BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to file a formal complaint against the credit bureaus XXXX, TransUnion and XXXX regarding their lack of response to my dispute letters. Despite my diligent efforts to resolve the issues, I have not received any acknowledgement or response within the required timeframes stipulated by the Fair Credit Reporting Act ( FCRA ). To provide some background, I initiated the dispute process on XX/XX/XXXX by sending dispute letters to the credit bureaus listed below : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In my dispute letters, I clearly outlined the specific errors and inaccuracies present on my credit reports and provided all necessary supporting documentation. However, I have not received any response from the credit bureaus. Despite my efforts, I have not received any meaningful response or indication that my dispute is being addressed. I would like these addresses deleted, but Im being ignored. The non-responsiveness of the credit bureau has had a significant impact on me. Its causing damage to my credit report and Im constantly being ignored by lenders. In light of the credit bureaus ' failure to address my dispute in a timely and appropriate manner, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter. I would appreciate it if you could intervene on my behalf to ensure that the credit bureaus promptly respond to my dispute and rectify any errors or inaccuracies on my credit reports. I have attached copies of the dispute letters I sent to the credit bureau. These documents provide a comprehensive record of my efforts to resolve this issue directly. Should you require any further information or documentation, please do not hesitate to contact me. Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can help bring about a timely resolution and restore the accuracy of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
UNDER THE FCRA UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME WITH A COPY OF VERIFIABLE PROOF, YOU MUST REMOVE THE ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have not received verifiable proof of the listed accounts. Please remove account are negatively effecting me. I will attach identity theft report. 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 non-monetary relief
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: MA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-02-21
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was let go in XX/XX/XXXX left with out pay and I am still waiting in that hearing XXXX board case XXXX. One main I contacted XX/XX/XXXX and asked about unemployment ins. I was surprised to be told I had no coverage. 

So the next XXXX months while On unemployment I pay On time XXXX XXXX runs low I contact branch who then tells me a differing story I go in they set up XXXX XXXX XXXX covered 6 months plus 6 months so XXXX to XXXX payments covered. XXXX XXXX. 
XXXX now covid at it peak a I call to get XXXX nd half but Im told I already used 12 months Not true But they Argue I still pay my bill altogether Im still upset XXXX I notice a pay XXXX XXXX that goes to branch but I had paid XXXX and XXXX so I contact I ask for two month s to be returned. 

They in XXXX I get XXXX They back out all the months I was forced to pay in XXXX after they errored They claim I did not call I did my phone bill shows it Recently XXXX contacts me and stated she would help me get my balance down to were it was XX/XX/XXXX. We had gone back and fourth a year they show 6 months go by where I log in to find XXXX dollars owed Yet They wont admit they did not update their system They back out XXXX Principle its not right its criminal I feel I cant pay until they correct balance and keep in mind I paid even when they error they paid XXXX. To XXXX XXXX to XXXX I was due another XXXX I never paid late until they took my principle XXXX. 
They created the issue someone needs to contact me other Than than me XXXX They say I threatened them its not true I called XXXX a XXXX XXXX after he started playing games They ruin my credit they cause the issue during covid XXXX I wont pay and I want to point out my credit shows paid in time yet they want to charge 213 days of interest But they admit mistakes were made just not all of em How do they re pay XXXX plus XXXX add inters that amounts to what they are admitting they caused Please call me before you accept the lies from thrm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. There are fraudulent items on my report that I did not open or authorize.

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 2021-10-14
Company: ACIMA CREDIT, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 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 2021-10-14
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I received an email from XXXX XXXX ( monitoring ) that my credit account with SYNCB/PPMC ( Synchrony Bank ) had been closed. I was told by a supervisor ( XXXX # XXXX ) after speaking to two other individuals that nothing could be done. How can a company close an account in good standing and damage your credit score without any prior notice ( ie. reduced available credit and closed account mark, which has already reduced my credit score. )??? 

The purpose of available credit is so it's there when you need it...

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 need you to investigate the following account : XXXX XXXX XXXX Account : XXXX I was never late on the paid off account listed. I have late payment reporting in XX/XX/2023 and Im not sure how that is because I have always paid on time. Please show me documentation showing proof of the transaction showing I was ever late to support your inaccurate reporting on my credit report. I have encouraged family members and friends to join you all to reap the benefits of this great company. These late payments have affected me tremendously dropping my credit over XXXX point I have become XXXX  as I seem to never be going to be able to purchase a home. No one in my family owns a home and I want to break the generational curses. This is an INVALID late payment and I ask that those late payments be updated in the payment history to paid as agreed never late ( PAANL ). As the FCRA allow 30-days for this issue to be rectified This is also a violation of 15 USC 1681b ( a ) ( 2 ) ( Ai ) as I the consumer did not provide written instructions to release any information, and doesnt include any information solely as to transactions or experiences between the consumer and the person making the payment. This is also a violation of U.S. Code 6802 ( b ) Obligations with respect to disclosures of personal information meaning that a financial institution may not disclose to a third party unless the financial institution has provided the consumer a notice in which I have not received. Nor was I giving the option to op-out it was only the option to op-in I also understand that according to federal law 15 U.S. Code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Thanks, 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 2023-08-03
Company: NAVY FEDERAL CREDIT UNION
State: TX
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, This creditor has violated my rights. 

Under 15 U.S.C 1681 section 602 States, I have the right to privacy 15 U.S.C. 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: OK
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:
My credit report on equifax only for many months has shown a credit card from XXXX XXXX which I have never had a card from. 

This card does not show up on XXXX or any other agency. When speaking with equifax, they indicated I had to speak with XXXX XXXX about it. 

I have called multiple numbers at XXXX and have been told by many departments they can not find my social, my old addresses, my name, and birthdate, or any other information, however when Equifax checks ( With whom I have filed multiple disputes ) they say that XXXX is reporting I do have a card with them. 

I have even sent a certified notarized statement that I do not have a card with them. 

I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CARD Corporation
State: NV
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:
I received a XXXX withdraw on my prepaid debit card stated XXXX reverse transaction bc consumer. The prepaid card company stated it was a atm error from XX/XX/2023 from when i went to the atm and never recieved XXXX but the atm said i .did The withdraw from the prepaid card services was XXXX XX/XX/XXXX. They stated the atm made a withdraw and u took the XXXX out on a different date which means we had tk remove the money from your account. I stated none of thar make sense and I was given cash on the XXXX and the receipt shows proof. Phone rep stated no u didn't withdraw any money on the XXXX it was the XXXX and it's not showing the XXXX but it shows now XX/XX/XXXX so we have to take the money. I said that still doesn't make since and it sounds like it's a excuse to take my money. I said I have had you guys over XXXX  years and this is my XXXX time your company has to fraudulent stuff with my account. I talk to XXXX  bank branch because that's the atm I went to and they stated that reviewed there atm and nothing was wrong with atm and they don't know what the prepaid services card.com is talking about. The prepaid services told me oh well figure it out. I guess your out of XXXX deal with XXXX bank. Again XXXX  bank stated the XXXX is disputedable because I made no error and that card.com is finding an excuse to keep my money. 


This was the original email i sent to the company several time ( Good morning, my name is XXXX XXXX and iam a XXXX XXXX for the state of XXXX. Currently iam a member/card holder for card. Com services. The reason for my email is in regards to a XXXX charge debited from my account worded as manual refund transaction for bc consumer. When I caller card .Com a phone representative stated it was due to a systematic error from a atm. Phone representative stated XXXX  bank notated the account and stated it was a error with a withdraw submission for the amount of XXXX and had card.com withdraw XXXX out my account. Card.com stated it wasn't disputedable, they wouldn't do anything for me and for me to talk to the bank. XXXX phones XXXX  bank first of the incident and then went to a XXXX bank branch. I was in there for XXXX minutes with a branch manager. After reviewing my receipts, bank statements and history of the atm XXXX bank made no real error. They stated XXXX shouldn't of removed funds because even with the error the system still shows it was corrected therefore money shouldn't of been taking out my account. XXXX bank said the charge is disputedable and that card.com shouldn't of stated that. XXXX bank said everything was good in there end and that card.com shouldn't of took XXXX out my account. Respectfully I'm submitting proof and Respectfully asking for the charge to be reverse on my account. ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Duncan Solutions, lnc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX Received a " Notice of Assignment to a Collection Agency '' from Professional Account Management , LLC. for a toll that I paid in full on XX/XX/XXXX ( XXXX  Confirmation # XXXX ). I also have e-mail receipts of contacting XXXX customer service and a credit card receipt of payment, which I tried to attach, but it wouldn't attach. 
I tried to contact company during business hours, gave company my phone number instead of waiting on hold, they did not attempt to contact me. There is no way to contact the company via the website, no email address listed on the bill or website. I refuse to pay for confirmation receipt via the post office for a debt I don't owe in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Totally unexpected I got letters from my bank, USBank, saying they were closing my three checking/savings accounts in 10 business days. The letters to me were delayed by the XX/XX/XXXX holiday such that once I got the letters I now only have 5 business days before the accounts are closed. I spent time on the phone and in person at my branch with Customer Service. They showed me the agreement which says they can close my accounts for any reason at any time. The thing is I have had these accounts and a relationship with USBank for over 25 years. And my credit score and financial history is exemplary. I am shocked and totally confused why they are doing this, and why they will not give me a reason for these actions.

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 2023-06-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I decided to use XXXX XXXX due to a direct deposit promotion that they offered on their checking account. I moved my employer direct deposit to this account and was receiving XXXX-monthly direct deposits of XXXX  to the account. Once I had reached XXXX direct deposits of XXXX XXXX XXXX total ) they promised to deposit an additional XXXX promotion bonus in my account. When at XXXX ( right before the last XXXX was set to deposit ) they inexplicably closed my account. I believe this was a fraudulent and predatory move in order to avoid honoring their promotion. My employer still attempted to direct deposit the XXXX  which didn't work, and my money was lost in the shuffle for quite some time. The company needs to honor their XXXX  promotion bonus ( which can be deposited in the savings account I have with them that they did not inexplicably close ), and compensate me for many hours of trying to solve this / work with my employer and other banks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: KY
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation