BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Two new accounts were opened. Credit score was reduced from XXXX to XXXX indicating the use of new credit lowered my score. I am retired and have a {$42000.00} personal annual income. The credit I am using is {$2700.00} which is 0.0644 % of my annual income. I have no mortgage, auto loan payments other than monthly credit card debt which is paid in full each month. The two new loans were for the purchase of {$320.00} and {$1100.00} items on a vendor promotion. Payments are {$28.00} and {$99.00} respectively and are debited from my checking account automatically on a monthly scheduled payment schedule until each item is paid in full over 12 months. See results below. 
On XX/XX/XXXX your score decreased by 8 points.

Credit Used The percentage of available credit that you're using increased, from 2 % to 3 %. 
Total Debt The amount that you owe on loans and credit accounts increased, from {$1600.00} to {$2700.00}. Examples of loans include student loans, personal loans, and mortgages. Examples of credit accounts include credit cards and lines of credit. 
Available Credit Your available credit increased, from {$83000.00} to {$84000.00}. 

TransUnion Credit Report Check your credit report for signs of theft, fraud, or error. 
Updated : XX/XX/XXXX Accounts & Balances You have a total of 26 accounts, 9 of them are open, and 17 of them are closed. 

1 New 1 Negative 0 Disputed Balance Breakdown Credit Cards {$2700.00} Real Estate {$0.00} Auto Loans {$0.00} Personal Loans {$0.00} Other {$0.00} {$2700.00} Total Balance Owed Inquiries Number of times that lenders have reviewed your credit report. 
2 Total Public Records Number of records provided by county, state, and federal courts.

0 Total Personal Information Information that you've supplied to lenders. 
XXXX XXXX XXXX Birth Date XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX Ct XXXX, FL XXXX Employer Name 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 2019-07-10
Company: Experian Information Solutions 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:
Account of XXXX XXXXXXXX XXXX is reported on my credit files for XXXX XXXX ANDEXPERIAN AND DOES NOT BELONG TO ME. They have both removed this account after much a do and reaching out and now i see they have placed the account back onto my credit report again. this is an error and this account and balance do not belong to me, i have sent the court documents dismissing and closing this error and letters numerous times and this is still not fixed. i have reached out many times and this is still not resolved. i need this handled please this is negatively effecting me,

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 2023-02-03
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I started a balance transfer from Citicards to new XXXX XXXX card. Requested {$13000.00} to be transferred on XXXX XXXX electronic app. I called 4 days later asking status. 

XXXX XXXX made 2 requests-paid Citi XXXX and 4 days later XXXX for total of XXXX transferred over to new unused XXXX XXXX card . I dont have XXXX of debt in Citicards XXXX XXXX onlyso 1. Error making 2 payments for balance transfer ( only one authorized with me ) 2. Transferred someone elses debt to my account. 

Now, I am over limit on XXXX XXXX ( so interest being charged ), I was told by XXXX XXXX that Citi has to refund money for me to pay XXXX XXXX. Citi said refund would go to my checking account. Its all a lie. My credit card for Citi has been refunded. Now Citi shows I have a XXXX credit. How can I pay XXXX  when my credit card was refunded for the error. You cant pay a credit card wjth another credit card. 

I need Citicards to pay XXXX. And then for all interest and additional transfer fees to be refunded. And credit is down over XXXX points because of this error. I really need help! Thank you! Also, I did this balance transfer to take advantage of XXXX XXXX XXXX mos 0 % APR. and cant even take advantage of this bc double was transferred over.

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 2022-10-16
Company: Experian Information Solutions Inc.
State: SC
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:
Whom it my Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I am now enacting my consumer and Civil Rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 
The following derogatory account accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be remove immediately. Do so TODAY, even right NOW! The obvious infractions are as follow : Alleging Creditor and Account as is reported on my credit report : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account- XXXX Comment : inaccurate, DATE OPEN, on my XXXX and Experian report NOT ACCURATE ACCORDING TO XXXX XXXX Guide Lines

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 2022-05-05
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I paid a collection XX/XX/2022 and it was removed from XXXX and XXXX that following Monday. I noticed it was still listed with Equifax in XXXX and reached out to the creditor who was able to confirm it was paid and provided me with the confirmation and reference numbers so I disputed the collection report on Equifax 's website. I was informed that the collection still stands as of XX/XX/2022 as unpaid! I reached back out to the creditor who repeated what the previous agent told me and advised me to reach out to Equifax. I called Equifax and explained that I had already spoken with the creditor who not only confirmed payment but also the removal from ALL bureaus and the agent I spoke with at Equifax just advised me to submit another dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Incomm Holdings Inc.
State: TX
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:
I purchased XXXX cards from Incomm online more than 2 months ago. When the cards arrived, they had fraudulent transactions on them. I opened my case more than 2 months ago and they still have not reimbursed me for the fraudulent transactions. I ordered these cards to use them right away - not to wait more than 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: LDF Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I live in Georgia and per Georgia law, ANY AND ALL payday loans are ILLEGAL and I was NOT aware of this and this company did NOT disclose this. Here is the law from the Georgia.gov law book. The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In 2004, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/2004, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year. 

Usury laws limit the interest rate amount a lender can charge. In Georgia, a licensed lender can not charge more than 10 % interest on a loan of {$3000.00} or less. Most states have a usury limit ; if you were to borrow money from an out-of-state lending institution, that states cap would apply. Bear in mind that these rates may differ from Georgias rates.

I want this debt to be legally CANCELLED. They are NOT licensed to do business in Georgia nor have a Georgia Industrial Loan License.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
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:
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.

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 2021-02-18
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 found inquiries in my credit report, and I do not know what to do. My report showing some wrong data like wrong inquires, fraud inquiries! I am very sad because when company that I want to organize loan with, saw my report they declined because of these inquires but I tried my best to explain them that I do not know these inquires I have never authorized them, however its too late already so my question is for you - Could you please remove information that is not mine? Its damaging my life ... as a result I am not approved! I have never signed with those companies and I never authorized those items. Its identity theft! Please remove these items from my credit report asap

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 2023-10-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a email saying that my last complaint with my information was verified and updated but how is everything verified and updated when I say that the status update of the account hasnt update since XX/XX/XXXX. Im receiving false information. The update status is also incorrect with XXXX XXXX and XXXX says that the status update was 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 explanation
Consumer complaint received 2021-05-21
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an account with Binance.us and you need to use a XXXX XXXX to access your account. For some reason it crashed and even though I have a login and correct password, I can not access my account without the XXXX XXXX. 

I have contacted them several times about this, they asked me to send them a screenshot of my bank account XXXX XXXX XXXX ) and a copy of my CA driver license and a video of me asking me to do the following : Don't worry, we can assist you manually. 

To help you with your request, please provide the following requirements to continue : Step 1 : Attach a selfie photo of yourself, holding the same proof of identification. 

Step 2 : Attach a video of yourself, holding the proof of identification and repeat the following phrase : " Today is ( DATE/MONTH/YEAR ), I am requesting to reset my account XXXX for my Binance.US account associated with ( XXXX XXXX. '' Please provide the documentation attached to this thread, or you may use a XXXX link. Unfortunately, we don't accept documentation within XXXX XXXX. 

After we verify your files, we'll authorize the reset XXXX process. Please understand that as a security precaution, we will temporarily suspend the withdraw function for 48 hours. 


- which was all done back on XX/XX/XXXX and have gotten no response I need a new XXXX XXXX  XXXX XXXX and setup key please so I can get back into my account and access my funds. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 a fraudulant hard inquiry on my credit dating on XX/XX/19. I never inquired about services and/or credit card with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2022-10-16
Company: Experian Information Solutions Inc.
State: MI
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:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ; ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX court as the furnisher that's forgery and misleading when the courts don't report this type of account. These XXXX accounts were listed without my knowledge, permission. 

Both accounts are closed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8400.00}

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
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: DE
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2022-09-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I was recently reported late on my XXXX account. I made a very small purchase and later exhanged/returned items. It was my understanding explained to me from the cashier that I did not owe a balance. Therefore, this small balance slipped through the cracks and ultimately caused me to be late. This is an honest mistake and I kindly ask XXXX to reverse the late payments as a sign of good faith and goodwill. My credit is suffering from this honest mistake and I am unable to get reasonable financing terms for day to day living expenses. Please help with removing the lates associated with this account.

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 2021-05-20
Company: SYNCHRONY FINANCIAL
State: WV
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 found on my credit scores a hard inquiry on my report. It was from XX/XX/ 2020. This was put on there without my consent. Someone tried to open a credit card with my information. I've contacted Synchrony Bank / XXXX to remove this hard inquiry on my report .They were notified over 30 days ago & Ive contacted them several times to remove it. They still haven't made any attempt to correct this. It is not helping my credit at all.

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 2021-05-20
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource sent me a bill in the mail telling me out I owed them {$120.00}. I have no knowledge of this account.

I sent Credence Resource Management documents requesting validation of debt pertaining to this account. They received the documents I sent onXX/XX/2021 at XXXX XXXX.

Credence Resource Management sent me back statements from another company. They did not send me what I asked for.

I have attached the documents that I sent to Credence Resource and the certified receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home through Wells Fargo in XXXX. Around XXXX I missed a payment and fell behind on my mortgage. I had lost my job and was on unemployment and as a result fell behind on several of my bills. I reached out to XXXX to either restructure or modify my loan so I could keep my home. I was immediately denied this request and instead instructed to let my mortgage fall behind XXXX payments or more and let it go into foreclosure and then they could help me. I was trying to keep my credit in decent standing and expressed that and again was told to let my loan default XXXX or more months XXXX file for bankruptcy and then they could help me. I was totally dumbfounded by this response. As a result, in desperation to save my home I filed for XXXX XXXXXXXX on a measly {$5000.00} which now totally wrecked my credit that I am still trying to rebuild. My attorney filed the paperwork for both my bankruptcy and the reaffirmation of my loan which they finally restructured and shortly afterwards sold to another mortgage company ( XXXX XXXX XXXX ). Because of this process now my loan payments are not reported to the credit bureau which would help my XXXX XXXX greatly, not sure why they won't report it. This was by far the most stressful loan process I have ever went through. I had to further ruin my credit by filing bankruptcy which was held against me whenever I tried to reestablish my credit, hiring managers for possible employment held it against me ( so I was told ) and not to mention how long it stays on a persons record. I am asking to be included in any class action suit against Wells Fargo as I truly believe that as a consumer they truly treated me unfairly.

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