BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
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: Investigation took more than 30 days

Complaint:
I sent a letter to the credit bureaus on XX/XX/XXXX, asking them to investigate errors on my credit report. All three were supposed to respond within 30 days, but I have only received a response from XXXX 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 2023-03-08
Company: SUNCOAST CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit card in the mail for an account I never opened with Suncoast Credit Union in XXXX Florida. I have had all three of my credit agency reports frozen for some time and a fraud alert active until XX/XX/2023. When the consumer help person said that she couldn't help me because my mother 's maiden name really wasn't my mother 's maiden name, I become somewhat annoyed. I finally spoke to another individual who informed me that an ID package would be Emailed to me. My question is " How did someone manage to open an account in my name when all of my credit agency reports were frozen and I have a fraud alert in place? They couldn't answer that question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Credit Corp Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notice of a Collection on my XXXX  Credit Report from Credit Corp Solutions in 2016. I never received any contact from this company notifying me of the debt or that they were going to place this on my Credit Report. In addition, it is factually incorrect. Therefore, I disputed the debt online with XXXX the debt and I asked that I be provided with a Signed Contract and Verification and Validation of the Debt. I received nothing from either Credit Corp Solutions or XXXX, online or in the mail, simply a statement on my Credit Report saying that Credit Corp claims it is correct without providing any proof. I want to see a Signed Contract and receive Verification and Validation of this Debt, or have it removed from my XXXX   Credit Report. I am XXXX years old, my only source of income is Social Security XXXX for XXXX XXXX and other Health Issues and this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, I have sent in excess of 4 certified letters and submitted several online disputes requesting that the credit reporting agency present validation of the bankruptcy listed on my report. Over the last 2+ years I have not received the requested information. My request is valid according to the FCRA and I should have received the requested documentation by this point. My credit report is continuously updated with the statement that the bankruptcy has been verified. 

The agency also has not provided the method of verification in accordance with Section 611 ( a ) ( 7 ) of the FCRA. XXXX is prohibited from reporting information concerning my file, so the agency could not have verified the bankruptcy this way. I have also attached documentation from the court that indicates they do not provide information to credit reporting agencies, so I am further befuddled as to the methodology employed to validate the bankruptcy. 

If this negative item is not removed I will be filing suit pursuant to Sections 616 and 617 of the FCRA to pursue remedy for the effects of this adverse reporting.

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 2023-01-28
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous request & I am including it again 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: EQUIFAX, INC.
State: MN
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:
A XXXX XXXX credit card account was opened in my name in XXXX. In XXXX wells fargo closed the account without my prior knowledge. I was unaware of any remaining balance. Since they closed this account in XXXX, they have been continuously reporting late payments each month to the credit bureau. I recently checked my credit report and have noticed 40+ late payment notifications on a closed account!!! It has damaged my credit very badly. I had no prior knowledge of these late payments that were reporting to my account each month for the past 4-5 years. I have filed a dispute with XXXX, Equifax and XXXX and they have failed to remove this from my credit report. I am making a formal complaint with XXXX, Equifax and XXXX for failing to due there due diligence to respond to me and correct my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in XX/XX/XXXX i wrote to all three credit burueas and explained that national credit systems was responsible to report 100 % accuatre information to the credit aggancys and the did not so XXXX removed it XXXX  and XXXX   have not so i sent and email to XXXX XXXX XXXX to see if they would remove the inaccurate amount i was told they had 30 days but it is well over the 30 days account number XXXX and i did not have a written contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX .... Balance : {$6600.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXXXXXX .... Balance : - THE XXXX XXXX XXXX XXXX XXXX XXXX  Balance : -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: EQUIFAX, INC.
State: TN
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:
Equifax and XXXX are continuing to report past due payments that are too old to be reported. The continue to past due payments for student loans that are older than 7 years. Per the Fair credit report act, Remove negative information seven years after the date of first delinquency. This is not being done. Equifax and XXXX are continuing to report past due payments for several close XXXX XXXX accounts that are older than seven years. I have disputed this multiple times yet Equifax and XXXX continue to report out of date past due payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
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: Public record information inaccurate

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, I have sent in excess of 4 certified letters and submitted several online disputes requesting that the credit reporting agency present validation of the bankruptcy listed on my report. Over the last 2+ years I have not received the requested information. My request is valid according to the FCRA and I should have received the requested documentation by this point. My credit report is continuously updated with the statement that the bankruptcy has been verified. 

The agency also has not provided the method of verification in accordance with Section 611 XXXX a ) ( 7 ) of the FCRA. XXXX is prohibited from reporting information concerning my file, so the agency could not have verified the bankruptcy this way. I have also attached documentation from the court that indicates they do not provide information to credit reporting agencies, so I am further befuddled as to the methodology employed to validate the bankruptcy. 

If this negative item is not removed I will be filing suit pursuant to Sections 616 and 617 of the FCRA to pursue remedy for the effects of this adverse reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I'm a American Express SPG card holder and am writing to report about American Express 's false advertising for their credit card products. As a XXXX SPG card holder with card # ends in XXXX, I received an invitation while I was logged into my online account to add additional cards to my SPG card. Per the terms and condition, after each card spend {$1000.00}, I would earn XXXX  star points for each additional card. As a result of their advertisement, I added 4 additional cards on XX/XX/XXXX expecting to receive XXXX star points in total after meetings spending requirements by XX/XX/XXXX. To my disappointment, so far I have only received XXXX  Starpoints and the rest of XXXX  Starpoints are still missing. Per my contact with American Express since XX/XX/XXXX, not only do they fail to explain why they haven't fulfilled their advertising terms, but they also refused to give me a clear timeline when the points will be deposited. I think this constitutes false and misleading advertisement because I added the additional cards and made extra spending purely for the sake of the advertisement, had I known that American Express would not fulfill the advertising terms, I wouldn't added the additional cards in the first place. I would like to see XXXX   star points deposited to my account asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-23
Company: Experian Information Solutions Inc.
State: WV
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:
In XXXX I purchase a used XXXX XXXX XXXX. XX/XX/XXXX I was involved in a vehicle accident which totaled the car. My car loan was through XXXX XXXX. Once I could I made a payment plan on the vehicle through them and paid off what my insurance couldn't cover. The insurance made two payments one for XXXX and another for XXXX then my payment plan started XX/XX/XXXX for XXXX  a month. On XX/XX/XXXX I made my last payment of XXXX that payment wasn't due until XX/XX/XXXX and they are trying to say it was charged off so it is hurting my credit score dramatically and if this isn't resolved I've contacted my lawyer to file a law suit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: NC
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:
Verify that this account belongs to my person : XXXX XXXX XXXX Account number - XXXX. Remove address from my person 's profile. I've never lived at this address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

Please follow the law, see 15 U.S.C 1681c. ( a ) ( 5 ) ; 15 U.S.C. 1681s-2 ( A ) ( 1 ) ; 15 U.S.C 1681c. ( a ) ( 5 ). If you are unable to verify/validate account, delete 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
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: OH
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 previously submitted an FTC and Police report about accounts on my credit reports that do not belong to me.. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is missing my middle initial and there are alias names that need to be deleted now and 2 previous addresses I never used those names and never lived there as well see attachment letter to explain

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a certified mail return receipt the company failed to insert a date on the returned receipt and also failed to complete the credit disclosure showing the date the debt was charged off. I asked if the debt was assigned or purchased from a previous creditor and if so how much was paid for the assignment or purchase. I also requested so see the terms of the assignment. To date the collector has failed to provide this information. They have yet to validate the debt according to the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: TX
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:
MyEquifax will not let me log in, even after changing my password through their online password recovery workflow. The newly set password will not work on the login page and I am not told that the account is locked, so I assume it is not.

In addition, on the password recovery ( reset ) page, the social security field remembers past entries which is a massive security issue. This feature should be disabled for this field! ( Obviously I've had this issue with the page in the past and never got a resolution )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5300.00}, {$0.00}, {$5800.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account. 

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

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 


-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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


-- PERSONAL LOAN 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation