BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
name address and account numbers all not mine listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX  XXXX XXXX  XXXX XXXX, VA XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY show tooltip button XXXX  XXXXDispute XXXX   XXXX XXXX  XXXXDispute XXXX  XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan on behalf of XXXX XXXX XXXX OF XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX Auto loan on behalf of XXXX XXXX XXXX OF XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX Auto loan on behalf of XXXX XXXX XXXX OF XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online Soft Inquiries Soft inquiries are usually initiated by others, like companies making promotional offers of credit or your lender conducting peri

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 2021-11-28
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about 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 XXXX XXXX  XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: Recovery Ace Inc
State: CO
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:
was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but have gotten no response and it still remains on XXXX and XXXX. Please help me resolve this issue as it should not have been on my report to begin with. I paid it immediately once i saw it and was told it would be removed and it is effecting my ability to get a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: OneMain Finance Corporation
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX  Dear XXXX XXXX XXXX XXXX XXXX, GA XXXX I, XXXX XXXX, have written this letter to dispute the inquiry reported on my credit file dated XXXX XXXX XXXX by ONEMAIN Financial. I have not authorized a hard pull by this company. that is falsely listed on my credit report. 





I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS, I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: TX
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:
Equifax continues to report these unauthorized, unverified hard inquiries on my credit report. I have called Equifax and sent letters, and they have not responded to these unconfirmed inquiries with certifiable evidence as demonstrated per US Code 15 U.S.C. 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. 

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: Closed with explanation
Consumer complaint received 2020-07-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received my first statement after the due date. Upon receipt, I paid the account in full, however did not call Citbank prior to a second statement being generated. The second statement had late charges for both the first payment due XX/XX/XXXX as well as XX/XX/XXXX. I made no payment on or prior to XX/XX/XXXX as in my mind I had paid the card in full and didn't open the statement until a later date. Once I finally did open the statement, I learned of the charges and contacted Citibank immediately. The initial representative was able to reverse the second set of late charges, but indicated she could not do anything about the initial late charged. I asked who do I need to speak to to have the charged reversed, she indicated a supervisor. Transferred to supervisor, no avail. I further escalated to the another supervisor who indicated she could not do anything either, but would review the call to see if the initial representative misinformed me. 

The supervisor contacted me back and by her own admission indicated that the original representative should have informed me that no supervisor could remove the initial late charge, however because that rep didn't specifically state that they would remove them, there was no error on Citibank 's part. They will not remove the initial late fee which no amounts to approximately 60.8 % of the actual balance that was on the card and paid in full as soon as I received the statement. I was told that if they removed the original late fee, it would demonstrate preferential to me. 

I find Citibank 's lack of willingness to work with me over something that is clearly not my fault ( nor their 's ) appalling. To charge a customer such a fee because mail was delayed is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I had a phone scam and transferred {$890.00} thru XXXX. I reported the fraud immediately to my bank and I received a letter from Bank of America would not reimburse the funds. 
I do not understand why my money isnt protected by the Electronic Fund Transfer Act of 1978. Thank you for any 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 explanation
Consumer complaint received 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Informed on or about XX/XX/XXXX XXXX credit cards were attempted to be opened in my name using my SSN with Bank of America. Notified BoA XX/XX/XXXX of attempted fraud and requested cancellation of cards/accounts. Filed police report for same. 

Contacted via phone BoA a week later for followup, informed either investigation was not opened or was lost, reopened investigation. 

Informed by BoA XX/XX/XXXX that investigation was refused. 

Know my SSN identity was stolen via XXXX breech several years ago. Have filed fraud reports against same.

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 2018-05-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
DISPUTED A BANKRUPCTY WITH EXPERIAN ON XX/XX/XXXX THEY SAID THE RECEIVED MY LETTER DISPUTING MY CLAIM BUT DID NOT RECEIVED MY PROOF OF DOCUMENTS STATING THE THE BANKRUPCTY COURTS TO NOT REPORT TO THE CREDIT AGENCIES AS CONVERSATION WITH A LADY NAME XXXX SO I SENT THE LETTER AGAIN ONXX/XX/XXXX AND EXPERIAN GOT MY LETTER MT SECOND LETTER ON XX/XX/XXXX THAT THE COURTS DO NOT REPORT INFORMATION TO THE CREDIT AGENCIES SO AS IN THE THE FAIR CREDIT ACT THAT THIS HAS TO VERIFIED THREW THE COURTS AND IN THAT CASE THE NO ONE FROM THE COURTS WILL RELEASE THAT INFORMATION TO CREDIT REPORTING AGENCIES THIS IS A THIRD PART WHERE THEY GETTING THIS INFORMATION .ATTACHED ARE MY PROOF FROM THE BANKRUPCTY COURTS SIGNED BT THE COURT CLERK STATING THAT DO NOT REPORT TO CREDIT AGENCIES PERIOD

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 2021-11-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about 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, XXXX XXXX Sections XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: I.C. System, 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:
i xxxx xxxxx am writing about a previous disputed account thats on my credit profile report .That took more that 2 weeks too report that it was disputed.I 've made several attempts to dispute this negative, unverified account by USPS registered mail on XX/XX/2020. I ask that this account be immediately deleted. This erroneous account is hindering my ability to obtain funding, and causing me too pay higher interest rates!!. This violation of the fair credit reporting act ( FRCA ) should be removed forthwith per my request please ... ..

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 2021-11-28
Company: SLM CORPORATION
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Sallie Mae representatives, despite me being current on my loan, have been harassing my mother, her boyfriend, her boyfriend 's parents, and his brother 's in-laws, regarding my status and personal information. Completely unacceptable as I do not even have contact with these people and the latter I never even met. They ask about my personal information, They constantly call all hours of the day, including their at place of employment where they requested that stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to COVID 19, we took forbearance for 3 months and attempted to get on a deferred repayment plan. The company ( New Rez/ Shellpoint mortgage company ) has yet to be forthcoming on in communication if whether the repayment option selected was accepted or not. Constantly rerouted to voicemails and subject to robocalls and letters saying about how much is owed but no human interaction to help me the consumer know whether I'm approved or not. Furthermore I'm getting the feeling that time is being wasted for me to be in the potential of defaulting on my mortgage as it is almost 30 days and no feedback. 

Secondly, they have yet to disclose to me options available for the second property in terms of repayment plan options. I'm still unaware of what options are available to use for repayment and I'm just getting the runaround. I have never received one call as promised by the company during this whole forbearance and COVID period it has been very disappointing and eye-opening. I honestly feel like someone is purposefully trying to get me to default and frame it as I was unwilling or not trying to pay. Lastly, their website to expedite things and fill out additional forms to get faster service has not worked very poor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have checked my credit report and seen unauthorized inquiries. I called transunion and they wouldnt help or remove the unauthorized 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 2021-02-10
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im a double citizen ( XXXX and Usa ). 
I live in XXXX since my birth. 
I know i have some account in NY, NJ and maybe in Florida becouse my father open for/whit them. 
My father is disappear and I need to know where exactly I have these accounts. 
Im not able to creat any account in SSA and Experian ( and similar credit score provider ) becouse the online service doesnt permit me to create nothing becouse I dont have any american address. I live in XXXX. I need to get controll and check my credit account. May you please help me? How can I do to get controll on my financial life? Thank you.

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 2023-06-25
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW 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 explanation
Consumer complaint received 2020-12-04
Company: DISCOVER BANK
State: NY
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:
This dispute was incorrectly resolved twice after the merchant challenged the decision. I have just received the exact same packet rejecting my claim, including the exact same irrelevant documentation from the merchant, as I received in XXXX. Clearly no one read my XXXX letter, and the " review '' I have been waiting months for was a sham. 

The merchants additional documentation proves only that the table was ordered and receivednone of which is in dispute. Their documentation is therefor irrelevant tot he case. 

I ordered a table, received a heavily damaged table and returned it ( as the merchant does not dispute ), received a second heavily damaged table on XX/XX/XXXX, immediately contacted XXXX via the customer service chat, spoke with XXXX who apologized, told me to dispose of the table ( which had very sharp broken edges ), and told me I would receive not only a refund but also additional credit because I had ordered the table special for a family barbecue ( now missed ), and because I have been a very good XXXX customer since 2005. That same day, he sent me an email confirming the refund, which I have uploaded. As I also demonstrated on Discovers chat, the emails metadata links to my XXXX account. 

I did not return the table because XXXX Customer Service told me not to. The email from XXXX Customer Service, stating that I am receiving a refund, is attached and I believe represents a binding contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: LEXISNEXIS
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Wanted two birth certificates from vital Chek in XX/XX/2020 paid {$67.00} and never received the documents.Since the documents were urgently needed, I ordered them again in XX/XX/2020 this time I paid $ XXXX no documents and no refund from payment in XXXX and XXXXContacting vital Chek via phone or email is a waste of time ( no answer )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted the Credit Bureaus/Agencies XXXX XXXX XXXX TransUnion, XXXX ) and the Creditor ( Bankruptcy Chapter XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the bankruptcy is fraudulent and that I'm a victim of identity theft. In return to tell me that this bankruptcy was verified and/or belonged to me via XXXX or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

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