BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 tried to dispute this account with TransUnion, XXXX, and XXXX. They are reporting child support on my personal credit from Arkansas and another one from an account Listed as XXXX. I called both of those agencies and gave them my personal information to see what could possibly be going on because none of my children have ever been paid child support. Those Companies didnt have any matching information with my name, social, or date of birth. Public records have the wrong person in their system and the credit bureaus have done a terrible job of investigating to find the solution to this matter

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 2022-06-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: EQUIFAX, INC.
State: MI
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 received a response from XXXX an account on my credit report. Ill attach the documents that they sent me ; I asked for proof on a original signed contract with my signature. The letter XXXX sent me was stating I called and opened up an account give me verification that I did that. My information was stolen and multiple accounts were open without my knowledge, this is hurting my credit. It was no information about how they did their investigation. According to Section 609 of the FCRA you have to provide the proper documentation. Show me verification, show my signature on a contract or let me her my voice saying yes this is XXXX no Ill keep fighting to exercise my rights until something is done. Ill keep fighting for all consumers all over the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way the bureaus were able to verify this! I'm invoking my rights as a consumer under Federal Law and the bureaus are choosing to blatantly just ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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:
Last year I discovered a false account with XXXX XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but both have refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is 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 2018-05-07
Company: First Data Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I went to my local XXXX to load some money on my XXXX XXXX card for an online purchase. I would like to note that Ive done this countless times and never had a problem. I asked the cashier to load {$90.00} to my card and I was charged a {$4.00} service fee. The cashier took my money and I received a receipt for the transaction which shows the last 4 digits of my card as the card the money was loaded to. The money never showed up in my account. I have contacted XXXX XXXX more times than I can count and they keep telling me I need to wait longer for the issue to be resolved.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on 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 2020-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1300.00}, {$18000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXXXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my 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 2023-12-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-15
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/2022 I posted on XXXX I was looking to purchase XXXX tickets to XXXX concert in XXXX Ohio. Someone told me they had them and to direct message them. I did. They said they were {$150.00} per ticket. I was purchasing XXXX. I transferred {$300.00} to XXXX XXXX account on Zelle. I was then told it would be an additional amount of money and I would need to send it quickly before I could get the tickets. I then asked for a refund and stated I no longer wanted to purchase tickets. They said they are not able to do that and stoped replying. They have my {$300.00} and I never received tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-10-05
Company: RS Clark and Associates, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
Rs clark and associates is on my credit report without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
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:
Today XX/XX/2018 I am disputing again the XXXX Account that is not accurately reported in my credit file. To all credit bureaus, I called XXXX directly and spoke to Miss XXXX XXXX, She states that NO credit bureaus have called to verify my account. The XXXX account was paid in full and not late. Credit Bureaus ARE NOT checking or Verifying any information. Per Law, they are supposed to. This negative information is hurting me obtaining a home and credit. There has been many mistakes on my file. I will continue to report and argue my case until someone listens.

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 2020-12-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Spoke with XXXX  about my US Bank credit card not being reported correctly. They merge a old card with a new card. So it's states current but the status states the account is closed. Told me to call US Bank credit car company and they re-reported the information and XXXX  never made the change to my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
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:
Complaint XXXX was closed by Experian with an automated response that they gave on another complaint different from this one. Experian request a 100 word statement specifying my dispute issue and I have submitted several dispute letters over 100 words detailing my issue with a bankruptcy that is reporting on my Experian credit report. When reporting information it must be complete and accurate. How can you verify information from a consumer reporting agency and say it's verified and accurate. To file bankruptcy you must have accounts under the bankruptcy and financial amounts to be including in the bankruptcy. You must have the full correct account number and also when the bankruptcy was filed must be correct. Full name of where the bankruptcy was filed. The credit bureaus should not be reporting different information about the same bankruptcy and saying its verified information. The bankruptcy that is being reporting has no accounts, no financial information, different dates it was filed how is this a verified account? I explained this in detail in several dispute letters. I have proven this in the credit report I submitted with all 3 credit bureaus. Consider this once again my 100 word statement. At this point if the issue is not resolved I will move forward with the litigation process.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: LA
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:
FCRA Violation: name and address not mine XXXX XXXX XXXX XXXX  NAMES REPORTED
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  LA
XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA
XXXX  
FCRA Violation: credit card never late
XXXXTHE

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
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 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 2022-02-01
Company: Experian Information Solutions 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 Experian a letter on XX/XX/XXXX in regards to be a victim of XXXX data breach as well as a victim of identity theft and that there are XXXX accounts on my credit report that aren't mine. It is now XX/XX/XXXX and Experian has not replied to the letter in regards to this problem. Due to XXXX day time frame for them to notify me of results are investigation i am requesting these accounts be deleted. It has damaged my ability to get assistance to provide for my family and I have been patient enough. 
Please delete now : 1. XXXX- account # XXXX 2.XXXX XXXX Account # XXXX 3. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX These accounts are not mine and I have bee waiting past the 30 days for a response, update to my letter.

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 2020-12-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX we ordered 200 face masks from XXXX for {$190.00}. 

On XX/XX/XXXX XXXX ( under the name XXXX ) emailed us the shipment was on the way. 

On XX/XX/XXXX we emailed XXXX to cancel the order. On second look we felt the website was bogus and lacked basic track your order here screen input, no chat, no phone number. 

On XX/XX/XXXX XXXX  emailed us the USPS shipping label number. The USPS tracking website showed the Label created, not yet in system. ( attached ) On XX/XX/XXXX we disputed the charge online with Citicard as the shipping label showed created not shipped, the merchandise was not received and XXXX did not respond to our email. 

On XX/XX/XXXX Citicard emailed XXXX responded and that response would be provided to us in 10 business days, XX/XX/XXXX. Citicard did not provide it by this date but on XX/XX/XXXX. 

On XX/XX/XXXX Citicard charged our account for {$190.00}, reversing the temporary credit. 

On XX/XX/XXXX I emailed Citicard and demanded the {$190.00} be reversed. 

On XX/XX/XXXX Citicard provided us a letter dated XX/XX/XXXX with XXXX response via XXXX XXXX Citicard states to dispute this charge Documentation such as a confirmation email that proves you cancelled the transaction with the merchant. We provided such documentation. 



OUR COMPLAINT Citicard relied completely on XXXX XXXX. response and ignored the fact we canceled the order in an appropriate timeframe. Internet vendors, per FTC rules, can not demand customers wait more than 30 days for their merchandise. Citicard relied entirely on a shipping label created by XXXX but never shipped. 

We canceled the order within 3 days, notified Citicard within 11 days of the order and did not hear back from Citicard with definitive information untilXX/XX/XXXX 38 days from the disputed charge filing. 

In our XX/XX/XXXX and 15 emails to Citicard we stated XXXX is not entitled to payment as merchandise has not been delivered, no communication from XXXX whatsoever, there was no longer a XXXX  website and the USPS and XXXX Mail tracking numbers were nothing more than labels created but not in their systems. 

Demand is hereby made Citicard refund our {$190.00}.

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 2023-06-15
Company: GOLDMAN SACHS BANK USA
State: GA
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 filed a dispute with Goldman Sachs XXXX Apple Card ) regarding a charge on my credit card for {$97.00}. I enrolled in a subscription with XXXX XXXX in XXXX of 2023 and paid a promo fee of {$24.00} the promo was for 2 months. I also chose a dietary plan that does not include pork. The merchant charged me {$97.00} before the promo was over and they sent XXXX meals that included pork. I contacted the XXXX on XX/XX/2023 and cancelled my subscription. I also contacted Goldman Sachs to file a dispute. The initial dispute was denied stating the XXXX followed the XXXX & XXXX. I contacted Apple and explained to them that they did not file the dispute correctly they never asked the XXXX to respond to charging outside of promotion and that they sent me the wrong items. Apple agreed with my response and filed a second dispute. However now they have come back tome asking yet again for more information that I have provided them 3 times. I am filing a complaint regarding the manner in which my dispute was handled as Customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: EQUIFAX, INC.
State: AL
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:
On my credit reports with each company they show a Repo for my car with XXXX XXXXXXXX XXXX. This car is in my possession. I am trying to work on my credit but this is holding me up from jobs and everything. I need this addressed and fixed please.

Company response to consumer: Closed with explanation