BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2022-05-14
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 do not recognize these unauthorized charges and accounts on my credit report. I have been back and forth with the companies and no resolutions. Please remove all fraudulent accounts from the credit report of XXXX XXXX, and Transunion. 

The first account is XXXX XXXX XXXX reported a balance of {$0.00} opened on XX/XX/XXXX. 
The second account is XXXX XXXX opened XX/XX/XXXX balance {$670.00} The third account is XXXX  XXXX opened XX/XX/XXXX balance {$750.00} The fourth account is XXXX XXXX XXXX opened XX/XX/XXXX The fifth account is XXXX  XXXX  XXXX XXXX opened XX/XX/XXXX balance is not at {$0.00} The sixth account is XXXX XXXX XXXX  opened XX/XX/XXXX balance is {$180.00} Please remove immediately from all XXXX credit reports these were not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-11
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am filing this complaint to TRANSUNION for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. 
As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.

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 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT the following collectors are in violations of my rights as an consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} also FRAUDULENT INQUIRIES FROM ALL Credit Bureaus. I have provided an FTC identity theft report with the 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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Above inquiries appeared on all three consumer credit reporting agencies ( XXXX, XXXX and Transunion ) XXXX 

With the exception of XXXX ( I have both an auto loan and consumer credit card with them. ), I do not have an account nor have ever applied for credit from any of the above creditors. I contacted XXXX ( XXXX ) to inquire why all of these hard inquiries are on my consumer reports. They stated that they were applications for their business credit card. I informed them that I did not apply for their business credit card and to please remove the inquiries. Any applications are fraudulent especially with such frequency. XXXX said they would look into the matter and would make a determination within 60 to 90 days. I asked them for a letter stating this fact so I could forward it to the credit reporting agencies and hopefully expedite the process of removing the inquiries. They said they could not furnish me with a letter. The same situation exists with XXXX XXXX. I contacted XXXX XXXX XXXX  and they stated that they have no record of me applying for any of their credit products however, a hard inquiry is present on all three reporting agencies. They too said they could not furnish me a letter since I don't have an account and have never applied for one. I have contacted each of the consumer credit reporting agencies multiple times by phone as well as sent letters via USPS and via fax ; disputing the validity of these hard inquiries. In addition, I initiated an internal online XXXX dispute dated XXXX Confirmation number : XXXX which resulted in XXXX " verifying '' the inquiries except for the XXXX ( XXXX ). The XXXX inquiries were removed from XXXX. XXXX also put a fraud notice on my account and mailed me a notice of such as well as informing the other reporting agencies about the fraud notice. I'd like to know how XXXX can verify some accounts and not the others. Such as the XXXX XXXX bank which admits they don't even have an application or account on file but XXXX and the others " verify '' the inquiry. I have demanded that each consumer credit reporting agency give me PROOF of their so called " verification '' and not one has ever done that or even responded to my letters. 

I have also sent letters via USPS directly to the creditors demanding that they take action to correct the problem or be subject to legal 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 explanation
Consumer complaint received 2021-09-15
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
So my car was repossessed back in XX/XX/2020 and Ive been paying on this car for almost 3 years. I was pulled over and found out that my car registration is no longer valid because when my car was repossessed the car was never put back in my name. Now Im having a hard time getting the company XXXX to send me the title paperwork to get my registration back on my car. Im still Making payments on my car but cant drive it. Its been 2 weeks and they are still not telling me what the hold up is. Ive been renting a car and I cant afford to keep doing both.

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 2022-05-14
Company: Experian Information Solutions Inc.
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructio
ns

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The Credit bureaus stated that my account with XXXX XXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal from my credit report. The XXXX  and my state Attorney General 's office have also been contacted regarding this matter. 

They have also violated my rights under 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 States that any consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items 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 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a 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 non-monetary relief
Consumer complaint received 2022-05-14
Company: CNG HOLDINGS INC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of the Great Flood in Louisiana XXXX XXXX. The furniture I purchased was submerged under water and was considered a total loss by FEMA. Since then the balance of the purchase has tremendously affected my credit. The lease did not state anything about natural disasters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
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:
This was the remaining items that I need to DELETE from my credit reports. Yet none, of the credit bureaus do the job well. And I was hoping that they will remove them like the way they did with my previous first request, however, they didn't and I am trluy hoping that the TransUnion will REMOVE this account the way the bureau did, but no. Now, I'll sincerely ask the Credit Bureaus to once more please help me in removing FRAUDULENT ITEMS from my credit reports. Please see the items below : XXXX : XXXX XXXX XXXX  XX/XX/XXXX XXXX : XXXX XX/XX/XXXX TRANSUNION : 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 2021-05-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Unexpected or other fees

Complaint:
I received the check. My name was spelled wrong it caused every major bank to deny my check deposit I ended up going to a XXXX where I ended up spending over {$2000.00} in fees due to a mistake on the end of hsbc. I want the check to be reissued by hsbc with hsbc funds due to this careless frustrating headache Ive endured for over half a year. I want them to resend the {$20000.00} to me using their money because if it wasnt for them I wouldve never experienced any financial hardship. That video I sent should count for some type of evidence against them in my claim. I have been wronged and I expect to be redressed immediately. There has to be some kind of consequence for corporations that break the law. I suggest the federal governments all over the world seize and control all financial corporations to make sure they all follow the rules to ensure the safety of the corporations and especially the consumer. Nobody is above the law I mean nobody. 







I have proof of being mislead, misinformed and, I also have proof of hsbc denying me my inalienable rights deliberately for capital gain. I deserve to be redressed and hsbc deserves to be disciplined for the inadequate unacceptable shoddy workmanship I have endured. Nobody is above the law not even banks. I do not deserve this type of treatment. I should never be deliberately victimized by anyone especially hsbc or anyone like them overly for capital gain. Im forever scarred from multiple banking experiences involving these majors corporations breaking the law for capital gain. I honestly want millions of dollars. I mean I know you guys cant give me legal advice but I do believe in America and Justice I do also believe the cfpb will not stand idle and let this type of corporate corruption affect innocent unwary American civilian in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I deposited a United States treasury check for a XXXX disaster loan in the amount of {$25000.00} to make repairs on my home after it was flooded in a since declared disaster area of XXXX XXXX in XXXX. On XXXX XXXX  I attempted to log into my citibank checking account and it would go thru. I called the bank and was told that the check is not a usual check they see and they can't verify so they will make my account inactive and ultimately close my account and my money that was already in that account will be mailed by check in 30-60 days. The whole purpose of this loan was to fix my house and now not only do I not have the loan, but they have my money that had nothing to do with transaction. I have mortgage and car insurance payments that need to be made like today. This is not how to handle a business. Take a legit check and making it an issue for no reason. I live paycheck to paycheck. I do not have supplement funds available to me to hold me over 2 months until they decide to mail me my money that was in that account before any of this.

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 2022-05-14
Company: EQUIFAX, INC.
State: MI
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 reporting act XXXX  account number XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, Dept of Ed Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 sec 602 A. states i have the right to privacy. 15 USC 1681 Sec 604 A Sec 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 2017-12-08
Company: National Credit Systems,Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Credit Systems is reporting on my credit report with XXXX, XXXX and XXXX. I have disputed this item and sent National Credit System a debt validation on XXXX XXXX, XXXX. National Credit Systems has not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: LEXISNEXIS
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a Bankruptcy reported inaccurately on my XXXX and XXXX account. Both XXXX and XXXX claimed that the information was verified with Lexis Nexis. However, I've suppressed my Lexis Nexis ( and have the confirmation letter below ) months before requesting the removal of the bankruptcy and they ( XXXX, XXXX ) managed to still get information from Lexis Nexis. This in violation with FCRA regulations and I'm requesting the Bankruptcy reported on my XXXX and XXXX account be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions 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:
For the past 6 months I have been trying to get Experian to erase a fraudulent XXXX account off of my credit report. I have tried calling, mailing, and online disputes. I have a FTC identity theft report and a police report. They refuse to take this account off of my credit report and informs me the information is accurate.

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 2023-06-02
Company: GOLDMAN SACHS BANK USA
State: CA
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:
On XX/XX/23 I placed an order ( XXXX ) on XXXX for a laptop and related accessories. The purchase was made on my AppleCard credit card. XXXX shipped XXXX packages, XXXX with the laptop and the other with accessories. The laptop was never delivered to me but the accessories were delivered. 

The laptop package was supposed to be delivered to my home but it was not. XXXX  site ( tracking # XXXX ) indicates the package was diverted ( not at my request ) and delivered to a XXXX  store in a neighboring town ( XXXX XXXX XXXX XXXX, XXXX, CA ) and that it was picked up there. At the same time that the laptop was apparently picked up in XXXX ( XX/XX/23 at XXXX ) the second package ( tracking # XXXX ) with accessories was delivered to my home where I accepted delivery in person at XXXX on XX/XX/23 ( this package shows as pending delivery on XXXX  site ). 

I reported the theft of the laptop to the local police department and the police report was completed on XX/XX/23 ( case # XXXX ). 

I have tried to resolve this issue directly with XXXX numerous times since my initial call on XX/XX/23. Today, I called XXXX to obtain an update on my refund request and was told it was declined on XX/XX/23 and that it was communicated to me by email. I never received any written or verbal communication from XXXX that my refund had been denied until today. 

I am asking for a reversal of the credit card charge ( {$2400.00} plus tax ) and a refund of the payments I have made to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: AMERICAN EXPRESS COMPANY
State: NY
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 hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by American Express on XXXX XXXX 

I want to clarify that I have no knowledge of any transaction or business association with American Express, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.

Company response to consumer: Closed with explanation