BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: National Credit Systems,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:
My name is XXXX XXXX XXXX XXXX. I am filing this complaint against your company for the fraud you have committed against me. I did not give NATIONAL CREDIT SYSTEMS any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. NATIONAL CREDIT SYSTENS has also committed aggravated identity theft by sharing my social security number with the credit reporting agencies without my permission. No one can use my social security number but me. It was given to me by the government and no one else can use it without my knowledge or written consent. I am demanding a cease and desist of all illegal activity, any communication of this and any alleged debts until NATIONAL CREDIT SYSTEMS can provide me with sufficient documentary evidence that I gave them written permission ( a signature on a contract is not written permission ) to share my personal information such as my social security number and to report any transactions on my consumer report. If this documentary evidence can not be produced and NATIONAL CREDIT SYSTEMS continues to report transactions between my self, the consumer, and the person making the report, I will file for litigation for actual damages caused and NATIONAL CREDIT SYSTEMS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

I have filed an identity theft report with the FTC. Per 15 U.S. Code 1681c2 - Block of information resulting from identity theft : ( 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 Furnishing this alleged debt to my consumer report as a means of coercing me to pay is EXTORTION. COLLECTION OF EXTENTIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF 18 USC 894 AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX 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 Balance XXXX {$1100.00} ; XXXX  XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXXXXXX Balance : {$780.00} ; XXXXXXXX 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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent letters on XX/XX/2022 to XXXX, XXXX and TransUnion about unrecognized negative items on my credit report and have not received any information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. 
I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.

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 2023-03-11
Company: U.S. BANCORP
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:
XX/XX/XXXX : Contacted cardmember service at ELAN with the number provided on my credit report. They passed me to " XXXX '' She does not see any card number associated in their card services department. They handle companies like, " XXXX XXXX XXXX XXXX She does not have record of a card number in my name or my social. Please remove this from my credit report. Here is the info on my XXXX Credit Report today : -- -- -- -- -- -- -- -- -- -- -- - ELAN FINL SVCS This account is currently under dispute under dispute Account info Account name ELAN FINL SVCS Also known as ELAN FINANCIAL SERVICE Account number XXXX Account type Credit Card Responsibility Authorized user Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$14000.00} Balance updated XX/XX/XXXX Recent payment {$47000.00} Monthly payment {$42.00} Credit limit {$25000.00} Highest balance {$18000.00} Terms NA Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Additional info Between XXXX XXXX and XX/XX/XXXX, your credit limit/high balance was {$25000.00} Contact info : Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MO 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 2023-08-17
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-05-15
Company: TRUIST FINANCIAL CORPORATION
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX of XXXX I set up a mortgage loan with XXXXXXXX XXXX XXXX XXXXXXXX who sub serviced my loan with XXXX XXXX XXXX ( Loan Servicer ). From its origination, I arranged with XXXX XXXX for automatic payments to be made for my loan via ACH with my XXXX  XXXX XXXX XXXX Account. Such payments were pulled diligently and on time automatically by way of my account number and routing number up until XXXX of XXXX when unexpectedly my loan was transferred from XXXX XXXX  to Suntrust Bank now Truist. 

In the process of my loan being transferred, Truist failed to 1. update my account information so that those automatic payments would continue and 2. properly notify me of such changes. The only notice I got was a letter in the mail. No phone calls or emails. This is important to note because from 2 weeks before the transfer of my loan up until XX/XX/XXXX I was out of town. Not to mention the letter mailed to my address was accidentally taken inside of another unit on my property from a renter of mine ( in which I have written account from her stating there was no way for me to have known of this change because she accidentally had withheld my mail from my time of leaving town XX/XX/XXXX until XXXX ). 

This transfer of my loan along with Truist 's failure to update my account and properly notify me led to me missing a mortgage payment. However, even then the only notice they gave to me regarding a delinquent payment was by mail again. No phone call or email. Keep in mind I'm out of town from XX/XX/XXXX until XXXX for work in another state. And these notices too were mixed up in my renter 's mail and only found inside her unit when I arrived back home and did a random inspection of her unit on my property. 

It's extremely frustrating too because it's not like I didn't have sufficient funds in my account at the time of the missed payment. In fact, I have proof of funds and a bank statement dating from the same time in which such payment was missed and I had over {$20000.00} in my account when the missed payment was for {$1500.00} As a result of all of this, there is currently a 90-day delinquency on my credit which was reported by Truist. I have tried now 2 times to dispute this with them and they will not acknowledge their failures or update my credit given the circumstances of me not being properly notified and also having sufficient funds at the time of delinquency.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX ON XX/XX/2023 HAS PULLED MY CREDIT WITHOUT MY, THIS WAS DONE WITHOUT MY KNOWLEDGE, WITHOUT MY CONSENT. I NEED THIS TO BE REMOVED FROM MY TRANS UNION 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 2023-06-01
Company: Klarna AB
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I ordered from instacart. They offered a pay in four payment option through Klarna. I had not used it before and was unaware that the company arbitrarily assigns a purchase power or an amount they are willing to loan which varies from person to person. It does not tell you what this amount is. My order was above this amount. Not a problem if I had known. However, Klarna took 25 % of my purchase total out of my bank knowing they were not going to approve my order. Then it takes up to seven days to put back in my account. The agent said and I quote, the system automatically puts the money on hold just by trying to create the order to confirm that you have enough money for the first payment before the store processes the purchase. So knowing my order was more than they would approve they took 25 % of the purchase cost out of my account for up to a week. This happened today on XX/XX/23. All they had to do was decline the purchase it wasnt a big deal. However now they spend a week earning interest on my money when they knew they were not going to honor the lending agreement. Bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: AMERICAN EXPRESS COMPANY
State: WI
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:
Received unsolicited offer for XXXX XXXX gold credit card in mail XX/XX/XXXX. Was promised XXXX bonus miles, so requested card. When it arrived, I had a question about online access, so I called their customer service number on XX/XX/XXXX. Was told during this conversation that I was ineligible for the offer because I'd previously had a similar card several years ago. This restriction was nowhere on the Terms and Conditions of the offer I received. I would never have accepted the offer if I'd known that. This is false advertising. I have canceled the card because the company refused to honor the offer they made and I accepted, but I resent the hit on my credit because of their misleading offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$910.00}

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 2022-11-16
Company: EQUIFAX, INC.
State: MO
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:
I am submitting this CFPB complaint as a response to the Credit Bureaus current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This only serves to highlight your poor record-keeping skills. Now that it is closed and the amount is nil, this item is reportedly 30 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have shown " PAID. '' Unless you can show proof that you haven't violated my rights by reporting inaccurate information, delete it right away. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. If there are any legal updates needed, remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
It was not me dont know ware the bill come from having been to a hospital in eight years XXXX XXXX XXXX XXXX say I owe them I dont know ware they come up with that bill it worng for them to put it on me I dont owe them it was not me they have a collection on my report Franklin collection service {$100.00} its not me have no idea why it is on my report open XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: TX
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:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/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 explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 early XX/XX/2022 I made a {$500.00} payment to a credit account ( XXXX XXXX ) to bring my debt ratio down below the 30 % mark. On XX/XX/2022, both TransUnion and XXXX registered the payment and DROPPED my score by XXXX POINTS! I have filed a complaint with XXXX ( who collect my scores ) and they directed me to file a dispute with the credit companies. I did as advised, both companies have acknowledged that it was correct to report that I made the {$500.00} payment, but they refuse to adjust my credit score. 

I do not think the credit reporting system in this country is designed to penalize people for reducing credit. The credit reporting companies give the public clear guidelines about how to manage a " good '' credit score. I have followed those guidelines and had gotten my score up into the " very good '' range. A XXXX point drop buts me on the border between " fair '' and " good ''. This is a travesty that I believe keeps Americans from lifting themselves up in society. Please address this. 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 2022-05-15
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Experian XXXX XXXX. I got an email that one of my children 's SSN may be compromised. I called Experian XXXXXXXX XXXX, I was told I would need to upload my driver 's license, and my daughters birth certificate, and I would be contacted in 1 business day. 3 days later, I called Experian. I was told I'd be called back in 1-3 days. 3 days later, I re-called... I was about to be re-told I'd be called back in 3 days, but I insisted to talk to a manager. I was transferred to the fraud department. I was told no one was available, and I would be called back in 3 days. I was contacted 3 days later and was told they think it was a mistake, that happens by someone mistyping, but they aren't sure, and there's nothing more to do, and to lock the credit reports of my XXXX XXXX XXXX. 2 weeks response for a " identity protection service '' that results in : " We're not sure, we can't help further, here 's some documents on what you could do next ''.

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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion file number : XXXX XX/XX/2020 shows a phone number XXXX is not my phone number and it belongs to a company and it needs to be removed on page 1 of 11 under Personal Information or Transunion needs to provide proof of such number in personal cell phone name.

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