BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: Paramount GR Holdings, LLC
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX my wife XXXX XXXX XXXX enter into a contract with XXXX XXXX XXXX XXXX XXXX  XXXX and Goodleap llc for solar panels. She used my personal information to obtain the financing for solar panels without my consent and knowledge. On XX/XX/XXXXXXXX  in was aware of installation of solar panels. On XX/XX/XXXX while checking my credit reports I asked my wife about Goodleap llc on my reports for {$55000.00}. She said nothing to me and said you should check it out. On XX/XX/XXXXXXXX   I was about to get in contact with representative from Goodleap and XXXX XXXX XXXX they told me my wife used my personal information to obtain loan for solar panels. I spoke with sales representative XXXX XXXX and liaison XXXX XXXX for a XXXX based organization that donates to local churches for solar panel referrals. She told them that she has Power of Attorney for me but never produced any documents and they signed the contract s on good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
RE : XXXX This is not a duplicate report, XXXX XXXX XXXX added new false derogatory statements by adding : 1. new 60-day late payments for XX/XX/XXXX and XX/XX/XXXX, 2. the first delinquency occurred on XX/XX/XXXX, 3. the account was closed on XX/XX/XXXX, and 4. the last payment was received on XXXX XX/XX/XXXX. 

1. There was never a late or missed payment on the account. Therefore the 30-days and 60-days maliciously reported to the credit bureaus must be removed.

2. There was never a delinquency, however, XXXX XXXX XXXX has reported many false and malicious claims to the credit bureaus between XXXX and XXXX and again between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

3. The property was sold in XX/XX/XXXX and the bank first reported the account closed on XXXX XX/XX/XXXX and continued to maliciously report new missed and late payment delinquencies through XX/XX/XXXX which are being used to impact my credit report and credit scores negatively. 

4. XXXX XXXX XXXX received its last payment from me in XX/XX/XXXX, the property was sold and I was not required to submit any more payments and did not make anymore payment. Therefore, there was never a 30-day or 60-day late payment in XX/XX/XXXX as reported by XXXX XXXX XXXX. These maliciously reported delinquencies must be removed from my credit report and my d scores restored to their values prior to the impacts of the false 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 explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: OH
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX  Balance Owed : {$16000.00}.

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 2021-03-10
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I submitted a dispute letter disputing that XXXX XXXX XXXX is a reporting a collection account which have surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt, thus should be removed. 

I've attached documentation to demonstrate that the last payment received was prior to XXXX. The attached court documents state " On or about XX/XX/XXXX Defendant failed to make installment payment due and payable under the Exhibit " A '' Contract. '' Please refer to the highlighted/underlined sections on page 4.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
This is a problem with TransUnion, the word of all three. 
I never have problems logging into XXXX or XXXX. But TransUnion iss FOREVER a problem. I keep my password safe, yet, if I got to check like I did today, I can not log in. 

I don't know why, it just says invalid password. That is XXXX. I did not change anything. I know when I change my passwords because I date them and for these C reports I keep them together same place no one has access. 

But TransUnion seems like it is trying to extort people into paying for the paid XXXX XXXX. I NEVER has XXXX 's score, you ALWAY have to pay for the score, which I don't do but once a year, and then you have to re-set the password. Of course. Today i put in my SS number to reset like i have before but of course the inept TU did not recognize my password. Over and over and over and I got a live person on the chat, but XXXX could not figure it out either. I was on the right site. I was on the right page. This company just needs to go. It does nothing constructive just shakes people down for money. 
XXXX also makes the site confusing the URL so they can be confusing to people who probably end up paying for a membership.

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 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX is reporting to the credit bureaus that I have a balance with them from an old account for {$910.00}. I am trying to clean up my credit report, so I have called XXXX to make a payment to clear this. The representatives at XXXX are telling me that they no longer have this debt in their office, and do not provide me with any way to pay the debt. Since they will not accept my payment, it is unfair for them to continue to report it on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: DISCOVER BANK
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX are reporting the wrong balance to credit bureau and I was denied credit as a result.

Company response to consumer: Closed with explanation
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:
My XXXX card information was stolen back of XXXX XXXX XXXX and is still effecting my XXXX account til this day ( XX/XX/XXXX ) someone is pretending to be me and calling XXXX. They call XXXX using my information to verify and then they tell XXXX the cards are either lost or stolen and have them replace the card but make up stories that theyre on vacation and need the card shipped to them and not my address on file. 
I have accounts in balances well over the credit limit that XXXX is trying to hold me responsible for. I have shown them proof many times those charges were not mine and they still deny my claim. My spending there are charges in New York and XXXX XXXX and charges from $ XXXX {$2700.00} which is insane. 
All the cards have been stolen and copied many times XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 non-monetary relief
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: UT
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:
My lender spoke with me about my report and there are many items that are incorrect/ I am not familiar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company report me 4 times for a bills i never owned and the company don't have any of my correct information such as address, social security number ... that actually brings my credit score very down ... As a XXXX XXXX XXXX that reports mess up all my business. 
-ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$1400.00} -ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$1300.00} -ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$520.00} -ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$1400.00}

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 2022-12-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I went to the car dealership and they advised me that they were not going to run a hard pull on my credit and in turn, they ran multiple hard inquiries without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: CCS Financial Services, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this company tried collect debt is no mine this company no provide any proof this deb dint have any agreement with them dont have any concernt for share my personal information with them please investigate soon possible

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., This Complaint is to notify you to BLOCK OR REMOVE these accounts from my credit file resulting from alleged identity theft. 
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 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

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen XXXX,, and since then I've been noticing and seeing a lot of unauthorized Inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate Inquiries and accounts I have listed immediately, the following includes : XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : 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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dont recognize credit inquiries Two inquiries from XXXX XXXX  dated XXXX and XX/XX/2020 XXXX Call XXXX XXXX and they said that they dont recognize inquiries after 40 days Call Transunion and they wont remove without FTC or police report Asked Transunion to verify or correct the error and basically got the run around about police reports and calling 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 2023-12-15
Company: DISCOVER BANK
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:
I was trying to purchase a vehicle and I realize that I have damages on my credit remote. According to the 15 U.S.C 1681 Law, there should not be any damages on my report, its a defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: Duvera Billing Services, LLC
State: OR
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a loan through XXXX XXXX XXXX  and I have made 4 payments on this loan so far totalling around {$600.00} and they have a promotion going on right now that is 90 days interest free on the loan, when I looked at my account I see that they are putting ALL of the payments to interest only, none to the actual principal. This was payments made within the 90 day period. I have emailed them regarding this issue and they keep giving me the run around as well as charging me % 199 interest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/, an unknown unauthorized person withdrew {$10000.00} from my XXXX XXXX  account and opened an account online at a Citibank. On XXXX XXXX XXXXXX/XX/XXXX discovered the fraudulent transaction and reported it ( with great difficulty ). I followed the bank procedure and had my account frozen. It was determined to be fraud and my money was returned a few days later. 

I have tried to reach someone at Citibank to report that the account opened is fraudulent. The Citibank automated customer service line will not connect me with anyone who can help me. On XXXX XXXX XXXX  my husband and I went to the local branch of Citibank and spoke to a manager. I had an ATM card from Citibank I had received in the mail but no other details about what happened. The manager made a phone call and pulled up a screen showing us the details of the account that had been opened in my name, with my address, with funds from my XXXX account and my social security number. The account was opened on XX/XX/ and on XXXX XXXX XXXX  the thief transferred out {$9900.00}. I did not think to ask for a copy of the details of the transactions such as routing numbers or anything that might help the police or the FBI to catch the person. The manager told us she would close the account and report it as fraud. She said I would get an affidavit of fraud in the mail that I would need to sign and return. So far, I have received nothing. I have no evidence that the Citibank was marked fraudulent nor that it was closed. I can not reach anyone through their customer service line and they have, much like XXXX XXXX, flat out refused to give me a mailing address where I can direct my request. The manager of the local Citibank branch does not return my phone calls. 

I have filed and identity theft report with the FTC. I also filed a limited fraud complaint with the FTC but I have no details about the account to include in the report since I dont have any. I filed a police report as well but since there are no transaction details there is little they can do. 

Both of these banks are very difficult to communicate with because neither of them seems to have a mailing address where they can be reached. Someone needs to stop this behavior and make it easier for ID theft victims to document the case.

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 2020-12-14
Company: ALLY FINANCIAL 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:
I never did any business with these companies yet they have unauthorized inquiries on my credit file. I've never signed a contract with these companies for anything. I did not authorize any inquiry on my credit file and Ive never given permission verbally or in writing to anyone to pass my information to any of these companies.

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