BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly unpaid student loan collections for DP OF EDUC and XXXX XXXX partial account numbers XXXXXXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 10, 11, and 12 of the attached credit report. I have also attached a spreadsheet with the account numbers and balances reporting on the collections. ) There was a garnishment for over {$8000.00} on my tax return for collection of these student loans. I originally came to a settlement agreement with the Department of Education for {$1900.00}. I was not aware of any garnishment proceeding until I filed my taxes. I received confirmation from the I.R.S. that this garnishment was from XXXX. I contacted the Department of Education on multiple occasions only to be told that a garnishment was never initiated from them. The fact remains that I was garnished and no one can confirm to me who filed this garnishment even though the I.R.S. said it was from XXXX. I have not been able to speak to anyone further with the Department of Education that can provide me with more information. They are denying they ever garnished my wages. There has been no further communication with me regarding where this money has gone. This incorrect reporting is harming my credit score. Please  remove this line item 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 2023-09-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute these issues with no result. This is the letter I sent to the credit bureaus. I received a letter from your firm stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed via certified mail, I will file a complaint with the Federal Trade Commission against your company. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-03
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan of {$1000.00} with my bank and the terms of the loan were they would release {$200.00} initially and {$800.00} when loan was paid off. I paid off my loan on XXXX and was told the process for the {$800.00} would.be credited to my account by the XXXX business day. I contacted the bank on the XXXX business day and was told the transfer was rejected by the bank and has not provided a resolution

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am contacting you to request the removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this would constitute a direct violation of the FDCPA and FCRA. I kindly request that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. Please take immediate action to remove these accounts and information.

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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There is a balance on my transunion credit report that should reflect as it has been mark as charge off and is over {$600.00}. Yet Im still getting ding for it! Unacceptable and feels 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 2022-03-04
Company: Experian Information Solutions Inc.
State: DE
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:
This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. I have a loan with XXXX. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT 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
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2021-12-30
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a donation to a charitable organization on XX/XX/2021 for {$900.00}. It is now XX/XX/2021 ( over 4 months later ) and the payment is still pending. PayPal refuses to process or cancel the transaction. They took the money from my bank account but have not moved the money to the organization 's account. PayPal claims that the payment is under some kind of regulatory or compliance review. I haven't had issues with any other payments I made and the organization has not had issues with any other payments they received. Even if this transaction was arbitrarily selected to be reviewed for whatever reason, it should not take four months. It is completely unacceptable to hold my money indefinitely. I have called and emailed at least 5 times over the past 4 months and the representatives claim there is nothing they can do to resolve this. If PayPal does not have enough people or resources to review transactions in a reasonably timely manner that is their problem, not mine. This is fraud and theft. They are probably doing this to thousands of people and holding millions of dollars for long periods of time and earning interest or investing that money for the company 's benefit. I should get my {$900.00} back, plus interest and penalties for the 4 months they have been holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: PA
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 Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

List of Accounts XXXX : # XXXX, XXXX : # XXXX XXXX : # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Lost debit card called for a replacement it's been almost XXXX months and I have not received my card. I spoke with several different supervisors I have been told many different lies. They have expressed my card more than once was told I'd receive it withing 3-5 business days I never received my card. I asked for a tracking number so I could track the card I was told they couldn't give me that information they did not have access to it I had to email chime support. I have tried to log into my account online several times but it's saying they dnt recognize my email address I called chime to ask about that I was told they could not find my account. They can not give me any information about my account that I have had with them for years. So now I'm just stuck with no information on if my account is active or not and dnt ha e any information on how to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
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:
In XX/XX/XXXX, XXXX reported a collection account under my name for a XXXX past due invoice from XX/XX/XXXX. I filed a dispute with XXXX XX/XX/XXXX, and received the result on XX/XX/XXXX stating the account belonged to me which is false. 
1 ) I contacted the collection agency on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX, and they told me I needed to speak to XXXX to resolve it. 
2 ) I filed a XXXX dispute on XX/XX/XXXX : XXXX Fraud Management OCA Dispute XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX 3 ) I filed a police report on XX/XX/XXXX. 
4 ) I tried to reach XXXX for removal of the incorrect information on XX/XX/XXXX but the phone number listed in their web site is incorrect : XXXX After 3 weeks of working with different parties, the wrong information is still being reported by XXXX for the fraudulent XXXX 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 explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th 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, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}

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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On me TransUnion XXXX XXXX credit there is a phone number on my personal information that is not mine that number is XXXX I do not no who this is Ive never seen this number before Ive as TransUnion and XXXX XXXX to remove but they have not don remove the XXXX The only numbers I have of is XXXX and 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 2023-09-21
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed items inaccurate on my credit report. debt not owed, I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency

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 2023-09-07
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am completing this complaint, as it appears the collection agency is now operating under XXXX XXXX XXXX. I was a victim of IDENTITY THEFT. They are saying I have a collection owed to them in the amount of XXXX. This debt is not mine! I dont see how Equifax can verify as accurate if my identity was compromised. My social security card, and license were stolen. Since the thief used my information of course it may show this valid, but its NOT. I have sent a letter to the agency requesting concrete proof I rented the apartment over 30 days ago, and have not received it, so by law it states that if I am a victim of identity theft, I am to submit proof, which I have attached my FTC AFFIDAVIT. According to 15 U.S 1681b it is the credit bureaus job to block any information in relation to the identity theft from my credit file. I have tried to resolve this with the rental company, and it is the credit bureaus job to operate fairly and ethical. Stating that my debt is valid when there is no proof is unethical. This one collection is completely ruining my livelihood, and is stopping me from getting an actual home. This debt is not accurate as I am a victim, and should not be penalized in accordance to law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: WA
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2015-09-16
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I refinanced thru Nationstar Mortgage Co . I closed last week and to start It off I had XXXX notaries call me to close and sign the papers. This means XXXX people got a hold of my personal information. Second I was never told I needed a certified check for the closing. I had to go to the bank the next day to wire money to the mortgage Co which my bank charged a fee of XXXX Third and the final straw was my next payment was not due till XXXX XXXX. And today I had my XXXX payment taken out of my old account that was closed out on Monday. I called Nationstar this am and they told me that it would take 30 days to refund my money because the old account was a FHA loan. I had nothing but headaches and lies from this mortgage co. Being a customer with them for the past 3 years and paying my mortgage on time this should not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: OH
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 ( FCRA ) ; 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 an account without my written instructions.

The complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Practices Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices.

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 an 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 I demand it be deleted and to not be put back on in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I tried using the card to make a purchase of {$1000.00} online. The card balance is {$1000.00} and is registered to me. The phone system or online methods of seeing and un-decling declined transactions is not existant. This is false advertising if not worse that you will not let me use my {$1000.00} online.

Company response to consumer: Closed with explanation