BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2019 I mailed a certified letter to Transunion disputing a number of unverified items accounts listed on my credit report. I received notice that Transunion received this letter on XX/XX/2019. Transunion responded to my dispute on XX/XX/2019 to all the accounts listed, but failed to provide a result on the XXXX XXXX account. It is now XX/XX/2019 and I have not received a response regarding the investigation of the 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 non-monetary relief
Consumer complaint received 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion has failed to provide me the documents their company used to provide verification of the accounts I disputed. They have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information that can not be verified that I have disputed. Thank you in advance for resolving this matter as soon as possible

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 2022-08-05
Company: Chime Financial Inc
State: MA
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:
The past 3 hits or more on my account have been from a workers credit union account I have co-signed with my father. He has been paying it and has also filed a petition to remove it from his credit report as well because it says the account is delinquent when it has not been in the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
State: NV
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:
All outstanding debt for XXXX was paid in full at the time of closing my account with them. I never received any collection attempts or bills for this debt from XXXX after closing the account. Upon inquiring about the collection directly with XXXX they were not able to produce a bill or explanation for how the debt was accrued. I have yet to receive a formal response from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
All outstanding debt for XXXX was paid in full at the time of closing my account with them. I never received any collection attempts or bills for this debt from XXXX after closing the account. Upon inquiring about the collection directly with XXXX they were not able to produce a bill or explanation for how the debt was accrued. I have yet to receive a formal response from the collection agency.

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 2019-02-19
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian does not show account # XXXX XXXX XXXX XXXX on my credit report and I have had this account for several years. In which there is no balance at this time. I have also attach a copy of my last billing statement for XXXX XXXX Bank

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 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXXInaccurate XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.

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 2019-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I HAVE ASKED CAPITAL ONE ON SEVERAL OCCASIONS TO REMOVE THE LATE PAYMENTS FROM MY FOUR ACCOUNT WHICH OCCURRED XXXX-XXXX XXXX AND XX/XX/XXXX DUE TO ILLNESS AND BEING ON XXXX AT THE TIME THE LATE PAYMENTS OCCURRED. CAPITAL ONE HAS NOT BE FORTHCOMING WITH REMOVING THE LATE PAYMENTS EVEN WHEN I SUBMITTED TO THEM COPIES FROM THE XXXX OFFICE AND DOCTOR CONFIRMING MY XXXX AT THAT TIME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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 am not swayed that EXPERIAN has investigated the following accounts below properly. Their investigation about these accounts were totally incorrect. I am not seeing the reliable of the results if so ever they really conducted any investigation. I believe they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both Experian and the creditors. Make sure to explain the outcome of your investigation about these accounts : XXXX  XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$9200.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$5200.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00} ;

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 explanation
Consumer complaint received 2017-07-06
Company: Experian Information Solutions 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:
Dear CFPB, I am writing this complaint based on the information in my credit files reported by three credit reporting agencies.
I have written to these agencies disputing credibility of the debts alleged in my files.
However, the credit reporting agency have ignored my request for the removal of this files stating that they have verified the authenticity of the debts.
I am frustrated at this point because I dont have any other cause of action and I hope you can help me here.
In XX/XX/XXXX I rented two bedroom apartment from XXXX XXXX XXXX XXXX apartment now re-branded as XXXX XXXX XXXX XXXX on six months contracts. I therefore, Paid 2month rents in advance starting fromXX/XX/XXXX throughXX/XX/XXXX. In my original contract, rent is due on the XXXX through the XXXX of every months. Having paid the two months rents in advance I have not put furniture in the room. I bought several items including windows curtains, refinishing the bathroom at my expenses. On XX/XX/XXXX u
pon my return from XXXX Georgia, my apartment was rented to another tenant, and the lock was changed. I therefore went to the office for clarification and answered, it was then I was told that they inspected the apartment because there was no furniture in the apartment they presumed that I have abandoned the apartment.
I cant stomach the situation, it was then they told me that they have another room for me. I disagreement with that arrangement and told them that I will move on to look for another apartment somewhere, it was then they threaten to report it to credit reporting agencies.
Because I was out of the country I couldnt pursued legal action, and having repeated written to credit agencies to remove the files and they ignored I have no further remedy and I hope you can help me here. XXXX XXXX XXXX seem to have purchase the debt without been told the root of this deceptive and fraudulent debt reporting.
I dont understand what constitute a {$3000.00} and {$1000.00} alleged debt reported in my credit files.
<P/>
Please I need it removed immediately.
Thanks

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 2022-04-28
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: Reporting company used your report improperly

Complaint:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, 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:
XXXX  reporter a debt that is not mine. I never lived at the property reported during the time reported

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am writing to complain about the online credit service known as PayPal.com. For the last six months, PayPal has been ( 1 ) billing me for fraudulent transactions and ( 2 ) providing the credit bureaus with false information about my balances in violation of the Fair Credit Reporting Act. I have contacted PayPal customer service by phone on several occasions to dispute these fraudulent transactions. I disputed on XX/XX/2019 an amount of {$100.00} with PayPal customer service agent named XXXX and I disputed on XX/XX/2019 an amount of {$490.00} with PayPal customer service agent named XXXX. According to the terms of service, PayPal was supposed to investigate the disputed amounts and provide a response within 60 days. PayPal however have failed to provide any response to my disputes and continue to bill me for the disputed fraudulent transactions and charge me for interest while reporting these false transactions to the credit bureaus.

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 2020-02-24
Company: Experian Information Solutions Inc.
State: NV
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 closed my account with XXXX XXXX which was paid in full at the time of closing the account. The account was opened in XX/XX/2017 and closed roughly 18 months later. I spoke with multiple representatives at XXXX to ask them why I received a collection call for a past due bill and their responses were there is no bill in my name. This is now in collections for {$540.00}.

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 2019-02-19
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: Their investigation did not fix an error on your report

Complaint:
I had a disputed issue and it was removed from my credit report. 
Before the problem arise I had a perfect credit score. Once they reported the disputed issue to my credit, my credit score has been decreased by 30-40 points. 
Since the issue has been deleted from my report, I think it is fair to get back my original credit score. ( The score I had before the disputed issue ) I haven't got back my points which I used to have before the  disputed issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: E*TRADE BANK
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received checks in the mail from E trade financial.I do not have or never had any type of account with them.Hackers? What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
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:
I 've mailed Equifax validation letters for them to validate the information Equifax yet has provided me with anything. I 've called Equifax to to discuss the matter as Equifax has not did anything. There are accounts that were disputed and closed on all three credit reports and Equifax had not deleted the accounts. The collection agencies have closed the accounts. There are accounts that were closed in XX/XX/XXXX up until now Equifax has not deleted and updated the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX 2017 I went to the BB & T bank in person to open a savings account. I sat down with a XXXX XXXX filled out all the necessary paperwork and provided all my personal information including my social security number, an account was placed and set up in my name XXXX XXXX XXXX, the total amount of my deposit was {$30.00} dollars, I explained to the XXXX XXXX that the XXXX dollars was valuable to me especially a {$5.00} bill that had three XXXX in it, I had saved that {$5.00} for approximately one year while being homeless. Also the other {$25.00} dollars was given to me from my daughter who I had been separated from for approximately 12 years wit only 2 small visits and was reunited with her in XX/XX/XXXXas you can see it is clear that I wanted this deposited money to be protected and safe in a account, no matter how small the amount.. I left the bank happy with an account. A few days later I went to make a small deposit at the drive through window and was told that the account was frozen and that I could n't make any deposits, to call a number ... a few days later I received a letter from BB & T stating that my name was in XXXX XXXX and that the bank has closed my account. My account has been closed with no check for my valuable {$30.00} dollars ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
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 is missing that should be on the report

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE 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 non-monetary relief
Consumer complaint received 2020-02-24
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$980.00} on the XXXX  XXXX partial account number XXXXXXXX. ( Please see page attached from my credit report. ) I spoke with a representative from XXXX XXXX and had an agreement for a payment plan on this account. I made every scheduled payment required. I never received any notification and/or communication from XXXX XXXX that this account was not in good standing. I only recently discovered this account is reporting as a charge-off when I obtained a copy of my credit report. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Laid off due to COVID 19. Company refused to work with me and reposessed my vehicle in the middle of a pandemic. Unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am unable to login to the Citibank website to check my credit card balance, make payments, or manage the card at all. 

I have had a Citibank credit card for about 5 years. This past winter, in 2019, I opened a checking account with Citibank. I had so many problems opening the account, getting the debit card, registering for online banking, funding the account, that I close the checking account within 2 weeks of opening. 

This morning I received an email stating that my checking account was ready to use ( despite being closed in XX/XX/2019 ). I went to login to my Citibank account which is still used for my credit card, and the website said I needed to reset my password. When I went to reset my password I was told my account was locked. 

I first went to physical branch who told me they could not help me but that I did not have an open checking account. 

I then called the number on the back of my credit card. I was told that in order to unlock my account, I needed to provide my debit card number or account number of my checking account. The checking account has been closed for months and did not ever receive funding because of all the problems. I told Citibank that I did not have this information. The representative told me to call back when I do ( this is not an acceptable resolution ). 

At one point I was told to " reregister '' the card online. I tried to do this but the website said that the card was linked to another online account ( the locked 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
Consumer complaint received 2019-08-07
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have had my car loan done XXXX of 2017. XXXX and XXXX I was reported 30 to 60 days late for a returned payment that I was unaware of from my bank Sandtander the loan company that financed my car didnt once inform me until I called in about a warranty question right now I am on time I already have a 23 percent but they wont remove the late payment

Company response to consumer: Closed with explanation