BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
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:
XXXX XXXX  XXXX XXXX XXXX is reporting that the account was charged-off in my credit report. I don't even know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt but they have not sent me anything. I have disputed this account with all 3 bureaus and XXXX and TransUnion have removed this account from my credit reports but, XXXX continues to report this erroneous account. Please remove it from my credit report! The next issue is a XXXX XXXX XXXX  # XXXX .... this account is also reporting as charged-off. Again, I don't know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt and copies of statements showing that this debt is legitimate but they have not sent me anything. I have disputed this account with all 3 bureaus and TransUnion has removed the account but, XXXX and XXXX continue to report the information, please have them delete the account from my credit reports. Moving on, there is a XXXX XXXX Delaware account in my credit report ( account # XXXX .... ) which is reporting as included in Bankruptcy. The bankruptcy was filed in XX/XX/2015 and according to the FCRA, accounts included in Bankruptcy can only report for up to 7 years... It is now over 7 years and I am officially requesting the removal of this account from my credit reports. Finally, the Bankruptcy public record for the Chapter XXXX Bankruptcy filed in XX/XX/2015 should also be removed from my credit reports because the account is now over 7 years old ( filed in XX/XX/2015 ). Please remove all of these accounts from my credit 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 2021-03-11
Company: I.C. System, Inc.
State: UT
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:
IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from XXXX XXXX XXXX about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 2021-04-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened an online checking/savings account on XX/XX/XXXX with Citi bank for the promotion of {$400.00} if I maintain a combined balance of {$10000.00} for a three month period, AND an additional 30 days for the promotion to be transferred. I called back in XX/XX/XXXX to inquire when my promotion would be awarded and citibank told me it would be in by end of XX/XX/XXXX. 

I called back on XX/XX/XXXX and asked why I wasn't seeing a promotional balance when it has already been five months since I opened the account and maintained the balance. Citi bank opened a ticket/dispute, and said they would contact me within five days with a resolution. Five days passed and I called again and they said the ticket has no updates and that I should call again the next day if I don't hear back within the day. So I called again the next day and this time the representative told me I would need to wait three more days as that is the expected end time for the ticket to be resolved, which is different from what the other representative old me ( five days ). I asked if I could take out the funds because I needed it for emergency family use, but they said if I take out the funds before the promotional balance is given to me, I may be disqualified for the promotion. At this point, my {$10000.00} has been in Citi bank for more than 6 months and I am losing money by not being able to pull it out.

I searched online because I knew this was unfair business practices to see if other people had the same problem as me, not being able to claim their promotion. I found that this is a common practice, citibank puts in fine print about not being about to pull out funds until the promotional balance is given, but they don't give the promotion in the advertised timeframe of thirty days. 

I don't understand why they needed to create a ticket for my promotional balance when it should have been given to me in the first place. Because I made a mistake by keeping my promotional balance in my savings not checkings, I lost out on the promotional deal the first time back in XXXX, so this time I made sure I met all of the requirements and confirmed with the support team TWICE. 

I believe that Citi Bank is intentionally not providing promotional balances until customers call multiple times to get the money because Citi Bank is trying to take advantage of the money they have for the additional thirty+ days and capitalizing it while holding customers hostage to keeping their funds in their Citi account because we can not pull it out until the promotion is given. 

This is unfair practice and I believe they should be sued for this type of reoccurring practice.

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 2020-12-29
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting request 's to pay a bill from a debit collector for a Dental office in XXXX XXXX, TX that first does not exist, second I do not live in TX I live in MI, Third the address for the Dental office belongs to a different organization, I checked with my dental office which is the correct name only and I do not owe them anything in fact I have a credit pending also they do not use this company for debit collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
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 filed a dispute regarding the incorrect items on my credit report, it has been well over 30 days I haven't received any investigation results, I was victim of identity theft and I filed a compliant with the FTC File # XXXX, I did not give authorization to following companies to review my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


The above inquiries are unauthorized by me and are 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 2023-09-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX inquiries have not been verified by the company. The supervisor at XXXX fraud department spoke with a Equifax representative on XXXX XXXX to confirm this information can not be verified. I will be moving forward with a law suit fir stress and damages also defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Consumer Adjustment Company Incorporated
State: TX
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:
On XX/XX/2022 I received a notification from my XXXX app saying that a collection hit my account for XXXX. I have not been to XXXX so I dont understand why XXXX is hitting my credit. I called XXXX and disputed the collection of of my credit. Not only did it drop my credit tremendously but it showed on my account again today. I believe I am a victim of identity fraud. I have reported identity fraud before and this is getting really frustrating. I shouldnt have to worry about my score dropping due to something that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
transunion said they would take care of problem if i identify which ones im having problem with XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( XXXX and travel ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Retailer ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX Retailer ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX this is list of problems i asked you to provide proof i was offered a card for each one thanks

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 2023-02-06
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:
This constitutes fraudulent activity and is a serious violation of my right to privacy. Not only is this a breach of my rights, but this is a defamation of my character. When you provide a negative account that you claim I own, other businesses notice it, which has an adverse effect on my credit report and quality of life.

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 2022-04-07
Company: U.S. BANCORP
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
Dear CFPB I received a credit card from US Bank that I never activated in 2021. Thus, the account was inactive. However, I recently received a bill for a charge on that account, which to remind you was never activated. I called US Bank and they said that they would investigate the fraud and credit me. That's fine. But the card was never activated. How can they process a charge for an account that does not have an active card and account? 
That is the reason for reporting this. It implies that they maintain a set of accounts that can receive charges from fraudulent actors instead of purging the account. So, the process of activating a card ensures that I don't use an inactive card, but doesn't ensure that a fraudulent actor is excluded. 
Something to look into. 
kind regards 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 2020-12-29
Company: EQUIFAX, INC.
State: IL
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 XXXX I sent certified letters to the credit bureaus regarding the inaccurate and unverifiable items on my credit reports. To this day, over 35 days ago I still haven't received a response. This has caused me great stress because I've been denied credit due to all of these bogus items on my report. My report showed multiple wrong names, addresses and unknown accounts. The Fair Credit Reporting Act Section 611 ( a ), plainly states, that a consumer reporting agencies shall provide written notice to a consumer of the results of a investigation no later than 5 business days after completion of the investigation and that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. I demand that these inaccurate and bogus items be removed immediately. It has been over 35 days so my next step will be to file for litigation due to the stress I've been caused. My information was also impacted by the Equifax data breach and someone may have gotten my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recovery is a junk debt buyer ( XXXX ) which means they are a company, party, or agency that buys charged off debt for pennies on the dollar. They are skirting the FDCPA by reporting as a factoring company and this is misrepresentation! Factoring companies are companies that buy accounts in good standing and take over as the OC of the account. They are also reporting the TL on a monthly basis which is against regulations for a collections company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 non-monetary relief
Consumer complaint received 2023-09-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In the attachment is a copy of a check written to my employee on XX/XX/2023 and cashed by him on the same day but as you can see it did not post to my account until XX/XX/2023 can you please contact all parties involved XXXX XXXX XXXX and Chase Bank to find out what happened and tell me is this legal to wait this long to post a check? XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my company name and my Chase Business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to bring to your attention a situation that I am experiencing with Affirm, a lending company that I used to finance a purchase made through XXXX ( XXXX ). My concern is that Affirm has reported delinquent payments on my account to credit reporting agencies, despite assurances from Affirm representatives that this would not happen. I believe that Affirms actions may be in violation of federal consumer financial laws. 

When I first opened my Affirm account to finance my purchase through XXXX, I was specifically told that this account would not be reported to any credit bureaus and would not affect my credit. However, in early XX/XX/2023, I received a notification from Affirm stating that my account was late and that it would be reported to credit bureaus. I immediately called Affirm and spoke to a supervisor who confirmed that this type of account would not affect my credit as it does not report to any credit bureaus. I also spoke to XXXX and XXXX who assured me that this account would not be reported to credit bureaus. Here are the case number from both calls that day ( Case # XXXX & case # XXXX ). 

I believe that Affirm 's actions may be in violation of the XXXX XXXX XXXX XXXX ( XXXX ) and other federal consumer financial laws that protect consumers from unfair, deceptive, or abusive practices in the financial marketplace. 


After 10 days, I received an email/message ( attached to this complaint ) from XXXX ( XXXX ID XXXX ) stating that the account in question ( XXXX ( XXXX ) ) does not include credit reporting at this time, and that all payments were made on time and no negative information was reported to XXXX. However, when I reviewed my credit account, I discovered that Affirm had reported my account as delinquent. 

When I called Affirm on XX/XX/2023 to request that they remove the delinquent reporting from my account, I was told that they have the right to report if they want and refused to remove the delinquent remarks. I spoke with XXXX and the case # XXXX. I believe that this behavior is unethical and goes against the assurances that were given to me by Affirm representatives. 

Therefore, I request that you investigate this situation and take appropriate enforcement action against Affirm if it is found to have violated federal consumer financial laws. I also request that you help me to get these negative delinquencies removed from my account. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief