BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX reported a collection account on my credit, the charges and the balance is 100 %. I reached the XXXX Financial department and they acknowledge the mistake they did and they said they will delete the account from all credit bureaus. They sent me a letter confirming that they will contact the credit companies and the account will be deleted in 30 days. 

Other credit agencies deleted the item except for Experian when I contacted them and send them the letter that XXXX sent me, instead of removing the wrong account from I received a notification which says this : " Your original dispute was modified by an Experian Disputes Specialist '' First of all, they should not change or modify my dispute, and secondly, I send them an official letter from XXXX XXXX which shows that this account should not be on my credit report. 

I'm very much disappointed with Experian and how they're handling the issue.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report. 
Account Name : XXXX XXXX XXXX Account NumberXXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from 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 2021-11-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Hello, my name is XXXX XXXX and my checking account is with USAA and due to a service through XXXX-XXXX I made a dispute for charging me based on a horrible app. I have sent all documentation to USAA and uploaded proof of the outcome from the merchant stating we will compensate. USAA has failed to approve my claim stating it was for betting and there is nothing they can do. Unfortunately that can not be true as I ready to provide police report lawyer etc.. this amount was for XXXX and also XXXX it was used in a one week period and was due to the app glitching and also kicking me out not allowing me to make the choices I wanted. this is not the service I requested and contacting the company several times through this period. I have also contacted USAA over 20 times to ask what else is needed. they have dropped the ball on this and given me no response to the claim besides it was a gambling app and we are not allowed to approve this claim. I will go above and beyond to get this resolved as this is not fair to me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 attempted several times with transunion and XXXX XXXX XXXX.XXXX XXXX XXXX, XXXX, ok XXXX. 
act # XXXX- {$1100.00} act # XXXX- {$240.00} i have asked for signed contracts with my signature with this collection agency proving i had a contract with them. Ive requested transunion to show me proof of this info they say they verified. 
I would like both of the above accounts removed from my credit report. 
MY DISPUTER REASON ; NO CONTRACT CONTRACT CANCELLED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 a closed credit card on my XXXX credit report with late payments that are negatively affecting my credit score. I did not open this card myself, had no knowledge of it, and was not aware of its mismanagement. Once i became aware of the card, i paid it off and closed it immediately. I have tried disputing with XXXX, but have not been successful. I really need and would appreciate some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion TransUnion Consumer Solutions XXXX. XXXX  XXXX  XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
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:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$1600.00} on the XXXX XXXX XXXX, XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance. This incorrect reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, and XXXX XXXX XXXX ( Original Creditor : 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 an 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 if 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 non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have applications for several loans and credit cards on my XXXX XXXX that I did not make and have two collections that are 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 2019-09-25
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan with Citibank. Based in my salary and credit. I received a pre -approval. The underwriters later ordered an appraisal of my home, and I have at least XXXX in equity. I was told that I may need to pay off a few accounts but that they would move forward. We have emailed 4 or 5 times, and I spoke with the bank direcly. I called my loan officer and asked to speak with the underwriter to question the amount of income they have listed for my rental property. Citibank reported around XXXX per year. I told them that the amounts that they have listed are incorrect ( Citibank gather that I was receiving XXXX per month for a XXXX square foot apartment in a historic preservation area of XXXX XXXX. I mentioned that I received XXXX for the current month and forwarded receipts. I mentioned that I received XXXX in prior years lease, and XXXX per month in the last year. I also provided leases for the past 5 years of rent. Once underwriters spoke to me, the communication slowed. They deciphered that I was an XXXX American woman. I actually provided information which showed me having 600 % more in monthly rental income, nonetheless, the loan did not move forward. After communicating 2 to 3 times per week for a month. Communication stopped. They branch manager not loan officer could provide the silence.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received an email stating that the reporting agency was not able to verify inaccurate information and is refusing to delete the inaccurate information The burden of proof is not on me to verify inaccurate/negative accounts that are not mine 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2019-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PORTFOLIO RECOVERY AND XXXX   XXXX  CONTINUE TO CALL FREQUENTLY ( SOMETIMES 5 TIMES PER DAY ) EVERYDAY AFTER BEING TOLD TO STOP CALLING!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/ in amount of {$4600.00} from XXXX XXXX. Charge was disputed via XXXX XXXX but never removed. 
First, XXXX XXXX charged medical insurance. 5 Treatments were made and paid via insurance that involves cracking back. That's it. No other service was provided by XXXX office XXXX falsely charged for service that was never given. Insurance paid for cracking of back. XXXX XXXX wanted money for services NEVER provided. Treatments Never given. Amount changed from {$2000.00} to over {$5000.00} billed charges yet credit report says {$4600.00} on credit report. They are making stuff up!!!! 

Perhaps they confused myself with someone else. 

Kindly remove charge from all 3 credit reporting sites as it is fraudulent. Much appreciated!

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 2020-09-15
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The financial institution in reference, received a deposit of {$81000.00} on XXXX. They suspended the account on XXXX without notice. I went to login online and was unable to and reached out immediately to find out why. Then the very next day on XXXX sent me an email stating they have closed the account. No transactions were made using this account, yet they closed it due to unusual activity. Not XXXX single action took place and within 3 days they denied me access to the account and requested proof of identity. I sent in both my previous and current drivers license and verifiers my XXXX and for over a week did not get a response from them. Nor did they give me any additional info as to whats going on. So for over the past month I have emailed and called endlessly to get a resolution but there has not been XXXX. When asking about the balance of the account, they have said they are not releasing it and Im not sure why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have filed my first complaint against Bank of America when they tried to take an auto pay {$36.00} from my closed checking acct., then charged me a {$27.00} return check fee. I had paid the full balance, asked if I owed interest or any other fees and was told no. So i closed my checking acct., never even thinking about the auto pay i had agreed to when i had a balance. so i call and they tell me it is my fault that they fraudulently tried to take another payment & gave me a check return fee, because i didn't unenroll from auto pay?? how can you continue auto pay on an account with a XXXX balance & has been closed by the customers request??? This is evil. So he tells me to go online and unenroll, so i go online put in my id & password and Bank of America now tells me their is no open acct. for this id. They won't let me take myself off of auto pay to stop this evil against me next month. Please help us against this very evil practice.

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 2023-05-09
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: Account information incorrect

Complaint:
Please see the attached FTC Report and remove the account XXXX XXXX from my credit report. I have already tried to fix this with the credit bureaus, and they failed to conduct a thorough investigation. If they had, they would have known that the company is not credible and that each of the bureaus were reporting different agency names for the same account. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2021-01-05
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, CREDCO add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Exeter Fin XXXX, TX XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of Identity-Theft and have previously reported this to the Local Police, FTC, XXXX, XXXX, Experian and Creditors. I have placed Fraud-Alerts and a Freeze on my reports previously. I have once again befallen to Unsolicited or Unauthorized Inquiries from creditors that I have not given permissible-purpose to acquire. 1.XXXX  XXXX  XXXX XXXX ( XX/XX/2019 ) 2. XXXX ( XX/XX/2019 ) 3. XXXX XXXX XXXX ( XX/XX/2019 ) 4. XXXX XXXX ( XX/XX/2019 ) 5.XXXX  XXXX  XXXX ( XX/XX/2019 ) 6.XXXX XXXX  XXXX  ( XX/XX/2019 ) 7. XXXX  XXXX XXXX ( XX/XX/2019 ) 8. XXXX XXXX ( XX/XX/2019 ) 9.XXXX XXXX/XXXX  XXXX  ( XX/XX/2019 ) 10. XXXX XXXX ( XX/XX/2019 ). 11 XXXX XXXX ( XX/XX/2019 ) 12. XXXX XXXX XXXX  ( XX/XX/2019 ) 13.XXXX  XXXX  ( XX/XX/2019 ) 13. XXXX XXXX ( XX/XX/2019 ) 14. XXXX XXXX ( XX/XX/2019 ) 15. XXXX ( XX/XX/2019 ) 16. XXXX XXXX  ( XX/XX/2019 )

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