BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I recently pulled my credit report and reviewed several unauthorized consumer inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 15 U.S.C. 1681 ( b ) states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681 ( e ) of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681 ( b-f ) I have never authorized any transactions with the following companies listed below As well as I do not have an account as defined under 15 USC 1693 ( a ) 2 with any of the below listed companies of any sort. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-06
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023

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 2018-10-11
Company: SYNCHRONY FINANCIAL
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
A unauthorized company, XXXX XXXX debited my PayPal account {$4.00} and {$83.00}. I noticed it right away and notified paypal. Pay pal refuses unauthorized transaction refund because they suggest the purchase is consistent with others in the account. I don't even know what this company " XXXX XXXX '' is all about.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 3rd 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-17
Company: Experian Information Solutions Inc.
State: NY
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 XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried over 10 times to get my annual credit report for Transunion. I keep getting an error when it sends me to Transunion 's page to try again later or call ( XXXX ) XXXX. I call and request my report and still nothing its been over two weeks, I want to speak to a live person at XXXX but that seems to be impossible. I call Transunion for the online department and the tell me they can not verify my identity because they can't pull a report that i have to check with the dispute center because it seems that i have a split file. I then call the dispute center and they tell me that i do not have a split file and my name, address, social and dob match perfectly. They then tell me to call the Transunion online department which then tell me to call the dispute center and its a big circle of nothing. I want to be able log into the the transunion dispute center at dispute.transunion.com but it again  tells me to call ( XXXX ) XXXX. I already have a username and password created. I have spoken to supervisors all over Transunion and nobody seems to know what they are doing.

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 2023-11-07
Company: WHEELS FINANCIAL GROUP, LLC.
State: AR
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I entered into a loan agreement with LoanMart in XXXX around the middle of the year. Things were fine. In XXXX they offered an additional {$1000.00} loan. I needed the money so I took it. This brought my loan total to {$2000.00}. I asked about moving my payment date. The man said hed send the paperwork. I didnt receive it, so my payment in XXXX was late. I called again and was promised the paperwork again. Would not take off late payment fee. Same thing happened the next month. In XX/XX/XXXX I finally got someone who explained that loan had to be current to change due date. I made my payment and called back the next day. Turns out they just had to send an email which I then signed electronically. Done. Around XX/XX/XXXX I started receiving phone calls and texts saying I had missed a payment, which I had not. First person I talked to said it was a mistake. Took off the late payment, so I thought I was good. Same thing happened in XXXX. I called and automated response said Id made payment, so I thought it was just another error and ignored. They kept calling. I talked to someone who said what had actually happened was I missed a payment in XXXX. Id made the payment but it was declined/returned a couple of days later. I disagreed and looked at my banking records which showed no missed payment. I called back to ask where to send copies of my records and was told that was NOT what had actually happened. What had happened was regarding the late fees I had accrued. I had approximately {$150.00} in late fees. My payments each month went to late fees and interest first, so therefore it was marking my payment as late each month. I couldnt afford to make a full payment, so I said Id make an extra {$50.00} payment each month until it was paid up. Everything was fine last month. This month I start receiving phone calls and messages again. I go to double check my payment went through and see that my past due amount has jumped up to over {$300.00}. I call today to try and straighten it out and the guy Im talking to doesnt understand me. I just told them Id made my payment, and Im going to start contacting whoever I need in order to report their loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: I.C. System, Inc.
State: OH
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:
Going over my credit report and noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX  XXXX   # XXXX -XXXX  XXXX, XXXX. # XXXX -XXXX  XXXX XXXX # XXXX -XXXX   XXXX  XXXX  XXXX XXXX XXXX -XXXX  # XXXX -XXXX  # XXXX -I.C. SYSTEM, INC # XXXX -I.C. SYSTEM, INC # 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 explanation
Consumer complaint received 2023-11-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been trying to dispute a fraudulent charge for {$2700.00} at XXXX XXXX in XXXX which has a date of XX/XX/ but appeared on my statement as a reversal on XXXX. I did not authorize this charge and have reported it as fraudulent by calling the Citi security department at XXXX on XX/XX/ where I was provided a case number XXXX and was told to wait for the security team to contact me via phone, email, or mail. 

I followed up to the same department on XX/XX/ and was told that I just needed to wait to be contacted for follow-up. I received no communications from Citi and called again on XX/XX/. On my XX/XX/XXXX call, the representative made another dispute and cancelled my card to issue me a new card number, then told me to wait for the security team to contact me. 

I still had not received any follow-up communications from Citi and called again on XX/XX/ to inquire why the charge was still part of my balance and why there had been no follow-up from Citi. The agent responded that I just needed to wait for the security team to send me a communication. I informed the agent that I would be filing a CFPB complaint since my fraud dispute had not been resolved after almost 1 month. 

The charge has not been removed from my account and I was charged interest and fees for it and it is still gathering interest. I am also no longer able to sign onto my online 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 monetary relief
Consumer complaint received 2023-11-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
a XXXX XXXX was opened XXXX XX/XX/XXXX & charges were made in the amount of {$9700.00}. The account was charged off XXXX XX/XX/XXXX. After ignoring numerous letters demanding payment, I wrote the collectors to say I believed their efforts were a scam & to send me proof of indebtedness. They sent documents showing the debt was for a credit card that I never had & a court order that was sent to my parents ' address. Their letter was dated XXXX XX/XX/XXXX but it got it in the mail in XX/XX/XXXX. I got married & got an apartment in XXXX ( XXXX XXXX XXXX XXXXXXXX ) and have never lived at that address since. I enlisted in the XXXX XXXX in XX/XX/XXXXXXXX XXXX XXXX XXXX years later ( XXXX proof ). I have made a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are two accts on my credit report, see attached that have no info, dont know whos owed, XXXX  and Equifax wont remove, they just make no sense ... ... all it says is it belongs to original creditor see attached. Ive asked over and over get nothing. Sent certified mail 60 days ago to XXXX and Equifax, still pending after all this time wont remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: IL
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 have had ongoing issues with incorrect credit card balance reporting by XXXX XXXX on my credit reports prepared by the three major credit reporting agencies ( Equifax, XXXX, XXXX ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), which requires furnishers like XXXX XXXX. to properly investigate and correct inaccurate information after receiving notice of a consumer dispute from a CRA. 

Specifically, XXXX XXXX XXXX account ending in XXXX currently has a {$0.00} balance and an XX/XX/2023 statement balance of {$190.00}. However, the CRAs are reporting a balance of {$10000.00} as of XX/XX/2023, which does not match any of my account statements. XXXX XXXX XXXX account ending in XXXX has a current balance of {$2200.00} and an XX/XX/2023 statement balance of {$2400.00}, yet the CRAs are reporting a {$3200.00} balance as of XX/XX/2023, again unmatched to any statement. 

These inaccurate higher balances negatively impact my credit score and exaggerate my debt obligations. I have disputed the incorrect reporting multiple times, but the CRAs often just verify the inaccurate information as reported by XXXX XXXX. This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the CRAs to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information in their credit file. 

Despite my providing their own account statements showing the correct lower balances, XXXX XXXX has failed to correct the information they furnish to the CRAs, in violation of their obligations under 15 U.S.C. 1681s-2 ( b ). XXXX XXXX and the CRAs have continued to shift responsibility back and forth, leaving these inaccuracies unresolved. 

Therefore, I request that the CFPB investigate which party is responsible for the ongoing incorrect credit card balance reporting and ensure the information is fixed to comply with the FCRA requirements for accuracy and dispute investigation. The current reporting damages my credit standing and I seek your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX, XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: FL
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:
DEROGATORY REMARKS/COLLECTIONS/ACCOUNTS XXXX. XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES 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 explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have sent in my FTC letters and late payment removal letters to the actual creditors and they have not responded in a timely manner and by them not responding back to me in a timely manner it's affecting my credit report because some of these accounts have been paid in full a are closed and the ones with late payments were paid off and brought up to good standing and I have asked the companies for a good will removal since the accounts were brought up to date and the accounts are paid off.

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 2023-07-06
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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2023-04-19
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:
Some companies are reporting me as late even when I am not so please look at the attached documents carefully to understand what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, 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:
On my credit report through a credit reporting agency specified as XXXX XXXX states that my Transunion  score has lowered 52 points due to XXXX XXXX onXX/XX/2020

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