BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i SEND A LETTER TO TRANSUNION ON XX/XX/2020 AND THEY ARE USING TACTICS, DONT WONT TO VERIFY THE DISPUTES SAYING THAT THE LETTER CAME FROM A CREDIT REPAIR COMPANY WHICH IS NOT TRUE.THIS HOAX NEED TO BE STOPPED AND CONTINUE WITH THE PROCESS OF VALIDATING 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 2020-04-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citicards has not reversed charge with airline, so I am unable to receive refund.

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 2020-04-09
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 bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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 2022-12-22
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2020-04-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
the 3 credit bureaus are not updating inqyueries that are posted on their credit reports.my XXXX  has the latest updates and is reporting currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
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:
XXXX XXXX XXXX {$3300.00}, Actions taken-disputes filled with proof that car was paid off by insurance on XX/XX/XXXX. They are reporting late payments with different amount on all three bureau 's XXXX, XXXX $ XXXX Transunion shows {$3300.00}. I've tried several times but no-one will assist me any further. 

This is a violation of section code 15 U.S.C 1681G Law Violation XXXX XXXX XXXX is reporting inaccurate payment history on all three credit bureau 's. They are reporting late payments with different amount on all three bureau 's XXXX, XXXX and Transunion. I've tried several times but no-one will assist me any further. They even overlooked the late payment laws for covid XXXX. 

This is a violation of section code 15 U.S.C 1681G Law Violation

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. And also may be in violation of 15 U.S.C 1605. XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an 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 convictions 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

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 2023-02-21
Company: Block, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX XXXX  XXXX, CashApp charged my checking account XXXX. This CashApp account was closed due to fraudulent activity. I have used this app only once to send money. On XX/XX/XXXX of XXXX, there was an attempt to fraud my account with a charge I had not made. Secondly, someone ordered a card against my account. I never requested or ordered a card from this company. I immediately closed this account on XX/XX/XXXX, removing my checking account number first. Now this account is being used by someone I do not know and CashApp is charging my account a monthly fee ad if it is still active. I have notified my bank and reported fraudulent activity. When I try to reach out to CashApp, I am put into a phone loop. I can only request a call back. When the call back, the automated system puts me back into a phone loop, to request a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXXwas intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-04-09
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XXXX  XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX  XXXX, XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$7200.00} XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$2600.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX, TX 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 2020-04-09
Company: EQUIFAX, 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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an XXXX XXXX which is issued by Synchrony Bank. I have consistent problems with my payments taking weeks to post to my card account. Most months, I pay the monthly statement balance in full. The actual payment is deducted from my personal checking account within several business days of making a card payment. However, it can take several weeks for this to be reflected on my XXXX card balance. My most recent payment posted on my card account on XX/XX/2022, but it is still not reflected in my spending limit/activity. My very first statement/payment after using the card took several weeks to process. When I called customer service, they said that larger payments took longer to process because it was an 'abnormal payment '. I made several follow up phone calls since I was promised that the payment would be reflected in my 'available to spend ' balance, and there was no change. I do not understand why it is taking weeks for my payments to be reflected in my balance/spending availability ; it is negatively impacting my credit utilization. I do not have this issue with any other credit accounts. Whenever I call customer service, I receive a different explanation as to why the payments take so long to post. On the XXXX XXXX website, it does say that payments sent via mail can take up to 10 days to process ; however, I ALWAYS pay my bill online.

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 2020-04-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2023-08-13
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:
i was looking into my credit report and noticed multiple fraudulent accounts and inaccuracies. these accounts below are hurting my credit and need to be addressed. asap. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/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 2022-12-30
Company: EQUIFAX, INC.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove any and all fruad alerts

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 2023-07-27
Company: Kikoff Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I forwarded a previous email to KikOff Support Team regarding the breach in my account & I've heard nothing from KikOff. Any & all recent activity that has transpired on my KikOff Account for this month ( XX/XX/XXXX ), IS NOT ME! I'm requesting to be contacted by KikOff 's SuperVisor or someone of authority who can resolve this breach of my account & put my line of credit that I was eligible for back to the way it was .... UNTOUCHED. My XXXX XXXX XXXX checking account was hacked last week. The thief pushed through fake ACH checks through my checking account on XX/XX/XXXX & XX/XX/XXXX using my Kikoff account after hacking it. They linked the account & stole a total of {$7000.00}. I had to place a freeze on all 3 of my Credit Reports with the 3 Credit Bureaus, change my passwords to my XXXX email & other accounts. In addition to contacting Social Security & providing them with the new checking account number & routing number that XXXX gave me. This is a total nightmare & it's more insult to injury for KikOff to not even attempt to contact me to try to resolve this situation. I can't login to my KikOff account because of the damage the hacker has done by changing my login information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
When I opened a checking account at Wells Fargo in XXXX of 2004, at XXXX years old, they opened a credit card in my name as well without my permission. I noticed it when they were also charging me for their rewards program, for a card I didn't apply for. I called them to stop the charges and had to threaten them to get them to remove the rewards program charges, but the damage was done and the card was opened. Closing the account would only hurt my credit score, so I left it open but never used it once in the almost 11 years it was open.

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 2018-10-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
OneMain viewed my XXXX credit report on XX/XX/XXXX without my consent or authorization. 
XXXX XXXX XXXX viewed my XXXX credit report on XX/XX/XXXX without my consent or authorization. 
US SM BUS ADMIN ODA viewed my credit report on XX/XX/XXXX without my consent or authorization. I have contacted them and XXXX disputing these inquiries and they never take any action to removed them. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized them to viewed my consumer file otherwise I am asking that they remove these inquiries from my XXXX file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: IL
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:
A XXXX late payment was occurred on a XXXX Credit Card Account during the XXXX pandemic, as I never received a statement or phone call alerting me of the past due balance. Immediately upon receiving an alert from my credit monitoring, the account was paid in full. It still reports negatively on my account. The credit bureaus have not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: IL
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 just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 convergent, Account : XXXX 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