BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: IN
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, this creditor ( Account name XXXX XXXXXXXX Account number XXXX ) has violated my rights under 15USC1681 Section 602 states that I have the right to privacy. 15USC 1681 604 ( a ) Section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXXXXXX XXXX XXXX I looked through my consumer report and noticed an alleged debt by the company XXXX XXXX. Pursuant to 15usc 1692a ( 5 ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The organization who has this contract is now the debtor. The reason I asked for my signature is because this organization used my signature as a form of transaction to sell to other third-party security markets to profit. This 3rd party debt collector left a receipt of this inquiry ( XXXX XXXX ) on my consumer report to destroy my credit. So, therefore, I am not the owner of this debt. If you can not send me the contract, then by law you have to remove this student loan from my consumer report. Do not send me a bill, I am asking for a contract of this debt with my signature. Again, do not send me a bill. Please remove US DEPT OF EDXXXX, US DEPT . OF EDUCATIO, and USDOEXXXX from my consumer report. Failure to comply would leave me no choice but to take legal action against this consumer reporting agency. Thank you.

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 2022-11-14
Company: ALLY FINANCIAL 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:
There are unauthorized businesses 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 2021-01-14
Company: Experian Information Solutions Inc.
State: PA
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:
The XXXX. of XXXX marked my student loan accounts as late, when I clearly deferred my loans over a month ago. I also re-submitted my deferment documents ( this time online ) today to ensure that you got them. It is not my fault that a publicly funded university that receives millions of dollars a year due to ever increasing tuition fees can not keep up with their mail. Not only is it completely disgusting and abhorrent that this university would try to collect on loans during a national emergency and a global economic depression, it is also completely unethical and inaccurate to mark payments late while most of country is very obviously in unemployed, receiving benefits, and/or eligible for deferment through other means.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is my XXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$9900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Original Creditor : XXXX T XXXX  XXXX ) XXXX Balance : {$3600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4400.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XX/XX/2021

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not consent to, authorize nor benefit from any of the following account attached is the identity theft report. I have asked for a investigation report and never received it. The law says this that it should be removed in XXXX days and its been over XXXX days as you can see on the FTC REPORT I sent it on XX/XX/2021 and today is XXXX/XXXX/2021. 15 USC 1681-C 2 ( a ). ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2023-04-18
Company: CITIBANK, N.A.
State: TX
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:
I opened a dispute with Citi for a charge that was initially completed in XX/XX/XXXX for custom furniture. The merchant misled me and never delivered the furniture. I was seeking my deposit back since the merchant agreed to refund me in early XXXX. The merchant ultimately told me to file a chargeback to get my funds back. I initiated the dispute on XX/XX/XXXX for {$1400.00}. The merchant was contacted on XX/XX/XXXX and credit was issued to my credit card account. The merchant responded on XX/XX/XXXX and I followed up with the bank to confirm they would reach out to me to get more details. I followed up on XX/XX/XXXX at XXXX CST and was told the bank would reach out to me to confirm the merchandise was not delivered. On XX/XX/XXXX at XXXX CST I called the bank again after I notice the dispute was moved to resolved. I asked the dispute agent why was it showing customer responsible. The agent told me that while that status was being reflected, that the credit would be permanent as a gesture of goodwill. I repeatedly ask the agent I was speaking to reconfirm that was true and he assured me multiple times that credit was permanent. I was advised Citi would pursue the claim to get " their money '' back. On XX/XX/XXXX, the credit was reversed and I was told the previous agent should not have told me that. I am asking Citi to stand behind their promises they clearly misled me on. They told me on XX/XX/XXXX they would follow up to confirm the merchandise was or was not received and they never did. They promised my reversal credit was permanent and the next business day it was reversed. I have continued the dispute process and emailed the requested documentation on XX/XX/XXXX to continue the dispute as the merchandise is still not in my possession. I added more context to my email on XX/XX/XXXX but the bank has not acknowledged my email nor has not had someone reach out about their agent on XX/XX/XXXX promising to make my credit permanent.

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 2017-03-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Citizens Bank after advising me repeatedly that they were closing my savings account due to them wanting to discontinue the business relationship ; has in fact unfairly, held my savings account funds and all the while they earn interest daily on my funds nightly that they are holding. Are they paying me any interest? What you think? 
They have not provided me with a firm date that they will release my money and after going inside to visit 2 or 3 area branches ; no manager, banking representative or online banking customer service rep can help me. 
I have made a formal complaint # XXXX with their " Office of the Chairman '' dept at Citizens Bank, however, it could take many days or weeks and I ( being a senior citizen ) need my money right now! 
Please force Citizens Bank to release my {$150.00} they have frozen in my savings account before I drag their name through the mud and XXXX, XXXX, the Internet via XXXX etc, social media, talk radio, blogs, my church community and every where else that I can. I will fast and pray and not eat until they are destroyed and are bought by some other bank which would be more sensitive to seniors

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2023-02-21
Company: Skopos Financial, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan with this company XX/XX/2022. For {$4000.00}. I have been making payments, but have run into financial difficulties. I have received funds to be able to pay the loan off in advance of the full term, and called for my payoff. As of today, the balance is {$4400.00}. Although I have been making payments, the payoff is higher than the principal amount of the loan taken out 10 months ago. I understand that due to poor credit, I have a higher rate, but this is gouging. I asked them if they would settle for a lower balance and was told noand that is what have to pay. I will be paying off this loan well in advance of the final loan term, but will still be paying more than the original principal borrowed

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 2023-08-21
Company: Experian Information Solutions 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2022-11-28
Company: Experian Information Solutions Inc.
State: FL
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:
There is an account that was not verified and still being reported on my report, FCRA states accounts must be verified or removed. XXXXXXXX XXXX XXXX XXXXXXXX needs to be deleted 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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block ALL items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
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: Was not notified of investigation status or results

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S cod
e 1692k civil liability

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 2021-06-13
Company: EQUIFAX, INC.
State: NY
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:
What does following the law to your company mean to you? You are suppose to protect me as a consumer but instead your are treating me like the villan. I am a victim of identity theft and I have for the last couple weeks have been giving all the information needed for you to help me resolve the matter. You have responded with laws from the FCRA but you are misusing them. You must study the law and come to the realization that you are wrong. According to the FCRA you must have a valid submission/statement from all parties involve in the matter of this investigation. Since we don't know who cause this horrific crime on my report. There is no evidence for these accounts to stay on my report. The data furnishers can not validate the debt because my information is ofcourse going to be the same because my identity was stolen. According to the FCRA U.S Code 1681c-2 you have to Block information resulting into identity theft within 4 days of receipt. You can not reasonably validate these accounts there is no way to justify this. Protect me and protect my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: CA
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:
Good evening this is fraudulent account in my credit report XXXX from XXXX this account is not mine, I don't never apply for this account.I was the identity theft and please I need your help remove that and resolve my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Their investigation did not fix an error on your report

Complaint:
See Attached Docs!! After recently submitting a dispute to your agency I see that these following accounts have come back verified when theres nowhere on my consumer report that states when the account was verfied. As a consumer it is my right to know what methods of validation was used to verify these accounts are in fact because these accounts are very much giving fraud and are not mine! If you can not provide the MOV to the below questions I must immediately demand the permanent removal of this/these items from my consumer report!. 


I have carefully reviewed the Metro 2 Credit Reporting Guidelines, which specify the proper procedures for the accurate reporting of consumer credit information. It is evident that the aforementioned items do not adhere to these guidelines, and as such, I kindly request that you investigate these inaccuracies and take appropriate action to rectify them.

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 2020-09-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I did my ny state unemployment with state benefits the state gave me back pay and in direct deposited to my account. They gave me a XXXX $ balance I go take off XXXX then another XXXX $ so I can have XXXX ) because if the XXXX $ cap limitation limit. My car payment was XXXX $ next I needed gas so I tried to get gas card declined.. then. Go home I try to pay rent XXXX $ denied. We have been waiting on unemployment money for weeks and PayPal close my account with my money in it. I need to pay my bills during the corona virus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There is a bankruptcy on my credit report Thats not mine Ive never filed bankruptcy nor have I needed to. XXXX and Expereian have yet to remove this not properly investigated it i have paperwork that was sent to them from XXXXXXXX XXXX stating they were unable to verify and should be removed from the credit bureaus and have yet to do so after 2 years of going round and round its affecting me trying to buy my home and other things please get them to remove this immediately thank you. 
XXXX removed this 2 years ago within 15 days of it reporting they were amazing 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 explanation