BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-02
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX account # XXXX .Ive Been trying to verify this account and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, I had an Online Banking Bill payment come out of my account. The same day I had a XXXX payment sent to me at approx XXXX. At XXXX I received a text message such and I received an email at XXXX stating that a payment was sent to me and was successfully deposited into my account. I also verified through the FNB banking app that the funds were available, and they were in my available balance. However, my bill payment was returned and I was charged {$37.00}, due to theXX/XX/XXXXpayment no being available to pay ACH/ Checks/ billpay items. I was notified 2x by the bank the funds were in my account and verified through the app the funds were available, only to find out the funds were held unbeknownst to me. Very misleading and not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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 2021-09-03
Company: EQUIFAX, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, I have been the victim of identify fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. Under the Fair Debt Collections Practices Act, I have the right request validation of the debt you say l owe. I am requisition proof that l am indeed the party you are asking to pay this debated there is some contractual obligation which is binding on me to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: STERLING JEWELERS, 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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  XXXX - XXXX XXXX XXXX XXXX XX/XX/2018 XXXX - XXXX XXXX - - XXXX XX/XX/2018 KAY JEWELERS - For XXXX  only XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XXXX XXXX, 2020, I filed a complaint with the FTC for identity theft. Three of the five accounts listed are on my TransUnion  credit report. Just as the FTC recommended, I mailed, faxed, and emailed a copy of the FTC report as well as a letter with the FTC logo upon it, a copy of FCRA 605 ( B ), and a copy of my driver 's license as identification. The only item not included is a copy of my credit report as they have refused to provide me one for months due to their allegation that they can not supply one to me because there are open disputes. This is not the law. TransUnion did eventually put a fraud alert on my account. Unfortunately, that is all they did. As per the Code, I know that a block is supposed to be placed on the account resulting from identity theft. This has not occurred. The only fraud process they have online is to submit the fraud through their dispute resolution center. I did upload all my documentation, again, but now the " date of resolution '' is now over a month away. That is not part of FCRA 605 ( b ). Can you please help me get this information to them?

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 2017-06-25
Company: MARINER FINANCE, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
It 's on my credit twice and it showed it was transferred/sold to another company caller Mariner fiance. Monthly payment are XXXX dollars a month. I should n't have 3 on my credit and would like them to be removed as iam not working. And I believe it 's to old to still be on my credit!

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 2021-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received an SBA EIDL Loan as an Independent Contractor which was disbursed in my personal account. Eight months after the disbursement, to my surprise, Capital one froze my account and denied me access to my personal earnings as well as the loan that I need for my business. 
On XX/XX/2021, I contacted the bank and provided my business licenses from 2 years ago and the promissory notes and several other documents that will support the legitimity of the loan. 
The total amount in the different accounts is {$46000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hello, I've submitted my dispute to the bureaus multiple times and they have yet to give me a fair investigation. I believe their responses are automated when I do receive letters all they do is mark it " VERIFIED AND ACCURATE '' and when I request for them to tell me how they came to that conclusion I NEVER EVER get a response back. 

I need a fair investigation because it is my right. 

Since the bureaus have yet to do their job I need these items that don't belong to me to be deleted ASAP!

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 2020-12-09
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I Ms XXXX XXXX XXXX, Contacted Citibank XX/XX/20 at XXXX on using XXXX line XXXX and requested to speak with Supervisor regarding misplaced check by Citibank . XXXX picked up the line again stating that they had not received it. It was sent two Fridays over XX/XX/20 by XXXX  and it took them " 5 to 7 business days '' and " 2 weeks for it to be on his desk. '' Moreover, XXXX stated that they receive mail twice a week, Tuesdays and Thursdays. XXXX requested I contact him again on Wednesday or Thursday of this week. I Ms. XXXX XXXX XXXX contacted Citibank today XX/XX/20 and a representative named XXXX picked up the line stating that " where you provided a tracking number? '' " Do you know if its an envelope? '' " Do you know that to us you are the XXXX XXXX? '' " Am not going to be colored XXXX? '' " Oh we could not locate the check -- -we dont have it. '' I Ms. XXXX XXXX XXXX do not recognize XXXX and do not know whom she is. XXXX stated that she corresponds with XXXX ( XXXX ) whom also works for Citibank but could not locate myXXXX Retirement check with a valid trace number. 

Second Call to Citibank via XXXX XXXX today XX/XX/20 a representative named XXXX responded to the line call to Citibank. XXXX stated am going to transfer the Citibank call to a real representative " they are about to close all the banks if they can not find your retirement check. '' XXXX was picking up the call from outside. Call was transferred to Ms. XXXX XXXX member with ( XXXX ) with XXXX. XXXX took my social security number again over the phone and looked into their system and stated that they ONLY received a retirement check from XXXX in the amount of XXXX even but it was not under my social security number. XXXX stated that the USPS was SLOW in delivering mail and thus they blamed USPS for the negligence and apparently not being able to locate check even with a trace number. 

On XX/XX/20 Ms. XXXX, representative claiming to work for Citibank under Ms. XXXX stated that I should once again correspond with the XXXX XXXX XXXX XXXX XXXX XXXX, for which when I contacted them via XXXX from XXXX Florida from my moms trailer home, the entire XXXX XXXX XXXX was DOWN. Ms. XXXX, the XXXX  XXXX XXXX representative stated that the system " may be available tomorrow, '' but that they could not view any XXXX  member information online as it was unavailable to them.

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 2023-01-15
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 XXXX, account # XXXX and # XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 2020-11-02
Company: Experian Information Solutions 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:
I noticed a negative report on Experian and XXXX had a negative report on my credit, so I disputed it and they responded by sending me the copy of a contract not signed by me, wrong email, wrong physical address, wrong phone number. The only thing right was my name. I have contacted them several times, disputed it with both Experian and XXXX with no results. The Debt Collector is XXXX XXXX XXXX and I have recently got some information from an Attorney that the have several judgment against them in Federal Court of which they are ignoring. They are getting sued in Federal Court and having Default Judgments taken against them, yet not updating the credit reports to be accurate all while demanding payment for the tradelines to be deleted.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
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 information incorrect

Complaint:
My XXXX credit account shows incorrect information listed. This ACCOUNT is PAID in full. please REMOVE this account from my 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 2023-01-23
Company: EQUIFAX, INC.
State: DC
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:
Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these inquiries, and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN. 
I am disputing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If your investigation reveals the inquiry is valid, I request that you provide me with your method of verification as well as the contact information of the source of this verification. 
I am allowing you 30 days to complete this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the fair credit reporting act 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.

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 2023-01-23
Company: MARINER FINANCE, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with XXXX XXXX from my credit report for some time now. I have sent them a letter requesting validation of this debt and sufficient proof on how they gathered that this account belongs to me and have never received a response back. Here is the tracking XXXX XXXX XXXX XXXX XXXX. The tracking proves that they received my dispute but never responded. It is illegal for them to report inaccurate information let alone any accounts on a consumers report without providing valid proof that the account belongs to them. It is also illegal to ignore a dispute request per the consumer laws. I demand that this account is deleted from my credit reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Ygrene Energy Fund Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Date of Application for Financial Loan- UNKOWN . 
- Possible of Forgery of Complainant 's Signature. 
- Predatory Lender 's Acceptance this Application for Loan. 
- My Sister wanted to obtain Solar Panels to lower Electric bill. She asked me my opinion about Solar Panels. I told her I do not know much about them ; but if the Panels really decrease the electric bill then I guess they are ok. 
- I also told her that if she gets them that's her project. I can not afford to help pay for them. 
- On my USPS.com app. I noticed a weird letter envelope from a Company I did not know about. I asked my sister " Why were our names are on this strange Envelope? '' I told her I want to read it after she's done. She avoided my request 3 times and never got to read the letter in this strange envelope. [ Refer to Attachment Envelope. ] - On XX/XX/2020. I wrote to Ygrene Company. Told them I did not : Recognize, nor have any business relations, and did NOT SIGN ANYTHING with this Company. I requested if any documents that had my signature on them to email them as an attachment to my email address. 
- Remove my name from what ever. I told this company I do not get involved in my sisters affairs, and told them this matter must be between you two. [ Refer to my letter 2 Attachments ] - XX/XX/XXXX, XXXX Ygrene emailed me a letter attachment.. States ; " Addressed to the Owners of the Property. As a Reminder, the financing is tied to the Property only, instead of the Individuals, and is repaid over the financing term through the property taxes. '' Also stated Property was .removed off mailing list. No it as not been removed from the mailing list. 
- NOTE- NO COPY OF CONTRACT SENT, AVOIDS ANY ACKNOWEGEMENT ANY SIGNED DOCUMENTS WITH MY SIGNATURE ON THEM. 
- Sister 's Trusts Litigation Confirms that we as sisters had Accepted a Settlement Agreement to not repay Trusts amounts with money but settled this matter accepting one half of property value/worth to be gifted to me and son from my sister. DA closed the Trust Case. 
- I DID NOT SIGN ANY CONTRACT FOR A XXXX LOAN ; AND WAS NOT SERVED WITH ANY SIGNED DOCUMENTS WITHIN THE LEGAL TIME TO HAVE DELIVERY TO CONSUMERS. 
- BOTH ENITIES ARE AVAIDING CRUCIAL ANSWERS TO MY LEGAL CONCERNS THAT FORGERY AND THIS LENDER IS A PREDATORY LENDER IS A GREAT POSSIBILTY I AM CORRECT.

Company response to consumer: Closed with explanation