BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
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: Public record information inaccurate

Complaint:
I hereby declare under the penalty of perjury, pursuant to 18 Pa. C.S . 4904, that the following statements are true and correct based upon my personal knowledge information and belief : 1. I am in receipt of report # XXXX generated by Transunion XXXX XXXXXXXX 

XXXX. I am aware of erroneous information being actively furnished by Transunion on my consumer profile. 

XXXXUpon receipt of report # XXXX dated XXXX, I conducted a thorough examination of my consumer file and have discovered several errors resulting in : defamation of character. 

XXXX. Transunion is willfully and intentionally violating my rights as a federally protected consumer. 

Transunion is willfully and intentionally causing financial harm and emotional distress by continuing to report this information. I am unable to extend my credit in good faith and it is hindering me from being able to obtain essential consumer goods as a result. 

XXXX. Transunion is actively, willfully and intentionally committing fraud. 

Please block and remove : Public Records : XXXX XXXX XXXX XXXX - cease and desist from reporting. 

XXXX XXXX XXXXXXXX - BLOCK AND REMOVE ; cease and desist from reporting. 

XXXX XXXXXXXX - BLOCK AND REMOVE; cease & desist from reporting. 

XXXX XXXX - BLOCK AND REMOVE; cease & desist from reporting.

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 2020-07-08
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I signed up for the Citibank Account Package $  XXXX {$100.00} promotion in XXXX that required me to deposit $ XXXX in new funds into the eligible savings/checking accounts and keep it there for 60 days. At the same time, i opened a Citi Accelerate savings account. All three accounts were linked together in my online account. After I opened the accounts, I chatted with Citi customer service to verify the terms of the promo and asked if it would qualify for the promo if I deposit the required $ XXXX in the Accelerate account and they said yes. And I reconfirmed and they said yes again. Fast forward to XX/XX/XXXX, I called Citi to make sure I was going to be receiving my promo payment soon and they told me that I didn't qualify because the funds were held in the CIti Accelerate account instead of the other 2 accounts, a direct contradiction of the previous communication I had with Citi customer service to clarify the terms of the promo. I asked to speak to a supervisor who acknowledge the first customer service agent told me incorrect information, but that he would not stand behind what I had been told. I have deposited a significant sum of money with Citi, on the false pretense I would receive the {$500.00} bonus.

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 2019-10-22
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against 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 2020-05-27
Company: EQUIFAX, 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:
I have been trying to fix or take care of all the fraud activity on my credit reports thru the credit reporting agencies and they do not want to fix or remove all the fraud acitivities on my report ... ..I have tried to send them speak to them proof of my Identity to show them that it has nothing to do with me and they still have not responded or removed. I have seen fraud of my identity from diffrent states and its unbelievable how it gets put on my credit file and they dont realize that its not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: EQUIFAX, INC.
State: TX
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:
I sent, via certified mail, Equifax a Method of Verification Request for a collections and a closed account, XXXX XXXX XXXX XXXX and XXXX XXXX, respectively. 

Equifax received and signed for the requests on XX/XX/XXXX. By federal law, Equifax has 15 days to provide me with the description of the methods used to verify the accounts. After having not been provided with the requested information, on XX/XX/XXXX I sent Equifax an Intent To Sue letter for violation of the Fair Credit Reporting Act. 

As of the filing of this complaint, Equifax has yet to satisfy my request. I do not wish to file a lawsuit so I am making this last ditch effort in an attempt to get Equifax to comply with the Fair Credit Reporting Act : Provide me with the description used to verify the XXXX XXXX XXXX XXXX and XXXX XXXX accounts, or delete the accounts from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, 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:
I am writing about some accounts I previously reviewed on my credit report. XXXX XXXX XXXX XXXX XXXX I have reached out to the creditor, notified them that this account was not opened by me and I never used this account. This creditor has not removed this account off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the creditor, notified them that this account was not opened by me and I have never used this account. This creditor has not removed this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, INC.
State: TX
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:
my information was stolen by someone in the Equifax data breach then notes on all three credit reporting agencies hard inquiries on all three UI did not apply for I filled oout a report on Identity theft.gov web page sent copy to all three about this information and companies that took my information and checked credit for a job in XXXX state in XXXX and it shows I lived in XXXX since XXXX and that my ID throu Equifax was stolen and the credit reporting agency will do nothing about the information of id theft report I sent them with police reports as well. XXXX and Equifax and XXXX want me to send them a copy of my drivers license and social security card by mail or fax but XXXX law prohibits it when there is a identity theft problem that lists with all three credit reporting agency and they all said they dont care and will do nothing have not been able to even get e response from all three with in by federal credit reporting law I filed dispute 2 months ago and cant get response because have accounts with all three and are paperlise responses and all three have blocked me from my accounts du to  CFPB complaints all three did nothing to finish the disputes by the law provided time frame of 30 days.and the last three complaints through the CFPB I attached all information they asked for and still they did nothing but block me from my accounts. 
Equifax XXXX and XXXX have been added to my identity theft .gov report I am to have a free security freeze on my report after sending via CFPB complaint of id theft and they said no I dont care have voice recording of them saying it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, I applied for an HSBC credit card and received an email on XX/XX/2019 to call XXXX to verify my identity. When I called, they asked me for my cell phone for a text message verification code, I gave them the code, and was told I'd be receiving an email with a link to upload proof of my identity and a utility bill for residency. However, I did not get an email with the link. I then called them back and was told they were declining my application. Just 5 minutes prior, I was told they needed two documents. I was also told, the second time, that I would need to reapply. When I asked if they would pull my credit report again, the representative said no, but I don't know why they wouldn't run it a second time since it would be a new application. I was told that after they received proof of my identity that I would receive the credit card I applied for. However, on the second phone call, they told me they were declining my application and refused to let me send over proof of my identity and residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
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:
Inaccurate account 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 explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: MS
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 sent multiple credit dispute with these companies asking them to investigate items on my credit report they are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2017-09-16
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My regular monthly payment amount is XXXX. I make partial payments every two weeks instead of monthly. The payment amounts range from {$170.00} to XXXX every two weeks. I called the company to have the extra that i pay applied to the principal owed not principal and interest. Which i am within my rights to do. They told me that their system would not allow this. I want this addressed.

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 2022-12-04
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I disputed XXXX with EXPERIAN back in XXXX for a plethora of violations and I asked for the item to be removed from my report because it had so many errors and inaccuracies on it was not reporting proper data. Today, XXXX i tried to dispute it and it said that I already disputed the item but that was 60 days ago and all they did was update when it was to be removed. This is messing me up this account is all over the place.

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 2020-12-12
Company: EQUIFAX, INC.
State: IN
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Vital Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Vital Recovery contacted me in XX/XX/2020 about a payday loan on behalf of XXXX XXXX for {$1300.00}. We agreed to a pay off settlement of {$550.00} to be paid in 3 monthly installments. My first payment of {$180.00} was completed XX/XX/2020, My second payment was scheduled fore XX/XX/2020 but due to a financial hardship I called Vital Recovery and moved my payment to XX/XX/2020, which XXXX XXXX agreed to. Both payments were successful. However, I was notified my Virginia Unemployment that my extended benefit would end XX/XX/2020. I called Vital Recovery to move my last payment of {$180.00} from XX/XX/2020 to XX/XX/2020. XXXX stated since I moved my last payment and this would be a second time to move my payment they would not be able to honor the settlement agreement. She stated that I would have to pay the full balance. I explained that I do not have a job and would not be able to pay. I just wanted to move the payment of {$180.00} to the end of XX/XX/2020. XXXX stated that her manager stated they could not set up any payments for anything else but the full balance. I am not working and not sure when I will be working again. I mentioned that I would not be able to pay anything until maybe tax time but it would not be guarantee. She noted that she would make a note that I would pay it during tax time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My credit reports state I have a Serious Delinquency on my XXXX Mortgage. XXXX is reporting that was 120 days late and that is incorrect. I was in a disaster area ( Hurricane Harvey XX/XX/XXXX ) and on a mortgage forbearance program sponsored by XXXX From XX/XX/XXXX until XX/XX/XXXX - no mortgage payments were required. In XX/XX/XXXX, I entered into a loan modification program where I made trial payments from XXXX through XXXX. My loan was modified and I started making payments according to the new schedule. At no time was I considered late. In XXXX of XXXX, my credit report was impacted by XXXX reporting that I had a late payment history with the worst payment being over 120 day late. I disputed this with the credit reporting agencies several times. I called XXXX in XXXX and they said that although no payments were required during the forbearance period, none were received (???? ). Basically saying that even though you weren't required to make a payment, you are technically late because a payment was not received. I received a letter from XXXX in XX/XX/XXXX stating that my account has been reported correctly to the agencies. After continued disputes I called XXXX in XXXX and spoke with the Credit Reporting Department. They agreed with me that I should not have been marked late and that the reporting was done in error. However, they have not guaranteed that this will be corrected. 
This false and inaccurate reporting has had a serious impacted the credit scores for my wife and I for over a year ; dropping our scores below 600 and denying us access to loans and competitive interest rates.

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 2022-10-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have accounts that are identity fraud that are reporting to my credit profile. Please refer to attachment for further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Experian Information Solutions Inc.
State: OH
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 trying to buy a house and get a new job and the information that is on my report is inaccurate and unknown to me. Addresses and names and information on all three agencies XXXX, XXXXandXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX- XXXX, XXXX , OHXXXX, XXXX , OHXXXX, XXXX , OHXXXX, XXXX , OHXXXX XXXX, XXXX , OHXXXX- XXXX, XXXX, OH : ( 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 explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I have several hard inquiries that are effecting my credit report tremendously! I would like them remove because I was not inform that they would have an effect on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX WA, XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX WA, XXXX XX/XX/XXXX XX/XX/XXXX XXXX TX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX MD, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX UT, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
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: Information belongs to someone else

Complaint:
I have contacted Experian several times because i noticed they continue to report XXXX accounts on my credit file that does not belong to me, When i call Experian to dispute i'm either left on hold, transferred, redirected and had to repeatedly call back hopefully to reach someone at Experian. 

My call is continued left bouncing around for hours. Finally after many attempts, i was told by a Representative at Experian that XXXX accounts can not be disputed though Experian and is not Experian 's policy to investigate fraud on a report. 

I told the representative at Experian i did not sign or agree to any contract with XXXX, I did not Provide XXXX with my social security number, the address with XXXX does not match mine, the name does not match, i did not provide XXXX with my ID or phone number or wet ink signature. I did not agree to pay any debt or repayment loan with this with XXXX or any company they represent.

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 2018-02-27
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in foreclosure for about 16 months, in which time I have tried diligently to get a modification, my current rate is very high and the bank has refuse to modification my loan because there equity in the property. they have time and time again ask me to refax document and I have already provided to them only to tell me after 14 months that the loan can not be modified because there is equity in the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation