BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found an account on my credit report that was not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this fraudulent account from my credit report as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2018-01-24
Company: Midwestern Health Management INC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted XXXX several times and asked them to update their reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 am a victim of identity theft and was told to often check my credit report and report anything I dont recognize or did not do.

Company response to consumer: In progress
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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:
From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX File Number : XXXX Unauthorized Credit Inquiries Reported by TransUnion : To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized credit inquiries that have been reported by TransUnion on my credit report. I have recently obtained a copy of my credit report on XX/XX/XXXX and was alarmed to find inquiries that I did not authorize. Details of the unauthorized credit inquiries are as follows : 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 XX/XX/XXXX These unauthorized inquiries are severely impacting my credit score I have taken the following steps to address the issue : Contact with TransUnion : I have contacted TransUnion to dispute the unauthorized inquiries, but they said they acknowledge that these inquiries are unauthorized but can't remove them until a FTC report is filed. I am requesting the Transunion take appropriate action to rectify the unauthorized inquiries 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 2022-02-21
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receivables XXXX  Management, LLC ( which owns XXXX XXXX XXXX XXXX XXXX ) is trying to collect a phantom debt from former XXXX XXXX XXXX XXXX that have returned their vehicles years ago and satisfied any remaining amounts owed. RPM has not provided any record of missed payments or any of the other bogus charges they are claiming. I have been the victim of robo- calling and harassment with threats to my credit score for a debt I do not owe. I am one of many people and this has to stop the FTC and CFNB needs to put this company to an end of its bad practices because it's an abuse of people who have paid their bills. 
Amount disputed {$360.00} My weekly payments had to be paid otherwise XXXX XXXX would not have collected the vehicle and they took my {$250.00} deposit per the XXXX XXXX XXXX agreement, my business with XXXX XXXX XXXX was satisfied 3 years ago. I do not owe anything to either of these scammer organizations and anything else is phantom debt. This should be a class action lawsuit at this point. 
My attached document is further proof that the alleged charges are false because they do not align with XXXX XXXX XXXX agreement. Also Stated in my contract in Section 9 is that this is a lease that could be terminated early for the fee of the deposit {$250.00}. This was highly marketed in the media outlets. 
See Below from the XXXX XXXXXXXX for example : https : XXXX " According to XXXX XXXX XXXX XXXX head of XXXX XXXX  , drivers pay a security deposit of {$250.00}. Unlike with traditional auto leases, theyre not locked into multiyear contracts. If a driver decides to terminate the lease early, he or she forfeits the {$250.00} deposit, with no other penalties. '' How could owe any additional fees ( early termination and sales fees? ) that this company has listed but not verified? The answer is I clearly do not. Please discharge and remove. Stop this company from hurting innocent people.

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 2023-11-15
Company: EQUIFAX, INC.
State: TN
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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 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 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 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 response to consumer: In progress
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I WAS TAKEN ADVANTAGE OF DUE TO MALPRACTICE WHILE SEVERAL LAWS WERE BEING BROKEN BY YOUR COMPANY UNDER THE XXXX, THIS HAS CAUSE ME FINANCIAL INJURY AND THIS IS DEFAMATION OF CHARACHTER. I HAVE BEEN DENIED JOBS BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN UNABLE TO LEVERAGE MY ASSETS DURING THE PANDEMIC BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN DENIED AN XXXX LOAN BECAUSE OF THE NEGATIVE, UNDULY AND ERRONEOUS ITEMS ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: DISCOVER BANK
State: ID
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: Card was charged for something you did not purchase with the card

Complaint:
I called XXXX XXXX XXXX for a " free estimate '' for a furnace problem as they advertised on line. They said they needed to have a credit card number to come out but they wouldnt charge my card. Several weeks late, on XX/XX/XXXX a tech came to my house. He looked at my furnace and said I needed a new motor. He did nothing to repair it and said that someone will call me with a price, then he left. He was there for 15 minutes. They said it would be {$700.00} or so. I said ok... but then they sent me a text saying it would be {$1100.00}! I sent them back a text immediately saying there was some mistake because I look up the cost of a motor on the internet and it was only about {$250.00}. So I said I didnt want the service. They then billed Discovercard for the {$1100.00} ... .later they took that off but added at charge of {$300.00}. Discovercard sent me a notice of that charge. I called them within minutes to say it was not authorized and told them the details. They said it would be investigated and they would give me a temporary credit. I kept waiting for the credit to appear. When it never did I called the XXXX XXXX on XX/XX/XXXX and spoke with XXXX she said she would fix it. On XX/XX/XXXX, XXXX I spoke with XXXX who said she would fix it, still nothing, then on XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX I spoke with XXXX and Corporate Headquarters on XXXXXXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I called again and no claim was denied. Today I called XXXX at the Corporate Headquarters. I never authorized a charge of {$300.00}. I was never given any communication from XXXX XXXX of any amount due, I only found out about the charge thru my Discovercard account. I asked the company who was the owner, they refused to tell me. Finally, my neighbor came over feeling so horrible about what happened. He looked at my furnace and said the motor was fine. He tightened a bolt and it has been working perfectly since then. He has offered to write a statement to this affect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Paypal Holdings, Inc
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Pursuant to 15 U.S. Code 1691 - Scope of prohibition- It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Keyword : ANY I was discriminated against based on my credit report/reputation. Also Pursuant to 15 U.S. Code 1602 ( p ) - Definitions and rules of construction. The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. The credit card being my social security was used by Paypal ( person ) and I the cardholder received no benefit. Paypal has already confirmed through email that they in fact did deny me my right to credit. Paypal shall pay fines for said violations including 15 U.S. Code 1681n - Civil liability for willful noncompliance. {$1000.00} per violation invoice will be sent by mail via XXXX with a tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
The company is reporting negative to my credit report in despite of a settlement agreement with the debt collector or account the credit companies sold to a debt collector. The Fair Credit Reporting Act prohibits a company from reporting negatively to my credit report for the sole purpose of revenge after a settlement agreement was reached or a business no longer owns the account. These payoff sheets do not match the reported credit information being derogatory on my credit reports.

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-02-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX / 30 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Barclays card. I have a high limit and charge a lot for work. I pay the bill in full by the end of each cycle. called to make payment on XX/XX/XXXX for {$24000.00}, called again same day and made payment for {$25000.00}, and for {$6100.00}. XX/XX/XXXX called and made a payment for {$4700.00} called XX/XX/XXXX XXXX XXXX  to see if my line of credit is opened, spoke to a supervisor. I was informed that I would have available credit on XX/XX/XXXX - I went nuts. The money left my account on XX/XX/XXXX. I have had a card with them for many years, charge in excess of {$100000.00} per month, I do not carry a balance & do not bounce checks. They had me do a conference call with my bank to confirm that they money really did leave my account. 

I have other cards, but this card has the best perks. They are the worst to do business with. We have another issue as well. I made a payment that was delivered to them on XX/XX/XXXX. they claim it arrived on XXXX - I have a signed slip and they will not delete interest charges. Cost me {$1200.00}. I am going thru Mass Consumer Assistance. If they do this to me, what are they doing to people who can not defend themselves. I think their business plan is to delay receipt of payments to increase fee income.

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 2023-03-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
MY NAME IS XXXX XXXX XXXX XXXX  MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MY CELL PHONE IS XXXX  MY EMAIL IS XXXX  
ON XXXX XXXX XXXX I WENT TO THE XXXX XXXX BUSINESS TO BUY A BED MATTRESS, THEY INVITED ME TO APPLY FOR THE STORE CREDIT CARD AND I AGREED TO FILL OUT THE APPLICATION. THEY TOLD ME THAT I WAS APPROVED AND THAT I WOULD GET MY PRODUCT IN TWO WEEKS. DAYS PASSED BY AND I RECEIVED A LETTER FROM THE BANK SAYING THAT THE CREDIT CARD HAD NOT BEEN APPROVED AT THAT MOMENT AND FROM THE XXXX XXXX BUSINESS. THEY NEVER CALLED ME TO PICK UP THE PRODUCT, FROM WHICH I DEDUCTED THAT THE CARD HAD NOT BEEN APPROVED OR THE PURCHASE HAD BEEN MADE. SOME MONTHS PASSED BY AND IN THE MONTH OF XXXX THE FURNITURE STORE CALLED ME TO PICK UP THE MATTRESS, TO WHICH I RAISED THE REPORT THAT IT HAD NOT BEEN APPROVED ACCORDING TO THE CARD, AND SINCE THEY NEVER CALLED ME AFTER 2 WEEKS THAT THEY REMAINED. BECAUSE I HAD GONE TO BUY THE PRODUCT IN ANOTHER PLACE AND I NO LONGER NEEDED IT TO BE CANCELED. THEY NEVER DID ANYTHING, THEY DID NOT WANT TO PROCEED TO FIX THE SITUATION AND THEY CHARGED THE PURCHASE TO THE CARD THAT HAD NOT BEEN APPROVED BEFORE. NOW I HAVE A REPORT ON MY CREDIT FOR LACK OF PAYMENT AND ON SEVERAL OCCASIONS I HAVE TALKED TO THE FURNITURE STORE AND THEY HAVE NEVER WANTED TO FIX ANYTHING AND THE BANK HAS RUINED MY CREDIT. 

THE NAME OF THE BUSSINESS IS: XXXX XXXX
ADRRESS: XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX
PH: XXXX XXXX

THE CREDIT CARD IS: BRAND SOURCE FROM CITI BANK, N.A.

I DON'T KNOW WHAT TO DO. IF YOU COULD HELP ME I WOULD GREATLY APPRECIATE IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-12
Company: Possible Financial Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
There was a past due balance of {$94.00} that was paid by my bank caused me to over draft on my XXXX  XXXX XXXX account, I contacted them by email since they dont have a customer service line u can talk to someone. They sent me money bank of {$35.00} for the over draft so my bank still paid that {$94.00}. They are saying its not paid but I had sent them my bank statement of the {$92.00}. And some cents that was paid. They still wont help me solve the issue. Its ridiculous that you cant speak to a live person. I need this cleared from my credit ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

Company response to consumer: In progress
Consumer complaint received 2020-01-13
Company: Nelnet, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
XXXX, XXXX and Equifax are all reporting XXXX XXXX that are not mine, and never happened. I had a XXXX XXXX XXXX which filed on XX/XX/XXXX. XXXX XXXX provided relief I was seeking. Yet, the 3 bureaus are reflecting additional XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Neither of these are mine and I need them removed from these reporting agencies immediately.

Company response to consumer: Closed with explanation