BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-01-31
Company: EQUIFAX, INC.
State: DC
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:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2022 I notice there was serval errors on my credit report with XXXX, XXXX and TransUnion. I reached out to them to fix the errors and also sent out a notice of error to remove all fraud that has been reported on my account without my written consent. The credit reporting agencies never responded back to me or bother to fix the problem. So I sent out a second notice on XX/XX/2022 to all the credit reporting agencies and still haven't receive a response back for them to fix the errors. This will be my last attempt to try to work this out before I have to take the steps to start the litigation process about the fraud activity taken place on all the credit reports.

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 2022-05-18
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I attempted to make a XXXX. purchase via giving my card to a merchant to purchase an item. The purchase was denied. I called TJMaxx/Synchrony to state there was no fraud and I gave the merchant the card #. I called them 3x and was finally told I had to send a video of my license and a video of myself for verification. I attempted to take a photo of my license and it was not accepted. I was then told I was not able to use the card for one week.

This is unacceptable. I normally got a text if there was an issue of fraud. I was not given the chance to rectify the situation. Now I am not able to use the card. Every person I spoke to at TJMaxx Synchrony was rude and unknowledgable especially the fraud person.

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 2021-10-14
Company: Nationwide Recovery Systems, Ltd
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:
NATIONWIDE RECOVERY SY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$1400.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Debt Recovery Solutions, LLC
State: OH
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:
There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name XXXX XXXX  Account Date : XX/XX/2023 According to 15 U.S Code 1692c, 1692c ( a ) ( 1 ), 1692c ( c ), 1692e ( 8 ), ( 10 ) and1692f ( 1 ), a company by law is not to report information on a consumers credit report unless instructed or written permission was provided by the consumer to that company. XXXX illegally bought my information from a person and/or company without my knowledge or permission. This is a result of identity theft and as well as false representation on my credit report. You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I currently have my credit frozen with all 3 major agencies ( TransUnion, XXXX, and XXXX ) but am needing to temporarily lift the freeze to apply for a line of credit. When logging into TransUnion, it forced me to create a new password which I did but the status of my freeze on their website says " UNKNOWN '' and to contact an agent at the phone number provided. I called and was hung up on by their robot answering machine 3 times, finally reached an agent that also hung up on me, then got in contact via text just to be told they can't help me because my login information ( that I just changed ) was incorrect. I changed my password again and got the same error message. When I change my password, the site redirects you to your home page but then when I log out and attempt to log back in, it says my information is incorrect. I have not been able to successfully reset a password, reach an agent, or check the status of my freeze for hours now.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: NY
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:
In XXXX I purchase a XXXX. The car is paid up. XXXX wants to continue to charge me daily interest on a car that is paid in full. I was told several times by customer service that XXXX is charging me for daily interest. I was ahead on my payments and according to them my next payment was to be XX/XX/XXXX. I made more than the XXXX payments and in XXXX I complained to the XXXX XXXX XXXX. On XX/XX/XXXX I paid the payoff amount XXXX in spite of the fact that the car was paid off. Fast forward XXXX sent information to Experian and XXXX that I was 2 years and XXXX months late on payments. If that were the case my car would have been repossessed. Neither agency had a repossession in their data. I have been going back and forth with XXXX since XXXX. In XXXX the said that I owed XXXX more payments, which was wrong. At any rate I made One payment in XXXX. XXXX payments in XXXX, one payment in XXXX and XXXX more payments including the payoff amount of XXXX. I have made XXXX payments since then as they continued to send me a bill. Now they are billing me for {$80.00}? I made the payments because I did not want credit reporting problems. I think that XXXX is retaliating because I reported them to XXXX. My credit score was XXXX Experian and XXXX dropped my credit score by XXXX points due to inaccurate information. I want to complain about the reporting agencies as well. They did not see any missing payments prior to this month and they still dropped my credit. The problem is going to be that although they dropped my score XXXX points, when this is figured out they will only raise is a few points.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2021-04-16
Company: BAM Management US Holdings Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, I am a US resident who opened an account on binanceXXXX XXXX and didn't know about the changes that happened with that website ( I didn't receive an email about the change and I know others who didn't ). I had invested a small amount into binance. com in XXXX and had left it there. When I logged in, the website informed me that I am a US user and they can't provide services to me. I was instructed to reach their customer service. 

Now I can't confirm my identity in the website ( since I am in the US ) and the withdrawal function in my account has been suspended. I sent documents for verification to customer service on XX/XX/XXXX to " XXXX XXXX '' ( email below ), but haven't heard back. 

Below is the email I received from Binance. I have not received anything since. Please let me know if you can help. My XXXX ID for Binance is # XXXX. 

XXXX XXXX XXXX Binance XXXX XX/XX/XXXX, XXXX XXXX Dear user, Thanks for your inquiry. 

Upon checking, we found that the withdrawal function was suspended due to the withdrawal risk control. If you can not pass the self-help process online, please provide us with the following information for the account verification and we are going to help you through the ticket. 

Photo verification : XXXX. Both sides of your ID card or driver 's license, or If you would like to provide with your passport, please attach the information page only. 
2. Selfie with ID card, driver 's license or passport information page. 

Please record a video, including the following information : XXXX. Withdrawal recordsPlease login to your account and show the withdrawal records in your account. 
XXXX. Communication recordsPlease show in the video the emails between you and Binance CS via this email. 
XXXX. You also need to appear in the video and hold the information page of your ID document, and repeat clearly the following sentence : " Today is the year/month/day, my account is applying for withdrawal of XXX coins with XXX amount. I confirm that it is my own operation. I am contacting Binance CS to resume the withdrawal function of my Binance account XXX '' In addition, if you are able to provide the following information at the same time, it will help to confirm your identity and help speed up the review process. 
Security questions : XXXX. Account registration date XXXX. Account registration XXXX Thank you for your understanding and looking forward to your reply. 

Best Regards, Binance Support Team

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Old information reappears or never goes away

Complaint:
This is in response to CFPB complaint # XXXX from XXXX XXXX XXXX XXXX a federally protected consumer. This is not a duplicate response, and shall not be treated as such. The response from Experian sounds like an elaborate mechanism and I have reason to believe, and do so believe that it hasn't been taken seriously that you have violated my consumer rights. You stated, " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. You state that there is incorrect personal information on the report. We store address, employer, phone, spouse, and name information as it is sent to us by your credit grantors or from information contained in public records. One or more sources of information report personal information and they are a part of your credit history. '' This response is neither accurate or fair. I have reason to believe, and do so believe that you have failed to follow proper debt dispute procedures, and that you have not conducted a reasonable investigation of my dispute. I gave you written instructions on what was incorrect on my consumer report and provided you with the correct information that should be on my report, so any other addresses and names you have on my consumer report sounds like you are mixing/merging my file with other consumers files, which is a violation and shows that you are not doing your job with keeping my credit file up to date. You stated, " If you believe an address or name in your credit report is inaccurate, you may want to contact the source of the information directly. '' I have already provided the correct information to the sources of the information on my credit report directly, you are the only entity that refuses to remove inaccurate and outdated information. You stated, " Please contact us by phone if you need additional assistance to determine the specific sources of particular address and name information on your credit report. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX  XXXX, XXXX, TX XXXX. '' I have written to you, but you have failed in adopting reasonable procedures in a manner to which is fair and equitable to me, the consumer which is why I have made my complaint aware to the CFPB.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-07-18
Company: First Federal Credit Control, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to file a formal complaint regarding invalid debts that have been erroneously listed on my credit report. Upon reviewing my credit report, I discovered a debt that has been attributed to me by First Fed Credit Control, without any prior communication or knowledge from their end. 

I would like to bring to your attention the following details : *Lack of Account Information : First Fed Credit Control has not provided me with any account number or relevant details regarding the alleged debt. As a result, I am unable to verify the authenticity or accuracy of the debt.

*Absence of Communication : I have not received any correspondence, written or verbal, from First Fed Credit Control regarding the debt in question. This lack of communication raises doubts about the legitimacy of the debt and suggests possible fraudulent activity.

*No Recent Inquiries : To the best of my knowledge, I have not initiated or authorized any recent inquiries or transactions that would lead to the existence of a delinquent account. This further supports the notion that this debt is a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal 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

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 2022-10-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 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