds ( See attached screenshot from Huntington online screen ). I had more than enough funds in my checking to cover the payment which is reflected in the bank statement page I've included. I've confirmed with XXXX XXXX that the funds were there and they show no payments being returned on their end. Huntington Bank made no attempt to contact me to let me know there was an issue with the payment that I processed via phone. I was not made aware that the payment was late until I was working on refinancing my home and it came up on my credit report. I have made several attempts to have Huntington reverse the issue on my credit report and they have declined to admit any errors on their end and as such will not reverse the negative reporting on my credit report. This is the only late payment on my credit report, I have excellent payment history. In addition to this Huntington Bank does not allow you to sign up for automatic payments via their website. They have a process in which you must fax in a form to authorize the payments. I have on 4 separate occasions requested the form and faxed it to Huntington never to have had them process the request. The requests were made on or about the following dates- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: MS
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2022-06-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
on XXXX i sent in a letter certified to all three credit bureau certified mail tracking # for each letter are ( XXXX ) - ( XXXX ) - ( XXXX ) they have violated my rights under 15 U.S.C 1681 section 604 A section 2 the law clearly state a consumer reporting agency can not furnish a account with my written instructions I havent given these accounts written permission to furish these Account on my credit report as well 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Account Name XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-09
Company: Experian Information Solutions Inc.
State: LA
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 have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello, im here contacting you to notify that on my most recently reviewed consumer report, i noticed there was some fraud/unauthorized inquiries listed. As reference please see the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. 
I have also made contact with the listed CRA 's to advise them of these fraudulent inquiries. In response, they provided me 3rd party entities that initiated the credit pull. I also did not recognize nor authorize any parties linked to the inquiries listed above. And they did not resolve my complaint. Additionally, I have not given XXXX, TRANSUNION, XXXX XXXXXXXX permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information, please remove the above mentioned inquiries within 15 days of receiving this complaint. It is your duty to accurately report information and as of now you are not doing that. I look forward to XXXX, TRANSUNIONXXXX XXXX  XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.

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 2022-11-04
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, as consumer, without aid of credit repair organization, am writing to report an unfair and deceptive practice against Resurgent Receivable evidence by exhibited XXXX XXXX results attached. 

On XX/XX/2022 a completed investigation by XXXX returned with deletion of account information reported in violation of 15 USC 1692c ( b ) as unauthorized use of personal information and highly restricted personal information as defined at 18 U.S. Code 2725.

The debt collector induced a hardship as an unfair and abusive practice.

This deletion is admission of violation of 15 USC 1692c ( b ) for which obligation for willful misconduct is due in compliance to 15 USC 1611 and 15 U.S. Code 1692k ( a ) ( 2 ).

This is an attempt to collection a debt from a debt collector. Any information obtained will be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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: Account information incorrect

Complaint:
XXXX IS ROPORTING, FOR XXXX  AND ITS NOT 100 % ACCURATE AND THEY ARE EITHER INACCURATE, UNVERIFIABLE AND INVALIDATED. HOW CAN THERE BE TWO DIFFERENT ACCOUNT NUMBERS FOR XXXX AND EQUIFAX. ALSO DIFFERNT BALANCE AMOUNT. IN ACCORDANCE WITH TH FAIR CREDIT REPORTING ACT, EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND 15 U.S CODE 1681 e ( b ) AND 15 U.S. CODE 1681i ( 5 ) these accounts are in violation of not reporting accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 Saturday I was charged fraudulently for {$39.00} by a gym I am not a member of. I immediately contacted US Bank and told them about the charge and they said they couldnt do anything because it was pending. I requested a call back on Monday to fix things to which they agreed. I never heard anything and after about a week I contacted US Bank again this time the charge was reversed. They informed me I was being sent paperwork to certify the charge wad fraudulent. I returned the paperwork and everything seemed ok. But today they have removed {$39.00} from my account. This time it appears to be US bank taking the money out. They have not contacted me with any explanation for the debit. 

This has been such an inconvenience and I just cant understand why they are taking my

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 2023-02-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In XX/XX/2022 my daughter got a letter stating her lease payment wasn't made. Once she learned of this she immediately paid it. She ended up paying XXXX months at once which is provided here too and the amount was {$920.00}. This is not my account and I disputed it with the credit agencies but they won't help. XXXX doesn't send any communication to me so I had no idea. She had issues with her bank account and they put it on her credit and mine. In the attachments I provided, you can see that she got the automated message saying thank you for your payment but never got any correspondence after that so she didn't know their was an issue. I don't think it's right to XXXX XXXX people for XXXX mistake. I've never made a late payment and this should not be reflected on my credit. I'm asking for help in removing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 been going back in fourth with all 3 credit company, for years now how my info was stolen back in XXXX of XXXX. And multiple accounts and banks account was open from somone. And also I called to have my birthday change on XXXX they have my birthday set as XXXX witch I was born in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of my mothers apt in early XXXX. My mother passed away in XXXX and they are trying to collect a debt from me of XXXX for breaking lease and charging her. I tried to go to office its under new ownership ( the charges listed include dates the company was not in ownership as well ) I went to XXXX XXXX XXXX in XXXX nc as they owned at the time. They refused to give me a copy of lease and threatened to call police on me. Credit agency has yet to produce a valid proof of ownership I have been contacting them since last year. I request the lease that was given to them and I have yet to receive it. The most recent agent put me on hold in mid conversation because I asked for the lease and he said I should have it myself. ( Which I dont because I live in a different state ) I have notarized address proof. As well as my lease renewal I also receive South Carolina XXXX XXXX and Gov assistance for my child since I have been living here ( XXXX ) and the company is charging for XXXX The collection agency switches my agent everytime I ask for legal proof of debt. This is the 3rd agent over this matter. I have disputed multiple times as well as sent in supporting documents to all 3 major credit agencies I will be glad to submit all supporting documentation I have. Every lease has to be renewed and signed. I never came to sign. I also have a email from the property manager to my deceased mother stating they would let her out of the lease it was approved by the regional manager I can also submit tax returns filed in my state of sc if needed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My employees had given me a {$50.00} XXXX ( TD Bank ) gift card for my birthday. I never used it ( it even still has the sticker on it that needs to be removed before use ). I found it in a box with other gift cards in XXXX during COVID and realized that it expired XX/XX/XXXX. I wasnt going out or spending much money in XXXX due to the pandemic and not working, and I knew that I could have the money put on a new card. I phoned the number on the card yesterday, finally ready to begin to go out again, to ask about having the balance ( {$50.00} ) put on a new card. I was told that the card was registered in XXXX ( I have no way of knowing that ), that the card has been closed, has no value, and that I should throw it away. The card does NOT list NJ, where I live, as one of the states that has a monthly inactivity fee. It says on the back of the card that the funds do not expire. It also says, You can request a replacement card at no charge, following the Good Thru date if there is a remaining balance. Does it make sense that the unused card has no value?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo has been investigating the matter of unauthorized transactions that occurred between XX/XX/XXXX and XX/XX/XXXX. I had reported the issue to both the bank and the merchant involved. To ensure the security of my accounts, I had implemented two-factor authentication and had not engaged in any suspicious activity. However, my XXXX was stolen in XXXX on XX/XX/XXXX, which I suspect may have led to the unauthorized access of my accounts. Despite taking the necessary precautions, my email, credit cards, XXXX, XXXX, and XXXX  accounts, as well as my SMS verification, were compromised. 

Despite my efforts to secure my accounts, I was informed by the merchant that they would not be able to issue any compensation or refund for the unauthorized transactions. I have written proof of their assistance and their claim that I did not take sufficient steps to secure my account. However, I am deeply disappointed in Wells Fargo 's handling of the situation. Throughout their investigation, they did not keep me updated and I had to repeatedly call to obtain any information. Despite a full investigation, they simply denied my claim without offering any explanation or requesting additional evidence. In comparison, the merchant involved asked me more questions and showed more interest in resolving the matter. I was eager to find a resolution to this situation and seek a more professional and serious approach from all parties involved. But as stated with Wells Fargo it is closed and I cant do anything about it. So im putting this complaint in to show me disappointment. I have not received any emails or letters yet about my claim, just a phone call stating my claim is denied and closed. I had another CFPB complaint a few days ago where a wells fargo executive called me. She was helpful and nice and im hoping maybe she can have a XXXX  look at my claim. Wells Fargo requested i work with the merchant but as you can see they arent helpful. They claim I was neglectful on securing my account but I had every security measure in place.

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