BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I initiated an investigating on my credit file Experian keeps. I never received a response. I again wrote them several times and still didn't receive a response on the file in-question. After my seventh letter, I began to keep a record of Dates, shipping info, and receipt. On or around the XXXX of XX/XX/XXXX, I sent in my 7th letter in because I finally got a response from Experian stating my account was verified. My response at that time, was for them to provide me proof that this filing exist with my signature, and if not to delete the file immediately. Nothing was received, I again sent another letter on or around XX/XX/XXXX. Now at this time, Experian not only broke several violations stated by law, but Experian hasn't even begun to visit the reason for my dispute. 

The account was opened XX/XX/XXXX ... Federal and State statute of limitation has already expired. Also the mere fact Experian hasn't respond to my issue initially, is another grounds for deletion. They are illegally reporting an account which should not be on my credit file, thus causing my credit score to be even lower. I '' ve even tried disputing one last time on Experian 's on Website XX/XX/XXXX & XX/XX/XXXX and was denied, stating " You have previously disputed this item. We are not required to process a duplicative dispute ''. I have included copies of everything I've stated attached to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX, I received a mailer from US Bank that included some checks to be used for Balance Transfers. Upon further inspection I noticed that the checks contained no security features whatsoever. I took then into my nearest US Bank branch and the confiscated them for having no security features. I then called the corporate office and they told me it is common practice to mail out checks without any security features on them. I told them to stop sending these out. Then today I receive another mailer with the same substandard checks. By security features, I am referring to features on checks to minimize fraudulent use or forgery of checks, such as microprint, security seal, heat-sensitive ink, and writing only visible when held up to the light. The checks the bank is continuing to send me have none of these features.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reviewed my credit file for accuracy and asked all three credit bureaus to validate accuracy. After further review, some items were removed off some bureaus but others remain. according the FCRA, all information must be the same on each credit report. If one bureaus finds inaccurate information or delete information it must be shared between all three bureaus. i have provided a copy of the investigation results as well to the bureaus. 

XXXX : XXXX, DELETED by Transuion, remains on XXXX and XXXX XXXX : XXXX, DELETED by XXXX, remains on Transunion and 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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Why isn't XXXX following the law under the Fair Credit Reporting Act that I'm protected under as a consumer? When validating debts a letter that is stating it is valid from the credit bureaus is not a legally tangible instrument of validation of the debts. 

XXXX identifies itself as a consumer reporting agency UNDER 15 U.S.C. 1692g Validation of debts ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


I never received a letter of validation for the record at all and Equifax is responsible for the following damages : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 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 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1692g Validation of debts DELETE THE FOLLOWING ACCOUNTS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-11
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Experian / XXXX XXXX XXXX XXXX XXXX, TX XXXX To Experian Dispute Department DELETE XXXX XXXX XXXX because of multiple inaccuracies. 1. In the account number sections of this listing their are 3 different account numbers reporting. XXXX is reporting XXXX as the account number. Experian is reporting XXXX as the account number. However XXXX is reporting XXXX. These account numbers are inconsistent. 2.  In the Last Payment section of this listing. XXXX and Experian is reporting XX/XX/XXXX for last payment made. However, XXXX is reporting XX/XX/XXXX as the last payment date made. These dates are inconsistent. 3. In the Date Opened section of this listing. Experian and XXXX is reporting XX/XX/XXXX for date the account was opened. However XXXX is reporting XX/XX/XXXX. 4. This is a closed account that still is reporting current activity on it. How could this be. Dont you get your reporting from the same company? Please Delete Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :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 2020-02-19
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection was placed on my credit report from Southwest Credit System for {$190.00} on XX/XX/XXXX. 
I called the number listed on my credit report on XX/XX/XXXX. The representative states this is a XXXX account closed on XX/XX/XXXX which was placed with them from XXXX. I have not had a XXXX account. I never received any correspondence, contact, or NOTICE OF DEBT or DEBT VALIDATION from Southwest Credit System. This is inaccurate and definitely a violation of FDCPA since I never received any notice or anything to dispute the validity of this account place on my credit report. By law I have 30 days to request validation of this account once it has been assigned to an agency. Not only is this not my account, but Southwest Credit System violated FDCPA as well. 

Section 809 Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt  collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: NY
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 filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
unauthorized information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Independent Savings Plan Co.
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: Account information incorrect

Complaint:
False and not agreed upon information was reported to the XXXX & XXXX  that hows now affected me and my husbands credit in a negative way. On XXXX, ISPC reported that the account we have with them that was " paid as agreed '' with the agreed upon amount by them and us was reported as a negative/adverse account. It was wrongly reported as " closed & not paid as agreed ''. They also reported the same negative/derogatory incorrect information with the date of XX/XX/2017 to XXXX. All the information reported to both of these credit bureaus is wrong and was not what was agreed upon after they received payment for the account. I believe there intent was after receiving their money, they wanted to ruin our credit maliciously which has now affected us in a negative way. I have made numerous attempts to reach out to them to have them correct the information on out credit and they have stated they will not change the information. They are sharks and scam artist with the goal of ruining peoples lives and credit with " 0 '' understanding and do not keep their agreements after payment received.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Informed them that I have been the victim of fraud. They tell me to contact the people who inquired directly to find out why they pulled my credit. I told them that after being informed that this is fraud, they are supposed to help me. I have called numerous times and spoken with many people, they all are giving me the run around and don't know how serious this is. I am asking them to remove all the fraudulent information ( inquiries ) as by the FCRA and that is to remove all incorrect, unauthorized and unverified. from my reports.

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 2021-11-11
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I need to escalate this issue to you because its been a month since I made an international wire transfer for {$5000.00} US Dollars through Citibank online system and the money was not sent nor received but it was deducted from my account. 

I did the transfer because I just had a XXXX XXXX 5 months ago and need to send money to my daughters. It was from my checking account that I have for more than 25 years to another account under my name I have in XXXX XXXX  in XXXX. 

I know is an internal problem in Citi because of their NEW PRODUCT to send in local currency. I made the same wire transfer to the same account and the same bank on XXXX for {$3000.00} there was no problem at that time. 

Then on XXXX, I did the wire subject of this complain for {$5000.00} US Dollars. Citibank offered a NEW product with no commission online if it was sent in pesos, I agreed because I wanted to save money. It was made exactly to the same bank and the same account of the previous transfer I would never imagine the nightmare and that it was going to be even more costly because I can not use my {$5000.00} here or there for more than a month!!. 

After several calls to the international wire transfer customer service XXXX ( waiting more than an hour on each call ), they stated that my bank in XXXX did not accept the transfer. I spoke with the CEO of that bank in XXXX and they said they can not receive it because Citi sent it to another account in XXXX, a subsidiary of Citi in XXXX. 

After trying to solve the issue over different instances with no success they offered me the refund. I accepted the refund and they promised to do whitin a week. Its been now ONE MONTH and I do not have access to my money. 

I request the immediate refund of {$5000.00} ( XXXX XXXX DOLLARS XXXX  ) which is the money they subtracted from my account. I should not be penalized for their internal problems in accounts and promises they can not fulfill. 

I need the entire amount and no lees than {$5000.00} dollars because any costs for unsuccessful exchange rates are not my fault but their incapacity to fulfill the products their offer. 

As you can probably imagine the trouble that is to live over a XXXX XXXX I urgently need my money back. After 25 years of being a customer now I seriously question the ability of Citi to solve customer issues.

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 monetary relief
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX, Account name : 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
Consumer complaint received 2021-07-16
Company: CITIBANK, N.A.
State: KS
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:
XXXX XXXX charged the credit card 3 times for the same purchase XX/XX/XXXX - day of original transaction {$1500.00} and agreed upon amount XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XXXX  XXXX  credited the card one time after being contacted XX/XX/XXXX ( {$1500.00} ) CitiCard issued two conditional credits XX/XX/XXXX ( {$1500.00} ) XX/XX/XXXX ( {$1500.00} ) CitiCard reversed both conditional credits XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} Resulting in an overcharge of by {$1500.00} Several phone calls, letters, emails, and filing of disputes with CitiCard never cleared up the matter even though agents on the phone said this would be taken care of. Further invoked XXXX XXXX dispute resolution without success.

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 monetary relief
Consumer complaint received 2023-04-05
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: Reporting company used your report improperly

Complaint:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Transunion is reporting late payments on multiple accounts ( XXXX XXXX XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave TransUnion written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Transunion violated my consumer rights by allowing these late payments/utilization to report to my consumer 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