BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit reporting act. XXXX  account # 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 instruction. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( Original Creditor : 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 2018-12-11
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2018, my check was direct deposited on my American Express Bluebird card. I got off work at around XXXX XXXX. I then loaded my family up and went to gas station to put {$60.00} in my tank and 2 packs of smokes. I knew that I had {$830.00} on my card after paying for insurance and making a few other purchases. When I ran my card, it was declined. Ran again and agan declined. Tried withdrawing from ATM and was declined. Checked my balance on app and seen that I only had XXXX cents left. Upon further checks, I noticed 2 transfers that I didn't authorize. One was for {$500.00} and the other was for {$330.00}. It should also be noted that a third transfer was present for {$330.00} but was canceled. {$500.00} was transfered to somebody by the name of XXXX XXXX. That same person also had the cancelled {$330.00} transfer going to her/him. The {$330.00} transfer that went through was to a XXXX XXXX. I do not know either of these people. I tried telling this to American Express but in their initial investigation they found no errors. They don't call employer as the first transfer happened at XXXX. Which I didn't know till after work. I've been waiting close to a week arguing with these people only to keep getting the run around. No numbers for investigation department, same for email. Absolutely no contact or support. Now, I still don't have my money back, an answer to second investigation. This company has a history of things like this happening and denying legitimate claims. Something needs to be done. All I want is what's rightfully mine. {$830.00} is a lot of money in my family. I have emails as proof and employer may be called for verification that I was in fact at work. I also should note that my card was in my wallet in my back pocket all day. No one had access to it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29
Company: OneMain Finance Corporation
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:
After throughly investigating all agreements & disclosures provided to me by ONEMAIN FINANCIAL GROUP LLC on XX/XX/2021, it has been determined that ONEMAIN FINANCIAL GROUP LLC 's contract and or agreement used fraudulent inducement when it failed to uphold it's obligation with respect to the disclosure of the consumers personal information because the provided disclosure 's falsely represented, concealed, suppressed and or intentionally failed to disclose material facts required by 15 US Code 6802 ( a ) ( b ) ( 1 ) of the GLBA ; which deceived and was intended to deceive the consumer into believing it had no right or option to Opt Out of having it's account information furnished to consumer reporting agencies, when in FACT it did. 

After deceiving the consumer, ONEMAIN FINANCIAL GROUP LLC deprived the consumer of it's right to privacy by furnishing private account information to consumer reporting agencies without the consumers expressed consent and without any other lawful authority. These acts constituents Identity Theft pursuant to 15 US Code 1681 ( q ) ( 3 ) and RCW 9.35.020 and establish existing FRAUD and therefore VOIDS the contract and makes it un-enforcible. 

These criminal acts have caused the consumer damages in the form of loss of opportunities and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2022-12-06
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have called XXXX multiple times and sent the company emails due to a charge off that is not mine. I have never used this company and I want it removed from my alternative lending 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 2023-12-12
Company: EQUIFAX, INC.
State: IL
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 do not recognize these credit inquiries and i have asked for them to removed and the bureaus did not do as i asked i am providing a identity theft report and i am requesting them to be removed because they are inaccurate and not mines. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2023 I received a credit inquiry from my XXXX credit report. The inquiry was from XXXX XXXX, which I have never applied for before. Apparently, who ever stole my identity used a different address based off Washington DC. I have never lived in Washington DC, I am from XXXX Florida. I have contacted the credit Bureau and they have disputed the inquiry, address and phone number from my credit report. They have also placed a credit alert on my account, which will notify me of any new inquiries.

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 2023-12-12
Company: EQUIFAX, 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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I was applying to see what I was preapproved for with XXXX XXXXXXXX with the understanding that it would not affect my credit and I would not receive a hard inquiry. I received a hard inquiry and my credit score decreased.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX account was opened fraudulently I sent over FTC identity theft affidavit and XXXX police department incident report and TransUnion will block the account from showing up 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 non-monetary relief
Consumer complaint received 2022-12-29
Company: Results Unlimited, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
The main concern is that this collector accepts debit cards but charges a surcharge when they do. My paid-in-full amount was {$690.00} and I was charged {$720.00} ( just over 4 % ). I had to go to their office to even get a receipt as they refused to provide one when paid over the phone.

Additionally, a dispute letter was mailed to the collector they failed to validate my debt within the 30 days required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: Information belongs to someone else

Complaint:
This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$440.00} XXXX XXXX  Original XXXX : XXXXXXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-08-23
Company: Empower Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I applied for a loan on XX/XX/XXXX for {$100.00} and received it same day. I attached my XXXX  checking to the account and my loan was due on my next payday which was XXXX, I get paid biweekly. I wake up on XX/XX/XXXX and see they have drafted my account {$110.00}. I was NOT paid on XX/XX/XXXX and now Im short money. I called to get a resolution and they would not let me speak with a supervisor. They escalated my concern and thats all. Oddly enough, after getting the advance, they did not send an email with the repayment terms nor can I view the terms in the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citi would not cancel the Payment Safeguard fee that I asked them to cancel. They insisted it " protects my payments. '' I still asked that they cancel it. I called on XXXX XX/XX/2023 at XXXX. I wanted to know why I was being charged XXXX cents on a XXXX balance. 

I similarly called a few years ago and was told the same, and then hung up on. 

I found your site and am hoping I can be refunded all the fees Citi has charged me over the years.

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 2018-08-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid 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:
I signed up for a citi doublecash card with a promotion that stated that if I spent {$500.00} in the first 3 months that I would receive a {$100.00} reward. I opened the account in XX/XX/XXXX, never received the {$100.00}. I called citi and they said they were unable to honor the offer because it didnt show up on their end. They said I didnt use the promotional link even though I have a screenshot of the link I applied under. I told them that they were not honoring the terms of the promotion and they said there was nothing they could do.

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 2020-07-04
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nordstrom account was settled and paid in full in XXXX of 2020. Today I recieved a charge off on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, received a notice that said the dispute was investigated and was found accurate. When I looked at the credit report the item was still inaccurate. The dispute resolution said that it was found accurate. However, this is not true. 

SUMMARY : I disputed the The XXXX XXXX XXXXXXXX account on XX/XX/XXXX because it was inaccurate. On my credit report it showed {$290.00} as a profit, loss, writeoff. But the balance should be XXXX and status should be included in bankruptcy that was filed XX/XX/XXXX. I was told that it would be investigated however, I received a quick response from credit bureau on XX/XX/XXXX, saying that they found it to be accurate. 

I contacted XXXX XXXX XXXX with the number listed, XXXX on credit report, and received the number has been disconnected. So I'm not sure how the credit bureaus validated or verified accuracy. 

I called Trans Union on XX/XX/XXXX to ask for verification and documents of how it was verified they couldn't provide me with that. Instead they said they can redispute it. That option didn't satisfy me because I have to wait 30 days till inaccuracies are cleared up from my credit report. This is affecting my credit more so, because the account is not listed in a bankruptcy that already had dropped my score.

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 2018-12-11
Company: Clarity Services
State: KS
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:
The paragraph below was emailed to the following listed and had no response. 

XXXX XXXX XXXX XXXX I was notified XX/XX/2018 that Clarity Services Inc. by XXXX had done a hard inquiry on that date causing my credit score to decrease greatly. XX/XX/2018 I called Clarity who told me they were one of the major credit bureaus acquired by XXXX, in which Clarity gained my confidential information through XXXX upon the purchase last year. Clarity gave no explanation as to why they pulled my credit or no further details of what the company 's business was. When calling XXXX right after, the representative and supervisor stated they had no knowledge of Clarity Services Inc., and all they could do was place a fraud alert on my account. Clarity 's continuous inquiries have effected my credit score tremendously and XXXX  ' breach and decieption has put the consumer at risk once again and in my particular case prolonging my ability to purchase my first home. Upon much research I have also been made aware that Clarity is behind many mail and phone scams, by having knowledge of the individuals identity, such as d.o.b., S.S., address, ect., knowledge of the debt a individual owes, and therefore are able to replicate the creditor and request the correct amount. This is a broad serious federal matter and should be investigated by the highest division of authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report XXXX : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report.

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below.

Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 XXXX XXXX a ( XXXX ) right to privacy XXXX. Violations under XXXX XXXX XXXX XXXX - Requirements relating to information contained in consumer reports

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 2022-12-29
Company: American Credit Acceptance, LLC
State: MA
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:
On XX/XX/2022 American Credit Acceptance has accessed my credit report. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit. Following this incident, I have placed a fraud alert on my credit report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation