BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
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: Their investigation did not fix an error on your report

Complaint:
Dispute of False Bankruptcy Listing on TransUnion Credit Report Dear Sir/Madam , I am writing to formally dispute an erroneous bankruptcy listing that has appeared on my TransUnion credit report. I have recently obtained a copy of my credit report, and I was dismayed to discover that a bankruptcy record has been inaccurately associated with my credit history. 

I want to assert, unequivocally, that I have never filed for bankruptcy and that the information provided on my credit report is completely false. I have maintained a responsible and consistent financial history, which can be corroborated by my payment records, employment status, and other financial documents. 
I kindly request that the erroneous bankruptcy record be promptly removed from my TransUnion credit report. This false information is not only damaging to my creditworthiness but also reflects inaccurately on my financial standing. I am concerned about the potential negative impacts this misinformation may have on my ability to secure loans, housing, and other vital financial opportunities. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that TransUnion conduct a thorough investigation into this matter and correct the inaccuracies on my credit report. Please provide me with a detailed account of the steps taken during the investigation and the results thereof. 

Enclosed with this letter are copies of documents that verify I appreciate your attention to this matter and your assistance in rectifying this situation promptly. I eagerly await your response within the 30-day time frame as mandated by FCRA. 

Thank you for your prompt attention to this matter.

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: CITIBANK, N.A.
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I alerted Citibank and my bank XXXX XXXX XXXX XXXX XXXX XXXX South Dakota about a fraudulent Citibank account that scammed me of {$21000.00}. I sent them all the information about the account with dates, name, routing/account numbers. They have promised to do a full investigation but have went silent to me and my bank. Banks such as Citibank are required by federal law and applicable regulations to know their customers and understand their banking activities and conduct. They failed. I have offered them plenty of time to conduct an investigation.

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 2018-06-08
Company: EQUIFAX, 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 have contacted Equifax about 5 times within the last 45 days in reference to hard 10 hard inquiries appearing on my credit report in a 30 day period. My identity was compromised. I sent them a police report. They have yet to remove these inquiries. The have yet to provide me proof with my handwritten signature to show that I XXXX XXXX applied for these applications and signed. I am trying to buy a home amongst other things and these hard inquiries are affecting me in a huge way. I need these taken off my report asap. 

Ive sent the police report to XXXX  and XXXX who has cooperated and removed all 10. Equifaxhas not. 

The inquiries are : XXXX XXXX/ XXXX on XX/XX/2018 - Unauthorized, XXXX XXXX/XXXX   XXXX on XX/XX/XXXX - Unauthorized, XXXX XXXXXXXX XXXX , XXXX XXXX on XX/XX/XXXX &  XX/XX/XXXX BOTH Unauthorized, XXXX  on XX/XX/XXXX - Unauthorized, XXXX on XX/XX/XXXX -  Unauthorized, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX BOTH Unauthorized, XXXX  XXXX on XX/XX/XXXX - Unauthorized, XXXX XXXX on XX/XX/XXXX -  Unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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: Account information incorrect

Complaint:
I have filed a dispute with the credit bureaus about the company for reporting incorrect information. They are reporting I have two accounts with the same account number with different balances to the credit bureaus. Besides double reporting and trying to collect on the same account. It has also passed the statue of limitations. The account was open on XX/XX/XXXX. The first payment was due in XX/XX/XXXX. No payment was made which makes the first date of delinquency XX/XX/XXXX and it should have been removed from my credit report in XX/XX/XXXX. They also reported no information until XXXX to the credit bureaus, which too is inaccurate. Reporting should have began when the account was open and included the actual first date of delinquency- XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: Lincoln Educational Services Corporation
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been trying to contact my private lender since I have been in basic training, about getting my interest rate lowered to 6 % apart of the scra. I have had no luck with them to which they tell me they do not do that. The school is Lincoln tech in XXXX Tennessee

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They keep charging more than once overdraft fees and even spoke to them about me receiving money the next day to be able to cover the insufficient funds and they still go ahead and they keep charging overdraft fees that sometimes amount to more than {$100.00} and I dont get it refunded back to me. Are used to have XXXX and XXXX would always refund or gave me an allowance to be able to put money in my account to avoid it and if they do give me an overdraft fee, they usually refunded me back the next day. this is Wells Fargo and they never do that and they charge me so many fees.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: NC
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:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXXXXXX XXXX XXXX XXXX  # XXXX 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 a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-27
Company: Experian Information Solutions 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Account XXXX XXXXXXXX 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
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. Experian was not given any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Experian is reporting unauthorized inquiries on my CONSUMER REPORT. Experian is in DIRECT violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. There are several errors now listed on a updated credit report as of XX/XX/2022. ENCLOSED IN THE LEGAL DOCUMENT SENT TO Experian WERE A COPY OF MY ID ( DRIVERS LICENSE ), AND A UTILITY/CABLE BILL STATEMENT FOR PROOF OF ADDRESS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These concerns were disputed on XX/XX/2022 and have not been removed. The dispute was sent certified mail with return to sender. There are several errors now listed on a updated credit report as of XX/XX/2022. Experian has caused severe stress and anxiety due to the abusive and unfair practices.

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 2023-04-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2022-01-03
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was from a medical issue that dated back to XXXX 's with my parents, specifically my step fathers insurance. 

This debt somehow was passed down to me and still to this day reports on my credit report after it was bought and sold several times, despite it never being on my insurance as I was not of age. 

The company, choice recovery, bought the debt in XXXX of XXXX and the individual at the company even stated it would not have been my debt, but that they are a debt collector and have to collect any debts and accounts in front of them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Dividend Finance Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is in regard to a solar & LP backup generation project loan for {$70000.00}. On XX/XX/XXXX I signed a financing contract with Dividend Solar Finance LLC ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, CA XXXX ) to finance my project with XXXX ( XXXX XXXX Located At : XXXX XXXX XXXX  XXXX # XXXX XXXX, FL XXXX ( XXXX ) XXXX License No. : XXXX XXXX ). I have been in constant contact ( 10+ phone calls and emails with details of my complaint ) with Dividend since I received their errant notice of project completion and repayment initiation on XX/XX/XXXX. This notice of completion was fraudulently filed by XXXX ( contractor ) with Dividend to get paid for a project that they had not satisfied the terms thereof. XXXX XXXX is aware my concerns and has not taken action to correct the issue. I have documentation to support my effort to resolve this issue and XXXX has not attempted to resolve the issue, complicit allowing the unfinished contract to continue, knowing they have fraudulently submitted for, and been paid by Dividend. Dividend is located in California.I have been clear that we have not satisfied the terms of the contract for repayment to begin as my project is still not completed as of the date of this complaint. The is the first of many agency complaints I intend to raise with ( California, Florida & federal ) in regard to XXXX & Dividends fraudulent practices. No lawsuit has been filed yet. and I have not retained an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: CT
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. Its so weird that y'all keep claiming this account to be verified and IT IS SO ABUNDANTLY CLEAR that the info is inconsistent. Now rather is XXXX, Experian XXXX or XXXX that its reporting the wrong information is none of my concern, the point is ONE OF YALL WRONG DELETED this mess its very clear it wasn't properly verify. Have currently 6 late payments that are not accurate. I have been asking for proof of how I was late and how can the 3 credit bureaus have different late payments listed? For the past year I have asked for this information to be updated with no verification other than the company saying they are Correct, If so why do I have different late payments?. I'm demanding for my profile to be updated to no late payments. 

Please view the information below as proof.

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 2019-03-27
Company: CITIBANK, N.A.
State: CA
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 use my Citi Credit card purchased a pair of car headlights ( {$1600.00} ) from the online merchant ( XXXX ) on XX/XX/2018. After I paid couple hundred dollars of labor to install the purchased headlights, I found one of the headlight was defective. I contacted the Merchant immediately and provide them the proof of the video and hope them can fix the issue asap but never ask for a return. After reviewed the video I provided, merchant confirmed that is a product defect, but they request me to damage the product instead of a return, then a refund will be processed.I explained to the merchant that I do not know how to deal with the headlight, and I have paid labor to install them. Its really make no sense for me to pay extra labor to uninstall and destroy them. Since all the issue is caused by a product defect, they should issue refund unconditional immediately. If they want the product be destroyed, they have to pay any labor occurred or refer me to any body shop to do the job. The merchant rejected my proposal. 
The merchant did totally against what they said Client is always right. What they did is try to make difficulties to their clients and force them to eat lose and abandon consumer rights. In this case, they clearly know I will not pay extra labor in order to follow their request to destroy the product, even the fault is caused by them, a product defect! That is the main reason they insist the product must be destroyed before they process the refund. As a consumer, I really feel unfair with my experience. 

I have provided all explanation attached with evidence and dispute the charges to the Citi bank. The merchant make black look white and told the partial of the story BUT NEVER declare the fact truthfully to the bank. The Citi bank never do a deep investigation but reverse the credit on merchant 's favor. This is totally not acceptable!

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
FRADULENT CREDIT INQUIRIES ON XXXX CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FRADULENT CREDIT INQUIRY ON TRANSUNION XXXX XXXX XXXX FRADULENT INQUIRIES XXXX XXXX CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: WA
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 submitted a complaint last XX/XX/ and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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