BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several accounts that are appearing on my credit report. The accounts in question are as follows : XXXX XXXX XXXX, account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXXXXXX XXXX, account number XXXX, charge off account XXXX XXXX XXXX, account number XXXX, charge off account XXXX, account number XXXX, charge off account XXXX XXXX account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXX XXXX account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXX XXXX XXXX XXXX account number XXXX, charge off account XXXX XXXX XXXX XXXX, account number XXXX, charge off account XXXXXXXX XXXX, account number XXXX, charge off account XXXX, account number XXXX, charge off account XXXX, account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXX XXXX account number XXXX, charge off account XXXXXXXX XXXX XXXX, account number XXXX, charge off account XXXX, account number XXXX, charge off account XXXX XXXX  XXXX account number XXXX, charge off account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX, collection account I am disputing these accounts for several reasons, including but not limited to the following : The debts have already been paid in full and should not appear on my credit report. 
The debts have been settled or discharged through bankruptcy proceedings. 
The accounts do not belong to me and XXXX be the result of identity theft or a reporting error. 
The accounts contain inaccurate information or have been reported in error. 
I am requesting that these accounts be thoroughly investigated and, if found to be inaccurate or unverifiable, be removed from my credit report immediately. I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate any disputed accounts within 30 days and respond to me with your findings. 

Please let me know if you require any further information from me in order to investigate these accounts. I appreciate your prompt attention to this matter. 

Sincerely, 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 2016-06-28
Company: Platinum Holdings Group, LLC
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I got a line of credit through XXXX XXXX on or about XXXX XXXX, XXXX. Purchased items in the amount of {$3400.00}. My account went into collection and sold to another creditor. After joining the XXXX in XX/XX/XXXX I attempted to resolve this matter but they wanted payment in full with interest. I did not have the money and they refused to work with me. I waited for letters of legal action but known ever came. XX/XX/XXXX, I received a call from a gentlemen named XXXX. Did not give me a last name. He told me he was with a company named Premium Asset Services and want to collect a debt I had acquired with XXXX XXXX. He told me I had to pay the total balance of {$6500.00}. I told him I could not pay that amount. We made an arrangement for {$500.00} down and {$100.00} payments until I can pay it off. I paid {$300.00} and asked for him to take the remaining {$200.00} in two weeks. I did not feel right about it because to give me information about my account and tried to talk me out of speaking to a lawyer. So I canceled my card and did not pay the {$200.00}. He continued to call and threaten me with legal action. I did not respond. A couple days later I received another call from a gentleman named XXXX XXXX. Would not give first name. He left me a voice mail stating that my file had been sent up to his department for further legal action. He said he had already contacted my civil affairs officer and his next call will be to my inspecting general and will be issuing me a judgment. I called him back and tried to make some kind of payment arrangement but he said they wanted the money in full. He told me to borrow money from family or who ever. Then he told me to get a hard money loans or credit cards. I was afraid of him contacting my command, so I attempted to get loans and was denied. After telling I could n't get a loan, he got rude and told me I need to figure it out or he is going through with legal action and sending it up my chain of command. He called me childish, said I was not a soldier and all I am doing is playing soldier. Called an adolescent. Said its like robbing a bank. I told him to calm down and to respect my service. He then asked me if my " mommy new I was a playing soldier ''. I just hung up the phone and proceeded to speak with my XXXX for guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX. XXXX, XXXX XXXX XXXX OF 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-21
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a discover credit card for a long time and always paid my bills on time, and I have great credit score. Now discover is holding my Money order and saying they cant apply it to my account as a payment and refuse to send it back to me, and want me to send an another payment. I called the money order company and they said there is nothing wrong with the payment and that discover are using a different system to process payments than before. If discover is using a different method to process payment it should not be the consumers responsibility and I can not imagine how many millions of people are going through this problem and discover are keeping the consumers money. Its a burden on the consumers part And that the consumer have to pay the money order company a fee to reissue another money order. Please look into this they are keeping peoples money and telling consumers to call your Your money order company and the mean time the consumers have to pay a fee to get the money order reissued!!! Discover needs to fix this problem and send the money order back to the people!!! 
Please look into this matter and I am available to assist you!!! 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 recived an email from XXXX XXXX regarding Hard Credit Inquiry and closed account for something labeled as " Khols/CapOne ''. I did not apply for any credit recently and I am confident that this is fraudulent activity. I attempted to dispute the Hard Inquiry online with but they did not have an option to dispute a hard inquire. I need to do what I can to dispute the Inquire, it is negatively affecting my credit and I'm concerned over further fraudulent activity. I would like an investigation so I can take proper measures to insure my credits safety and security. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My account has been restricted, I am not able to use my account, I cant touch the money I have in there because some information from XXXX XXXX XXXX was sent to navy federal and I need u guys to clear this problem as soon as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-07-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau and they are disregarding my consumer dispute. Im stressed and have been sending letters before this and still no response. I am at the end of the road and filling this complaint. At this point I dont know what to do, about getting these items removed from my credit report. With these items on my report I am unable to get employment in my field and having difficulty finding housing. I would greatly appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Crow Creek Sioux Tribe
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took inquired about a loan for {$1000.00} and was approved and sent the funds before any information was given on the actual amount due for repayment. I was unable to login on their website until the day repayment was due. This is where I finally was able to see how much they would deduct biweekly and finally able to see the interest rate charged. The interest rate they charged is 689.99 % for {$1000.00} loan. I was completely blindsided and never thought charging so much was even possible or legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX 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 2022-10-21
Company: Experian Information Solutions Inc.
State: GA
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 had an address XXXX XXXX XXXX XXXX Florida XXXX and an employer named XXXX XXXX XXXX  that I never lived or worked for someone else has gained access to my credit report back in XX/XX/2022 and it wasn't me the only person I know lives in XXXX is my ex husband and his girlfriend I have been in Georgia for four years

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 2023-10-03
Company: Experian Information Solutions Inc.
State: MA
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 trying on getting rid of this REMAINING FRAUDULENT INQUIRY from my Experian Credit Report, as this was my only issue that I still found lingering and harming my credit record so I am requesting the Experian XXXX to please REMOVE this inquiry within 15 days, I am positively expecting that this FRAUDULENT INQUIRY will be removed when the time comes that I will be updating my credit reports again : EXPERIAN : XXXX XXXX  XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: MS
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 XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: ALLY FINANCIAL INC.
State: TX
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:
On XX/XX/XXXX and XXXX of 2023, I went on a XXXX XXXX. There was an issue with my sail and sign card giving me an error code of XXXX. I went from machine to machine and sometimes it worked fine and other times I received the error code. What I didn't know was every time I received the code, I was being charged. I showed 3 attendants at XXXXXXXX what was going on and they did know what the code meant. When I showed them the error code I was charged XXXX, just for showing them what was going on. I received a print out of my charges and on the 1st day and 2nd day of the cruise I was charged around XXXX to XXXX. Its that did not make. I went from customer service to casino and they printed out a report that said I had charged it. I told them to look at the surveillance video and they would be able to tell what was going on. No one at XXXX or XXXX XXXX  XXXX would listen to me and they never would allow me to view the surveillance. I called XXXX XXXX office from the ship and the lady said she would look into it. A few days later the holds were lifted off of my account so I thought everything was good. As soon as I leave the ship they put the charges back on my accounts. I have several credit cards on file with XXXX and they were all charged the fraudulent charges and all of the cards keep putting the charges back on my accounts. Then I will call them again because XXXX keeps sending them the paperwork that says I charged that much. They will not send the surveillance which is what is needed. XXXX XXXXXXXX allowed them to go over my credit limit by XXXX and they are refusing to adjust. I have been back and forth with them all and I am getting no where. This has been going on since the XXXX of XXXX in dealing with XXXX and I have been dealing with my credit cards since XX/XX/XXXX. Nothing is being resolved and I did not make those charges. My credit rating has dropped dramatically and no one will help. This is unfair and I want justice.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX 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 2022-06-04
Company: Kikoff Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Someone using my name and identity ( but using a XXXX, FL, address, a place I have never lived ) opened an account with Kikoff Lending LLC with a charge of only {$24.00} on XXXX XX/XX/XXXX. There are unconfirmed reports from other consumers that this company has been known to open accounts in one 's name arbitrarily. On a credit report run on XXXX XX/XX/XXXX, I was called " seriously delinquent '' by this firm. I am reported as past due by only {$6.00} as of XX/XX/XXXX. I never have dealt with this firm in the past, nor have I ever been delinquent on a payment. Attempts to phone the company lead only to a voice mail telling the consumer to email all questions to a dubious email along with SSN, etc. I have no intention of sharing private information with this company as they have decimated my XXXX to the point that I can't even get a small, short-term loan with my bank. I have reported this to XXXX and they have opened a fraud complaint and are seeking to resolve this. I have not sought legal recourse, but am comtemplating a criminal law suit against this firm. At the very least, they should be put out of business and the principals in the firm prosecuted to the fullest extent of the law for this felonious act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: CT
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$1400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation