BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 submitted enough information for you to determine and agree that these accounts have fraudulent charges from identity theft. I now need to see all documentation from your investigation that proves otherwise, or this is false reporting and negligence these accounts need to be removed immediately ( XXXX XXXX XXXX XXXX ) fraudulent charges made on account. ( 104 ) ( XXXX XXXX XXXX ) fraudulent charges made on account. ( 104 ) This is my second request please remove the above accounts and send me a new credit report showing these corrections.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 received an alert that a hard inquiry was placed on my transunion credit report. Its for XXXX dates XX/XX/2022. My transunion credit is currently frozen and has been frozen, so there should be no inquiries from any company. I called XXXX  And they do not have any record of a credit pull for me nor any recent requests.

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 2022-03-23
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I was a victim of identity theft in the past. This creditor never sent in any mail stating that this debt was owed. Never received written notice about this debt before it was reported on my credit report. I contacted them 40 days ago and have yet to receive proper validation and documents stating this account is mine. This has surpassed the legal time limit please remove this from my credit report. There is no verification of this alleged debt that is not mine. The dates reporting across all credit bureaus are different this is inaccurate. Also this account listed gave false/misleading information then decided to close the account. There is a positive balance of {$6100.00} which is false representation of the amount. This goes against 15 USC Section 1692e ( a ) I also never granted this organization. 

The account is XXXXXXXX XXXX XXXX XXXX. 

I am the only one who can validate this debt, according to congress I am the original creditor. I do not validate this debt. Congress law states that legally this account is supposed to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off a credi card within the allowed time. I was then charged interest after the card was paid off. I called the the Bank which refused to remove the interest change even thought the account had been paid off by the date their were charding interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX  ACCOUNT WAS XXXX IN XXXX XXXX BK ON XX/XX/2021

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 2019-01-08
Company: Experian Information Solutions Inc.
State: VA
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 been requesting verification of the following account that Experian continues to report on my credit file. California Federal Court-XXXX XXXX # XXXX. XX/XX/2018 I sent letter requesting document on verification of this acount. On XX/XX/2018 Experian responds with account verified with no document on how account is verified. I called Experian asking how account was verified they state it was verified with original furnished. On XX/XX/2018 I sent a letter to California Federal Court-XXXX XXXX. They sent back a letter state, We do not verify information for credit reporting agencys. I called Experian after receiving letter stating California Federal Court-XXXX XXXX do not verity account and requested how was this account verified. They stated a third party verified the acccount but they can not provided with the name of the third party. XX/XX/2018 I sent Experian the letter from the court and demand documentation on how this account was verified. Experian again state the account was verified and not provide proof on how account was verified. Under the Fair Credit Reporting Act 15 U.S.C 1681g Experian have to funish documentation on how account is verified. Also Equifax and TransUnion was unable to verified account, how did Experian verify when the other two bureau was unable to verify and deleted 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 2021-08-07
Company: Goal Structured Solutions, LLC
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I received a letter stating that my loans would be entering repayment following an in-school deferment. The payment amount is {$850.00} per month. It would be impossible for me to pay this amount monthly. I work full time and am paid minimum base wage. I tried to contact this company to lower my monthly payments, however I was unable to do so because they only offer support during the hours that I am working full time.

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 2022-04-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for ~ {$6000.00} in XX/XX/XXXX then was told 3 months later that I had already deposited this check almost a year ago in XX/XX/XXXX. Now I understand it is my fault for cashing it twice, but honestly I did it by accident, I thought I had saved that check from last year for when i needed it. I just wanted to complain about the fact that why is it always the consumer 's fault? Wouldn't it also be a bank error for accepting the already deposited check and not letting me know until months later after I had already spent the money on my bills? I am willing to pay the bank back but want to see some sort of change in the system for the consumer to not be held accountable for bank errors, especially when big banks control most of the money/power in the world and are responsible for most of the evils in this world.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone offered me XXXX dollars for an online good, and once I payed him the money via paypal, he said he wanted to wait for the money to transfer into his bank account, and he said it would take up to XXXX hours, and after I waited this time, he blocked me on XXXX. In the past I have tried to use PayPal themselves to solve the problem, but I never have gotten my money refunded, or a message from the other seller. I originally sent him the money on XXXX XXXX, XXXX and the last time he said anything to me was on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX, XXXX XXXX, experian and the ftc unknowing that I have been a victim until my life been impact my life health and job. to be emotionally mental broken down and tired of these company when I 'm a victim

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 2020-04-23
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: 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. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT 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 explanation
Consumer complaint received 2017-12-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX lower my score by 79 points with no reason. 
Transunion lower my credit score by 73 points with no reason.

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 2022-04-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX put XXXX amounts due into an 18 month Promo purchase plan and after I make an online payment I need to call them to disperse money to the promo plans, XXXX in escalation and XXXX wasted my time by not moving the money to to program and they hung up on me 2x

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 2022-03-23
Company: U.S. BANCORP
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: Problem with personal statement of dispute

Complaint:
This is my 4th letter regarding an investigation on my credit report which caused severe XXXX upon me and found unverifiable, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S Code 1681e ( b ) ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) in general, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate and 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of the verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

15 U.S Code 1681 ( 5 ) Removal of inaccurate credit information XXXX XXXX XXXX Account Number : XXXX I demand you to delete this item asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT 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 explanation
Consumer complaint received 2017-09-29
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Regarding complaint # XXXX, Ditech 's answer is quite misleading. The payments were submitted as their customer service rep advised. Later, the story changed and electronic payments are now the problem. Which is correct? XXXX never addressed the question of whether my information was sent to another customer, just as another customer 's information was sent to me. I would hope in this day and age, they would be more careful with private information but they sent me another customers papers twice. I would like a written statement from them that my information was never revealed to another customer. Thank you for finally getting to the truth and getting them to admit they changed their platform. I was told several times there were no changes made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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:
Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked Experian, XXXX, and XXXX to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to be removed immediately.

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 2020-02-20
Company: Aldous & Associates, PLLC
State: UT
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:
Aldous & Associates # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been unemployed since XXXX. Navient called me everyday and sometimes three times a day to collect. They kept giving me forbearance and reporting my loan delinquent. This occured between aprox. XXXX thru XXXX. I now have income driven repayment. I did not even know about this nor did they ever offer it as an option till XXXX. 
My credit is now ruined because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Paypal Holdings, Inc
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I canceled the hotel stay with XXXX and the hotel promised me that they would offer me a refund. I was diagnosed with XXXX and when I called the hotel they advised that was not a problem. I was the only one allowed on the hotel stay and there was no one allowed to stay under my name. That would be considered fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26
Company: EQUIFAX, 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:
Account with XXXX XXXX is appearing on my credit report. This is a result of identity theft. I have attached a copy of my FTC XXXX affidavit in support. Please block and suppress this incorrect information. 

Account # XXXX

Company response to consumer: Closed with explanation