BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have American Express XXXX XXXX XXXX credit card and American Express XXXX XXXX   Surpass credit card. I got an promotion offer from American Express on both of the cards to add authorized cardmembers to my account and earn points. The offer details are : XXXX  card : earn XXXX bonus XXXX for each of the first four new Additional Card Members that spend {$1000.00} or more on the card, up to XXXX points in total. XXXX card : earn XXXX bonus XXXX XXXX points for each of the first four new Additional Card Members that spend {$1000.00} or more on the card, up to XXXX points in total. 

I added 4 additional card members to both of my XXXX and XXXX card back in XX/XX/2017, and all of them completed the spending requirements. But till now, I only got XXXX bonus XXXX, and XXXX bonus XXXX points. I should be getting XXXX more Starpoints and XXXX more XXXX XXXX points from this promotion offer. 

I have called American Express multiple times ( 10+ times ) and every time the customer service told me that I should get those bonus points in 2 weeks, in 6 weeks, or a supervisor will call me to resolve the issue. But it's been 6 months now, and I still haven't got the bonus points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27
Company: Experian Information Solutions Inc.
State: OH
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 a few issues on my credit file my name is XXXX XXXX XXXX, please delete the other variation of my name my name is listed wrong please correct. The following addresses are not mine please remove : XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX I have some unverified accounts that I have never done business with these companies : XXXX XXXX  # XXXX, OHIO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX a # XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.

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 2020-05-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX claims to use XXXX XXXXXXXX as their debt collectors, but I have been repetitively harassed by 'XXXX XXXX ' at First Financial for months. She has now threatened to lower my credit score if I don't pay money I do not owe. I have the paper trail from  XXXX to prove it. My gap insurance was not handled correctly by XXXX XXXX. XXXX has provided updated EOB 's showing I only owe {$60.00} copay XX/XX/XXXX ( it is XX/XX/XXXX now ). The billing department at XXXX seems unaware of First Financial. I don't know how First Financial would know what XXXX originally said I owed without them interacting, but I know someone must be lying to me and I am being threatened financially due to this negligence. I am attaching the EOB from XXXX proving I just need to pay the copay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
State: WY
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:
In XX/XX/XXXX, Experian accepted an unvalidated debt from a company called XXXX XXXX XXXX. The debt was discharged in my chapter XXXX bankruptcy in XX/XX/XXXX. After a dispute I filed in XX/XX/XXXX, Experian removed it from my credit report. 60 days later in XX/XX/XXXX, XXXX XXXX reported it to all three credit agencies again. XXXX and XXXX removed it immediately due to past investigation. For a second time, Experian allowed it. I disputed it again. Experian just concluded that investigation. They did not remove it this time and did not provide me with a reason. This has caused me severe problems with my credit. I have a nearly perfect score with 2/3 of the credit agencies. I can't understand why Experian has reinserted a unvalidated deb that was removed 60 days before. I work for a bank, and this issue may effect my continued employment. The mortgage company will not answer my inquiries. Both companies have my discharge on record with specifics on debts that were included. The debt in question is highlighted in the judgement over 10 years ago I will add. Can you please help 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 2021-02-23
Company: ROBINHOOD MARKETS INC.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Im trying to Withdraw my Funds From Robinhood and It keeps saying withdraws disabled and Im unable to withdraw using my debit card I reached out to them for help several times with no help I just want to withdraw my money and close my account XX/XX/XXXX {$300.00} from my bank account to RobinHood then they told me I needed to deposit another {$49.00} dollars to have access to instant deposits and stuff so I then deposited {$60.00} on XX/XX/XXXX of XXXX and still cant use or withdraw the money I have a positive account balance of {$360.00} dollars just held hostage please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX  ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 FILED AN FTC REPORT FOR AN XXXX TIME. i HAVE INQUIIRES LISTED THAT DO NOT BELONG TO ME AND AN ACCOUNT LISTED ON XXXX. ALSO TRANSUNION HAS AN INCORRECT DATE OF BIRTH FOR 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 2019-03-12
Company: COOLEY ENTERPRISES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Dealership did not sell vehicle for amount advertised on their website. I purchased a XXXX XXXX XXXX on XX/XX/XXXX for a total due of {$31000.00} which includes sales tax and title/registration fees. The Cash price of the vehicle listed is {$24000.00}. On XX/XX/XXXX, on the Clay Cooley website, the vehicle they sold me with the same VIN # is listed as {$17000.00}. I texted the sales rep XXXX XXXX XXXX about the discrepancy on XX/XX/XXXX and ask why the price had gone up by approximately {$7000.00}. He contacted me by phone on Monday XX/XX/XXXX and said that the advertised price on their website was a typo. He said they had a meeting about it and that the result of their investigation is that the amount on the website was a " typo ''. No other explanation given

Company response to consumer: Untimely response
Consumer complaint received 2020-09-05
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: Personal information incorrect

Complaint:
I'M HAVING PROBLEMS GETTING THE CREDIT BUREAUS TO UPDATE AND CORRECT MY CURRENT ADDRESS AND REMOVING ADDRESSES THAT ARE LINKED TO MY IDENTITY THEFT CASE.

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 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Problem getting your free annual credit report

Complaint:
Because of the breach to credit information, I tried to get a free credit report from all three major consumer reporting companies ( XXXX, XXXX, and TransUnion ), none would give me a report after filling out the pertinent information. I was prompted to have it mailed, this is not the time to wait to have credit reports mailed. This is clearly an emergency and needs to be addressed immediately. I can go ahead and freeze all accounts ; however, I will not have an opportunity to verify that everything is correct on my credit report. This is unacceptable.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: FL
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent in a dispute for inaccurate information reporting on my TransUnion Credit report, and a follow up request about the dispute on XX/XX/XXXX for the follow accounts US Dept Ed this - This is a duplicate account reporting over 12 times XXXX - This accounts is being reported with the same information on different accounts They have failed to respond to the dispute within 30 days. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau with no record of them even marking the account as disputed. 

-attached has the letters I sent, with confirmation receipts, and report pulled from XX/XX/XXXX and 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 explanation
Consumer complaint received 2020-11-21
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 have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I never paid the following accounts late, XXXX XXXX : TransUnion is reporting a payment status of Current but then reporting a late payment of 30 days late in XX/XX/XXXX, XXXX is not reporting this account, XXXX is not reporting this account, XXXX XXXX : TransUnion is reporting a payment status of Late 120 Days then reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX and 120 days late in XXXX through XX/XX/XXXX, XXXX is not reporting this account, XXXX is not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a past due balance of {$1000.00}, XXXX is reporting an opened date of XX/XX/XXXX with past due balance of {$480.00} and XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$680.00}, XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is not reporting this account and XXXX  is reporting an opened date of XX/XX/XXXX with a past due balance of {$430.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 submitted letters to all 3 credit bureaus to have inquiries removed, as I did not authorize/nor did I know of these inquiries. I received a letter back from XXXX stating that they inquiries were factual, while on TransUnion they removed at least one, and I looked up XXXX and stated that they were factual as well, but none provided proof as I asked because I know there is no proof. The Inquiries that should be removed are as follows : XXXX : 1. XXXX XXXX XXXX XXXX, INQUIRY DATES XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX  XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX XXXX : 1. XXXX XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 4. XXXX  XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 5. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 6. XXXX, INQUIRY DATE XXXX/XXXX/XXXX TransUnion : 1. XXXX XXXX, INQUIRY DATES XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX, INQUIRY DATE XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 4. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 5. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 6. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 7. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 8. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 9. XXXX, INQUIRY DATE XXXX/XXXX/XXXX Thank you for any help that you can provide.

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 2020-11-21
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: UT
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: Card was charged for something you did not purchase with the card

Complaint:
My XXXX account had fraudulent charges on it from starting on XX/XX/2020 for {$69.00} then one for {$50.00} on the XXXX, then one on the XXXX for {$85.00} then their was 3 on the XXXX for {$69.00}, {$85.00}, {$85.00}, then 3 more on the XXXX for, {$58.00}, {$85.00}, {$100.00}, and then 2 more on the XXXX for {$85.00}, {$100.00}, and then 4 more on the XXXX for {$58.00}, {$85.00}, {$85.00}, {$100.00} then the last one was done on the XXXX for {$50.00}. So their was 16 unauthorized charges taken from my account. I contacted XXXX right away and they helped me get a new card and password reset and then they submitted the form for those fraudulent charges. The lady on the phone said that i would be receiving the money back within 10 days. I hadnt heard from them or seen any changes to my account so I called them again and they said it would be resolved and it should be on my account on XX/XX/XXXX. However, I ended up getting a letter from BNY Mellon saying that they have investigated the charges and they determined that those charges were valid. Which is wrong! I had these charges also taken out of two of my other accounts with different credit unions and they said they were fraudulent and they gave me my money back. So i have tried to get a hold on BNY Mellon several times even leaving messages and havent heard back from them and i think this is wrong and vert unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX has reported me as deceased, I am not DEAD Fix my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/XXXX, I received an email from Paypal letting me know I was being mailed a debit card to provide instant access to my Paypal account. As I almost never use Paypal, I assumed this was a scam and quickly dismissed the email. Two days ago, on XX/XX/XXXX, I received a follow up email letting me know that they had just mailed me a card. Angry, and confused, I researched online and found that others, dating back to 2019 have complained about this same issue. Not once did I give any sort of confirmation, or even hint, that this was something I was interested in. I am disgusted, and scared, that a company can open a debit card line in my name, opening myself up to fraud and potential hacking. I reached out first by phone, but their complaint department is closed due to Covid, so followed up online where all I was directed to was a mailing address for their legal headquarters in XXXX XXXX. I am writing this message in hopes others aren't targeted by this and potentially change how ever it is that they are allowed to do this, which I feel should be illegal.

Company response to consumer: Closed with non-monetary relief