BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've sent multiple letters to transunion credit bureau concerning a bankruptcy, wrong addresses, & wrong birth date on my credit report, which probably explains the wrong information on my transunion credit report. I started sending letters in XX/XX/XXXX. I recently started sending additional letters starting in XX/XX/XXXX again.Transunion hasn't responded at all. It seems transunion is blatantly disregarding the rules of the Fair Credit Reporting Act. I recently purchased copies of all XXXX credit reports. XXXX XXXX XXXX doesnt have a bankruptcy on their credit reports. I've asked transunion how are they identifying a bankruptcy on their credit report. I've sent transunion a copy of my driver 's license everytime I sent a letter and advised them about the incorrect addresses & birth date. Below i also i have a letter from the Bankruptcy Court explaining they do not report or provide information to credit bureaus or agencies

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 2023-07-28
Company: Experian Information Solutions Inc.
State: NY
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:
The XXXX XXXX XXXX XXXX loan was successfully removed XX/XX/XXXX off my Experian credit report. And it has now relisted which is illegal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Balance : {$880.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$99.00} XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$880.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$99.00} 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 2019-10-05
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 I requested validation of this alleged debt of {$750.00} of which I was not provided proper validation of. XX/XX/2019, I received the attached notice from Resurgent Capital Service ( LVNV Funding ) stating that this account would not report to any of the national credit agencies. On XX/XX/2019, I have received notification from the credit bureaus that this account was now reporting on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: GATEWAY FIRST BANK
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Please see attached. Our original complaint that we filed with the Attorney General is included. 

Since the complaint was filed our current provider is working on a loan modification, which will double our interest rate. They have also sent us a trial period payment plan that is {$1200.00} more than our original payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am being overcharged interest every month. I am being double charged. I called my card company twice and spoke to XXXX people who said that my rate is XXXX and that is fact. Deal with it. I tried explaining that my purchases were all made under INTRP1 and that I should only be charged that rate, XXXX every month. I was told no, that rate just expired. My rate is XXXX and it just changed. I said that is not correct. I am being charged 2 rates every month. My statements show 2 rates every month with charges All the purchases that I have made per my statements come under the INTRP1 plan. That rate is XXXX. 
My last purchase was made on XX/XX/27 and came under INTRP1 plan. 
In XXXX, fraud transactions were put on my card that were not mine. All the fraud transactions were put on the XXXX. I told my card that these are not my transactions and I disputed them. I did not make those transactions. My card was credited back for the transactions but now I am being billed for the XXXX rate every month since the fraud transactions. The XXXX has a variable rate. On my XXXX statement the rate for this plan was XXXX have been billed interest for this plan since XXXX, right after the fraud transactions were billed under this plan. I asked my card to stop billing me interest for the fraud transactions and I was told that is not what is happening. My rate is XXXX. Again, I said that is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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: Reporting company used your report improperly

Complaint:
I n accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX, -XXXX XXXX XXXX Account Number : XXXX,. 
-XXXX  Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX -XXXX  XXXX XXXX XXXX Account Number : 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

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 2020-07-31
Company: DISCOVER BANK
State: FL
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: Billing dispute for services

Complaint:
I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I ran a transaction on my customers card, no problem, but due to problems getting parts due to the supply chain issue the customer got angry and did a chargeback for XXXX dollars. The bank ruled against my customer and in my favor, my customer sent me a copy of the letter he received from his bank stating they ruled against him, I sent you Square a copy of that letter three times and you are refusing to acknowledge it stating that the bank ruled in the customers favor, when we ask you for confirmation of that byway of either a letter or e-mail transcript from the bank you have refused every time. 
Your dispute team has suggested to recharge my customer card so you can fraudulently keep the fraudulent balance of XXXX dollars on my account. You also suggested that I take legal action against my customer to get the money WHAT?? What drugs are you on? To demand that I do any such thing to my client who has as well spoken to you and verified that his bank ruled against him. Therefore, after many attempts to resolve this matter you continue to refuse to clear that fraudulent balance off my account leaving me no alternative but to take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2019 I was routed to an employee with Equifax by the name of XXXX employee ID XXXX. When I attempted to find out why my credit score went from XXXX to XXXX, because the notification stated that the " consumer disputed the account '' which I knew this was not true he advised me that in order for me to obtain that information. I would have to pay {$15.00} to receive my credit score verbally or to have the remarks read to me that were left on my credit file. 

I immediately stated that I would like to speak to a representative in the United States. Every time I call Equifax I am routed to an International representative. XXXX employee ID XXXX routed me back to the United States in order for me to get the information that was requested, but upon obtaining that information. I found that the remarks were reported incorrectly neither I or my credit card provider had reported that I was disputing the entire account. 

When I contacted XXXX  I couldn't even get anyone on the phone they have an automated systems that refuses to put you into contact with any live representative. 

Regarding XXXX XXXX. I would like to know why they are changing accounts numbers on accounts that if ever need to be referenced would no longer exist under the same account number?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Midwest Recovery Systems
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:
Made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. on XX/XX/2018, I submitted a complaint to the CFPB asking MIDWEST RECOVERY SYSTEMS to VALIDATE a debt that they alleged I owed. At that time I respectfully requested that MIDWEST RECOVERY SYSTEMS provide me with competent evidence that I have any legal obligation to pay them seeing as I had never heard of them, had no written contract with them and had never received any benefits from them, yet MIDWEST RECOVERY SYSTEMS had submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and was demanding payment from me in the amount of {$410.00}. They responded to my complaint but made it very clear that I did not have any financial obligation to them in their response that stated " Additionally, a validation request has been submitted to our client. Once they have provided the requested documentation, it will be forwarded to you at the address provided in this complaint. '' I did not request for validation from their " client. '' I requested that MIDWEST RECOVERY SYSTEMS provide me with competent evidence that I have any legal obligation to pay them ( MIDWEST RECOVERY SYSTEMS ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: LEXISNEXIS
State: OH
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:
It came to my attention that my information and identity have been stolen on the dark web. Several accounts were charged without my permission, those in accounts Include XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX I would like this consumer information updated correctly on my credit profile and Document it four the public record

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
In accordance with the fair credit reporting act XXXX account number # XXXX XXXX, # 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. States I have the right to privacy. 15 U.S.C 1681 Section 605 A Section 2 : it also states a consumer reporting agency can not furnished a account without my written instructions.

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 2021-05-19
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XX/XX/2021 SSN : XXXX To whom it may concern, Im writing this letter to dispute the following accounts : XXXX XXXX XXXX This company is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$690.00} ; 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 explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 10th 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 alleged fraud or extortion.

EXPERIAN : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed XXXX {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-08-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize these companies or consent to any of these credit inquiries. Please have them remove immediately from my credit report. 


XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022XX/XX/2022XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX/XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022XX/XX/2022 XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
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 writing to express my deep concern and frustration regarding an unresolved fraudulent account that continues to appear on my credit report. Despite previous disputes and the submission of extensive supporting documentation, this fraudulent account remains unresolved, negatively impacting my creditworthiness and financial well-being. I request your immediate attention to this matter to rectify the situation promptly. 
Account Details : 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 2023-08-09
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened my account XX/XX/XXXX. 
Made one transaction, can't see the date because they suspended my account. 
Then suspended my account of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting Act XXXX  account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$610.00} 15 USC section 1681 a ( i ) ( 2 ) states medical information about the consumer can not be furnised 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a2 states a consumer reporting agency can not furnish an account without my written permission. 

XXXX XXXX XXXX  XXXX XXXX 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604a2 states a consumer reporting agency can not furnish an account without my written permission Fraudulent inquiries -- -- -- -- -- -- -- -- -- XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have sent over MULTIPLE letters, disputes and made too many calls to count. I have verified my identity, sent in documents from XXXX XXXX  that my file was compromised. whomever hacked in through my bank has my driver license number, address, social security number, birthdate, account number and anything eles that was on file. 
I have done everything the credit reporting agency has asked and more and they will not remove these items. Pleas someone help me!!!!!

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