BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-20
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:
I'VE BEEN HAVING ISSUES FOR OVER A YEAR DEALING WITH ACCOUNTS APPEARING ON MY CREDIT REPORT THAT ARE NOT MINE AND IT SEEMS LIKE THE CREDIT BUREAUS ARE NOT WILLING TO HELP TAKE CARE OF THE MATTER.

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 2020-12-30
Company: Experian Information Solutions Inc.
State: IL
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:
Dear Experian You have constantly stated " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' This is a LIE i have sent you several disputes regarding this matter and you CONSTANTLY use STALL tactics claiming I am not who I say I am. THIS IS XXXX XXXX XXXX sending you letters and complaints through the CFPB. I have provided you with MY DRIVERS LICENSE FOR IDENTITY & MY UTILTY BILL FOR PROOf OF ADDRESS. XXXX XXXX  acct # XXXX & Experian did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A )

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 2023-07-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax, XXXX and XXXX are reporting inaccurate information on my credit report and is causing a lot of hardship. I contacted them via certified mail to dispute inaccuracies and they continuously send me letters that the accounts are verified when I request proof, but they refuse to remove based on some nonfactual information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my formal complaint that the credit Bureaus ( XXXX, TransUnion and XXXX ) are reporting an inaccurate and incomplete information on my credit report. In accordance with the fair credit reporting act XXXXt account # below has violated my rights.These account notation of the following late payments is inaccurate. I have never been late. 

15 USC 1681 section 602 States I have the right to privacy. 

15 USC SC1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a an account without my written instructions. 

15 USC 1666B A creditor may not treat a payment on a credit card account under a open in consumer credit plan as late for purpose.

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 2022-05-25
Company: Experian Information Solutions 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:
Applied for credit card on XX/XX/2021 with XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Alorica Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX suddenly transferred or sold my debt owed to them to an unknown third party. That third party contacted me to attempt to collect payment on the account, for which I was behind payment on. They asked for a promise to pay, and I told them I would be making a full payment including past balance on XX/XX/2023. They said they would make a note to file. I asked if they were going to close the account before then. They said they could not provide that information. This week, they apparently closed the account. I called them on XX/XX/XXXX, the moment I found out, and their phone system said that they were having technical difficulties and hung up. I believe XXXX misled consumers and sold accounts to a malicious third party in order to avoid bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My wife and I are apparently victims of id fraud resulting from the XXXX Equifax data breach. We have attempted to obtain data from Equifax regarding apparent discrepancies in our data. When we try to access data, they always ask us a ridiculous number of questions that have absolutely have nothing to do with us and then refuse to do nothing for us.Of the three credit agencies, Equifax is the only one that gives us trouble. We believe that possibly someone has given fraudulent personal information about us and Equifax has loaded that false information into their database. We are unable to give examples of the bad data because Equifax has repeatedly refused to provide us with our credit files because we answer their asinine questions wrong. Our credit rating with Equifax is very low, yet it is above XXXX with the other two agencies. My wife was recently turned down for an auto loan because of erroneous data in her Equifax file, yet Equifax was reporting her credit score to be XXXX. This was reported in a letter from XXXX XXXX XXXX on XX/XX/XXXX. A similar letter was received from XXXX XXXX of XXXX SC on XX/XX/XXXX. Ditto for XXXX XXXXXXXX XXXX on XX/XX/XXXX. Fraud alerts were filed with all 3 credit reporting agencies on XX/XX/XXXX, and an ID Theft report was filed with the TPC at the federal government today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX under Account # 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 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 non-monetary relief
Consumer complaint received 2021-10-20
Company: GUARANTEED RATE INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Guaranteed Rate Mortgage company is saying I owe them {$150.00} for a drive by XXXX appraisal I never ordered nor was I made aware of. I was told by XXXX XXXX he could not help me with my mortgage a month later I took care of lien problem that was preventing XXXX from closing. His assistant told me she would be in contact. she never contacted me after two weeks I went with another company now I am getting soft credit pulls and a bill I was completely unaware of for {$150.00}. They never informed any such thing would be done or needed to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: CT
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 have been disputing an old account with the bureaus. There is an account with XXXX XXXX for which I requested the payment history directly from the company and they have yet to respond to me. That was XX/XX/2020 and yet they supposedly respond to the bureaus. XXXX is showing that they validated the information however how can an account be 90 days late without ever being 60 or 30 days delinquent? That is just common sense!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Identity theft report from the federal trade commissions report numbers # XXXX, # XXXX. Under the FAIR CREDIT REPORTING ACT XXXX is obligated to provide accurate verification within 30 DAYS of being notified by a consumer of inaccurate/ fraudulent related accounts being reported on their credit file. It has been over 60 days and XXXX has and continues to violate the Fair Credit Reporting Act. The data furnisher which they use or e-oscar automated verification system only verifies a consumers name, social security number, and address. Any individual who has access to my personal information as such would easily be able to impersonate me and commit identity fraud. Transunion has not provided me with any physical documentation obligating me to these fraudulent accounts ( XXXX XXXX XXXX # XXXX, Office of Attorney General # XXXX. I have provided more than sufficient supporting documentation to Transunion but yet these fraudulent accounts yet still appear on my credit file. For the past several months I have be in touch with Transunion consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Transunion numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question. Transunion has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Transunion has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of Method of Verification Requests were ignored by the company several times since XX/XX/2022. 

XXXXXXXX XXXX XXXX XXXXXXXX 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 2021-10-20
Company: EQUIFAX, INC.
State: GA
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:
All three credit bureaus are violating my rights under the FCRA, and also the they are no complying with the 60 day investigation parameters set fourth by CFPB. I have tried 3 different times this year to get the credit bureaus to update my information. Each time i have submitted a complaint with the CFPB, I get no help. The bureaus have given me the same answer for all 9 of my complaints. That they are still investigating my results. After 9 months. The are still investigating my results. They are stalling. I will be also submitting a complaint with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2022-05-05
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called Huntington Bank today to close my account but they refused to close it saying I needed to come into a branch. I opened my account online and do all my banking online. It is unreasonable for Huntington to require me to appear in a branch to close out a checking account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: MD
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 am a natural person I'm a living human being I have rights under XXXX Equifax is govern by XXXXand they violated my rights numerous of times. On XXXX XXXX XXXX reported a fraudulent account saying I owe XXXX to a company that fail to turn a service off after I discontinued the service and another company I don't even use XXXX and they reported I owe them {$760.00} and I haven't opened up an account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This dispute is for an overcharge by XXXX. 

I bought a XXXX XXXX  for {$320.00} on Wayfair order XXXX. I had {$230.00} in rewards points/credits on my Wayfair account from my Wayfair/Citibank credit card XXXX So during check out, I applied the {$230.00} points to the {$320.00} item which would be {$97.00} total plus tax ( 8 % is {$7.00} ) on the {$97.00} = {$100.00}. This is what I authorized to be charged on my card XXXX XXXX credit card during check out which is what i used to pay the difference. 

However, I find today that Wayfair charged {$350.00} ( {$320.00} plus tax ) to my XXXX XXXX card and did not apply the {$230.00} in rewards/credit as it was when I checked out during the purchase. I have been over charged {$250.00} because they refuse to apply my Wayfair points. 

I have also advised XXXX that I am unable to use any points during check out and there is something wrong with my account. My pleas to resolve this go unanswered. 

I called Wayfair customer service line at XXXX who told me that they could not help me and that my account would be handled by the " XXXX XXXX XXXX ''. I asked that the XXXX XXXX XXXX call me due to my XXXX in accordance with the Americans with XXXX XXXX. Instead someone by the name of XXXX XXXX from Wayfair started to email me and refused to apply the Wayfair points/credits in my account giving no reason why. They asked for documents showing the points on my XXXX account and I gave them the same as I am giving you here. XXXX XXXX just closed the case and did nothing to fix the overcharge or apply the Wayfair points. I spent four hours on the phone and in emails with Wayfair and they refused to correct the overcharge. 

I did NOT agree to the {$350.00} charge on my XXXX XXXX credit card, it just showed up on my XXXX account today. The correct amount I was to be charged for this item was {$100.00} NOT {$350.00}. 

Not being able to use my Wayfair credit card rewards is a violation of the terms and agreement of the Wayfair credit card issued by Citibank N.A.

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 2021-10-21
Company: LendingPoint Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In XXXX of 2021 XXXX XXXX put a late payment on my account. This was an auto bill pay issue and they recognized this on their end because they closed the account then reopened it when I disputed the issue with an account manager. They sent me a letter saying they changed my billing structure on the account but never removed the late payment that was associated with the same issue. It just popped up on the two other bureaus and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: JPMORGAN CHASE & CO.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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  Account # XXXX, XXXX Account # XXXX, Bankruptcy Account # 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 instructions

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 2020-04-07
Company: Experian Information Solutions Inc.
State: TX
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:
Due to the recent COVID 19, I applied for a payment deferral for the month of XXXX and XXXX due to my work hours being cut in half. The deferral will not granted until XX/XX/XXXX. I was advised by the XXXX XXXX personnel from XXXX XXXX XXXX XXXX to file a complaint to remove the negative mark from my credit.

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 2023-01-17
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:
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 Balance : {$560.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX 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 2023-11-20
Company: FISERV INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was hacked

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