BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: NC
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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My credit file has many mistakes on it all deriving from outdated technology from the 3 credit reporting agencies, as opposed to relaying on new information as well as certified physical documentation inwhich shows facts over unproven electronic Verification that can not be taken as fact. I'm demanding that these unknown, unauthorized accounts be blocked immediately. Please remove the following accounts, due to that fact that they are not mines. 

1 ) XXXX XXXX XXXX {$4000.00} 2 ) XXXX XXXX XXXX {$330.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX {$570.00} 5 ) XXXX XXXX 6 ) 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 explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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/2022 ) 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 XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-06-14
Company: Continental Finance Company, LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have spoken to the company several times in regards to incorrect late payment information that has been reported, I have also sent in my report that they requested showing the incorrect information and nothing has been done, I would like late payments to be removed due to inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: IL
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:
Hi there, Over the past few months I have been trying to dispute the accuracy of personal information on my credit report and I have failed to get a resolution. Past addresses keep showing up, past employers keep showing, and unrecognizable spellings of my name to mention but a few. I sent disputes to Experian, XXXX XXXX, and XXXX that are pending for the last two months. Old accounts that were closed years ago are still showing and the number of open accounts, I have disputed but never had an updated result. Can someone with a better approach to the fair credit reporting act help me out, please?

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 2021-09-04
Company: EQUIFAX, INC.
State: SC
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 am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. There are several inquiries reporting on my credit report I don't recognize and I firmly believe she has been continuing to acquire credit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i tried accessing my credit report and there is a credit freeze on my credit report that i cant seem to access or gain control over. i cant log on to my XXXX  account any more my email, phone and phone numbers has all been compromise and i have sent a copy of my i.d social and and requested from XXXX and and the other company to update and release my my information. i got denied. my american express, XXXX, XXXX, XXXX  and XXXX XXXX all are compromise american express and XXXX  cancelled my real account and the fake one is still up and running.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX, TransUnion, XXXX violated : 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. 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. 

When I explained this to the reporting agencies they only updated the accounts even though it's proven identity theft, incomplete, inaccurate information in my consumer report XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Please contact me to explain what information needs to be in a suite when you proceed pro se or point me in the right direction... .ps I tried to provide supporting documents for my previous disputes but the web site doesn't support the size of a screenshot of my id or any other files. When struck with this a couple days later that's when the results came back as updated ... ps I like how at the end of this complaint we have to check to give you authorization to even access my 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 2018-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I got served a Summons from the Attorneys of XXXX XXXX XXXX about a debt that I owed to XXXX XXXX XXXX. 
I sent them a debt verification letter in return and received a reply. 
In Utah, you have to be registered and licensed as a debt collector in order to try and collect on a debt. When I called the office of XXXX XXXX XXXX, I asked the gentleman I spoke to if I could have their professional license number so I could verify if they were licensed to be a debt collector. He claimed to not know where he could find this information, and I would have to do so on my own. 
I called the Utah Division of Commerce, Consumer Protection and found out that while XXXX XXXX XXXX is a legal law office, they are in no way registered or licensed to be debt collectors, so have no legal right to try and collect on my owed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
CITI Group recently sent me this response to an inquiry about credit services : " Citibank , N.A . 

XX/XX/2018 Office of the President XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX, SD XXXX Dear We have received your inquiry that was submitted to the Consumer Financial Protection Bureau regarding Citis U.S. Commercial Firearms Policy. 

We have a deep respect for those on all sides of this important debate. Consumers may legally purchase a firearm with a Citi credit or debit card. In addition, there are millions of Americans who use firearms for recreational and other legitimate purposes, and we respect their Constitutional right to do so. Thank you for sharing your views, we appreciate your feedback. 

Sincerely, XXXX XXXX Executive Response Unit XXXX cc : Consumer Financial Protection Bureau Case # XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE '' My question now is does CITI Group continue to provide banking/credit card/loan services to " business '' that manufacture and/or sell guns to the public? 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 explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: OH
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:
My personal information on my XXXX credit report is incorrect. I sent all documentation required both by fax and mail. My fax was confirmed that it was received. I could not get the issue resolved by the regular XXXX customer representatives. I requested to speak with Supervisor. The supervisor looked into the issue and after a long tedious process stated he updated my information. My birth year was incorrect. When I went to the XXXX online app. I found the information was not updated. Because I had been trying to resolve this four hours. I called the fraud number. I spoke with a supervisor who looked into the matter. He informed me that he was looking at his system and it showed the information was updated. He stated that my birth year was listed as XXXX I informed him that I was currently looking at the XXXX online app and it showed that the my birth year was incorrect. It had it as XXXX. 

These are the problems I encountered. 
XXXX. The main system at XXXX does not match the information that is on the XXXX on line app XXXX. The customers services representative are not able to have access to all the information and changes made by supervisors and as a result is giving the consumer information that is not totally accurate. 
XXXX. The verification process should be looked into. Representatives are asking verification question over and over again during the same call. It is not an efficient process and it is actually inhibiting consumers from getting critical information updated that is incorrect on their credit reports. 

In addition Experian has address and are incorrect. This information does not match the XXXX that XXXX bank uses. The loan XXXX at XXXX bank told me that they are associated with Experian. He pulled my credit report and verified the addresses that he showed on file. He went over each one separately. I confirmed the ones he had on his system were correct. When I checked the online Experian account it had addresses with information that were NOT correct there were addresses that the XXXX  loan XXXX did not have. This informs me that the information for Experian across different application and/or business users of Experian products are NOT consistent. 

XXXX does all application and companies that use XXXX have the same 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 2023-02-22
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a current Truist Bank, and I own a local real estate brokerage. On XX/XX/XXXX, I deposited a commission check into my account like I always do after closing. The check is from a reputable local real estate closing attorney. I have deposited dozens of checks from this attorney into this account. 

The next day I received an email that the funds were under investigation and that I would not have access to those funds until XX/XX/XXXX. They did not tell me the day the check was deposited in my account, they told me the next day. No one called me and explained why this was happening or what the process was to use the funds. The email says that I should check my balance every day until the funds show they are available. 

Today XX/XX/XXXX, the funds are showing as available just like the email said. So I decided to go ahead and pay the bills electronically. I believe I paid scheduled about 12 electronic bill payments and wrote 2 electronic transfers to employees that needed to get paid from this transaction. All of those bills were paid using my account/routing number. I would not have initiated those payments if I did not see an AVAILABLE balance. Nothing on the account said it was restricted or still in an active investigation. 

I then decided to use my debit card linked to this account to purchase something, which was denied. I called Truist, and they told me my account is restricted and in an investigation and that I do not have access to my funds. I told the lady on the phone that my account shows that I have funds available online, and nothing says my account is restricted. I also told her I scheduled bill payments using the account because it showed that my balance was available. She said that I should have access to my money on XX/XX/XXXX. I told her I would most likely receive overdraft fees for all those items. She offered no help and ended the call. 

This is entirely unacceptable. I need these funds to pay my bills and employees. Truist Bank should not be allowed to hold my funds for extended periods without giving me any explanation. Then they tell me I could use the funds when I see an available balance. I see an available balance, but they deny my debit card transactions, decline all of my bill payments, and I have no access to my money. Not only that, but I will incur overdraft fees for every bill and check I scheduled today.

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 2023-07-31
Company: Experian Information Solutions Inc.
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: 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 : Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX 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 an 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 2023-06-22
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I purchased an item for {$1200.00} from a private seller using paypal 's " goods and services '' service, which promises protections from scams and fraud. Immediately after the transaction, a dispute was opened under my account claiming that the item had not been delivered. The dispute was closed XXXX minutes later. I did not file this dispute. It is my belief that the seller exploited a security flaw in paypal and posed as me while opening and closing the dispute ; I have no way to prove that, but I know that I didn't open it. 

The seller provided me with a tracking number with a delivery date of XX/XX/XXXX ; though the tracking number shows the item as delivered, no package arrived. When I contacted the seller, he blocked me and deleted the listing. 

I then contacted paypal and tried to file a dispute. After XXXX weeks and nearly XXXX hours on the phone, I've been told that as the initial dispute was already closed, another dispute can not be opened and that once a dispute is closed no protections apply. This despite the fact that the initial dispute was only opened and closed due to a paypal security flaw. When I explained this to the fraud department, I was told that their internal records showed that the dispute had been opened from my account, and that nothing could be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-31
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:
My information was stolen and used without my authority. I have put a freeze on my credit.

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 2023-01-31
Company: Mortgage Research Center, LLC
State: HI
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 XXXX, Veterans United Home Loans pulled a hard inquiry on my credit report without my consent. I didn't complete the application on their website on XXXX because they don't provide soft inquiries on credit report for pre-screening but they still pulled a hard inquiry two days later without authorization.

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
N Accordance with the Fair Credit Reporting act XXXX  Account XXXX, XXXX, XXXX, has Violated my rights. 

15 U.S.C 1680 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 without my written Instructions.

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 2017-09-20
Company: EQUIFAX, INC.
State: AR
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:
There is a collection account on my credit file for {$380.00} from a XXXX XXXX XXXX. I have disputed this item several times because I have no knowledge of this account. I requested validation of this debt and never received anything.

Company response to consumer: Closed with explanation