BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Transunion at XXXX on XX/XX/XXXX and Spoke with US Representative named XXXX. I phoned Transunion because between XX/XX/XXXX and XX/XX/XXXX and again between XX/XX/XXXX and XX/XX/XXXX TransUnion experienced a database computer glitch. When the glitch occurred it caused my inquires to be deleted from my report. The glitch was TransUnion 's problem, not mine. Later when checking my credit I noticed TransUnion illegally reinserted all of the inquires back onto my credit report without giving me the legally required written notice within five days prior to them reinserting the inquires. I contacted TransUnion in good faith and requested they delete the inquiries that had illegally been reinserted without proper written notification and in violation of FCRA. Not only did XXXX refuse to delete or even investigate, he instructed me to contact the creditors directly and have them write me an inquiry removal letter and then send it the TransUnion. The inquiries that have been illegally readded has caused a hardship and is making it difficult for me to get a pre approval for a home loan. My rights have been violated byTransUnion. Im filing this claim to beg for your help, please make TransUnion stop victimizing me and others.

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 2021-06-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have made several attempts to get an unvalidated bankruptcy removed. Several attempts have been made over the past 6 months to get full validation of who, when, and where the bankruptcy was confirmed by. After doing an investigation myself, the United States bankruptcy court does not do any business let alone report to credit bureaus. There is a security freeze on my XXXX data minor file that has been there for quite some time so who received the validation from those two companies?

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 2021-06-11
Company: Experian Information Solutions Inc.
State: LA
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:
Experian lists my open accounts, balances, and credit limits on their website and shows a total balance due of {$140.00}, or 6 % utilization. This 6 % is repeated several times and is called " low '' and " ideal. '' Credit utilization is 30 % of my FICO XXXX Score. 

25 % of my score is in the " Very Good '' range. 45 % is in the " Good '' range. But my FICO Score is only " Fair '' -- and XXXX points away from " Good '' -- because Experian computes my score, not with the " Ideal '' 6 % utilization they show me, but with a " Fair '' 62 % utilization that isn't explained. 

I've made several calls asking why 62 % utilization is used to compute my score, when 6 % is on my report. I've been referred, repeatedly, to the Experian dispute site. No one has offered an explanation as to why my score is computed with 62 % utilization rather than the 6 % usage shown.

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 2020-04-24
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been notified by my mortgage broker of multiple accounts that are harming my credit. After carefully reviewing the accounts I have come to the conclusion that I have been a victim of identity theft. I have always heard of these horror stories and never thought it can happen to me until now. This is a complete nightmare because who knows what else these people have done with my information and it is just nerve wrecking. Please tell me what I need to do to get this stuff corrected and cleared so I can get my life back. Thank you very much in advance.

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 2022-04-06
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: Account status incorrect

Complaint:
XXXX XXXX was sent several documents including their copy of the 1099a for the total unpaid balance on or around XXXX/XXXX/21. Even after that payment I was sent an email confirming they received the tender of payment and documents and proceeded to try to induce me into a fraud by asking for a check. They went on to say that they would continue to take the payements out of my linked checking account until they received the payoff payment amount as promised. I responded to their email and I have yet to receive a response back. Under duress, I wrote XXXX XXXX a check, Paid to the Order of the United States Treasury. It wa n't until then that XXXX XXXX sent me an email stating that the balance was paid in full. Soon after my consumer report was updated with an ontime payment, and the following month the report stated that the balance was paid in full. I just recently checked my credit report and XXXX has furnished a negative remark on my consumer report in the form of a late payment without my consent. Additionally, no one from this company has reached out to me personally before accessing my personal consumer report which is identity theft. XXXX XXXX is committing fraud by trying to force me to pay off the loan in federal reserve notes when federal law states that federal reserve notes is simply a promise to pay. Therefore it is my right to tender commercial paper as payment, and credit their institution as well as it is my right to provide them with a receipt to show goods have been received. Both of which was done in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX was sent several documents including their copy of the 1099a for the total unpaid balance on or around XX/XX/21. Even after that payment I was sent an email confirming they received the tender of payment and documents and proceeded to try to induce me into a fraud by asking for a check. They went on to say that they would continue to take the payements out of my linked checking account until they received the payoff payment amount as promised. I responded to their email and I have yet to receive a response back. Under duress, I wrote XXXX XXXX a check, Paid to the Order of the United States Treasury. It wa n't until then that XXXX XXXX sent me an email stating that the balance was paid in full. Soon after my consumer report was updated with an ontime payment, and the following month the report stated that the balance was paid in full. I just recently checked my credit report and XXXX has furnished a negative remark on my consumer report in the form of a late payment without my consent. Additionally, no one from this company has reached out to me personally before accessing my personal consumer report which is identity theft. XXXX XXXX is committing fraud by trying to force me to pay off the loan in federal reserve notes when federal law states that federal reserve notes is simply a promise to pay. Therefore it is my right to tender commercial paper as payment, and credit their institution as well as it is my right to provide them with a receipt to show goods have been received. Both of which was done in 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 2017-10-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I took out private and federal loans for XXXX XXXX XXXX in XX/XX/XXXX. The school was located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. I attended that school for 2 years graduating in XX/XX/XXXX. I obtained a XXXX in XXXX XXXX XXXX Learning that in XX/XX/XXXX XXXX XXXX schools closed all over the country questions my degree 's integrity and merit. I am in the process of payments for these loans that have only grown because of interest. My debt has grown. My federal and private loans are about 40000 in total. I originally took out this loan to further my education. XXXX XXXX XXXX does n't exist anymore but my debt is still very real.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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 status incorrect

Complaint:
XXXX XXXX was sent several documents including their copy of the 1099a for the total unpaid balance on or around XXXX/XXXX/21. Even after that payment I was sent an email confirming they received the tender of payment and documents and proceeded to try to induce me into a fraud by asking for a check. They went on to say that they would continue to take the payements out of my linked checking account until they received the payoff payment amount as promised. I responded to their email and I have yet to receive a response back. Under duress, I wrote XXXX XXXX a check, Paid to the Order of the United States Treasury. It wa n't until then that XXXX XXXX sent me an email stating that the balance was paid in full. Soon after my consumer report was updated with an ontime payment, and the following month the report stated that the balance was paid in full. I just recently checked my credit report and XXXX has furnished a negative remark on my consumer report in the form of a late payment without my consent. Additionally, no one from this company has reached out to me personally before accessing my personal consumer report which is identity theft. XXXX XXXX is committing fraud by trying to force me to pay off the loan in federal reserve notes when federal law states that federal reserve notes is simply a promise to pay. Therefore it is my right to tender commercial paper as payment, and credit their institution as well as it is my right to provide them with a receipt to show goods have been received. Both of which was done in 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 explanation
Consumer complaint received 2021-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, a series of fraudulent charges hit my Capital One XXXX XXXX XXXX in the amount of {$3400.00} from two companies : XXXX and XXXX. I immediately disputed these claims with Capital One and they refunded the full amount by the next day. However, after further investigation Capital One decided that they would only refund {$900.00} of the claim which was from XXXX. The remaining {$2500.00} from XXXX was deemed legitimate from Capital One. I asked to be provided with documentation in which Capital One did stating that the XXXX addresses matched my email. I then submitted an escalation which Capital One did not even seem to review. The escalation included a police report number and my work with the local authorities on the matter. I called back once again and Capital One said there was nothing more they could do. At this point, I am at a loss because I can not afford to pay back the {$2500.00} that was fraudulently taken from my account and the Capital One Fraud Department has been less than helpful with any remedies I can further take. They simply say " we are not going to pursue this any further. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Iam a victim of identity theft I have submitted multiple identity alerts with all three credit bureaus with multiple police reports on accounts being open with my full identity and the credit bureaus have not showed they done a full investigation into these accounts to show that these are valid accounts that was open by 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 explanation
Consumer complaint received 2019-07-08
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: Information belongs to someone else

Complaint:
Im reaching out because there are still items on my credit that are still mind. I have reached out to the FTC and my local police department and I am doing this on my own behalf and Its crazy because I cant even help my mom get a car because of this. Please can someone help me with these things XXXX XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXXXXXX XXXX Acct XXXX, XXXX, XXXX Acct XXXX and XXXX XXXX XXXX Acct XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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:
there are Fruadulent inquireies on my account when i call i get transfered around when i tell them i have an FTC report and Police report they do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a call from a " debt collector '' about a loan in the amount of XXXX When I attempted to gather more information from the agent he because aggressive and started threatening me with jail time and named off 4-5 different charges they were going to file if I didn't pay. I tried to explain I had no knowledge of the loan in question and needed more information. XXXX ( agents name ) then yelled into the phone for me to sign a deposition and they'll see me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 previously disputed these account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account, Here are the accounts that I'm talking about : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account XXXX : XXXX, XXXX Account 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 2021-04-26
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello I have XXXX dollars investment in my cash app account and I cant get it back because I can't verify my identity. 

I need to verify my identity with state ID and SSN but I can't because I'm not American and I don't have SSN or state ID. 
I already try to speak with cash app support and then told me this is the only way to verify your identity right now what I need to do???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a capital one student credit card and it was lost then used and the person ran my bill up and maxed it. I tried telling them ( capital one ) this and they just said I needed to pay it back. I shouldnt have to pay it back if I didnt use it and theft occurred and now I cant get any more credit cards and my credit score is a mess. This happened around the summer of XX/XX/2017. The cards maximum was {$300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-27
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX has committed fraud on my XXXX XXXX account that I paid in full, {$320.00} before the due date XX/XX/XXXX ( see account statements attached ). 

XXXX XXXX staff did not process my payment until XX/XX/XXXX forcing a late fee and interest charges. 

XXXX XXXX continues to assess late fees and interest charges on my account even today! 

My XXXX XXXX billing statements arrive on our about the XX/XX/XXXX of the month, and my payments are mailed by the XX/XX/XXXX of the month. No way are my payments late unless XXXX XXXX decides no to process the payment and therefore committing fraud by assessing late fees and interest to customer accounts! 

XXXX XXXX has wonderful merchandise but the credit card company, XXXX XXXX, continues to commit fraud against customers, me! My credit scores are being affected by the fraud committed by XXXX XXXX! I want XXXX to reverse the late fee ( s ), interest charges, then, send to me a statement with a XXXX balance on it by XX/XX/XXXX. 

XXXX XXXX is relentless! Please stop them! 

Here is a contact person for XXXX XXXX ( i.e., Attn : XXXX XXXX ) at XXXX. XXXX XXXX, XXXX, Ohio XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-11
Company: EQUIFAX, 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:
I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO REMOVE THE FOLLOWING NEGATIVE ITEMS WHICH HAVE BEEN DIMINISHING THE OVERALL HEALTH OF MY CREDIT. THERE HAS BEEN NO ACTION TAKEN IN RESPONSE TO ALL THE PREVIOUS DISPUTES I HAVE SUBMITTED, SINCE XX/XX/2020 .... IN ORDER TO REMOVE THE LATE PAYMENTS FROM XXXX XXXX. THERE'S AN ACCOUNT BEING REPORTED WITH XXXX, AND NOT EQUIFAX NOR XX/XX/XXXX. WHY IS THIS NOT BEING RESOLVED? TOO MANY ATTEMPTS WITH THE BUREAUS, AND ONCE AGAIN ... NOTHING HAS BEEN DONE AT ALL. FOR YEARS, I HAVE BEEN POINTING OUT THE INACCURACIES, THE INCONSISTENT, INCOMPLETE DATA REPORTED BY THE BUREAUS. PER THE FCRA, AS A CONSUMER I HAVE EVERY RIGHT TO CHALLENGE THE FALSE INFORMATION THAT IS REFLECTING. THERE IS NO DEBT, NO DELAY IN MY PAYMENTS, AND I HAVE BEEN VERY PERSISTENT IN GETTING THE NEGATIVE INFORMATION RULED OUT COMPLETELY. PLEASE DO NOT HESITATE TO ASSIST ME WITH THIS MATTER, I NEED TO RECTIFY THIS INFORMATION IMMEDIATELY AND BANISH THE NEGATIVE HISTORY ON THE ACCOUNT. I HAVE EXCEEDED THE VOLUME OF STRESS AND DISCOMFORT REGARDING THIS ISSUE. PLEASE REMOVE THE DEROGATORY INFORMATION AS SOON AS POSSIBLE. I GREATLY APPRECIATE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation