BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$630.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$630.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 
XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : 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 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 2022-10-14
Company: LendingPoint Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am filing this complaint about lendingpoint LLC regarding an alleged debt that is in dispute. On XXXX XXXX, I mailed a notarized affidavit certified mail to the company citing various violations of the FDCPA and requesting a response from the company as well as compensation within a months time. No response was received, and the company continues to violate my consumer rights as well as harass and defame my character. Their repeated phone calls during business hours interrupt my daily business as I am currently self-employed as well as their emails inundating my mailbox with correspondence including harassing language about reporting information to the credit reporting agencies and attempts to collect a debt. Lendingpoint has failed to rectify the situation and/or respond in any manner and continues to attempt communication when they were asked to cease their harassment. They were also invoiced for XXXX worth of violations. They are in violation of the following : 15 USC 1692b. ( XXXX ), 15 USC 1692b. ( XXXX ), 15 USC 1692f. ( XXXX ), 15 USC 1692d. ( XXXX ), 15 USC 1692c. ( XXXX ), 15 USC 1692c. ( XXXX ), 15 USC 1692c. ( XXXX ). They continue to violate my right to privacy and their reporting of negative information to all three credit agencies has resulted in emotional distress, loss of the ability to conduct proper business and is a direct defamation of character which includes my credit score and ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: DISCOVER BANK
State: IL
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:
upon checking my credit report it was brung to my attention i have a account with discover upon contacting them and asking them to validate this account as mine and as me being legally responsible to pay this debt. i was informed it wasnt my account and my social was pulling as a authorized user

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05
Company: Guild Mortgage Company LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sold my home and the closing date was XX/XX/2018. I had an overage in the escrow account. I have not received the refund of the overpayment amount from the escrow account as of this date, XX/XX/XXXX, and as I understand, I should have received the refund no longer than 30 days after closing. The mortgage company, Guild Mortgage has told me that a check has been mailed twice. The first check appears to have been lost ; it never arrived to me. I requested at least 3 times that the amount be sent by expedited mail so it would arrive to me closer to the 30 day cut off time after it was determined that the first check went missing and was not cashed, but they did not honor my request. It has been verified numerous times that the mortgage company has my appropriate address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: TN
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 2022-11-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Account XXXX XXXX XXXX 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 2022-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus are reporting a 90-day late payment on XX/XX/2022 with the Office of the Atty Gen which is inconsistent with the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-06
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a complaint for the account on my report for the amount of {$5500.00} from XXXX XXXX they are reporting information on my report that is inaccurate, the date of XX/XX/2017 is not correct! It was resolved previously by removing the avoiding but then placed back on my report. Please immediately remove this account from my report in accordance with the fcra!

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 2023-12-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XXXX of 2023 I called Macys credit card customer service because My account was frozen due to card replacement and I made a phone call to unfreeze it so I can make the payment but they took a long time to do this therefore the payment period expired and they reported a late payment in my account, balance on account was {$260.00} and minimum payment of around {$29.00}. Once account was un-frozen I resumed making payments but the merchant refuses to accept their mistake and remove late payment.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. I have contacted XXXX XXXX XXXX regarding a late payment on my credit account and they have yet to remove the 30-day delinquency from XXXX 2022.

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 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX  and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX and XXXX removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you

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 2023-12-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting 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 received alerts on my credit monitoring system and noticed a plethora of inquires that i do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports and must be deleted immediately. XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 2023-10-07
Company: EQUIFAX, INC.
State: SC
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:
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.

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023 I sent money to a Cash App recipient for them to retrieve immediately. The family member stated that they received the notification for the funds and that they cashed it out for that same day however when checking on the XXXX of the same month the transaction was still pending. I checked on my end and it was saying pending as well and the person needed the money that day so I cancelled it. There were 2 transactions from 2 different banking accounts to the same person. They both were showing pending and CashApp was not available to assist so I cancelled both transactions. One went back to my CashApp account of which I had to pay a fee to retrieve the funds and the other one showed canceled however it never came back to my CashApp account nor to my banking account. On that Monday I contacted CashApp and was told that they never showed the transactions pending and that they cancelled and returned both amounts. I told them that I only received the one for {$270.00} and I'm unsure of why I'm being charged to retrieve money that they failed to deliver and was told that this is the way cancelled transactions are handled and that I will have to give the other transaction for {$270.00} at least 24 hours to go back into my account. I called back twice after this at which time I was informed that the funds had been returned to my bank and there was nothing more that they could do that I would have to handle this with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: CA
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:
Credit reports are used by lenders, insurers, CEOs and investors to make decisions that affect every facet of peoples lives in the system of the United States Corporation yet these reports frequently contain errors. Congress passed the Fair Credit Reporting Act ( FCRA ) required credit reporting companies, and the companies that give them information, to respond appropriately when notified of errors and comply with the obligations put on them by Congress in the law. Specifically, they must tell credit reporting companies to remove information that they can not verify after someone identifies the information as wrong - to remove unverified information XXXX XXXX XXXXXXXX The FCRA provides people multiple ways to dispute inaccurate information on their credit reports due to identity theft. I disputed the inaccuracy of information on my credit reports with credit reporting companies Experian, XXXX, and XXXX and XXXX. After the investigation into the disputed information, Experian, XXXX and XXXX deleted disputed unverified information from XXXX. 

After my children were hit by a vehicle, instead of holding the influenced driver accountable - the dangerous individual avoided jail time. After XXXX accepted the overage payment from Veteran Affairs ; XXXX used XXXX XXXX XXXX to add a {$900.00} collection to my credit report. XXXX needs to investigate this credit reporting error. 

XXXX XXXX XXXX  - threats and attempts - Rejection Killings Need to Be Tracked Obsessed with attacking my XXXX American, female, Veteran household, a fraudulent charge was made on an inactive, frozen, expired XXXXXXXX XXXX XXXX XXXXhen an fraudulent payment was made by overdrawing a dormant checking account with XXXX for {$37.00}. 

Per top XXXX consumer law firm - consumer reporting companies and CEOs that provide information to them ; have great influence over consumers lives, and need to meet legal obligations.

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 2023-10-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've asked several times for the item to be removed and spoke with them about this being fraud, but they've yet to remove it. [ XXXX credit card ending in XXXX & XXXX XXXX Account ending in XXXX ] I've failed an FTC report detailing the fraud. Initially I was told to focus on the CFPB, but I've filed several disputes and it hasn't been working. They provide me a blanket answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. I have contacted XXXX XXXX XXXX regarding a late payment on my credit account and they have yet to remove the 30-day delinquency from XXXX 2022.

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 2021-03-19
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The FREEDOM Mortgage company called me and offered me a refinance. They asked me for a schedule of property owned. I returned that document to them in 2 days. When the agent CALLED ME BACK he asked for more information and then told me the offer was for Monday XX/XX/21 ONLY and that on XX/XX/21 when I returned the documents to them they could NOT honor the offer. The Rate was above the market but had no fees. HE did NOT tell me on Monday it was for that day only. HE advised me on Wednesday he didn't know that was going to happen, but I specifically asked them NOT to run my credit unless the offer was solid. Now they misrepresented the offer, ran my credit which hurts my credit score AND they " bait and switched '' me on the refinance offer. I want the offer honored OR I want the inquiry on my credit report removed!!! See attached- NO reference to " today only ''

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