BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called them to lock my credit so no will get my information and they still havent done so and I also requested my credit my report and I still havent received

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 2020-07-15
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon 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 explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am filing this complaint to dispute the accuracy of certain accounts currently listed on my credit report. After a thorough review, it has become apparent that there is insufficient information to verify the debts associated with the following accounts : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$6000.00}, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$62000.00}, and XXXX XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}. I emphasize my right to accurate credit reporting and request written confirmation of the investigation results along with actions taken to rectify this situation.

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 2022-10-28
Company: Harris & Harris, Ltd.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received a debt collection notice for hospital charges for a hospital that we have never visited. When we contacted the hospital, they were able to quickly confirm that the debt collection notice should not have been sent to us ( the date of birth of the patient is different than my husband 's date of birth ). The debt collection company knew that my husband 's date of birth does not match the patient 's date of birth because they somehow already had his date of birth when we first called them. But, they sent us the notice anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I've contacted you all before about applying for a loan with Navy Federal Credit Union. I do not have a problem explaining it again. 
I applied for a loan with NFCU. My credit score was amazing, my income was steady and above average. NFCU had no reason to deny me so they went back XXXX yrs and told me they could not approve the loan because I had a discharged bankruptcy in 2007. 
The representative even laughed at me when I told them this is not right, over XXXX years. 
I am now hearing and reading that the color of my skin my be the reason NFCU has denied me. 
This denial has caused me a lot of problems

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A charge to my account appeared in XX/XX/2022 and prior to that the last time I used this XXXX XXXX card from Barclays was XX/XX/2022. I also have not used the card after that fact, and Ive only used the card at XXXX XXXX. I disputed the charge in XXXX and it was refunded to me and then investigated it on their end. Then they charged me back, saying that it was not considered fraud without providing me with any proof or documentation or letter of explanation, just another credit card statement with the charge. I explained to them that the same dollar amount on the same date was also charged to my debit card as fraud with a different company name, and that the bank found it to be fraud and refunded me, they want proof that I did not make the purchase which clearly I dont have because I did not make the purchase. I am not quite sure how I can come up with documentation to prove that I did not in fact make a purchase that theyre saying that I did just because the company was able to come up with my mailing address and other information that clearly if they hit my debit card and my credit card that they have, I have received no product from that company or the company that was the name listed on my debit card and my bank refunded me but this credit card continues to hassle me for a fraudulent charge and Ive XXXX them XXXX times to get it resolved. This is how these people committing fraud get away with this and and keep their money. Ive asked to speak to a XXXX and nobody has contacted me. XXXX told XXXX business days. You cant speak to a supervisor or any XXXX. This is still a charge on my account. It is the only charge on this card and I dont want this to ruin my credit. Barclays is the worst credit card company to deal with and I would never recommend anyone get a card from them. They cant even email the department that researches the fraud, per my last call to them. Now they want me to write a letter to another department. What is their infrastructure? This is absurd and a terrible business model. Poor customer service and with this charge I cant even get them to close my 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 explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX  filing this complaint. The stuff on my credit report is wrong.

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 2022-03-07
Company: Paypal Holdings, Inc
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the XXXX of XX/XX/XXXX PayPal permanently limited my account for 180 days which I have been serving, expected to elapse on XXXX XX/XX/XXXX and have my funds ready for withdrawal. But on the XXXX of XX/XX/XXXX I logged into my account only to discover that my balance has been cleared by PayPal on the XXXX of XXXX over what the tagged 'Damages on Acceptable User Policy ''. 
I have contacted them through mails and calls and recently chatted their contact support up via XXXX to explain which policy I violated after my account has been dormant for months due to limitations placed on it by them, but the could not give me a positive response from any of the medium. Instead the keep shying away from questions of which policy that was violated. 
This is an unfair treatment being melted at me. 
I have gone back to these so called 'Acceptable User Policy ' severally and can't find which policy I violated because I have being transparent with my dealings with them over the years. 

These brought me here to seek help and justice recover my funds in the amount of {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Macys/DSNB has BROKEN THE LAW and violated my consumer rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. Macys/DSNB is illegally reporting that I owe an alleged debt of {$8600.00} for account ending in XXXX. Macys/DSNB is reporting inaccurate account information to the credit reporting agencies. When requested by the credit reporting agencies to validate and or verify the information furnished on my credit report, Macys/DSNB continues to report the account as accurate. This account was sold to a debt collector on or around XXXX XXXX and Macys/DSNB continues to report to the credit reporting agencies that the alleged debt is still owed to them. Please See attachments XXXX debt collector and Macys Cease and Desist.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-22
Company: U.S. BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
{$500.00} promotion stated that the bonus woul dbe posted with 45 days of the deposit being verified and held in account for 60 days. Spoke to XXXX at US Bank on XX/XX/XXXX and she confirmed withthe back office that the qualifications were met and to wait an additional 4 to 8 weeks. This goes agaonst the promtion bonus payout terms. 

Deposit made on XX/XX/XXXX. Deposit to be held for 60 days and the bonus to be paid within 45 days of that date. 

" The new money deposit can not be funds held by U.S. Bank or its affiliates. The business checking bonus will be deposited into your new U.S. Bank Business Checking account within 45 days of balance verification, as long as the account is open and has a positive balance ''

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 2022-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/22 I spoke with a rep at each of the following companies, Experian, XXXX, and XXXX about the possibility that they were reporting fraudulent accounts on my consumer file. I pleaded with them to remove these accounts as I had no knowledge or information on where these accounts came from. I was told by all 3 companies that I needed documentation and to fill out an FTC report. I did just that and sent my letters via certified mail on XX/XX/22. After 30 plus days from sending my letters, the accounts are still showing on my report and were somehow verified even though they are not mine. I am extremely confused and frustrated over this because my family and I are trying to buy a house and this situation is keeping us from being able to do so. I called all 3 companies again on XX/XX/22, asking how they somehow proved that these accounts were mine but they only told me to contact the creditors directly and that they couldnt do anything else to help me. I tried contacting all the creditors that were fraudulently reporting on the consumer file, and without any surprise they had no knowledge of me or the accounts either. I am not sure what else to do and after researching online I came across the CFPB website that some friends of mine told me would help me with my situation. I really hope this helps because my family and I desperately need this house we are trying to apply for.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$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 2023-12-18
Company: EQUIFAX, INC.
State: TX
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/23 I wrote TransUnion a letter so they could investigate inquiries on my credit report. I never gave the companies reporting the inquiries my authorization, written or verbal and they fraudulent. Today is XX/XX/23 and I never received a response. I ask that you please investigate these as the company/creditor never did or does have my permission to check my credit score with you all please.

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 2020-12-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 about XXXX eastern time i called XXXX  XXXX Equifax and XXXX  to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am submitting this complaint after reviewing a copy of my credit report. I noticed that there are some fraudulent inquiries listed on my credit report as of XX/XX/2023. I have attempted to resolve this matter with the credit reporting agency but they have been negligent in complying with my request. I have attached a copy of my ID, my social security card, and a FTC 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 2022-12-01
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX Dept ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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