BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-05-03
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: Experian Information Solutions 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 XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-07-05
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
- I recently ( summer 2019 ) initiated a loan payoff from Lending Club 's website ( www.lendingclub.com ). 
///// - I was given a clear payoff amount, with no disclaimers that this was not the preferred way to pay off a loan. I have screenshots to back this up. 
///// - The payoff amount indicated that this would cover 100 % of what I owed Lending Club. 
///// - The payment history on my account reflected the payoff amount, including interest, to the loan. 
///// - When I logged into my account after the full loan payoff amount was posted, I was shocked to see an additional interest charge that meant my account was not closed. 
///// - When I emailed and called Lending Club, they were adamant that I should have gotten a disclaimer indicating that paying a loan off online was not possible. Or that if it was possible, I should have received notification that the payoff amount was not accurate. I find this difficult to believe because : ///// - - 1 ) The agent gave conflicting information ( that it should not have been possible, and then that I should have gotten a notification that it's possible but not accurate ) ///// - - 2 ) The agent indicated that their " internal systems '' showed the correct amount, and that the web UI is not accurate. I find this alarming, and fraudulent. 
///// - - 3 ) The agent indicated that the loan payoff amount was for principal only, and did include interest. This is false, as my payment history for the loan payoff amount includes a breakdown of exactly how much interest was included in the payoff payment. 
///// When I submitted the payoff payment, I was given a congratulatory screen indicating that all was good, and that I had successfully paid off my account. 
///// Lending Club has began to answer my inquiries by telling me that they are recording my calls and are from the " Debt Collection Department '', which seems quite aggressive considering I paid of a 3 year loan in under 6 months. 
///// My opinion of Lending Club is that they are quickly headed down the path of predatory lending practices. 
///// Additionally, in their help center online, they indicate that paying a loan off online is possible and includes interest. 
///// > If you're ready to pay off your loan, congratulations! That's a big financial achievement. You can make the payment right from your account. The payoff amount includes your remaining principal balance and interest. Once you pay off your loan, you wont owe any additional interest and your monthly payments will end. 
///// XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-16
Company: Experian Information Solutions 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVE THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I started a auto repair business and opened an account with Square to invoice and accept ACH payments and I invoiced my customer for {$1900.00} on XX/XX/XXXX and they paid that day through ACH it cleared on XX/XX/XXXX and once it did I went to transfer it to my bank account and then I received a message saying they needed more information so I resent my ID, Social security card and 3 months of bank statements along with my return policy and they said that was good and they just needed to review and confirm and in the meantime I can still accept payments etc. the next day I received a message saying that I can no longer use there services and my account is frozen and all money in my account will remain with them for 90 days. I tried to refund my customer and it wont allow me to even though the letter states I can. Im just starting my business and now I am unable to purchase materials needed to do the body work for a customer that has already paid.I have called repeatedly and they tell me there is nothing they can do and say someone higher up will call me and no one does. Now they have my phone number flagged so if I call I can only get a automated message so I have to call from different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 168XXXX 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 XXXXXXXX has violated my rights. Or list of inquiries 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 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.

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 2022-11-01
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-11-01
Company: EQUIFAX, INC.
State: MA
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 haven't been working for a couple of years due to XXXX XXXXXXXX, and since I am recovering. Thinking about returning to work by XXXX ; hopefully, all goes well. I decided to check my credit report in order to know my credit scores before applying to a company based on a human resource expert 's advice. After reviewing my reports, I realized these inquiries that I didn't authorize on my credit reports. I called two of the bureaus, but couldn't get through because it takes longer than I expected. I decided to immediately file a fraud report because it was fraudulent. It wasn't authorized by me and I have no clue why. 
These are the inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-25
Company: EQUIFAX, INC.
State: TX
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:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received some deposits from my military benefits. In the month of XXXX PayPal allowed my account to be used for buying crypto by someone other than me. I disputed them through the app, when I went to check the status of the dispute there was no open or closed case. I called PayPal and they opened a case but closed it in approximately an hour saying that the XXXX transactions are consistent or something. I will NEVER use or buy that amount of XXXX PayPal cant even tell me where that money was sent. I need my money back because I live off of my XXXX check and the first time I deposit my checks into that account I get taken advantage of. PayPal needs to take a deeper look into my account and refund my money. I do not care if they close that account but I will not stop until I get my funds back. 
Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed my account on XX/XX/XXXX. Ive called them multiple times and every time they say should finish the final find release in 10 days. Right now its been over a month and still havent received my check. The only thing I received is a summary of the account, which was on XX/XX/XXXX, and the last statement is the check is made and the account funds turned to XXXX. 

I even went to the bank to ask when will the check be mailed and they say they have no idea about the process. Everything seems to be hidden and dont know whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have applied and received small business credit card with Sun Trust Bank with 12 month interest free offer and signed up for e-statestement. 

Due to covid conditions, i couldn't see their postal mail sent with credit card bill on time in the first month of making a purchase. The credit card portal doesn't have a way to pay the balance in it. I have to pay from my other account using bill pay, which causes additional delay in posting the payment. 
Later i reached out to the customer service and explained the situation and requested waiver on the fees and setup a payment every month with the assurance from the customer service representative, i would not incur fees or financial charges and my interest fee offer is reinstated. 

I continue to get postal mail statements with interest charges, but after logging into the credit card portal i saw my balance and fees were XXXX ( see attachment ), assuming that the system adjusted fees based on what the customer service representative told me in the call. 

I continue to get statements with interest and fees for the remaining balance, i called the customer service again to check if interest and fees were charged to my account, the person on the call confirmed, charges were occurring every month and they asked to reach out my branch to resolve the issue. 

I reached to the branch, with the same information. I was asked to wait until an internal enquiry on this matter completed. Today i was told, the interest charged on my account can't be refunded but the 0 % interest offer can be reinstated. 

I am frustrated with the banks approach towards customer, by not providing clear details in the call and gave wrong assurance that interest will not occur and credit card portals showing XXXX balance over the past months caused financial loss and stress to me. 

My statements above can be validated with banks recorded conversation that they have with me and the attached statements from credit card portal.

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 2022-10-31
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:
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 need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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