BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I sent a letter out XX/XX/XXXX to XXXX, transunion, & XXXX  ; XXXX. However it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making sense. 
According to the law 15 U.S. Code 1681i- procedure in case of disputed accuracy. If the completeness or accuracy of any item of information conatined in a consumer & # 39 ; s file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am writing to express my dissatisfaction with your lack of response to a serious matter. On XX/XX/2023, I mailed a dispute letter to your agency via certified mail, detailing discrepancies in my personal information held on record by Experian. The United States Postal Service tracking indicates that you received my letter on XX/XX/2023. As of the date of this letter, I have not received any correspondence, acknowledgment, or update regarding the information I disputed.

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 2019-06-13
Company: CITIBANK, N.A.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
First, all my credit cards ( Sears, Macy 's and Best Buy ) were suddenly closed. The told me that their decision was based on information they received form Citibank. When I wrote Citibank Citibank asking for the reason, they said, " You have the right to close your account and we also have a right to close your account and we have chosen to exercise our right ''. This does not give me the real reason! 

Secondly, after sometime, I decided to try and apply for credit card with Macy 's and received the attached denial letter, apparently from Citibank and it's affiliates! 

Please help me to find out why this is happening when my credit is good at the three credit bureaus.

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 2023-04-01
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:
This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance XXXX {$12000.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 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 2023-04-01
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items CHILDSUPPORT XXXX Balance : {$13000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XX/XX/2022

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, CA 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 2023-07-18
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter in the mail from Westlake portfolio  around XX/XX/2023 stating that I had a balance from the original creditor of {$2900.00}. I forgot about the letter but then I received another letter in the mail on XX/XX/2023 stating the balance is {$3600.00}. I immediately attempted to contact the agency I spoke with a representative who told me his name was XXXX ID XXXX, he was very rude when I asked him why did the balance go up and asking for clarification. He stated to me in a very rude matter Do you want to settle with us or do you want to file a report with FTC I see you have already dome that in the past you just need to settle the account or what. I asked to speak with a supervisor he stated the supervisor was unavailable. I disconnected and called back hoping to get another representative who can answer my questions I got a representative name XXXX XXXX he refused to give me his ID number. I asked him in regards to the discrepancy he stated that the bal was {$3600.00} the whole time when I Advised him that wasn't the case because I had received a letter earlier this giving another balance. He began to get rude as well and stated do you want to take the settlement or not. I asked for a supervisor he refused to put a supervisor on the phone I asked to be transferred to a supervisor voice-mail he refused that as well and he disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
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: Credit inquiries on your report that you don't recognize

Complaint:
1 ) XXXX  XXXX  XXXX XX/XX/XXXX i never authorized this and XXXX is trying to remove this since they did one on XXXX XXXX XXXXXXXX XX/XX/XXXX and the next one is a error i tried explaining that to transunion and they wont help me the following 8 inquiries was never made by me and i told transunion that its fraudulent and they dot want to help me 1 ) XXXX XX/XX/XXXX XXXX ) XXXX  XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX  XX/XX/XXXX XXXX ) XXXX  XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX  XX/XX/XXXX XXXX ) XXXX XXXX  XX/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 explanation
Consumer complaint received 2023-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
For XXXX XXXX XXXXXXXX, I booked a hotel ( XXXX  XXXX ) in XXXX XXXX on XXXX through the Bank of America website and using the Bank of America credit card. The reason I did this is because there was a 20 % discount advertised on the BofA website. 
I fulfilled all the conditions listed and yet did not receive the discount. 

Billing details : Transaction date - XXXX. Transaction amount - {$340.00}. 
I submitted a claim with the credit card company ( BofA ). They initially said I didnt have to pay the disputed amount ( {$78.00} ). However, 6 weeks later, they charged me the disputed amount again. 

I have called them several times but they refuse to resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
An organization by the name of XXXX XXXX out of XXXX, XXXX   misrepresented a colored diamond investment to me and as a result I have invalid charges on 4 Major Credit Cards totaling over {$53000.00} with the following institutions ; Bank of America, XXXX XXXX, XXXX and XXXX. A Record of the charges and receipts are included in the attached document.. Also attached is an entire history of these fraudulent transactions as well as a local police report, request for transaction documentation from the XXXX Police , a Press Release testifying to the arrests of 5 individuals from XXXX XXXX and an FBI referral by the XXXX Police . 

Despite this documentation all 4 institutions have refused to honor the Fraud Claims,.

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 2023-12-13
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested that the debt be validated and investigated with Credit Acceptance Corporation. Which was never done. I am trying to by a house and they are reporting a debt that does not belong to me. 

Its saying that the debt was charged off but i never recieved a 1099-C Cancelation of debt because its not mine.

I demand under FCRA : Section 604 : Permissible Purpose My written authorization ( i would like it mailed to me please ) Proof that I personally initiated this inquiry to acquire such card show me last purchases Either provide me strict proof or DELETE the item immediately. If you do not delete the charge off in 15 days I will take legal action. 

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. 

If you ignore this letter and do not delete the charge off or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

Your cooperation in advance is appreciated. 

This is my last letter then I will promptly seek litigation. My attorneys are pending your reasonable response Thank you 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 monetary relief
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have couple of issues, ( Transunion ) I have a debt with XXXX XXXX that I never opened, A personal trainer fraudulently signed me up for a membership in a attempt to collect a commission, I DID NOT SIGN A MEMBERSHIP WITH VASA I WANT THIS OFF MY CREDIT!, I also have a collection for a insurance policy with progressive that I canceled and moved the day the policy expired, I paid my premium monthly ( this is documented ) monthly installments are canceled if payments aren't received so there's no way to have a outstanding balance, this XXXX collections company doesn't care about this because they've invested money purchasing the debt so they are insistent about collecting in spite of the debt beginning illegitimate. Transunion doesn't care about this issue as well .... I assume my I low credit score and rating are to blame I'm not a real person as far as they are concerned so why take the time to handle this issue, simply put its economic racism " low credit score lives matter! '' Issue # XXXX I had XXXX run a dark web scan with my ssn and DL and there are inquiries and other credit issues all over the country that obviously I'm not responsible for so I froze each credit file but my name, ssn and DL have been seriously compromised and I'm not sure what to do any advice would be greatly appreciated. 
Thank you, 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 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I spoke with XXXX XXXX. They waived fees and confirmed I have {$0.00} balance. 
Yet the 3 credit bureaus keeps showing my payment on two XXXX XXXX cards are past due of 60 days. The balance are 0 there is nothing to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Navient Solutions, LLC.
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:
This complaint is regarding my student loans with Navient. There has been a National pause on all federal student loans which included my student loans with Navient since the beginning of the Pandemic outrage. On XX/XX/XXXX I received a notification from my XXXX credit monitoring service that Navient reported a XXXX XXXX XXXX ) late payment to my credit report that devoured my credit rating! This is UNACCEPTABLE as I have held a perfect payment history with all my creditors! I immediately called Navient on XX/XX/XXXX and XX/XX/XXXX to ask how this happened and why Navient had not made me aware that I was past due or that my loan was no longer on pause!? I was told on both occasions that they had been trying to call me and supposedly emailed me regarding my past due balance. I NEVER received any phone calls or emails from Navient regarding a past due amount and I had no knowledge of a payment due since the payments have been on pause since the Covid Pandemic! They reported a XXXX  day late payment without even reporting a XX/XX/XXXX day late payment ( see attached ) and that is a violation on the FCRA! If Navient says they called and emailed me regarding a past due amount I demand to see all call records and emails showing this. I verified my email and phone number with the representatives I spoke with on XX/XX/XXXX and XX/XX/XXXX. I brought the account current and made a payment arrangement for my loan with Navient. I've had every intention of paying off my student loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom it Concern I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information.

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX I expect these accounts to be removed within the time frame specified by law, not later than XXXX business days after the date of your receipt of this letter.

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 2023-04-28
Company: EQUIFAX, 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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX Date opened : XXXX  Balance : {$13000.00}, XXXX XXXX XXXX Date opened : XXXX  Balance : {$2000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX XXXXXXXX Date opened : XX/XX/16 Balance : {$0.00}, and XXXX XXXX XXXXXXXX Date opened : XX/XX/2016 Balance : {$0.00}. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry 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 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX and XXXX was removed from my mothers transfered to my account and removed from that account and I believe some one hacked my account because the same name that took the money also took money from my XXXX XXXX My bank is neglecting me not even giving me my refund

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 2021-11-24
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:
I applied to refinance my house and my credit scores which normally are in the XXXX  's were XXXX due to an XXXX fraudulent account with a charge off of {$2200.00} being listed on my credit report. I called XXXX fraud department and spoke to XXXX on XXXX XXXX, 2021. XXXX stated that she put remarks in the charged off account but could not give me a report number since she could not access the application because it had been charged off. XXXX told me I would have to file reports with each of the credit bureaus to have the account removed from my credit report. I did file disputes with each of the credit bureaus. I received a report back from Experian stating they had concluded investigation and they could not remove it from my report that I would have to file a report with cfpb due to it being a case of fraud. Also, there is a fraudulent address in XXXX on my credit report that I never lived at and that is the address that was being used for the XXXX account 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