BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: Lending Club Corp
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XXXX XX/XX/XXXX I made account on Lending Club to search for lenders for a debt consolidation loan, I input my debt and requested loan. I receive a better quote from XXXX XXXX XXXX and I accepted and payed my debts, 3 days later I check my account and saw my accounts had been paid again. I was confused. I looked up Lending Club and found the first loan request had been approved and had paid my debt. All I requested was a loan. I never signed a promisary loan or any other paperwork. I requested refund from all accounts had been paid twice. I paid account to the full Im 3 days and explained to them I never signed any documents and she told me when I hit submit I gave consent. I hit I submit to request a loan. None of the documents In this account are signed by me. I requested they close account and they stated I owed XXXX Im processing fees, I told the, processing fee for a loan I did not approve. This borders on criminal. People should know what fees they are paying before agreeing to a loan that I paid back in 3 days. They used a power of attorney to sign my documents but I did not give anyone a power of attorney, please stop this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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:
I was reviewing my credit report and noticed some inaccurate information that I did not authorize. I sent out letters to the company over 30 days ago and still haven't got a response. These accounts are hindering, it is keeping from getting an auto loan or a mortgage. Please verify and remove these items from 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 2020-12-05
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Spontaneously, an email was sent stating there would be a decrease in credit line for inaccurate reasons. Upon reviewing credit report and credit score ( as credit has been frozen since beginning of year ), information provided by the credit card company is again, inaccurate. 
I have had an account with said, credit card company, for many years. Maintaining bill payment and well standing account. All accounts on credit report have some of the lowest balances currently, than before. 
It seems the credit card company are not honoring their ethical standard but compromising or punishing consumers for paying bill on time, etc. 
The should be reviewed and credit line on account should be reinstated, as I am disputing all inaccurate information and standing as advocate for this biased handling of account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Conduent Incorporated
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
my name is XXXX XXXX XXXX i have been getting unemployment in tn since may- XXXX and ive reported it multipal times and havent been able to contact anyone bc the ppl are putting apps on my phone so they can controll who i call ... they have my ssn- birthdate - and my way 2 go card number i reported it got new one they been watching me got that card number thy transfering my money before i get to atm

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There are multiple fraudulent charges from XXXX appears on my accounts. I never made any transaction with XXXX on this account. Citi had send me 3 replacement credit cards number with new numbers each time as shown in timeline below, but it does not resolve the problem. 

All fraudulent transactions are shown as " XXXX XXXX CA Digital Account Number XXXX '' - XX/XX/2020, I received a new card ending with XXXX and activated it due to Citi suspect of other fraud activity. 
- XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$8.00} - XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$9.00} - XX/XX/2020, I reported to Citi and Citi send me a new replacement card ending with XXXX - XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$8.00} - XX/XX/2020 - I activated my card ending with XXXX. 
- XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$8.00} - XX/XX/2020 - I called Citi again and got forward to Fraud department, the representative said that they blocked all XXXX transactions and should never happened again and send me a new card ending with XXXX ( Reference number : XXXX ) - XX/XX/2020, Fraudulent charge from XXXX appear on my statement for {$15.00} - XX/XX/2020, I called Fraud department and was told that they can not do anything and they will call me back tomorrow ( Reference number : XXXX ) - XX/XX/2020 : I called Citi again and was forward around for 2 hours back and forth between Fraud department and eService department. 

I have been routed to the following departments but was forward back and forth and seems like noone at Citi know how to deal with this issue. 
- Security Department : Just replace me with new card number. 
- Fraud Department : Believe that this is virtual card number and forward me to eService departments. 
- eService Department : Told me that this is " Paypal digital account number '' and I need to talk to XXXX. However, XXXX also confirm that they don't know about any account number ending with " XXXX ''. XXXX told me that they can only block the number if I know full credit card numbers. 


I have spent more than 10 hours of my time dealing with this issue and I expect the following action from Citi ASAP : - Provide me with full account number of XXXX account number ending with " XXXX '', so that I can tell XXXX to block the number. 
- Prevent digital account number ending with " XXXX '' from being able to charge to my credit card. 
- Remove all XXXX transactions from my account and prevent any XXXX transaction from happening again ever.

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 2022-10-04
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 is missing that should be on the report

Complaint:
The attached accounts should be reporting on my Equifax credit report. I am requesting for these accounts to be added immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: AZ
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 told all the of the " Big 3 '' nationwide consumer Credit Reporting Agencies, Equifax, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX ( # XXXX ), XXXX- ( # XXXX XXXX XXXX XXXX- ( # XXXX ), XXXX XXXX- ( XXXX XXXX ), XXXX ( # XXXX XXXX, XXXX- ( # XXXX ), XXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX- ( # XXXX ) I received notice from all three CRA 's ( XXXX, Equifax and XXXX ) that everything was verified as complete and accurate and that my disputes have now been completed and closed out. I am confused, how is it possible they " investigated '' all these accounts and declared them as accurate and verified if information such as : Account Open Date, Date of Last Activity, Payment Amount, and so much more is absolutely incorrect. Not only that but all 3 of the CRA 's are reporting different information. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 Section 602 ( A ) States that I have the right to privacy 15 USC 1681 Section 604 ( A ) Section ( 2 ) States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States that 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 USC 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. 

These companies do not comply with or even attempt to be in compliance with Metro 2 credit reporting and I have all the supporting docs/evidence to support my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXXXXXX XXXX XXXX XXXXXXXX Please investigate this account and remove if theres anything missing

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 2020-07-16
Company: Experian Information Solutions 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:
Hello my name is XXXX, I recently went to XXXX XXXX to see my credit score as the only thing i ever did was have car insurance. I come to find out someone somehow using my identity. There are accounts opened 100 % not authorized by me as I never had a credit card. My cousin recommended this site for the best course of action. On XX/XX/2020 I tried to call XXXX  XXXX, XXXX XXXX, XXXX XXXX and explain to them this isn't me to try to find out what was going on and they said I have no proof. I have no idea who paid these bills how someone got these cards if maybe I'm being confused with a different person. Any help on this greatly appreciated. I had told them under the fair credit reporting act I had the right to know what was going on but they kept me giving me run around so I have these cards now filled with late fees and payments i do not owe and i did not authorize any of this. This is 1000000 % fraud. I am going to attach some files on here so you guys understand. Please help 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 2023-05-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, 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:
Hello my name is XXXX, I recently went to XXXX XXXX to see my credit score as the only thing i ever did was have car insurance. I come to find out someone somehow using my identity. There are accounts opened 100 % not authorized by me as I never had a credit card. My cousin recommended this site for the best course of action. On XX/XX/2020 I tried to call XXXX  XXXX, XXXX  XXXX, XXXX XXXX and explain to them this isn't me to try to find out what was going on and they said I have no proof. I have no idea who paid these bills how someone got these cards if maybe I'm being confused with a different person. Any help on this greatly appreciated. I had told them under the fair credit reporting act I had the right to know what was going on but they kept me giving me run around so I have these cards now filled with late fees and payments i do not owe and i did not authorize any of this. This is 1000000 % fraud. I am going to attach some files on here so you guys understand. Please help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: SC
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. 

ACCOUNT : XXXX XXXX XXXX # XXXX and 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 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 explanation
Consumer complaint received 2021-02-16
Company: MRS BPO, LLC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good morning, I have previously submitted the dispute for deletion of the collection account from my credit report reported by XXXX XXXX XXXX in the amount of XXXX , and this account again appeared on my credit report. this account now reported by a company called MRS associates, but this XXXX account opened fraudulently under my name, I have left the USA back in 2015 and I physically could not open this account. also, I am including supporting documents to prove that I was not in the US when this account is open.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called and talked to them they couldnt find me on any account. 
And this was some charge from ky I explained I live in nc and never have be in any hospital in Ky All they said was my insurance paid a bill there so it belongs to me. 
I explained it again I never been to a hospital or anything in Ky Ask for supervisor and they hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I viewed my XXXX  credit report during the week of XX/XX/XXXX, and found negative derogatory marks that had I had late on payment since XXXX of XXXX. On XX/XX/XXXX, I called TD Bank to inquire about the late payments because I was not informed of the payment. XXXX XXXX XXXX, my ex-partner, communicated to me that he was informed by more than one representative on multiple instances that an account did not exist under his social security number or name nor my social security number or name ( XXXX XXXX ). I found this to be true when I called the same number ( XXXX ) XXXX ) that was given to me and the same instance happened. I gave my social security number several times to 2 representatives before the account could be located. It took over 1 hour to locate the account. When I explained stating, I MUST have an account there because there are several negative remarks on my credit report from TD Bank. After stating my concerns one of the representatives found the account. After going into detailed what happened, the last representative informed me that TD Bank will never remove any negative remarks from any account regardless of the reasoning. 

I have an issue with this, due to the fact, I was not informed by the financial that a payment had not been received for several months and was easily found after the storyline. I gave my social security number to the representative several times and both representatives stated that could not retrieve my account. When I informed the representative of the what happened, she stated that TD Bank will never remove any negative remarks from someone's account I am in the process of attempting to buy a home and now I have negative remarks reflecting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
As of today, XX/XX/2020, I have contacted TransUnion Credit Report, they unfairly report wrong information on my report and keep my score at the lowest point of all 3 Credit Report. 
I have called several times to dispute my hard inquiries, and too remove them. 
I get told NO, they can't not do that, they have given me directions on how for me too do it.. Write letters, call the hard inquiries, contact the police, and the lastest today, was write to the hard inquiries and request they write TransUnion to have them removed! Once again I am sent too all kinds of representatives that I can not understand what there sayings! I ask for a supervisor here in the United States and all got was a recording. Yesterday XXXX  deleted 2 hard inquiries not authorized check my credit report. TransUnion keeps giving me the run-around and I ask why serveral times why they just didn't just deleted these inquiries that I didn't authorize and he said, oh we can do that ..I said why? He said ummmmmm, I don't know? Please help to deal with TransUnion, I put a freeze on my account due to I don't trust them due to what I have been through the last 2 months.. please help me..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: EQUIFAX, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
I have tried multiple times to dispute my bankruptcy report being remove from Equifax XXXX and XXXX due to my case being closed need help removing it off my credit report.i also wrote my circuit court about verifying my record which they reply that they are not able to release info to credit bureau. My XXXX also is in freeze status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TD BANK US HOLDING COMPANY
State: PA
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: Problem with personal statement of dispute

Complaint:
On XXXX XXXX, I was scammed over the phone by someone claiming to be a fraud claims agent. He gained access to my email and Target Credit Card number and bought {$1700.00} worth of gift cards. Target Card Services sent me a letter stating that because the purchases were made with my credit card number number, I must be responsible for the transactions and are now holding me responsible for the charges. This is absolutely not true. 
I have disputed the denial and recently sent another more detailed letter to Target Card Services.

Company response to consumer: Closed with explanation