BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-05
Company: Netspend Corporation
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Brinks sent me a debit card with my name and a CVC code on back. The paper attached also had an account number and routing number, and it said to call to activate it. I called once, but was unable to reach a live representative. I also tried to email them at their customer service email, but the it was 'not delivered/returned a few days later ', so I tried another email they had listed on their site, and had no luck with that. I want to know why the card was sent, as I did not order one. I am concerned because I can not reach anyone, and want to know what is going on ( i.e. If my identity has been stolen, etc ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: EQUIFAX, 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 have sent a certified letter to XXXX, XXXX, and Equifax disputing a negative item that they are reporting on my credit report from XXXX/XXXX  account number XXXX I have requested that they validate the information with XXXX/XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, XXXX, and Equifax failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 disputed accounts are still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no answer were ever received from you to date. Thus, your action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reporting of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are need to be corrected in my file immediately XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Bankruptcy Case Number : XXXX ; XXXX XXXX Bankruptcy Case Number : 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 2019-08-13
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: Information belongs to someone else

Complaint:
Transunion are reporting this erroneous account on my credit report that does not belong to me and i have been disputing for several months now but they keep responding by saying it's verified but not sending me any type of 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 2018-04-01
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 have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX/XXXX account number XXXX I have requested that they validate the information with XXXX/XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX failed to do.

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 2023-05-24
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all accounts that have dates that are old and affecting me obtaining 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 non-monetary relief
Consumer complaint received 2017-12-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a credit card a few days ago and since sign up I have been continually denied an instant ( temporary ) credit card number that would be effective to start purchases until I received my official card in the mail. I have been told '' we do n't do that '', " you should have signed up online '', and " you should have received it when you first applied " ( even though I did request it at that time and they denied the request ). Even though I express the urgency of needing to use it right away, all I was told was that I should reschedule what I am trying to purchase. ( Of which purchase could go up in price in doing so, will American express be paying the difference since I was denied a temporary card? ) I have spoken with numerous representative both on XXXX/XXXX/XXXX as well as today. Today I spoke with XXXX, a customer service agent ( who stated I should have gotten it when I first applied and after saying I did request it at that time, told me she could n't help and that she would transfer me ) and XXXX ( id # XXXX ) whom stated I would need to wait for my card in the mail. 
According to the terms, conditions, and disclosures of the credit card, an instant number is only limited to being based on the ability to validate my identity. There is no additional fine print stating any of the information provided to me by the representatives I spoke to and therefore I would have received the requested temporary card without any hassle. 
This has been the worst service and makes me wonder how my future service will be if I am treated and being made to feel like and unvalued customer in the very beginning, if they are n't following their own terms, conditions, and disclosures, and making me feel as though they do n't care if I stay with their company as a consumer or not. There are many other competition companies out there and with American Express being such a large company, you would think they would want to keep as many customers as they can being how there are so many other competitive companies out there to choose from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Experian Information Solutions 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 have sent a certified letter to XXXX, Experian, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, Experian, and XXXX failed to do.

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 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
They've taken the employer XXXX off twice now and they keep putting it back on. I have never worked for XXXX. You can investigate this with XXXX. They will tell you the same thing.

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 2019-08-13
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: Information belongs to someone else

Complaint:
EXPERIAN IS IN VIOLATION OF THE FCRA. I have written to Experian on several occasions disputing the fact that the items they are reporting on my credit file are incorrect and do not belong to me. Experian has responded by sending frivolous letters and continues to state that they have verified the accounts. Let this be a formal complaint against Experian for continue to report fraudulent/incorrect and inaccurate items on my credit file, that are not mine. I have been a victim of identity theft and have made several attempts to dispute certain information in my file with Experian as the result of the crime. The items I am disputing do not relate to any transactions I have made or authorized. I have filed a police report with XXXX County Sheriff 's Office and provided Experian with copies of the ID theft report on many occasions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
Santander Consumer USA is reporting my loan to all 3 credit bureaus as Closed Charge-Off with a balance of {$11000.00}. I paid my account in full and on time from XX/XX/2013 until the end ... also the # of months is showing 81 my loan was for 60 months not 81.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
I paid for XXXX XXXX credit repair service to provide ways of removing old or incorrect data from my credit reports.
Some items were removed except Navient who first reported that I was on default for 90 days during the timeframe of XX/XX/XXXX-XX/XX/XXXX. I had submitted application for forebearance because I had returned to grad school.
As you would assume, these items, incorrect or not should have been removed from my credit reports because these items are over 10 years old.
XXXX XXXX supposedly contacted them requesting a response but not only did they not respond to me Navient has yet to remove these items of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Experian Information Solutions 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:
Hello Sir/Mam I have a problem with my credit file. I disputed an address on my file and a name. The address was already on my credit file and a duplicate incomplete was there also. The representative did not want to remove the incorrect address so I asked for a supervisor. The supervisor came on and stated he would take care of it. The incorrect address was XXXX XXXX XXXX XXXX XXXX   XXXX and the name was XXXX XXXX. I received an update this morning which stated the name and my SOCIAL SECURITY NUMBER were DELETED!!!! THE INCORRECT ADDRESS IS STILL THERE!!! I am very upset!!! This is in retaliation of me asking for a supervisor and these actions will not be tolerated!! I want this corrected IMMMEDIATELY!! I want the calls pulled and reviewed. I am filing complaints with the CFPB, XXXX and any other bureau I can find!!! It's bad enough people have worry about FRAUD BUT WHEN YOU HAVE TO WORRY ABOUT THOSE WHO HAVE ACCEES TO YOUR PERSONAL RECORDS THAT'S NOT GOOD!!! And there is NO WAY A MISTAKE COULD BE USED AS AN EXCUSE!! Address, name and social security number do not sound alike in any way!!! Please correct this asap. I may be reached at XXXX XXXX XXXX. I want to file an official complaint against both the representative and supervisor who handled my call yesterday evening. XXXX was the supervisor and XXXX was the representative I spoke to first. 
Thank you. 

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 2018-07-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I mailed an investigation request to XXXX, Experian, and XXXX XXXX. The bureaus are supposed to conduct an investigation and respond within 30 days. As of today, neither of the bureaus have responded, and more than 30 days have passed.

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 2019-08-13
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was scheduled to on auction. After the date had passed I called the back to check the status, I was told that the account is in litigation and they can not speak to me or provide any further details. I explained that I did not seek counsel at any time on this loan and was expecting the property to get sold at auction. I was told that the account is locked and they can not provide details. I explained that there has to be some type of fraudulent activity because I did not authorize anyone to speak on my behalf. There was no help offered, only kept telling me that they can not provide any information. I requested an escalation or to get a a call back, which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts please investigate the unverifiable accounts : XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
USAA keeps correcting the balance I owe them on my credit report then putting it back on my credit report. They have been doing this for years when the debt has been paid in full. They are still reporting it as a current debt and keep refreshing it like it is a new debt. I want the debt removed from my credit report and I want USAA blocked from reporting on it ever again as I do not do business with them for this very reason and have no intentions of ever returning as a customer again after this poor management of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have consistently received low credit reviews from Transunion. In trying to find out why, I ordered a review of their file which they've been building since I became a widow. 
There are several listed which I've never used, some which I closed because I moved from the West Coast to Ark., and the stores don't exist here, so I stopped using them. There are then a few which I do not recognize and do not believe I have ever used. 

I changed my basic banking/brokerage system last year from XXXX XXXX XXXX to XXXX XXXX. There is no indication that this report is even aware of it. Since using XXXX, my reports are much better. The use of XXXX XXXX XXXX XXXX should have been deleted or at least updated, since that is not only my bank but also my brokerage account. I was able to simply move money from the brokerage side to the banking side any time I needed to. This report does not even indicate the fact that my monthly balance included the totals of my brokerage account along with my bank balance. Therefore, your report seems to indicate I have an incredibly high total of expenditures when the balance is made up of both sides : banking and brokerage. 
I hope this can be corrected to reflect these changes, as I believe it will show my only sin, in your eyes, is to be late on paying several accounts. I have committed that sin under the belief that the longer my money stays in my bank I am earning interest on it. I have never once in my XXXX years of doing business as an adult failed to pay for anything which I have bought. I use a different system, as I said, in order to keep my cash in my bank as long as possible before moving it into the " cash '' side, at which point my bills are paid.

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 2023-02-07
Company: Harris & Harris, Ltd.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Harris & Harris , Ltd XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX I owed XXXX Income Tax and paid it off directly to the XXXXXXXX XXXX XXXX XXXX . This collection agency keeps bothering me by sending me collection notices and leaving voice mails saying that I still owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my consumer credit report I noticed several unauthorized accounts.

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