BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Monday, XX/XX/XXXX From : XXXX XXXX : XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX | XXXX : XX/XX/XXXX TO : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Enclosed I have included a copy of my government issued ID and my Social Security Card. 

Thank you, The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2022-01-10
Company: Experian Information Solutions Inc.
State: DE
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 following items mentioned below were totally incorrect or has inaccurate information being stated. 

XXXX XXXX XXXX Balance : {$140.00} XXXX ; XXXX Please reinvestigate this account, I was never late on this specific account. You have notified me about the late, if theres any, but since I have not received any notification letter, email or any kinds of contacts from this company, this certain remarks should be corrected immediately. 

( XXXX XXXX : ) XXXX Balance : {$92.00} XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX This account, which you are reporting to be a collection, has nothing to with me. I have no idea about this account and your investigation was not done properly. You should have provided the original account name for this and have submitted any proof or documents to support your claims. However, you have failed to do both. Thus, this should be removed as soon as possible. 

XXXX XXXX Date of inquiry XX/XX/XXXX Could you corroborate the accuracy of this reporting since I don't recall inquiring about this company? If needed, delete it from my report. 

XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX Hurriedly check the date presented as I think it may be a possible mistake. Revise or discard this information from appearing on my credit 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 non-monetary relief
Consumer complaint received 2017-06-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
***Citicard*** Received statement in XX/XX/XXXX with a bal of {$160.00}. Called and spoke with a rep because on XX/XX/XXXX I called to request a pay off and was assisted by a rep to  make a pay off payment over the phone. On XX/XX/XXXX a rep confirmed that balance would be XXXX out ... great. Received a XXXX statement with a credit of {$52.00} with a remaining bal of {$110.00}. Called credit card co. on XX/XX/XXXX and assured balance would be XXXX out in 3- business days. Called back on XX/XX/XXXX, ( credit card due date ) and automation system indicates, " this is an attempt to collect a debt ''. Spoke with rep and once again assured {$0.00} bal. in 3-5 business days. On both XXXX & XXXX, cardit card bal continues to accrue interest. How is that possible? Credit card payment has never been late and paid off {$11000.00} to clear credit card debt.

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
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 has allowed creditors to place harmful information on my credit report. I requested from the bureau as well as the collection agency. I have asked for signature bearing documents to prove the validity of the debts I disputed. No such documents have been provided and XXXX  is complicit in this illegal action along with the collection agencies. The credit bureaus are violating 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 2017-06-16
Company: IQOR US INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I just received  collection notice from Allied Interstate claiming I owe an alleged debt of {$200.00}. Please produce validation. Allied is going in the direction of reporting this alleged debt to the national credit bureaus.

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 2018-12-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a request for validation and dispute on XX/XX/2018 by fax. I never received a copy of the original dispute and requested why this was reported to Collections. I have received no response to my first request sent out XX/XX/2018, 30 days has passed, evidence attached. Second time I sent out another request by certified mail on XX/XX/2018 and received only a statement with two pages of the contract and no evidence I owe the debt in question. Sending only a statement with partial information is not proof debt is owed. 
My licensed agent with a POA on file with this company sent by certified mail, called and spoke with a XXXX XXXX and got nothing but yelled at, interrupted and wrongfully accused of arguing about the collection in question. Mr. XXXX could not get his request achieved with a fare answer. Conversation is attached that was recorded by his office.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Experian Information Solutions Inc.
State: SC
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 settled with four credit card companies, Im was told that all payments needed to be in there office on or before XXXX XXXX. I was also told that after receiving payment in certified funds that they would request to have the account removed from my credit report. 
I purchased money orders for the said amounts and sent them out well before XX/XX/XXXX, on XX/XX/XXXX I received a credit alert. So I retrieved my report and noticed that the amount that I had paid ( not all of them ) was reported to the bureau but still showed a balance. I contacted the creditors and asked them why. I was told that they could do what ever they want. Plus it would take 60 days before anything would reflect on my report an they dont have to give me any indication when the process will finish.

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 2017-06-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
A bankruptcy account number  XXXX  is reporting on my credit report. I went to the courthouse they have no record of my social security in their system. They also told me that information is not public record and they do n't report to the credit bureau. They said its an error with the credit bureau.

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 2022-01-10
Company: Experian Information Solutions 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-08-04
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
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:
Payoff was sent to Ally, and they still proceeded to take money out of my husbands account and did not refund it.

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 dispute and request the investigation and deletion of incorrect information regarding a specific account on my credit report. I recently reviewed my credit reports from your agencies and discovered an inaccuracy related to a charge off account with XXXX XXXX XXXX, account number # XXXX ( XXXX ) and # XXXX ( TransUnion ), XXXX at XXXX XXXX XXXX, XXXX  XXXX, MO XXXX. 

I noticed that the dates of last activity are inconsistent across all three major credit reporting agencies. TransUnion shows the date of last activity as XX/XX/2022, XXXX as XX/XX/2022, and XXXX has not reported a date of last activity. The inconsistency in the reporting of the date of last activity violates 15 USC 1681a ( 2 ) ( a ) ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must provide accurate and complete information. 


As a result of this discrepancy, I request that you both conduct a thorough investigation to verify the inaccuracy of the reported information. I respectfully request that the account be deleted from my credit report. 

To assist in your investigation, please find enclosed a copy of my credit report highlighting the disputed account. I have also included a copy of my SSN and a recent utility bill as proof of my identity and lease with address. 


Please address this matter promptly, and I expect to receive your response within 30 days as required by the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation that the disputed account has been removed from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Have been looking and observing over my credit a noticed multiple fraudulent inquiries on my report, The fraudulent inquiries are : 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 2017-06-16
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
RE :   XXXX   XXXX   XXXX   (  deceased )  XXXX   XXXX   XXXX   XXXX   XXXX , MA  XXXX  On or around  XXXX ,   XXXX  , I,  XXXX   XXXX   ( d aughter and power of attorney ) purchased a bluebird card from  XXXX  and deposited {$800.00} appeox. onto it for  XXXX . On  XXXX   XXXX ,  XXXX , My mother passed away. I called and informed bluebird, the wanted a copy of my power of attorney, I sent it out. They closed out the account, but never sent the money back, Are they allowed to keep it? I have called but they keep hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello : I have had a PayPal account for personal use for over 10 years. I just received a notification that for " Possible '' risky activity, they have permanently suspended my account, tried to " Close '' the account and they will not let me. When I finally was able to contact a representative, I was told that she could not see anything on her end, regarding my account, that could lead us to understand exactly what it was that triggered the suspension. Thus, she informed me that she would send the case upwards for appeal. I just received a notification that upon reviewing my account that their Permanent Suspension would stand, still without any specific reason given other than " POSSIBLE '' risky activity and as such per their Terms of Service they have the right to refuse service. 

The takeaways here are that ONE : There is no stated actual rationale for the suspension.

TWO : That while I can still log in and view my account, I am blocked from engaging in any activity, such as buying or sending money, the only activity I have ever used this account! 
THREE : I have been informed, via the website, that I am unable to close this account, as such my confidential information is open to being " Hacked ''. 

I have done some research into this and it seems that for some reason, not stated, PayPal has been doing this to it's customers for some time and as far as I can tell it is happening more and more frequently. 

The goal here is to either have my account re-instated without prejudice, PayPay held accountable, or to have the ability to close this account ( again without prejudice ) so that I maybe able to reopen my account with new and updated credentials... PayPal is one of the very few ways to be able to purchase goods and services on-line and thus is very important to have available for use. Lastly, to be informed as to EXACTLY what it was or is that triggered the suspension to begin with!!! 

I was going to try and upload a screen print of the chat session I had with PayPal and it is no longer available for review!! 

Thank you for taking the time to review my issue. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Alpha Recovery Corp
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company located at phone number XXXX keeps calling me and harassing me for collection of a debt owed by my deceased brother, XXXX XXXX XXXX who passed away in XXXX. I am his brother and I have nothing to do with his estate which was settled by his family. They have been calling me and harassing me for over three years. I first started receiving phone calls from an individual who identified himself as " Mr. XXXX '' who threatened to sue me and report me to the credit bureaus, etc. if I did not pay my brother 's debt. I called the XXXX 's office in XXXX XXXX  where I live and the individual who answered the phone transferred me to another individual in his office who looked up " Mr. XXXX '' and the phone number and told me that this was just a fly by night collection agency who buys the the list of owed debt from companies that have trouble collecting the monies and then resorts to tactics such as calling and threatening family members to pay the debt. From what I was told, his company has also bought a number of " XXXX, XXXX, and XXXX '' numbers that automatically call out to individuals trying to collect the debt. I have been harassed by these individuals for three years now and I want it stopped and I am willing to take any legal action necessary to stop these people for using their deceitful tactics to collect money from other individuals who might have done their due diligence as I have in order to ensure that these individuals are identified as the frauds that they are!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name has never been XXXX XXXX and there are addresses that are not mine

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 2022-01-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I attempted to pay our XX/XX/2022 Citizens One Bank mortgage during the week of XX/XX/XXXX through XX/XX/2022. Apparently, Cititzens One Home Loans online account www.citizensbank.com was changed to Citizensonebank.com.

When I attempted to setup a new login at the new website, it did not recognize my phone number at the new site. Between the old site and the new site, there were 5 phone numbers to call for service. Starting on XX/XX/XXXX, the hold times were extremely long ( over 1 hour ) and often times, I was disconnected before someone answered. 

On the XXXX I finally got through to the rep after 1 hour and 45 min. She said she couldn't help me ( Name - XXXX ). XXXX then transferred me to XXXX. I could hear men talking in the background while she was working from home. She asked me for my full SS # which I refused to give because of the people in the background. I said I could provide her with other info such as my mortgage # which she refused to take. I also asked her for an employee #, which she refused to give. I then requested to be transferred to her supervisor. This was over 2 hours into the call. 

Her supervisor was very professional. He did not understand why she refused to give her employee # to me as that is their customer service identification number. He was not able to help me either, but concurred with me that asking for a social security number in full, in an unsecured call setting was inappropriate for the company and employee to do. 

Any company whether a bank, mortgage, investment, medical, etc type of company that holds identity data should not be using FULL social security numbers as a verification method. My identity could have easily been stolen by the people in the background or even the employee. 

I think that Citizens One Bank needs to find a new verification method for home loans and mortgages.

Company response to consumer: Closed with explanation