BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 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 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 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 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 2023-01-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX XXXXXXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy. - 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I sent a letter regarding inaccurate accounts, inquiries 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 XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX breach and may have got into the hands of the wrong person. I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have XXXX XXXX left to remove the following accounts completely from my 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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX **** Balance Owed : {$350000.00}, XXXX XXXX **** Balance Owed : {$9600.00}, XXXX CARD XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXX Balance Owed : {$1300.00}, DPT EDXXXX XXXX Balance Owed : {$120000.00}, XXXX  XXXX Balance Owed : {$10000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was recently called by Santander after they had called a family member, and discussed my debt to her. The mediator for Santander stated that he would find me, and I had a debt from over eight years ago that they would try and collect. They said my account was started back in XX/XX/XXXX, and XX/XX/XXXX. I have not paid anything to them, which would restart my account. I told them the debt is eight years old, he fought with me about the money owed, and I would be sued for the balance and lawyer fees.

I did notice that Santander did check my credit report twice, which I do have screen shots of the dates, and has watched my account. The mediator stated they would serve me papers of a lawsuit against me if I didn't pay, and that I was becoming angry with him. I did not yell, become mean, or say anything negative towards him.

The mediator did raise his voice, stating again, " I thought you would work with us, I will just look you up, and send papers to you for court. I tried to make this offer to you, but we will just serve you ''. I said, " That is fine, I did not become angry with you, I simply stated facts, and I will deal with this once you serve me ''.

This is a debt from XX/XX/XXXX. Yes, I wish I didn't have to go into debt, but life happens. You lose jobs, family dies, and you are forced to move. This has made my days since then stressful, and I am constantly thinking about the rude man I talked to. I have researched the statue of limitations for this, which are six years, and seen that this was the website to seek protection against collection agencies that have no grounds from there penny on the dollar debt buys. Below are four files, two talking with legal aid, and the other two from my credit report showing Santander monitoring me for years ( XX/XX/XXXX, XX/XX/XXXX ). Hard inquiry into my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$750.00} XXXX Inquired on 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 2022-05-18
Company: U.S. BANCORP
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:
U.S. Bank Hard Inquire on XX/XX/2022 ( XXXX ) XXXX call yesterday at XXXX XXXX. XXXX stated that there was no information with my name and social. Instructed me to report it to XXXX XXXX to remove this item. 
XXXX. XXXX Hard Inquire on XX/XX/2022 ( XXXX ) XXXX call yesterday at XXXX. They as well don't have any information in my name or social. Contacted XXXX XXXX to remove this item. 
XXXX XXXX XXXX XXXX Hard Inquire XX/XX/2022 ( XXXX ) XXXX. Calle them today at XXXX XXXX  as the other inquires they all so don't have any information on me. Contacted XXXX XXXX to also have this item removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit 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 non-monetary relief
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am attaching relevant information regarding the agency. This is NOT a duplicate report, as they gave a " canned '' answer to the last filing, saying they did not have specific information despite it being provided dozens of times. They continues to report a " XXXX XXXX '' account despite it clearly being fraudulent, as well as a XXXXXXXX XXXX  account. These items should be blocked if the company will not do so itself. There is CLEAR OVERWHELMING evidence that I was a victim of widespread fraud. 

I am also attaching several letters addressing other fraudulent accounts where XXXX XXXXXXXX  and XXXX have noted the items are fraud and I should not be held responsible for them. They include XXXX, XXXX, XXXX and XXXX XXXX accounts. 

There are also multiple POSITIVE items missing from my report. I have contacted XXXX XXXX as they have two cards and only one is being reported. They are sending BOTH cards to all three agencies. 

I have also called XXXX and they are reporting to all three agencies but all are not reporting that account. 

These would help my scores as I have never missed payemts, etc. 

I have attached those accounts as well.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX Inquiry : 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 2023-01-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have submitted several complaints in reference to some late payments on my account. Nothing has been done for this issue.

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 2022-02-04
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received an email last year approximately in XX/XX/2021 from XXXX stating I am eligible for an upgrade on my XXXX since I paid over half the total cost of the XXXX. So just to give some background to my complaint ; I used a company called Affirm to finance a XXXX XXXX. Once I got the email regarding upgrading my XXXX XXXX to another XXXX. I took of advantage of the upgrade. So I receive a email with all the shipping/labeling instructions. I shipped the XXXX XXXX back and got a confirmation email from a company called XXXX that the phone was received and evaluated. Unfortunately, after the 30 days passed before the balance was paid off. I am still receiving emails and text messages from Affirm requesting payment toward the XXXX XXXX that had been shipped and received in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: ZARVAD III S.A.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been trying to pay this loan off since XX/XX/XXXX. My mother was paying it off for me we sent the info needed and her bank released the money they thought it was a fraud at first. But this company says its declined. I tried to pay today with my paycheck card and they say it declined which is not true the money is there. Everytime Ive tried they say it doesnt go through. They are charging me XXXX everytime they say it declines and a XXXX late fee every two weeks. So my loan that was XXXX is now XXXX.. of course they dont want you to pay it off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: MID FLORIDA FINANCING LLC
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: Old information reappears or never goes away

Complaint:
I already submitted the payments to bring the account to a XXXX balance. In addition, I was promised if I make the payments my credit history won't be affected. Still today the XXXX account shows in my credit history.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There was a balance left on my Macy 's Credit card account in XX/XX/XXXX. I never received a bill. I received one email notification in XX/XX/XXXX in which the account was already charged off and in collections. I disputed this information multiple times with Macy 's directly but they did not help or send information. I finally disputed this information with the CFPB in XX/XX/XXXX, and finally received a letter from XXXX XXXX in the executive office. She sent me copies of all of my statements. This was my first time seeing all of them in XX/XX/XXXX. 

This debt stemmed from a {$13.00} purchase of a satin hanger in XXXX XXXX on XX/XX/XXXX. I do not live in that city. I did not purchase a {$13.00} satin hanger, that is an unnecessary purchase. I did not use this card at all in the year of XXXX in which the statement shows. I want to say I hadn't used this account in almost two years. This entire debt that is being reported stemmed from this {$13.00} of a satin hanger that I did not make. The remaining {$240.00} are just strictly fees and interest charged by Macy 's. There were no other charges on the account that entire year. I had disputed this balance before directly with Macy 's and was told that this was a balance left on the account, not that there was a satin hanger charge. 

I mailed XXXX XXXX from the executive office a reply that this was not my purchase by certified mail XX/XX/XXXX and did not receive a response. I called Macy's/Citibank Recovery Solutions to present this information that this was not my charge and I did not purchase a satin hanger. I spoke with an employee ID number : XXXX on XX/XX/XXXX. She told me this debt was past the statute of limitations and they refused to research the account or even look into my claim of fraud because they would not be collecting on the debt. She also declined to transfer me to her supervisor due to their 2-minute hold limit and ended the conversation. 

This debt is not mine. The company refuses to research the account to see where this purchase stemmed from. I never purchased a satin hanger in which is the basis of this entire debt. They keep telling me they are not collecting on the account, but are still reporting it on my credit report. 

This account needs to be deleted from all three of my credit reports. This is not my purchase.

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