BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 {$1200.00}, {$0.00}, {$0.00}, {$880.00}, {$0.00}, {$1100.00}, {$1500.00}, {$900.00}, {$1600.00}, {$570.00}. 
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 ) -- CLOSED ACCOUNTS 1.  XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXXXXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXXXXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Personal information is incorrect on credit profile

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 2023-05-19
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I have requested in writting to that theses items be removed off my credit profile Due to fraud they are not my accounts XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Balance of XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Balance XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed none stop with this. Company and seems to me the have done nothing but let my rights be violated and I am not standing for it anymore I have filed a police report I have sent in my ftc report and also filed a new one I have placed a fraud a lot onto my account so no one can again harm my credit also the accounts they are listing on my credit that ARE NOT MINE are still violation of rights due to inconsistency of information matching and none of it does across all three credit files so these account needs to be deleted now and I am not going let these companys violate my rights

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 2018-05-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX keeps touching my credit about every 2 weeks and causing my score to continuously drop. Drop allot. They are adding remarks, then removing them. I call and they have no knowledge of this or do not know how to handle it. Or they don't see a record of my calls etc. They are ruining things for me and should not be adding remarks every 2 weeks. Also stating I am in a natural disaster and then calling me, emailing me for payment and have no record of this natural disaster, was never asked about it or to enroll in it. They do as they please with my loans and credit score. I get nowhere calling. They keep losing record of calls and info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
tried to dispute the information but the agency would not remove the incorrect data

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 2023-09-21
Company: PLANET HOME LENDING, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Sent initial payment and payment was not accepted, Now they want to charge double. And add late fees for their mistake. It is two months now and they have accepted payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: CITIBANK, N.A.
State: WA
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 made a purchase of goods on XX/XX/XXXX from what I thought was XXXX company for shoe boxes. " XXXX XXXX  Looks like the site is now redirecting to XXXX it does look exactly the same. After making the purchase, it seemed fishy so I did some investigating and found that this is a XXXX company, nothing bad there but also found that many customers have purchase from them and didn't receive what they purchased, instead they got cheap plastic sheets that fold into shoe boxes but look and function nothing like the items advertised on the website. At this point I sent an email to cancel my order, but the merchant never responded. I then made a dispute to citibank on XXXX and they denied it on XX/XX/XXXX, I tried to explain my dispute after receiving the items to explain but it was once again denied. There are many reviews of this site along with XXXX reviews from customers. Also my order were for black shoe boxes cases and these are blue. Please see screenshots of what the item which was advertised and what was actually delivered. Added a pic of the item along with a size 11 shoe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2023 I received a copy of my credit report from XXXX, XXXX and Experian. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, XXXX and Experian on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. Experian received my letter on XX/XX/2023 at XXXX. I received letters back from XXXX and Experian showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, XXXX and Experian on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. Experian Complaint ID is XXXX. XXXX Complaint ID is XXXX. XXXX Complaint ID is XXXX. Experian Responded on XX/XX/2023. XXXX Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX XXXX XXXX XXXX Account Number : XXXX or XXXX, Worst delinquency is inaccurate. Payment history is inaccurate. Derogatory events is inaccurate. Closed date is inaccurate. Last activity is inaccurate. High balance 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 2016-07-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get about XXXX phone calls a day from XXXX XXXX XXXX XXXX a XXXX search indocates it is likely a Wells Fargo Collections attempt. ONe voicemail mentioned {$10000.00} balance and some options to pay it off. I do not bank with Wells Fargo and I do n't anybody who does. All of my bills are 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 non-monetary relief
Consumer complaint received 2020-07-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My identity has been compromised from the lost of my wallet. I've also been a victim of the Equifax breach as well as victimized by the dark web. Therefore, I'm demanding that the following unknown and unauthorized accounts be removed and blocked from my credit file. The accounts are listed below. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX {$450.00} 3 ) XXXX XXXX XXXX {$790.00} 4 ) XXXX  XXXX XXXX {$240.00} 5 ) XXXX XXXX XXXX  {$780.00} 6 ) XXXX  XXXX XXXX 7 ) XXXX XXXX {$120.00} 8 )  XXXX XXXX XXXX XXXX$780.00} 10 ) XXXX XXXX XXXXXXXX {$780.00} 11 )  XXXX XXXX XXXXXXXX {$790.00} 11 ) XXXX and XXXX {$920.00} 12 ) XXXX XXXX {$180.00} 13 ) XXXX XXXX  {$180.00} 14 ) XXXX XXXX  {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I wanted to purchase a TV from XXXX for the XXXX sale, and saw the financing option which sounded pretty good. I applied to get financing, but at first my application was rejected, since my credit history was locked. I called the merchant bank ( TD Bank ) and unlocked my credit history and they retried the request and it succeeded. So now I had a hard inquiry on my credit report and was approved for XXXX . I got my welcome kit in the mail a few days later and I set up my account online as well. 

After this, I went to purchase my TV from XXXX, but I couldn't use the financing option anymore, it was still stuck on the old error of my credit being declined. I called XXXX and asked to be helped but they kept sending me from one department to the other, and finally to TD bank. I called TD bank to resolve this issue, and they said its XXXX who needs to fix it. It has been over 3 weeks now, and I am still unable to make any purchase, and despite repeated calls to both companies I haven't received any resolution. 

Now, I really don't want to do business with a company with such bad service, so I want to close my XXXX credit account, but that will put another remark on my credit history. I don't want to keep the financing open, since I know in the future in 2 - 3 years, they will come back with some fine and charge me for not using the financing option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Bank XXXX XXXX XXXX Visa Credit Card ) charged me late fees and minimum interest charges on the following dates : {$17.00} ( Late Fee on XX/XX/XXXX ), {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ), {$35.00} ( Late Fee on XX/XX/XXXX ), {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ), {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ), {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ), {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ), and {$1.00} ( Minimum Interest Charge on XX/XX/XXXX ). The creditor failed to mail me billing statements since XXXX of XXXX. I have attempted to contact the creditor to obtain a refund of all the late fees and minimum interest charges caused by the late fees but the creditor only credited me {$35.00} on XX/XX/XXXX. The creditor must credit me for {$23.00} and remove all negative information they reported to all credit bureaus. Failure to provide the credit and remove the negative information will result in legal action in small claims court. 



Please Note : I have never signed up for electronic statements. I have not been receiving my statements and because of that I was not aware of the minimum payment due since I did not receive my statements nor was I able to access my account online because of issues with my login/password. If Synchrony Bank ( XXXX XXXX Visa Credit Card ) disagrees with this, please provide proof that you sent out the credit card statement for all the periods since XXXX of XXXX and that I actually received them. Such proof includes tracking information with USPS, XXXX, XXXX, or a certified mail receipt.

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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent to Experian and XXXX copies of my current drivers license along with utility bills showing my correct address and that the ones they have listed other then it are incorrect. Yet they do not remove them, I have sent the proof to XXXX 3 times and each time they claim they need me to resend the proof. I do not understand why they are being so difficult in correcting my address. I have also notified them and ask for proof of several inquiries appearing on my report yet they both just send me canned letters about credit inquiries and nothing proving I authorized them or any thing, this also includes XXXX XXXX in this complaint on the inquiries.

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 2020-07-20
Company: Conn's, Inc.
State: LA
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 contact Conn 's, XXXX and XXXX concerning incorrect payment history reporting by Conn 's to my credit bureau and it is still not correct. I have been dealing with this situation since XX/XX/2020, and my family and I are missing out of buying a house and qualifying for certain programs because of the negative impact on my credit scores. I have documentation to prove my payment history, but it seems as if the information is being either kept from Conn 's or isn't even being considered when it comes to the correction of the items and the dispute process. Not to mention the carelessness of Conn 's and their attempts to sweep their mistakes under the rug. I am fed up and I am considering legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: NV
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 recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX : {$330.00}.

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 explanation
Consumer complaint received 2023-05-23
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 never lived in Wisconsin, I have had my identity stolen back in XXXX and I have filed it with all XXXX credit bureau. I have seen this address continuously on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: SC
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 disputed a late payment from XXXX XXXX  it took longer than 45 days did not delete

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 2018-05-11
Company: DYNAMIC RECOVERY SERVICES, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I asked the company to stop calling but they continue to call. They are not an original creditor and I do not know how they got my information.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-24
Company: Synergetic Communication Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the third bill/credit collection I have received related to XXXX XXXX. On XX/XX/21 I received a letter from Synergetic Communication Inc attempting to collect a debt for XXXX XXXX in the amount of {$480.00} ( see attachments ). This account is not mine and is related to someone who either stole my information or a hospital mis-keyed his information. You have identified and resolved this twice before. I have sent an email to XXXX and I will be faxing them today as well.

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