BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Experian on Wednesday, XX/XX/, on or around XXXX XXXX PDT. I was on a long hold. Then an agent in XXXX XXXX dispute department answered. His name was XXXX. He alleged he couldnt hear me on the line. He said he cant hear anyone on the line and then disconnected the phone. There was nothing wrong with my phone. In order to get to a dispute agent, I had to interact verbally with Experians Interactive Voice Response System ( IVR or automated system ). Experians IVR requires the consumer to speak aloud in order to get transferred to the correct department. I didnt have any problems with the IVR while speaking out loud and the system acutely understood me. I then immediately called a colleague to test my phone. My colleague said I sounded loud and clear. Experian has many phone problems and it is egregious. This was not a one-time isolated event. This is a pattern of behavior for Experian.

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 2019-06-25
Company: Credit Technologies, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have NEVER authorized, nor signed ANY document authorizing Credit Technologies Inc. to contact ANY credit bureaus to pull my credit report, and they have clearly profoundly violated FCRA in taking it upon themselves to exalt institutional racism that exist on a corporate level without any signed documentation from me XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
So I sent a letter off on XXXX XXXX  t remove personal information that I don't not want on my credit report. According to the fair credit reporting act 15 usc 1681. I have the right to privacy also according to 15 usc 6802. No finacial institution is not suppose to share my information to third party people.

THESE ARE CLEAR VIOLATIONS IF MY FEDERALLY PROTECTED RIGHTS

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I asked Transunion to assure maximum possible accuracy to multiple inaccurate accounts reporting on my credit file. Despite my efforts, Transunion has failed to conduct a reasonable and fair investigation that these accounts are 100 % accurate. The lack of response has caused me significant harm to my financial reputation and mental health. I greatly appreciate your attention to this matter and assistance you can provide resolving the inaccuracies in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXXXXXX XXXX  XXXX XX/XX/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 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Neither XXXX or Transunion will allow me to dispute false information on my report. I have called, written and gone online. XXXX has stated it will not dispute my any false address information and fraudulent charges that XXXX will not investigate. 

Transunion has the same information and is harder to reconcile issues with. They will not allow me to setup an account online to monitor my credit. They are reporting false information and fraudulent charges from XXXX and are unwilling to update the information. Transunion allowed my personal information to be left out to the public and was supposed to give free credit monitoring and never honored their responsibility to me the consumer. Transunion has false information about landlord and tenant information, and has kept it on my record although disputed and false past the XXXX allowable public record reporting Period. Transunion has also allowed fraudulent searches of my credit history by XXXX  XXXX XXXX. XXXX  XXXX XXXX was not authorized to have access to my account and I have not business with XXXX  XXXX XXXX to support their access to my credit. Every time I try to dispute it the company does not respond to my inquiries sent by mail. 

Both XXXX  and transunion refuse to dispute incorrect reported information from XXXX XXXX  XXXX. I have attempted for several months to have the information reported to reflect fraudulent charges XXXX will not investigate but chose to award $ $ to a vendor that fabricated work done and did not fulfill their agreement. Both XXXX, XXXX and Transunion have ensured my credit dropped over 80pts chosing to let a fraud charge stay on my credit report and not ever doing anything to validate that the charge was indeed fraud. All three institutions are working against my rights as a consumer which is to protect my financial credit information. 

XXXX XXXX, XXXX and Transunion are stone walling against facts and using their power to prohibit me as a consumer to get justice against fraudulent interest charges and monies paid to a fraudulent company and giving unauthorized access to my credit information and not allowing me the consumer to monitor and dispute 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
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
For XXXX, I received a Vanilla Visa Gift Card from my dad. As a XXXX XXXX XXXX, I decided to wait until an emergency to use my card for food and toiletries. I opened the card months after receiving it and immediately saw two issues. When I opened the cardholder, the card was STUCK in the package. There was a piece of glue/adhesive from the manufacturer that glued the card and paper package so tight that it ripped some of the card patterns off. I had to rip the package off of the card in order to get the card out of the package. Once I got the card out, I noticed that the card was missing the last 4 digits of the 16-digit card code. Even where the pattern was ripped off the card, there are no digits near the rip, the last 4 digits are just missing. I figured that it was no big deal since the CVV on the back had not been tampered with and thought that I could still use the card for physical purchases. When I went to XXXX to purchase some necessities, my card was promptly declined. I was unable to set up a pin since I did not have all 16 digits. I searched online for the default pins and every single one was a failure. Embarrassed, I had to put everything back and immediately I spoke to my father to get advice on the situation and he did not know what to do. I asked him how much money was put on the card, he told me he did not know since he deposited the change from XXXX  shopping. I asked him for an estimate he said " Maybe XXXX? '' and I asked him if he could take the card back to the merchant and get a refund. He informed me that he no longer had the receipt since the purchase was months before our phone call. I decided it would be best to call Vanilla 's customer. I called customer service 3 times on 3 separate occasions and have NEVER spoken to a human. I was sent on a loop of automated messages even though I called within normal business houses XXXX XXXX XXXX. I waited on hold forever on every single call, hoping to speak to a human, but I never did. After my last call and waiting on hold only to be hung up on, I looked online and saw that MANY people had this problem. I was referred to file a complaint with the CFPB by a user on XXXX and now I am here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid {$260.00} to Caine & Weiner on XX/XX/21 and was advised by the customer service representative, XXXX  XXXX that processed the payment, the account would be removed from my credit reports with al l three credit bureaus and I would receive a letter after I made the payment. I have not received a letter by email as requested. So I am disputing with your company to assist me with removing the negative item off my credit reports. The payment confirmation number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : 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 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 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 2023-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. I am being harassed by multiple calls before XXXX and after XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX  and XXXX account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Back in XXXX of XXXX my credit union, XXXX XXXX, notified me that they no longer wished to do business with me and that they were closing my accounts. I had a checking, savings, credit card with {$500.00} limit and a line of credit for {$1000.00}. I asked them how i was going to pay my loans off if they were closing access to my online accounts. They said not to worry about it and that they would take of the loans, and they didn't want to have anything to do with me. They made me sign a contract about the loans being paid off by them if I agreed to never seek to do business with them again. They denied me any way to pay off the loans and then 3 years later in XXXX of XXXX they report my loans as being charged off, leaving 2 big red C-Os on my credit file. I contacted XXXX XXXX in XX/XX/XXXX about the problem and asked them to fairly report what happened. They failed to do so instead they moved the charge off date to XX/XX/XXXX. 

XXXX XXXX XXXX is the party that ended the banking relationship with full knowledge that I owed on 2 loans, they denied me access online to pay my loans off. I tried in good faith to pay the debt.

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 2023-08-21
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient failed to inform me when the pandemic payment pause was ending and subsequently started charging me late fees totaling over {$1500.00} before I became aware of it. 

I called and complained about it and they reduced the amount owed but it was only about {$400.00}. It doesnt make any sense that they would only eliminate only a portion of the late fees. It was their fault for not communicating when the pause was ending. 

I never chose to have navient be my loan servicer. My XXXX  loans were passed off to them without my consent. Ive been making loan payments for almost 2 years as required by navient. Somehow, these federal loans were not eligible for the loan pause that is ending this month for others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, 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:
Please address the missing items that have disappeared from my credit report and items appearing that arent mine. I have several trade lines not appearing that are in the attachment that was sent over. Please see the prior credit reports. Please provide a phone number of someone that I can speak with or email. 
Im requesting negative items to be blocked with police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Experian Information Solutions Inc.
State: WI
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 disputed the following information with Experian, XXXX, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX GET IT NOW XXXX XXXX XXXX XXXX & XXXX BANKRUPTCY CHAP 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 2022-07-20
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: Account status incorrect

Complaint:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX Balance Owed : {$6600.00}

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 non-monetary relief
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I went to the car dealership and they advised me that they were not going to run a hard pull on my credit and in turn, they ran multiple hard inquiries without my consent.

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