BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Steaming from an {$120.00} XXXX Dollar Lawsuit with the XXXX vs XXXX XXXX XXXX XXXX and an on going judgment by XXXX XXXX XXXX XXXX XXXX, XXXX ( Attorneys at Law ) on XX/XX/XXXX for the amount of {$1.00}, XXXX dollars. On XX/XX/XXXX, I was harassed, unlawfully and illegally arrested by 4 XXXX Police officers. As a law abiding citizen, I was shopping as a consumer at the local smoke shop across the street from my residence ( located in the plaza near XXXX XXXX XXXX XXXX, in XXXX XXXX, NV ). During that time a male XXXX XXXX XXXX wearing a blue bandanna came up to the customer service rep on duty by the name of XXXX and started making XXXX slurs and XXXX  comments using the XXXX. I turned around and asked the two if they would not say those words and make such a negative atmosphere. Its ruining my day. In return, they were offended by me taking up for my XXXX heritage. As they approached me, XXXX said that the young XXXX XXXX was the owner of the store and he can say what he wants. If I dont like it you do not ever have to come back to the smoke shop. And I ask if thats what he really wants, no problem. Some words were exchanged by the two and the XXXX XXXX tried to get tough and say that he will call his people to attack you. As a result, I said that I will call my people to and proceeded to dial XXXX, as I am walking out of the store to report the incident. After reporting the call, I proceed to the local donut shop in order to purchase the black and mild cigars and energy drink that I attempted to purchase at the smoke shop. While on my way back to my residence, I noticed the two XXXX police cars arriving on the scene. I doubled back b/c I did not want it to look like I fled the scene when I was the person in danger and called the police department. Upon my arrival, the officers approached me, put me in handcuffs and read me my rights after the XXXX slurs/bashing and discrimination continued. While being detained, my identity, lab top computer ( which was in the custody of the XXXX XXXX XXXX XXXX located on XXXX XXXX XXXX XXXX # XXXX in XXXX XXXX, NV ), emails, credit and debit cards were compromised. Approximately, {$5.00}, XXXX dollars were illegally deducted from my unemployment account. Which was award as back pay while applying for unemployment through the COVID-19 epidemic. After I was released from custody I contacted Sheriff XXXX XXXX Area Commands department. The discrimination and XXXX  badgering continued by Detective XXXX via telephone from phone number 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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2023 I mailed a letter to all 3 credit bureaus informing that the XXXX XXXX  bankruptcy has expired and I would like all of the items included in the XXXX  XXXX deleted as well as the 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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 follow-up 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 items 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$610.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-06-18
Company: Experian Information Solutions Inc.
State: CA
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: Problem getting your free annual credit report

Complaint:
I can not get my credit report from Experian. I have tried for 6 months this year and they are refusing to furnish me with a copy of my credit report. 

There is a credit freeze on my account that I have cancelled several times. 
Experian keeps renewing the credit freeze with out my permission. 

Experian intentionally does not list a phone number to speak with a representative to resolve any credit issues with Experian. 

Experian is not complying with the COVID-19 guild-lines to allow credit customer 's access to their credit reports every 7- Days.

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 2023-11-07
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.

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 2023-03-17
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX 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 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 2020-11-19
Company: Nickel City Group LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The repeated calls are from XX/XX/XXXX.at ( XXXX XXXX XXXX. The most recent robo call was received today XXXX at XXXX am. I receive at least three to four calls a week at various times of the day. The company never states who they are trying to reach. It is just a recorded message that continues to play.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2021-05-02
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: Credit inquiries on your report that you don't recognize

Complaint:
Everything on this credit report from experian and XXXX XXXX is false. Multiple times Ive diputed the multiple miss spelled names on my credit report because I have not ever used them to apply for items or products. They have inquiries Ive never even heard of and it's funny how everything that's on the report was done in XXXX and XXXX. Now just recently they have been hacked again for people information.

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 2023-10-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've sent Equifax and XXXX letters asking them to delete the inaccurate information they are reporting on my report, but they completely ignored me. They continue to report the inaccurate information on my credit reports which have caused me to be denied credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Mortgage Research Center, LLC
State: IL
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 have been trying to get A mortgage from company for years nothing happened except my credit score went down every time I was turned down for mortgages I was also informed that Veterans United is not A Lender Veterans United is A insurance company this month I got A call from Veterans United XXXX asking about my credit score going up then he ask to check mt credit in which I believed him but I later found out that whike paying off my debts i am back where I started and Veterans united lowered my credit on purpose I want no more communication from this company or phone calls I have blocked Veterans United from my phone and unsubscribed from all future emai

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 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 37 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused 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
Consumer complaint received 2021-06-18
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a home video system installed by XXXX in XX/XX/XXXX. They bill through Best Buy. I paid it off in XX/XX/XXXX. For some unknown reason, XXXX started billing me {$19.00} through Best Buy card in XX/XX/XXXX. I was moving and had no idea why I was being billed but paid the XXXX bill, which included a late fee just to make it go away. They charged again in XXXX. I called XXXX. Spoke to XXXX in XXXX XXXX store in XXXX on XX/XX/XXXX at XXXX. XXXX agreed the billing was in error and promised to stop the billing, eliminate current bill and refund paid amounts. He did stop future billing but did not eliminate current bill. As such, I got late notices in XXXX and XXXX. I called and disputed the claim through Best Buy card ( citibank ). I started getting collection calls. I called Best Buy card again on XX/XX/XXXX and spoke to XXXX at XXXX. XXXX said it was all fixed. I received a letter from Best Buy on XX/XX/XXXX stating my dispute was not granted as they had insufficient information. Best Buy dropped my credit limit. I got collection calls on XX/XX/XXXX. I owe no one in the world other than my mortgage and a leased call. My credit is perfect. I would gladly pay {$80.00} if I owed it. Despite multiple calls and a promise each time this is fixed, the problem persists. They simply are not responsive.

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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have been renting and during my rent screenings I notice that each landlord will receive different information from my credit history. Its very weird to me and I have been denied due to this information.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 non-monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX is reporting a repossession on my credit reports that is not accurate. The address on a repossessions XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX. Ive never lived there. I live in XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX as youre about to see, Im gon na upload my ID with the address on it along with the Fraud affidavit. This needs to be deleted I put order information on the fraud affidavit. Theres no reason why it shouldnt be deleted or else else I will sue the credit bureau due to the violations report an accurate information without my knowledge

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2021-06-18
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I paid if my vehicle loan form Santander auto loan a year ago, at XX/XX/2020, the paid off report was never sent to credit report services. I contacted the Santander bank a hundred times, getting only promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never seem or heard of this company NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$1300.00} Amount {$1300.00} Status Date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: T.S. Holdings
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
15 USC 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer I DO NO VALIDATE THIS DEBT I HAVE NO CONTRACT WITH THIS COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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 status incorrect

Complaint:
Hello, I have XXXX credit card that I opened long time ago. At the time I had very hard situation to pay credit card on time and minimum due. This still shows on the record of my credit score and it is effecting alot. I want it to be removed.

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 2019-10-11
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: Information belongs to someone else

Complaint:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit and because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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