BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit scorXXXX. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

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 2023-08-09
Company: EQUIFAX, INC.
State: VA
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 filed a complaint about this before per my attached documentation I am a us citizen with a ssn and have recently viewed and used credit. the company 's response to incorrect information was I am not a us citizen with a ssn. I have items on my credit report that are fraud and they will not remove the item even with the court order attached. 

XXXX XXXX XXXX is the account i need removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Around the end of XX/XX/, Citi Bank froze my bank account, which was the 2nd time that they have done so in the past 12 months ; The first time it took the bank nearly 4-5 months to provide access to my funds, in spite of their promise of 30-60 days. The most recent time, Citi held my funds for 4 1/2 months, which was far beyond their legal requirements. As a result, I was unable to make payments on my Citi Best Buy Credit Card during this period of time, as Citi was illegally withholding my rightful funds and did so for far longer than their own stated timeframe. Citis response was that my account was CLOSED on XX/XX/XXXX, so bc they returned my funds in XXXX ( which was still beyond 60 days ), then that meant they were within their rights. However, it took CitiBank nearly 3 months to close my account while withholding access to my funds the entire time without even providing a notice as to why my account was frozen - nor did they provide any details as to what I needed to do to remedy the matter or when I could expect to receive my funds. I had to make several phone calls to find this out on my own & I was simply told that I would receive my funds within 30-60 days from the day MY ACCT WAS FROZEN, not from the day THAT CITI DECIDED TO CLOSE MY ACCOUNT. Citi continues to do this to thousands of customers with impunity & they have now caused my credit score to plummet twice in a matter of 12 months all bc they think it is ok to withhold their customers money that is the customers rightful property. Citi closed my CitiBank Best Buy credit card and charged off the full balance after I had never had even a single missed payment for over 7 years of having that credit card. The only late pmts we have ever had were those that were a result of CitiBank withholding the entirety of our funds from our checking account. Citi has held tens of thousands of dollars of my money for 9 out of the past 12 months and they did so with impunity. I will be retaining counsel if Citi doesnt rectify this matter immediately.

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 2021-11-09
Company: Nelnet, Inc.
State: OH
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 XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

These accounts are reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It has come to my attention that a previously deleted fraudulent account has reappeared on my credit report, causing significant distress and concern. 
Account Information : XXXX XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX -PLEASE DELETE!!! 
I am both shocked and frustrated to discover that the accounts, proven to be fraudulent and deleted from my credit report in the past, has somehow resurfaced. The implications of this reoccurrence are not only detrimental to my creditworthiness but also raise serious questions about the integrity of your bureau 's processes in handling fraudulent accounts. 
The fraudulent account in question was previously deleted from my credit report, indicating that it was recognized as fraudulent. I request an explanation as to how an account that was once confirmed as fraudulent and deleted has been allowed to reappear. I am deeply concerned about the efficacy of your bureau 's verification process. 
Given the established fraudulent nature of this account and its prior deletion, I insist on its immediate removal from my credit report. The reappearance of this account is causing unwarranted harm to my credit standing, and I expect swift corrective action.

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 2022-06-16
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: Account status incorrect

Complaint:
I have never been late on the following accounts. Mark the following accounts as paid as agreed or delete the account. After I had a chance to review 15 USC 1681a ( 2 ) ( i ) I noticed transactions and experiences should not be on my consumer report at all. That means late payments should not be on my consumer report either way. Mark the following accounts as PAID AS AGREED or Delete from my consumer report. : DEPARTMENT OF EDXXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX Account # 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 2024-01-04
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX XXXX I moved from XXXX  back to my home state of XXXX. A day or XXXX afterwards I went to the local XXXX  XXXX  at XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX, to get internet setup. After doing some research, XXXX was the only internet provider option for my apartment. They were also the only provider option for the place I was renting in XXXX  previously. After waiting a while, the in-store XXXX sales rep informed me that since I was already a XXXX customer I could move the service from my old address to my new address and pay a reduced rate, since internet service in this area is cheaper. That all seemed normal, since last time I moved the process was similar. 
The next month, on XXXX XXXX XXXX, I received a charge for {$110.00}. This was not part of the standard billing charges. So I called XXXX. The XXXX rep on the phone told me that the in-store rep had done the transfer of service to my new address incorrectly. Instead of transferring the service to my new address, they had canceled the service at my old address and started a new service at my new address. This automatically triggered a early termination of contract fee in the amount of {$110.00}. The XXXX rep on the phone assured me that they would make this right, and mail me a check for {$110.00}. 
I waited 6 weeks for the check to arrive, but I never received it. I called XXXX again, to see what the status of my refund check was. After waiting on the phone and being transferred around for over two hours, I was told that no one could currently help me, and that someone that could help me would reach out within the week. No one ever reached out. 
In XX/XX/2023, after receiving no refund check and no follow-up, I charged back the {$110.00} to XXXX using my XXXX credit card. I gave them all of the details I've provided you here. After a month or XXXX, XXXX completed their investigation. They sided with me, and I received {$110.00} as permanent credit. 
On XXXX XXXX XXXX, I received a letter from CCS USA XXXX Credit Collection Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, stating that I owed {$110.00} to XXXX. CCS states that this letter serves as a notice that this adverse credit information is scheduled to be reported to one or more of the three major credit bureaus. 
XXXX / XXXX never reached out to me to try to collect the {$110.00}, or to ask me why it was charged back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on NCB MANAGEMENT SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
I submitted a dispute in XXXX of 2023 and since then My access to my online report has been taken away. Transunion will not let me access my free credit report online. This has happened numerous times after I submitted a dispute. This time I have not been able to access my online credit report for over two months. I call customer service and nobody knows anything telling me to submit a dispute by mail. I should not have to do that when I have the right to do it online. 

I also found over XXXX inquiries on my credit report most of them 3-4 duplicates from the same companies, this is only on my Transunion credit report. I tried to dispute them as I did not make them Transunion locked me out of my account after the dispute and I could not access it for weeks. This is a problem with Transunion and Transunion only.

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 2023-08-09
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:
I submitted complaints to these CRA 's over 30 days ago and I have been told several times over the phone that they have not received my complaints so I am attaching them for confirmation that they actually receive them and do investigations this time. 

These CRAs think that they are above the law and do not have to comply with Fair Credit Reporting Act nor XXXX XXXX Compliance Standards. Their credit reporting is not fair nor equitable for the consumer being reported on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Title365 Holding Co.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2021 I received a letter from XXXX XXXXXXXX stating my mortgage was increasing from {$1000.00} to approximately {$1200.00} due to my escrow have a XXXX negative a balance. I contacted Mr. XXXX, a manager at XXXX XXXXXXXX confirmed that the was accurate. I then contacted the XXXX County, OH Treasurers Office and they informed me that my real estate tax was not paid this past XXXX when I refinanced my home but was paid this past XXXX. The treasurers office did inform me that my property tax had increased this year which I was already aware of. 

I then contacted Title365 who also sent me a check for {$2200.00} back in XXXX or XXXX of 2021. I spoke with XXXX and he told me that " I should not have received that money because it is a VA loan, and it came out of my old escrow account. '' SO, I asked him who was at fault, he said, it was our fault. " ( Title 365 ). Thus, leaving me with a negative balance and to make up that balance, I would have to either make a payment of {$2300.00} to immediately get my escrow in the black or pay an extra {$210.00} plus my mortgage for the next 12 months. This action has put a strain on my finances. 

On Monday, XX/XX/2021 I spoke with XXXX XXXX the funding manager for Title365 and apprised him of the situation. I explained to him that I should not be penalized for their mistake. He told me, " since you received a check from us that should have raised a red flag. '' So, in essence he is putting the blame on me for his company 's mistake. Additionally, he offered to pay the fees and penalties for the late real estate filing which he did not give me an amount. I told him I do not know real estate laws and over 75 pages to look over during signing, anyone who is not in the business can miss something. If this was a reputable company, they should make it right. Finally, if they are willing to pay for the fees and penalties, then they can pay the entire amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-08-09
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:
I contacted the company and the advised me to contact XXXX for removal ; When contacting the XXXX they advise me to file a identity theft on XXXX. I sent XXXX, XXXX and Equifax the report and additional documents and they advised the amount from XXXX XXXX XXXX Balance {$25000.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$2700.00} fraud accounts will be removed i submitted all documentation and they close the investigation stating everything was verified as accurante.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/2019 I told Paypal to send {$780.00} to my XXXX account from my XXXX account. However, I was charged {$850.00} for the transaction by the bank because my account is in USD and not PLN ( even though I was sending USD to USD ). After noticing this I contacted PayPal from my XXXX account to refund the {$780.00} that was originally sent. Today when I viewed my account it shows {$770.00} was returned out of the {$850.00} that was originally charged. When I spoke to my bank, they stated that the merchant did not process the transaction correctly and therefore the refund was processed as a credit verses a refund. PayPal need to Refund my account under the same transaction ID the payment was made in order for me to get all of my money back. Or at least take responsibility for processing the refund incorrectly and give me the {$80.00} I am missing from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
.its impossible that all XXXX of them ( XXXX  XXXX XXXX, transunion XXXX can verify that this is an accurate if there information is missing within all XXXX of them and are not matching. 

under the FCRA i am entitled to a 100 % and accurate reporting and that is not the case here as information is missing and does not match in a case where one says account closed and the others says open, the date of when it open dont match and the date of last activity says other wise as well and does not show when the last dilequency i missing in the other XXXX and shows in one and not the rest which shows a major reporting error within XXXX  XXXX XXXX, and transunion XXXX or could be the reporting error with the debt collectors reporting as well the amount is in accurate for the debt collector is not suppose to charge me with the hold over rent stated in the court document witch the debt collector does not want to adhere too

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 2021-11-09
Company: Consumer Portfolio Services, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, XXXX XXXX XXXX, is reporting late, yet it is close and the balance is {$0.00} as reported. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor delete this complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Back in XXXX of 2022 i had identity theft issues & there was fraud on my XXXX checking account as well as my bank of America accounts

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