BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like officially to complain about that you are reporting inaccurate and incomplete credit information. Obviously I became a victim of identity theft. I kindly ask you to help me because I do not recognize this account. I am requesting that you delete information from my credit report because I am not connected to this account like absolutely. Its for sure not mine. I never signed for or agreed to this. I do not have any contracts or agreements, or documents confirm this item. Please I kindly ask you to take appropriate actions and delete it forever.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2021-01-11
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my auto loan, totaling {$40000.00} the final balance paid being {$1500.00} at the local XXXX bank on XXXX XXXX on theXX/XX/XXXX, 2020. I was told I should receive the title by mail in approximately 2 weeks from that date. I never received anything from them and waited until the XXXX of XXXX before calling to ensure they had enough time to send it. The representative I spoke to on the phone told me the title was just sent out that day and I should receive it soon. I never did so I called back on the XXXX of XXXX and the representative I spoke to told me the lien release was sent out on the XXXX of XXXX as well as the check for overpayment of the loan. I told him I had not received anything from the bank. He told me he was going to expedite the request to have them resend the documents and check and it should be mailed out in two business days. I called back on Monday XX/XX/XXXX and spoke to XXXX, a customer service rep and was told after several hold times that the lien release had been sent to the back office and they are waiting for signature and notary of the document before it can be sent to me. I asked how long that was going to take and she said hopefully it should take 2-3 business days before it is sent out to me. I told her I would like to escalate the case because I have been told different stories each time I called and the lien release should have been sent 10 days after paying it in full. I also told her my vehicle has passed the registration date and I'm not able to register it now due to not having received the lien release. After another long hold she came back and told me she had escalated the case and they could call me back when they get a response and verified my phone number. I informed her I would be contacting an attorney while I await a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: GA
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:
According to the fair credit reporting act this creditor has violated my rights, Under 15 u s c 1681 section 602 states I have the right to privacy. 15 u s c 1681 section 604 A section 2 states that a consumer reporting agency may not furnish an account without my written instructions. Under 15 u s c 1666 b a creditor may not treat a payment on a credit card account or under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Skrill USA, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been fed up with Skrill I have nearly reached VIP status so I would expect to at least be able to utilize my account without having to complete XXXX ruin my XXXX  day because I added money from my bank account to my Skrill wallet and somehow it triggers to lock my account where I cant access my funds for over 24 hours now and counting, this is all due to no human that work there and everything is algorithm-based so each time I uploaded my documents that they are requesting me to show two debit cards on the bank statement from a transaction that just happened today and expected those transactions to be on the bank statement which ended on XXXX because yes every bank sends out a statement once a month and have you ever heard of a bank statement that shows the debit card numbers? Because it seems they want me to juggle while hopping on 1 foot and saying my ABCs backwards.No I am not being sarcastic what more could I do when I sent them a letter of ownership and verification from XXXX XXXX saying that IMD owner of the two cards ending in XXXX and XXXX so Im being penalized and my money is held up from their Security check because of what money laundering? Are people not supposed to XXXX move the money from one account theres to another that is not laundering or illegal especially when I have verification from the XXXX XXXX they were so quick to do that for me but then Skrill is negligent theres no phone number to call and basically its a slap in the face they keep rejecting my uploads with my bank statements, picture of the debit cards I used to fund Skrill and a letter of ownership but that is not accepted? Why would they put me through so much trouble for no good reason who is this protecting or are they just trying to steal my {$74.00} balance? Im certain that nobody gives a XXXX and they need to be penalized

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have notice multiple late payments on my department of education, XXXX student loan account. I have been a XXXX XXXX XXXX at XXXX XXXX XXXX University. My account is deferred until I graduate. There is no way I should have any late payments associated with my account. Please remove them immediately.

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 2023-11-13
Company: CITIBANK, N.A.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : Bureau : XXXX Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Bureau : XXXX Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
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 explanation
Consumer complaint received 2021-08-28
Company: I.C. System, Inc.
State: CA
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.C. SYSTEM has been contacting me against my will with no prior written consent. This is an aggressive and illegal debt collection/ tactics. I do not have contract with ic system or any of its affiliates. I have granted ic system to validate proof I owe any debt which they have not and can not. I have sent all communication to ic system with USPS certified mail and green slip return and they have not refuted or rebutted my affidavit, and cease and desist and billing invoice for the Federal laws they violated against me as a consumer. I have put ic system on notice on XX/XX/2021 and XX/XX/2021 with affidavit, cease and Desist and billing invoice and evidence of violations. I gave ic system 30days upon receipt to rebut the documents. Then I sent a notice to XXXX  with 10 extra day to cure the violations. I have been damaged, I feel threatened from this debt collector. I have acted in good faith with ic system notifying that I will pay any debt that can be validated but ic system has continually failed to validate or show proof of any debt or contract. I will continue to enforce my federally protected rights until I get what I want from this situation.

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 2021-01-11
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 is missing that should be on the report

Complaint:
My name is XXXX XXXX I have a major problem with EQUIFAX and I need to dispute a few things on my Equifax credit report. Ill start by Verifying my identity. Name : XXXX XXXX Birthdate : XX/XX/1995 Social:XXXXEmail : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX , California XXXX . On my Equifax report isnt updating correctly so I need to dispute some items. XXXX XXXX XXXX XXXX - {$2300.00} XXXX XXXX XXXX XXXX - {$2000.00} XXXX XXXX - {$420.00} Those account I listed above were removed from all my credit reports except for Equifax, they need to be disputed and removed. Theyve also been on my credit report longer that 7 years. Ive already faxed you guys 10 times. I dont know where my faxes are currently going. Please give me a call. I also have accounts that arent being listed on my credit report either they are : XXXX Balance : {$270.00} Credit Line : {$1000.00} XXXX  XXXX Balance {$150.00} Credit Line {$600.00} XXXX XXXX  Balance : {$510.00} Credit Line  {$3400.00}. XXXX XXXX Credit Card that Im an authorized user for and have been for over 4 years, credit limit XXXX, balance XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Experian Information Solutions 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:
The credit bureaus put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX TX ), XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX , ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) 3XXXX, XXXX XXXX - only XXXX report this account, XXXX XXXX XXXX - only 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 2018-07-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
TD Bank is not allowing me access to my XXXX Benefits from social security at their physical branches because they deleted my expired XXXX XXXX from their system last year in XXXX. They deleted the expired XXXX XXXX in XX/XX/XXXX because that was the only ID in my possession after my wallet ( gym bag ) was either lost or stolen. I knew that I'd initially opened the account w/ my current foreign passport and expired XXXX XXXX   because the bank 's rep scanned both in their computer system, so I thought that the bank would allow me access to my funds after answering the security questions w/ the expired XXXX XXXX. I was denied a new bankcard at the physical branch in XXXX ( XXXX ) and told that I'd initially only used my foreign passport to open the account when two forms of identification are needed to open an account if you're a resident alien w/out city or state ID. Now, in XX/XX/XXXX, after the XXXX XXXX told me to return to the bank when my renewed XXXX XXXX arrived in the mail to access my account back in XX/XX/XXXX- I'm being denied service at other physical branches w/the renewed XXXX XXXX, and being asked to provide my foreign passport as an alternative identification when that's the ID that was compromised, not the XXXX XXXX. Why are other customers only using their XXXX XXXX to access their accounts while I'm being denied this same opportunity? It's seems personal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Credit Control, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My ex husband had a business which I had a XXXX XXXX XXXXXXXX card in the business name that was granted his in the divorce proceeding. It was sent to Credit Control collection agency who called me OVER 10 times a day. I paid a few payments until the judge deemed it his debt. At that point I sent a debt validation letter along with a cease from ALL contact request and asked for proof of all of the applicable information from this debt collector certified returned receipt requested ( sent XX/XX/XXXX tracking XXXX XXXXXXXX was received XX/XX/XXXX ). I only received PARTIAL information back which in turn makes it so they can not report to the credit bureaus. This company has not so far however they continue to call and harass me. I received yet another call XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXXXXXX. As previously stated this is NOT my debt and I informed to refrain from contacting me. I suffer a very serious medical condition ( XXXX XXXXXXXX XXXX ) and the constant harassment is causing pain and suffering on my health. 

I do have photos of the receipt from the post office if required including tracking number listed above FINAL DECREE ATTACHMENT PAGE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: I.C. System, 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/2018 I C System added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, I C System has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.

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 2018-03-10
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX. This is my second attempt to contact you about several fraudulent accounts that you are reporting on my credit file. I would like to dispute the following accounts as an internal dispute and an affidavit. I am unaware of the accoutns. I was affected by the credit breach and my name was leaked. I have never filed for any bankruptcy and I am unaware as to why it is listed on my credit file. I dont know if you got the wrong person but I am sorry to say Ive never dealt with any bankruptcy. The last time I applied for any credit was in early XX/XX/XXXX. I havent really checked my credit for years since then. The inquiry items are XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX XX/XX/XXXX 5. XXXX   XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX 8. XXXX   XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX   13. XXXX XXXX 14. XXXX AXXXX XXXX  15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I sent XXXX  XXXX  a letter asking for proof of contract provide me with a certified copy of an authenticated original contract with my signature. They have not done so under the frca all unverified accounts must be promptly deleted. By XXXX  XXXX  publishing this inaccurate and unverified item on my credit report they are damaging my reputation and creditworthiness. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence. XXXX vs. XXXX ( MO ) XXXX XXXX XXXX, XXXX XXXX presume that no proof of the alleged debt for therefore any such debt, in fact exists.

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 2021-01-12
Company: Experian Information Solutions Inc.
State: AZ
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:
Over the past 12-months I've been working with Experian Credit Reporting. Last year my credit score was XXXX. Four or five months ago Experian finally concluded I was correct in all of my disputed challenges. 
My new Credit Score ZOOMED upward to XXXX.

All disputed accounts were deleted from my Credit File. 
As we closed out 2020 I could finally rest. What took me nearly 18 months, I had successfully cleaned and polished my Credit History. 
XXXX negative credit, XXXX Collections, XXXX bankruptcies, XXXX negative Public Records. 
Now Experian is re-reporting certain items that are reappearing. My score is back down into the 630 levels. 
I have reached out to Experian, but not received a response. I don't get it. I worked so hard on this. I got vindicated. I realize that most all data is not looked at by Human Beings. Yet I hope at some point a human can look into my file and adjust data accordingly. 
Thank you, 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 2023-01-16
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my Sam 's Club XXXX credit card account more than a year ago by phone. Sam 's Club or Synchrony, the issuing bank, automatically opened a new Sam 's club credit card under my name in XX/XX/XXXX. I never received this new card or activated it, but then received a statement through the mail that was sent to my old address. I had moved over 2 years ago, and I was only made aware of this new account when this letter was forwarded to me in XXXX. The statement included charges made on the card for a {$50.00} Sam 's club annual membership fee on XX/XX/XXXX. Today ( XX/XX/XXXX ) I called the number on the statement ( XXXX ) to cancel the card. The representative mentioned the canceled card was declared stolen which is how a new card was issued, but was able to cancel the new card.

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