BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 can not accept the presence of public records on my credit report. It is causing significant XXXX and distress, and I implore you to remove them without delay.

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 2023-10-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a result I am the victim of identity theft. XXXX XXXX XXXX is helping with this matter. Unfortunately XXXX XXXX XXXX isn't able to see my personal information. I see there is information on these reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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 2018-12-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Myself and other members of my family received a semi automated call about a debt that I know nothing about from HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Eastern Asset Services LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Contacted XX/XX/XXXX by automated system, and call was returned. Spoke with gentleman, and I advised him that I would contact the lender regarding this claim they have stated they have given I have arrangements with the company. I advised him I would contact the lender, and he stated " We are done here '' then disconnected the call. After this event, I returned the call to the company Eastern Asset Services contracted by XXXX XXXX His first response was either what do you want you little XXXX, or what the XXXX do you want. I advised him that I will not be talked to in a abusive manner and do not contact me as I will contact his compliance department. 
XX/XX/XXXX at XXXX XXXX  I received a call from the same number after requesting Do Not Contact. 
Returned the call and spoke with what seemed like the same gentleman XXXX XXXX who is the office manager of the facility. 
He stated that my account had been closed as of XX/XX/XXXX, and also stated that no contact had been made. This is clear misrepresentation of the facts surrounding the initial attempt to collect, and evasive methods attempting to conceal their inability to follow proper state and federal regulations stated in 15 US 1692f.

In addition, I spoken with compliance regarding this matter, and they are currently investigation the incident that occurred, but this will be pursued in a legal capacity as no individual should be subject to such demeaning attempts to collect any 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 2019-07-15
Company: Experian Information Solutions Inc.
State: TX
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 applied for a Private Party car loan at XXXX XXXX XXXX on XX/XX/2019, at their agency located XXXX XXXX XXXX XXXX, XXXX, Texas. 
I got approved based on my credit score and got the approval letter. 
Then I got someone from the back office that asked me 4 security questions based on my credit report. They use solely Experian. After answering, Experian denied my loan wrongfully following my answers which were accurate. 
I succeeded to negotiate a second series of questions, but I got the same result with different questions, denied, while I answered accurately to their questions. 
I called several times Experian on the phone. It's extremely difficult to get hold of someone in that company. Their call bots are everywhere avoiding you to get hold of someone. 
Finally, after trying several numbers and combination of call bots options, I got hold of someone at the dispute service by dialing XXXX XXXX XXXX XXXX # XXXX. 
I asked to this person if the questions where matching with my credit report. It appeared that my answers were accurate while I got declined. 
I asked to be put in contact with anyone in charge of the security question engine, to see if there is an error in their process and if I will have to go through another decline next time I will try to verify an approved loan by another bank which is using solely Experian ( like XXXX XXXX XXXX ). 
Experian told me that there is no-one I can contact to study the issue. Not an engineer, not a supervisor, no one is in charge of their questions generator. 
Now that XXXX XXXX XXXX denied my loan due to Experian security questions, I don't have any way to fix the issue with XXXX XXXX XXXX while I was on site with my banker who confirmed my identity by using my driver license and passport. 
A credit score and report agency should be used as a proof of my ability to finance and pay on time my loans, mortgages, bills and credit cards. Which they did validate, since I got approved A credit report agency is NOT an identity verification authority. My SSN is NOT an identity card. 
I would like to file a complaint against Experian, that is wrongfully blocking me to get a crucial loan due to their wrongly generated " security questions ''. 
Best regards,

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I disputed the reporting on my credit file. That dispute letter will be included as evidence. I requested Transunion to correct or delete information reporting in error on my credit file. I have disputed prior following all the steps and transunion refuses to remove the wrong information on the following accounts. XXXX is reporting last payment made XX/XX/XXXX and reporting on time payments XX/XX/XXXX and XX/XX/XXXX. This information is inaccurate. From XX/XX/XXXX through XX/XX/XXXX " no data '' is reported this information is incomplete. XXXX closed date XXXX XXXX while reporting 120 days past due in XXXX XXXX this is inaccurateXXXX XXXX  account is reporting last payment made was XX/XX/XXXX while reporting on time payments XX/XX/XXXX and XX/XX/XXXX. This is inaccurate reporting. XXXX XXXX XXXX is reporting last payment made XX/XX/XXXX while showing on time payment for XX/XX/XXXX. This is inaccurate reporting. XXXX XXXX is reporting open, the account is closed. Lease ended 38 months after purchase date XX/XX/XXXX, XXXX this is inaccurate. Last payment is reporting XX/XX/XXXX while reporting " no data '' for this month. From XX/XX/XXXX through XX/XX/XXXX no data is provided. This is an incomplete 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 2023-10-17
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: Experian Information Solutions Inc.
State: LA
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 had fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done and violates my rights as a consumer. i reached out to the credit breau on more than one ocasion to advise that my credit was being pulled with out my permission. the listed inquires were pulled with out my permission. discover financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   card XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX  XXXX/XXXX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX i did not authorized these inquires and demand that they be removed from 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 explanation
Consumer complaint received 2023-05-05
Company: BARCLAYS BANK DELAWARE
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: Their investigation did not fix an error on your report

Complaint:
I have contacted the company directly on many occasions over the phone. I keep being told that they will not accept payment on my debt and that my debt has been discharged. Ive been told several times and I even sent the credit bureaus a credit report challenge letter to look into the matter. 

I am trying to repair my credit and the company will not allow me to make a payment to settle the account and they will not remove the negative mark on my report either.

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 2023-10-17
Company: EQUIFAX, INC.
State: AZ
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I have contacted the company directly on many occasions over the phone. I keep being told that they will not accept payment on my debt and that my debt has been discharged. Ive been told several times and I even sent the credit bureaus a credit report challenge letter to look into the matter. 

I am trying to repair my credit and the company will not allow me to make a payment to settle the account and they will not remove the negative mark on my report either.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX 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 XXXX 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 2021-02-03
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Please conduct a proper investigation for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and send me proof of signature, the agency is reporting false information, this account is unknown to me. The account is showing paid and i need proof of validation and documention. It is reporting seriously past due. then it says it assigned to an attorney, what attorney is it assigned to?

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 2019-09-19
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019 I noticed that American Express was offering a credit card called Blue Cash Preferred. They offered {$300.00} cash back if I were to spend {$1000.00} in the first 3 months. See : https : //www.americanexpress.comXXXX  XXXX. 

This was the URL used but it is no longer working : https : //www.americanexpress.com/XXXX XXXX XXXX XXXX XXXX XXXX Attached below is a Word document containing the screen shot of the offer. I took a screen shot on the day I applied. It clearly says {$300.00} back. 

I applied for the credit card on the day of the offer -- XX/XX/2019. Proof that I filed on the day and time the offer was made is the screen capture of the date of the word file which was stored by XXXX on my computer. See the attached file called, " This shows the date on the word doc which is XXXX the date I submitted ... '' My account with American Express shows that my account was set up on XX/XX/2019. 

Three months later when I fulfilled my obligation to spend {$1000.00}, American Express failed to meet their obligation. American Express did not credit my account with {$300.00}, the offer American Express made. Instead, they only credited me {$250.00}. 

When I filed a complaint with American Express, they said they would investigate. However, upon investigation, they denied my complaint. I told them I had a screen capture of their offer but they did not seem to want it. They never told me how to send the screen capture to them. 

They denied my complaint saying the application did not have the proper code -- some code I guess for {$300.00} -- on the application form. When I later read off the screen capture with the URL code on it for the very page showing {$300.00}, American Express still refused to credit me with the missing {$50.00}. 

I would call that false advertising. I suspect that few future customers make a screen capture of their offer. They should not get away with such a deceptive practice this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: MD
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:
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 explanation