BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
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:
I recently Checked my credit report and found an inaccuracy that credit bureau refuses to properly investigate.I have account statements that show account was never late and on time the following accounts below need to be updated correctly and accurately to never late with all late remarks removed : XXXX XXXX  Following dates need to be updated to on-time Dates XX/XX/2023 XX/XX/2023

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TransUnion needs to provide proof of validation on cfpb website. Eye do not want the Financial institutions to send me letters in the mail addressed to an all capital name which isnt me but a person which is a corporation. Since TransUnion replies on this website they should provide proof on this website of how a fictitious debt was verified especially when TransUnion along with XXXX and XXXX had no permission to allow frivolous and fictitious created debts to be reported using the Corporation which means employees of child support agencies and the financial institutions once again compelled the use of the social security, card, name and account number with out written permission, consent or authorization by the holder in due course to do so. Every letter that these financial institutions send in the mail will be used as evidence of identity theft in court and the acting Commissioner and/or the director for Social Security Administration will have to be present. Provide proof that TransUnion and IV-D Crime Family which is Child Support Services filled out a Ssa form to compelled the authorized use of the social security number and where the express agreement contract where We all agreed that these employees of private corporations could alter and sell the social security number for profit? If none of these items can be provided than theres mo verification and Eye would like the names of whos committing perjury!

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 2022-02-11
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Ive been scammed on the internet by a so called trading company. When these people were in the process of scamming me I received a letter through my regular mail about the Lending Club bank based in California. They were offering high interest rate loans of up to XXXX XXXX. Because I was operating under the illusion I was making good profits in the gold vs dollar market and being conned by the scammers, I applied for the loan to deposit more money in my trading account that in the end was all fake and I could never withdraw any money from it. The loan was approved in 3 days and they did not ask for any proof of income. They only checked my credit score and went ahead with the loan. Now. this scam I was the victim of is being investigated by the FBI. I had never applied for a loan before and did not search on the internet so it is really kind of weird I received that promotional letter from Lending Club at the moment I was being duped. Im in the process of filing for bankruptcy since it will be impossible for me to make 1390 monthly payment for 36 months. The first payment has already being debited from my bank account but I intend to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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:
I have sent a dispute letter to Transunion, XXXX, XXXX to remove negative items.Transunion, XXXX, XXXX then removed some negative items but not all. A couple weeks later these negative accounts were reported back on my reports inaccurately

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 2023-04-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
As of XX/XX/2016 a student loan was opened on my account which states I owe XXXX which says it owed to XXXX XXXX XXXX. In pursuant of a fair judgement regarding state statues the company and or credit bureaus are illegally posting accounts past Marylands statue of limitations. They are posting fake payments I never made and they have nothing with my signature bearing as evidence of any scheduled payments. For years this has left me in a position that hindered me from using my credit and seeking better financial opportunities. I deserve a fair chance to resume being in good standing with economic endeavors of credit in mind. Ive reached out to the creditors and the bureau agencies themselves. When confronted they stated it would be removed as per statue of limitation. When this was stated it would disappear and they would repost several months later

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Have contacted Credit Bureaus on numerous occasions to have a number of inquires removed and outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2022-05-18
Company: CITIBANK, N.A.
State: FL
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:
I received a notice that my Sears Mastercard would expire XX/XX/XXXX so I stopped using it before that date. On XX/XX/XXXX I received a test message asking if a charge on the card ( now expired ) was mine. I checked no.. A strange number called me claiming to be the fraud dept. I did not speak with them. I got my card out of my wallet and called the number on the back. They said they would remove the charges. Later I checked and there were more on my account. I tried online to mark them as fraud but their system wasn't working and said to call so I did. When I checked again the charges were still there so I emailed them on their secure email in my online account. I then got a letter in the mail saying the charges were all mine. THEY WERE NOT! I corresponded again thru the secure online. And AGAIN EACH MONTH AT LEAST ONCE A MONTH SINCE THEN. Now the letter says I have to detail what are not my charges but all of the history has been removed from my account. I can not see what is left and what was removed. I have requested this info thru the secure email with no response. They say they will send me new cards. I STILL HAVE NOT RECEIVED THEM! And the funny thing is, the LAST TIME my card expired this VERY SAME series of events happened. I want a detailed listing of XXXX and XX/XX/XXXX invoices and I want a list of items removed. I want interest and items still in dispute removed ... ..wish I could SEE what they are online. And I want my new cards. ( And with a different number - Last time, they sent the SAME number with a new expiration on a compromised acccount. They tried to say the cards were stolen. They were not either time. I have them ALL. Do they do this scam to everyone? This is the second time for me. Sears Mastercard XXXX XXXX XXXX XXXX XXXX XXXX REFER TO PREVIOUS UNRESOLVED COMPLAINT XXXX. I have started contacting this company on XX/XX/XXXX when I contacted the fraud department about charges made after the card expired XX/XX/XXXX!!!! I contact them monthly and finally got a response today off YOUR website in the form of attachments. All the company did was send you this. Nothing was done about the fraudulent charges nor interest. I am getting ready to make my final payment and the amount is WRONG! They did this same thing to me in XXXX- see my compliant from then too which was finally fixed. Same deal - expired credit card and fighting for months.

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 2023-06-02
Company: Frost-Arnett Company
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Frost-Arnett Company Reference XXXX XXXX XXXX XXXX Frost-Arnett a debt collection agency claims they are attempting to collect a debt owed to XXXX XXXX XXXX  ; before the payment the account was in default. Frost-Arnett 's information for the amount is inaccurate. There is not Account number.

Documents attached - Copy of Frost-Arnett Copy of XXXX XXXX XXXX Billing Statment Copy of Dispute Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 called multiple times to get the incorrect information resolved. They told me they would investigate it but nothing has changed. I personally DO NOT OWE ANY STUDENT DEBT! It's causing me a hardship. Also, there's different names and addresses that I've NEVER been associated with. I've reached out to all three credit agencies in XXXX and XXXX, XXXX and just recently in XXXX of XXXX with no avail. I can't get a place of residence because of it. 
I want to seek damages from all three agencies due to causing me such a hardship!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have disputed the following account name : XXXX XXXX  account # # # # # # XXXX with EQUIFAX on XX/XX/XXXX and the inaccurate information that violates the FCRA LAW and my RIGHTS is still being reported on my credit report when I pulled it today XX/XX/XXXX its reflecting obvious incorrect information such as the same account is listed 2x my credit report with the same account number but shows different Date Assigned one shows Date assigned as XX/XX/XXXX and the other shows Date assigned XX/XX/XXXX also Status Date are different for the same account listed 2x on my credit one shows Status Date : XX/XX/XXXX the other shows Status Date : XX/XX/XXXX in addition to that Balance Date shows differently as well one shows Balance Date : XX/XX/XXXX the shows Balance Date : XX/XX/XXXX also balance owed is incorrect. I have attached a copy of the credit report where I highlighted the numerous errors on my report and would like both of these inaccurate duplicate accounts removed and deleted from my account based on the FCRA Law and 15 USC 1681 e ( B ) Accuracy Of Report, 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information, 15 USC 1681 ( 5 ) Treatment Of Inaccurate or Unverifiable Information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
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 sent a letter of on XXXX XXXX to remove personal information/incorrect spelled names,0ld address that i did not want on my consumer report according the fair credit reporting act 15 U.S.C.1681 I have the right to privacy, 15 U.S.C 1681b ( a ) ( 2 ) also it states a consumer reporting agency can not furnish a account without my written instructions. Also according to 15 U.S.C.6802 no financial institutions are not suppose to share my information to third party people. There is a clear violation of my federally protected consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: PA
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:
My XXXX XXXX XXXX only address is XXXX XXXX XXXX. XXXX XXXX Place of Employment is XXXX this the correct information that belongs on my credit report nothing else..

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 2022-05-18
Company: I.C. System, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX the collection agency I.C. System Inc. add a derogatory mark on my credit report per XXXX. Upon, Further research, this account was transferred/sold and i am no longer responsible for the account. This creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( I.C. System Inc ) has violated my rights as a consumer and i am requestion legal actions to remove this account 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 2023-08-05
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: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-06-12
Company: EQUIFAX, INC.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a physical mail about some XXXX bill of {$4800.00} for XXXX construction, that has my home address to it. 

I am sure its a scam as when I called them back they asked for last XXXX of my social. When I did not give the same, they said account number has been removed and hung up. 

Following are the details of the company that sent me the email : Convergent outsourcing , INC . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX

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