BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been waiting for investigation updates or results since XX/XX/2021. It has been more than 30 days and nothing yet. There is inaccurate information reported on my credit and I have tried on several occasions last year to fix these errors with no luck. Now they aren't even responding to me. Please help!

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 2018-02-08
Company: Upstart Holdings, 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:
On XX/XX/XXXX Upstart Network Inc made a HARD credit inquiry without my knowledge or authorization. Their website offers consumers an option to see the available loan options without impacting their credit score. See attached photo of their website. 
On XX/XX/XXXX I requested my free credit report from XXXX  and found Upstart Network Inc obtained my credit file on XX/XX/XXXX. This inquiry is shown under " regular Inquiries '' that will remain on my credit profile for 2 yrs. See copy of credit report inquiry attached. 
I called Upstart and spoke with a representative who would only identify himself as " XXXX ''. He assured me that Upstart does not make " hard inquiries '' and instructed me to verify the information with the credit agency as there is nothing he could do to assist me. 
Upstart has clearly violated FCRA by obtaining my credit report. Their online marketing practice is deceptive, unfair and has negatively impacted my credit score and ability to obtain fair credit rates.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed Account Name : XXXX Account Number : XXXX Sent certified mail to Transunion : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX Sent certified mail to XXXX : XX/XX/XXXX Credit Bureaus, Transunion, XXXX XXXX and XXXX, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate. The date opened, the date last active, high credit and the date last reported are all inaccurate still. The payment history is incorrect and also not reporting correctly and Transunion does not report any payment history at all. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 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. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report.

They have had plenty of time to actually verify and correct any errors but still have not and just keep sending back that the account is verified wasting my time and doing personal harm to me.

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 2023-11-26
Company: TRUIST FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ordered a thermostat online from XXXX XXXX tried to cancel less than 24 hours with that seller. As i had to have replaced right away as mine failed when over XXXX degrees outside... contacted By email, No reply, Tried to call them several times never answer phone only get voicemail left messages No reply... never received product only received 1 email confirmation my order .... 
I have filed a fraud complaint with my bank Truist Bank ..they denied me in there favor?? the first time with a letter stating the company has had no dealing with me whatsoever??? Find that impossible as that company can not be reached?? I then called Truist Bank fraud department back gave copies of my emails, copies of pictures of my phine calls to that company. I also went directly to my bank branch with everything. I have had to call them twice so far for update, and nothing is resolved yet.. THEY gave {$81.00} of my money to somebody be debit card or not should get it back. I had canceled that order less than 24 hours and never received refund nor did they send the thermostat either. The bank had to have lied to me when they first denied me so quick as if they spoke to this company that does not answer phone only has voicemail and does not reply to voicemail. It's been just over 2 months, I would think a good bank would take care of there customers? I have since pulled most all of my money from Truist bank including closing a CD which they charged {$100.00} to close early wow bad business. I changed to a different bank. Seriously over {$81.00} they gave it to somebody and need to refund me and take it back from whomever.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2021-07-27
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: Information belongs to someone else

Complaint:
Hello I have inquiries that are not mine and few accounts that appeared just recently. I am victim of identity theft and I feel that my personal information was used or I guess its poor reporting and bureaus just filed unknown items to my personal report. They are killing my score, please figure out why I have them and delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was removed as an authorized user from my wife XXXX XXXX XXXX account. It is still reporting me as a user on my credit report. I have already filed a complaint to have this issue resolved and nothing has happened. Complaint number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: IL
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:
my credit report has inaccurate info on it i complained a few times about this and no change capital one i have no card from them bor did i apply for one from them consumer finavial also and 2 of 4 listed from citibank shouldnt be on there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: PA
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 reviewed my Equifax report and saw a hard inquiry from USF Federal that I didn't authorize on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX TXXXX XXXX XXXX ) XXXX XXXX : {$780.00}.

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 non-monetary relief
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: PA
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:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/202XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had been a XXXX customer for nearly seven years. 

My next bill date of XX/XX/2017 was for {$130.00} plus other charge of {$79.00} for service call of XX/XX/2017. I dispute that {$210.00} bill. 

The {$79.00} was for loss of service due to incorrect - unprofessional installation through no fault of my own. Cable was improperly connected at the pole allowing rainwater into the cable that caused the failure. 

Before the end of the grace period of the next billing cycle from XX/XX/2017 to XX/XX/2017 for {$130.00}, I called XXXX on XX/XX/2017 to cancel and discontinue my account no. XXXX XXXX XXXX XXXX. 

I was instructed that XXXX would not retrieve the cable box and modem. The next day I delivered the cable box and modem to a XXXX office on XX/XX/2017, receipt : XXXX. 

My balance to XXXX is {$0.00} Since then XXXX has continued to bill me for services not rendered or no longer wanted. 

{$210.00} above : Services from XX/XX/2017 to XX/XX/2017 I also dispute the following bills. 
{$350.00} then : Services from XX/XX/2017 to XX/XX/2017 {$410.00} then : Services from XX/XX/2017 to XX/XX/2017 Since then XXXX has hired two collection agencies who declined to collect on the false claim after I sent them documentation. 
XXXX has continued to report that false claim to the Credit Bureau negatively affecting my credit score.

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 2023-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not give written permission to have the following accounts furnished on my credit report ( 15 USC 1681A2 ). 

1 ) XXXX XXXX XXXX CHARGED OFF ACCOUNT XX/XX/XXXX Account Number XXXX XXXX 2 ) XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20
Company: Financial Business and Consumer Solutions.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Hello To Whoever, Concern, due to being a victim of identity theft, and a DATA BRENCH I checked my credit score, and found multiple inaccuracies listed on my credit report. 
Ive constantly been disputing the inaccuracies on my credit report since XX/XX/XXXX. 

A credit card was opened by XXXXXXXX XXXX using my information on XX/XX/XXXX not one payment was made or received on the XXXX XXXX account. I contacted XXXXXXXX XXXX on XX/XX/XXXX explaining the situation begging for the account to be removed/ and, or verified due to identity theft, and also no payment being made on this account. 

XXXX XXXX disregarded the information I provided, by making a decision to list the account as a charge off on XX/XX/XXXX. The company XXXXXXXX XXXX than sold this DEROGATORY account to a collections agency named FBCS. In which I had no acknowledgment of. 

The company FBCS informed me the account debt is now in their hands. FBCS wasted no time, and immediately started making threats calling my cellular phone after XXXX EST. The company took it as far as calling my job multiple times a day. Mentioning jail time by XX/XX/XXXX if I didnt agree to opt in a payment plan of 3 payments for {$130.00} dollars a month. 

After thinking I would lose my place of employment due to the FBCS threats, and calls I was scared for my life. I immediately was forced into giving the FBCS permission for a payment of {$130.00} dollars to be removed from a checking account. As I am already suffering from bad credit, due to multiple inaccuracies reporting. I was forced/ threaten with jail time, and bad credit this situation is unfair as XXXX XXXX FBCS has violated my rights constantly causing deformation of my character Im able to get approval for new lines of credit, and/employment, due to bad credit and the constant harassment. 

Without any acknowledgment XXXX XXXX FBCS is also reporting inaccurate account information, such as payment status, balance due, no balance should be showing due.There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Concert tickets were purchased XXXX XXXX, using a debit card on XX/XX/2022 for an XX/XX/2022 show at XXXX XXXX in XXXX Massachusetts. 

On XX/XX/XXXX an email was received indicating the show was rescheduled. with a date and time of the rescheduled concert. 

XXXX XXXX indicated the wrong time for the rescheduled concert. 

We missed the concert because of this error of time clearly shown in the email XXXX XXXX sent. 

Bank of America claims the dispute should have been filed within 60 days of the purchase. 
Bank of America has issued a temporary credit which they indicate will be reversed because of prior knowledge in these cases. 
XXXX XXXX claims it is responsibility of ticket holder to confirm rescheduled times. 
However XXXX XXXX accepts no responsibility of sending an incorrect time for the rescheduled in an email. 
The full price for tickets should be refunded back to the debit card in amount of {$150.00}

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 2020-02-11
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Attempting to call and make agreed payment and they would not take the payment claiming they had not received a letter back. They refused to allow payment and it is due tomorrow. They are transferring to voicemail and not returning calls. They told me the letter was not received and now I have to pay additional court fees. The payment is due tomorrow and I want to make the payment but they are attempting to prevent this payment from being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX ) by this person from facebook ( XXXX XXXX XXXX XXXXXXXX ). I Deposited money with international money transfers apps ( XXXX XXXX XXXX XXXX XXXX XXXX ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research on the scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account XXXX XXXX XXXX XXXXXXXX  Please help me, what should I do to get my funds back. I have other transactions starting XX/XX/2022.

Company response to consumer: Closed with explanation