BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My rights as a federal protected consumer has been VIOLATED!!! Following federal laws has been broken FCRA sec 609 ( a ) ( 1 ) ( A ). I requested original wet signature contract stating I will pay said debt, also my signature given written instruction to report said debt on my consumer report 15 usc 1681b-2. Also said negative item is open, with late payments on my consumer report which VIOLATES my rights again 15 usc 1666b. I have requested XXXX XXXX XXXX XXXX license to collect a debt in XXXX, also the dates of the license and the name on it. Neither was provided, but yet transunion continues to report XXXX XXXX XXXX XXXX on my consumer report. FCRA 623 was broken also. I demand permanent deletion of XXXX XXXX XXXX XXXX account # XXXX. Also fcra 609 and 605 laws have been broken. I DEMAND PERMANENT DELETION IMMEDIATELY!!! 


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 2023-11-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, my name is XXXX XXXX and on XX/XX/XXXX I was the victim of a XXXX XXXX. I received a text and a link claiming to be the XXXX XXXX, saying that I needed to provide my XXXX XXXX and credit card number to purchase extra postage for a package that needed to be delivered. 
Later that day, XXXX purchases were made without my approval. My credit card called me because of the XXXX  activity. The purchases were made in the states of XXXX and XXXX. I live in XXXX and have never been in either of those states. 

My credit card company 'initially ' reimbursed the charges, started an investigation and issued me a new card. However, on XX/XX/XXXX I received a letter from my credit card stating that after their investigation I was responsible for XXXX of the charges. 
The charge they investigated was for XXXX from XXXX XXXX XXXX. They sent me " proof '' of the receipt claiming that a " XXXX XXXX '' ordered the items online and picked them up in the store with a photo ID. He apparently gave the email XXXX and the address XXXX XXXX XXXX without a XXXX or a XXXX. 
** I am not related to, nor do I know, anyone named XXXX XXXX! 

My address is actually XXXX XXXX XXXX 'XXXX  XXXX XXXX XXXX XXXX XXXX. ' The other charge was from XXXX XXXX for $ XXXX charge is still " under investigation ''. I didn't make these charges, I didn't approve 'anyone ' else to use my card, and there is no " XXXX XXXX ''. 
They also informed me of 'conflicting ' informatoin pertaining to this package being both 'delivered ' to my address, but also 'picked up ' at a XXXX XXXX XXXX XXXX location somewhere unknown. It would seem to me that XXXX XXXX XXXX XXXX would have a video of this transaction which would clarify my case. 

* I want these charges dropped. The credit card company isn't doing enough to resolve my case and appear to be aloof and dismissive about my situation. 
I have filed a report with the local police as well today with XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX Department ( Badge # XXXX - Case # XXXX ) Thank you so very much for your attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-07-10
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:
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 2020-09-28
Company: EQUIFAX, INC.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: GA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXXXXXX have violated my rights. 

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

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

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 2020-09-28
Company: EQUIFAX, INC.
State: MA
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:
GOOD EVENING! LISTEN, I'M NOT SURE WHAT'S GOING ON WITH CREDIT REPORTING AGENCIES, BUT IT'S ALMOST 90 DAYS AND THEY HAVEN'T RESPONDED ON EVEN LOOK INTO THIS ACCOUNT THAT I HAVE REQUESTED THEM TO. THEIR ARE SO MANY ERRORS ON THE WAY IT'S REPORTING AND IT'S INCOMPLETE AND UNVERIFIABLE AND IT'S CAUSING THIS ACCOUNT TO RE-AGED ILLEGALLY. CAN YOU PLEASE DELETE THIS FOR VIOLATION? THERE ARE 3 DIFFERENT DATES OF LAST ACTIVE, DIFFERENT DATES OF 1ST DELINQUENCIES, DIFFERENT DATES OF OPENED, AND DIFFERENT DATES OF LAST PAYMENT AND COMPLETELY INCONSISTENT WITH THE PAYMENT HISTORY. ONE REPORTS " C/O ''  STATUS THE OTHER OTHERS EITHER REPORT 30 DAYS OR 60 DAYS OR 90 DAYS. IMPOSSIBLE THAT THIS BEING LOOKED AT. PLUS, IF IT WAS REALLY INVESTIGATED, THE ACCOUNT STATUS WOULD BEEN UPDATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was reviewing my credit report and I discovered unauthorized inquires in which in I never applied

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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX FUNDING XXXX have violated my rights. 

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

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

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 2022-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Capital One account was deleted from my credit report due to inaccurate reporting on behalf of XXXX. On XX/XX/22, XXXX deleted the above mentioned account. The inaccurate information was placed back onto my credit report. I have been requesting an re-investigation on this account, and I have not heard from XXXX. 

According to the Fair Credit Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, and all accounts that you post on a credit report. I demanded to see verifiable proof. 

Under federal law, XXXX had 30 days to complete the reinvestigation. I am respectfully requesting a deletion of this account with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX KY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3500.00}, XXXX XXXX XXXX  Balance : {$14000.00}, XXXX XXXX Balance : {$1700.00}XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Do to my understanding I can't get approved credit do unlawful activity on my credit report apply for credit card to rebuild my account history I requested to be approved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 wi the fair credit reporting act, Credit collection XXXX XXXX I account number 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 an 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 2023-11-07
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I sent XXXX payments, XXXX for {$2400.00} and a second for {$3100.00}, satisfying the total amount owed on my XXXX loans including outstanding interest charges. The payments were applied in a manner that overpaid XXXX of the loans while balances remained on XXXX of the XXXX loans. As of XX/XX/XXXX my loan details indicate : - Loan XXXX Principal : $ XXXX - Loan XXXX Principal : $ XXXX - Loan XXXX Principal : {$1400.00} - Loan XXXX Principal : {$860.00} My account page indicates that {$26.00} in interest charges have accrued on my accounts since my payment in full was received, though it does not indicate a payment due. I have verified that my loans are still reporting as open with balances due according to XXXX an XXXX. 

I have made XXXX attempts to resolve this issue by calling Moehla : On XX/XX/XXXX I was advised that the matter was escalated and would be resolved by their payments department. No response was ever sent, no updates were made, and the loan balances continued to reflect the misapplied payments. 

On XXXX I called again and spoke to the payment department who assured me that the matter would be resolved. I have not received any response, electronically or otherwise, no updates have been made, and the loans continue to be reported to the credit agencies as having an outstanding balance. 

On XX/XX/XXXX I sent an electronic message via the Mohela account portal advising that my loan details continued to reflect the misapplied payments and the credit agencies had not been updated to reflect my balance as paid in full for XXXX full months. I have received no response from this message as of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Affirm Holdings, Inc
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XX/XX/2022 I submitted a request for the cancellation of a duplicate ticket. Until this time I was unaware there was a duplicate ticket and when I became aware I immediate contacted alternative airlines because I also purchased cancellation protection in the event I had to cancel my ticket. However, upon requesting to cancel duplicate ticket I received many conflicting messages from the ticket has be cancelled, I only had one ticket and needed to change the date, and there is no duplicate ticket. Eventually I was told that I could not cancel the ticket after 24hrs ; by which the ticket was allegedly purchased on XX/XX/2022. I continue to explained to the representative that I could not afford to pay for the duplicate ticket as to I do not need it or can use the ticket. They continue on to say that they could only could give me credit. However I am not a big traveler, and I don't foresee me needing this credit for future travels. This trip was my friends birthday trip by which I was invited to go and it turned into a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: LA
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:
Equifax/Equifax credit bureau has constantly been dishonest, contradicting, deceptive, unfair, and willfully noncompliance. I became aware of my rights as a consumer, natural person, living woman that I have to give Equifax/Equifax credit bureau permission to furnish anything on my consumer report. First they claim they could not locate my report but now they are claiming I provided proof of identity, which I did not because Im not disputing anything. Equifax/Equifax credit bureau is sending auto generated responses ( I have proof of the current and previous responses I and others received from the Equifax/Equifax credit bureau ) and Equifax/equifax credit bureau is not taking my vital situation up seriously. I also did not send them a request about inaccurate items. Im enforcing my rights as a consumer/natural person/living woman for Equifax/Equifax Credit bureau to remove the items as I requested. According to the SSA a social security card is not use for identification, which Equifax/Equifax credit bureau is requesting. Equifax/Equifax Credit bureau removed one account but not the remaining accounts I requested to be removed. They are violating my unalienable right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened on XX/XX/XXXX a new HomeDepot credit card with a promotion for 24 months without interest. 
A purchase of total {$6000.00} was made on XX/XX/XXXX with promotion for 24 months without interest. 
Payments made : every month for last two years. 
I discovered that they didn't apply promotion to my card. 

I called the customer service multiple times since the purchase date to make sure that the 24 months no interest promotion is applied to my account and I was assured and confirmed that it is done and applied. 
On XX/XX/XXXX I received a letter stating that the above mentioned promotion was not applied to my account and therefore I have more than 3000 $ debt instead of XXXX $ that is supposed to be. 
I called the credit card company and asked to provide recording for all my conversation with customer service, they refused

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