BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Hard dates for reference - XX/XX/XXXX is the date my wife moved out, - XX/XX/XXXX is when I met with a an attorney who was referred to me by a friend of a friend, - XX/XX/XXXX is when I had been charged without authorization. 
- XX/XX/XXXX actually divorce filed my wife and I were separating just after the XXXX of XXXX and she moved out on XX/XX/XXXX this is when I went to speak with an attorney who was referred to me by a friend. Upon speaking with the attorney I let him know the first in for most important aspect of this process is the kids because I do not want to lose custody or have anything happen to them. He told me that he would look into it and get back to me. Then he asked how much $ I had. This brought up the conversation of retaining him at which point I said that right now I have roughly XXXX dollars and a little over XXXX available credit on my credit card. However if he could make sure nothing happened to the kids and I was for sure to be filed for divorce against than I would use His services for that as well. 

Within two weeks Of meeting with this attorney I was notified of this date taking the kids and putting them into foster care. At which point I then called said attorney mentioned above who indicated that he hadnt heard from me yet so hadnt done much to or inquired about my kids. This was absolutely unprofessional inappropriate and bleeding and negligible act. 

It wasnt until XX/XX/XXXX that I finally heard from my wifes attorneys and the divorce was not actually filed for another week after that however I then found that the attorney mentioned XXXX have charged my credit card on XX/XX/XXXX for {$3100.00}. 

I tried to dispute this with XXXX XXXX on a couple different occasions both times I was told that I didnt have proof so I could not challenge the charges. The only thing I signed with the merchant was a letter of intent but never approved a charge to my card. In fact the divorce wasnt even filed until mid-XXXX and the attorney that I hired and actually represented me during my divorce was retained XX/XX/XXXX or so which is a full 6 weeks after meeting with this merchant. 

Attached youll find documentation to support the above and would love to get this rectified off my credit and refunded accordingly.

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 2023-07-11
Company: EQUIFAX, INC.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX h

as 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 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 2022-03-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: VA
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following accounts. They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! )

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Hello. I hope this finds you well. Back on XXXX records # XXXX. We submitted a complaint to you regarding XXXX XXXXXXXX XXXX  In which you passed on the information to another agency. We never heard back from anyone. After a long battle with XXXX XXXXXXXX on the phone XX/XX/2019. We were told, because we mailed a final payment with a letter to close the account BUT logged into the XXXX  XXXX web portal to verify they received final payment ... that triggered " reopening '' the account in which we were charged {$500.00} +/- monthly fees plus finance charges since we had no idea " we reopened the account by logging on ''. XXXX XXXX via a recorded phone call on both sides, assured us they would remove from our credit report ... in which we filled a complaint with CFPD and wrote letters to all 3 credit bureaus. One credit reporting company did communicate with us and it is removed, but the other 2, never responded and the XXXX XXXX is a mark against us, with late payment and account closed by XXXX XXXXXXXX. This company preys on people mistaking them for XXXX XXXX, same logo, etc. Address out of XXXX XXXX, company is actually XXXX. How do we stop this company from preying on others? How do we once and for all get this horrid mark removed from the other 3 credit bureaus once and forever? They are a predatory falsifying " Bank '' lender NOT from USA

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 2023-08-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX shows experian account # XXXX was first 30 days late in XX/XX/2018. In the comments it shows as of XXXX i was delinquent. The balance they charged off shows to be XXXX but the amount they are collecting is XXXX. They cant add interest after they charged it off. My credit report has false data, XXXX different dates it was charged off and XXXX different balances. This needs to be removed from my report. 


XXXXXXXX XXXX XXXX shows XXXX was 30 days late and XXXX on another part of my report. It shows in XXXX it was charged off for XXXX but they say i am owing XXXX. Once again interest has been added. 

They also report me living at XXXX XXXX XXXX XXXX XXXX tx. I have disputed this with transunion and experian. They refuse to remove the false date.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TRANSUNION REFUSES TO PROVIDE PROOF THAT THIS BANKRUPTCY IS VALIDATED. 

TRANSUNION REFUSES TO PROVIDE THE VENDOR INFORMATION THAT IS REPORTING THIS BANKRUPTCY. 

TRANSUNION IS VIOLATING MY RIGHT TO PRIVACY TRANSUNION DOES NOT HAVE MY WRITTEN PERMISSION TO REPORT ANYTHING ON MY CONSUMER REPORT ( PERMISSIBLE PURPOSE ) ( 15USC1681B )

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 2023-11-17
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 belongs to someone else

Complaint:
I am submitting this complaint to bring to your attention a matter regarding my credit report that requires urgent resolution. Upon reviewing my records, it has come to my attention that there are items on my credit report that do not belong to me. Despite my ongoing efforts to dispute these inaccuracies over the past few months, they persistently remain on my credit reports. Through my research, I have identified that, under Section 605B of the Fair Credit Reporting Act ( FCRA ), it is mandated by law to remove items resulting from identity theft. Enclosed with this correspondence, please find the necessary Federal Trade Commission ( FTC ) Report with reference # XXXX, and relevant bank records, as discovered through my meticulous research, which substantiate the inaccuracies in question. I kindly request the immediate removal of the following items from my credit reports : EXPERIAN : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If, by any chance, there is a belief that these items pertain to me, I kindly request all documentation bearing my signature for verification purposes. As per my research, it is imperative for you to verify these items with 100 % accuracy, ensuring they are true, accurate, correct, complete, and verifiable.

Company response to consumer: In progress
Consumer complaint received 2020-12-15
Company: Experian Information Solutions 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCYS TO MAKR A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-08-24
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XXXX CONN CREDIT I, XXXX. CALLED MY PHONE NUMBER XXXX ASKING TO SPEAK WITH XXXX. I INSTRUCTED THEM TO STOP CALLING ME, THAT THIS PHONE NUMBER IS REGISTERED ON THE DNC REGISTRY AND HAS BEEN MY PHONE NUMBER FOR OVER 5 YEARS NOW. I ASKED FOR THEIR ADDRESS, AS IT IS MY RIGHT TO SEND THEM A DISPUTE LETTER IN THE MAIL AND THE AGENT REFUSED TO GIVE ME THEIR ADDRESS. THEIR AGENT TOLD ME IT WOULD TAKE UP TO 24 HOURS FOR THE CALLS TO STOP AND THAT I WOULD NOT BE CALLED AGAIN BECAUSE THEY MADE CONTACT WITH ME. THE USED AN ATDS TO PLACE CALLS TO ME. THIS IS ILLEGAL. THEY DID NOT GIVE ME THEIR LEGAL ENTITY NAME. THEY TOLD ME THEY WERE CALLING FOR CONNS XXXX, BUT CONNS XXXX SOLD OR ASSIGNED THE CONTRACT TO CONN CREDIT I, XXXX. I DISPUTE THIS DEBT, CONDUCT AN INVESTIGATION AND SEND ME RESULTS OF THE INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Double Jeopardy! Only the company who owns the account can legally report it and I clearly see multiple companies reporting XXXX XXXX and XXXX XXXX XXXX. Credit Reporting Agencies need to DELETE XXXX XXXX XXXX XXXX and XXXX XXXX XXXX immediately this is double jeopardy!

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 2020-12-15
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 2023-02-16
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: Their investigation did not fix an error on your report

Complaint:
It's been months since I found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-15
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking and savings account with First Citizens Bank, and when I opened the accounts, there was a promotional offer offering a bonus if I fulfilled certain requirements. I opened the account on XX/XX/XXXX. 

Looking back on my notes, here are the requirements : Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account # 1 - I did 11 debit card transactions within 90 days of account opening # 2 - I did enroll in eStatements # 3 - I did open a new savings account. 

My notes say that the bank will provide the {$300.00} bonus within 120 days of meeting the requirements. The requirements were fulfilled on XX/XX/XXXX, so 120 days later should be around XX/XX/XXXX give or take. 

I sent a message thru the online banking portal on XX/XX/XXXX since I still have not received the sign up bonus. 

" Hello, I hope whoever is reading this is doing well and enjoys their XXXX. I'm messaging you regarding my checking account. When I signed up, there was a bonus offer if I signed up for {$300.00}. I've had my account for a few months now ( and I like it, I'm also using the savings account which comes straight from my paycheck ), but I don't think I ever got the sign up bonus. Can you look into that? Thank you! '' I received a response later that day on XX/XX/XXXX stating : " Dear XXXX XXXX, Thank you for your message. We appreciate the opportunity to respond to your inquiry. Our promotions department is currently reviewing accounts opened during this promotion. Unfortunately, we do not have a time frame on when the credit will be applied to your account. 

If you need further assistance, please do not hesitate to send us a message or call us toll free at XXXX XXXX ( XXXX ). You can also contact us internationally at XXXX. Our representatives are available Monday through Sunday between the hours of XXXX and XXXX XXXX. Thank you for contacting First Citizens Bank. We appreciate your business. 

Sincerely, NAME Customer Support Specialist '' Which was very confusing as I've met the requirements on XX/XX/XXXX, 120 days later should be around XX/XX/XXXX, and I messaged in on XX/XX/XXXX, so they definitely should have had enough time to review my account, so I called into their phone line on XX/XX/XXXX. 

After reviewing my request, the customer service representative said I did not qualify for the bonus. 

However, based on the notes I have from when I originally signed up for the bonus back in XXXX, it appears that I have indeed met all the requirements and I should be eligible for the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-15
Company: EQUIFAX, 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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation