BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-16
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: Information belongs to someone else

Complaint:
This creditor XXXX XXXX XXXX is reporting a fraudulent account, I did not do business with them and the data they are reporting is outdated and inaccurate. I sent out letters disputing their claims, but I did not receive any response from the 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 non-monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hello, When I signed up for XXXX XXXX XXXX  through XXXX, it was a Citizens One credit line. There was a duplicate order and I was shipped two XXXX as part of the process. I returned the second unit in XXXX, but I have been debited each month for both orders. I tried to work this out with Citizens One over the phone in the late spring, but they continue to double charge me. 

My original order ended up duplicated by XXXX. 

I had two orders : XXXX XXXX Both were placed on or around XXXX XXXX. 

The second order was returned to XXXX and received by them at the end of the first week of XXXX. 

For each order, I have been charged at {$37.00} each month since then. 

I called in XXXX to have this handled, and was told Citizens would contact me but have not. Since then I have not been able to reach their people. I will frequently get put on hold and then have to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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: Old information reappears or never goes away

Complaint:
Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.After reviewing my consumerit has come to my attention that your office ( Transunion, XXXX and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove the XXXX State of california XXXX XXXX XXXX XXXX, TAX LIEN Amount : {$3600.00} Filing Number : XXXX and Amount : {$3600.00} Filing Number : XXXX In addition, your office is in violations of the following violations : 15 u.s code 1692g ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 u.s code 1681s-2 ( A ) ( B ) ( i ) ( ii ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors

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 2022-03-14
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've contacted this company and informed them I have no business with them. I also hired a credit repair service to assist me with this company. They were sent a debt validation letter and refused to comply with FDAC rules and regulations. All the information requested they refused to send, instead they sent some computer generated copies that may or may not be true. I've just received another letter in the mail asking me to at least pay half. This company tries to collect debts not owed to them. They are a debt collections company that buys debts that may or may not be owed and definitely not owed to them. I have no business with them and never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: NY
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:
I filed a complaint against Experian about five months ago because my FICO score appeared to be incorrect. They adjusted it but it seems like I'm having the same problem again and no one is available to discuss it. For the past three months my score has remained at XXXX due to usage of available credit between 2-3 %. My balance was between {$650.00} and {$350.00}. During that three month period my score dropped with XXXX from XXXX to XXXX. When I paid my bill down to {$81.00} XXXX raised my score to XXXX. Experian dropped it from XXXX to XXXX. No one available to tell me why. I feel like it's retaliation for previous complaints filed with CFPB as well as not joining there paid service to increase my score. 
This is unacceptable. I work hard to increase my FICO score and they can drop it any time they please without explanation?. I expect a change in my score if I use available credit but not if I pay it down. 
My score was XXXX, they dropped it to XXXX something. After my complaint to CFPB it was adjusted to XXXX, then XXXX. At this rate I will never reach XXXX which is my goal. THEY ARE DOING THEIR BEST TO PREVENT THAT FROM HAPPENING. PLEASE HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
State: IN
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:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
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: Their investigation did not fix an error on your report

Complaint:
I had a joint mortgage account with my ex-husband with XXXX, and noticed that my most recent Equifax credit report contains a late payment reported on XX/XX/2012. I submitted a letter to XXXX documenting that circumstances revolving this late payment ( s ) were unavoidable on my end. I separated from my ex-husband and joint account holder, and vacated the home on XX/XX/2012. I have provided XXXX with a copy of my divorce decree showing this. I moved to an entirely different state in XX/XX/2012, and was in a different residence when the late payment ( s ) may have occurred. I have also provided them with a copy of my bank statement for XX/XX/2012 showing that at that time my address was XXXX XXXX XXXX, XXXX GA, XXXX. 

Apparently, my ex husband was working with XXXX somewhere around that time ( XX/XX/2012 ) to complete a mortgage modification, which XXXX required that the he be late on the mortgage before they would provide assistance. I was unable to make payments on the mortgage at a home I vacated, while also making rent payments for my new residence. 

The letter I sent to XXXX was sent from my current address, but XXXX will only send a response to my ex-husband 's address. XXXX has refused to speak with me by phone to rectify this issue and continues to state that I must dispute by mail, although they refuse to reply directly to me by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
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:
XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX I have expressed to EXPERIAN, XXXX XXXX. XXXX that they were not REPORTING my XXXX XXXX XXXX XXXX  Date open XX/XX/XXXX Credit History 7 years 11 Months ALL 3 REMOVE this information XX/XX/XXXX. 

This has possessed a INTENTIONAL NEGATIVE AFFECT on my PERSONAL and BUSINESS! 

Each bureau, Experian, XXXX, XXXX have COST my Business at LEAST {$10000.00}. Dollars of BUSINESS CREDIT! 

I reach out to them on 6 occasions. NO RESULTS!!

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 2022-03-14
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
From XXXX I was employed at XXXX XXXX XXXX XXXX XXXX As part of my compensation, I was given and funded a XXXX XXXX savings account with Branch Banking and Trust of NC. That account had {$3900.00} on XX/XX/21. 

BB & T merged with Suntrust, which in turn merged with Truist ( XXXX ). Now, Truist denies that I was ever in their system. 

Can you help me recover the money I invested?

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 2018-03-11
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:
XXXX, XXXX, and TransUnion refuse to remove hard inquires that should have been remove from my credit report. Here is a list of hard inquires that are expired : Inquiry date. Removal Date 1. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY

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 2022-03-14
Company: Resurgent Capital Services L.P.
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:
My original complaint # with CFPD is XXXX. I received the consumer response and it is not of satisfaction. Resurgent Capital Services ( hereon out referred to as RCS ) and XXXX XXXX has no business contract. My debt was with XXXX XXXX ( hereon out referred to as XXXX ). XXXX sold my acct to RCS. RCS response to my initial complaint with CFPB is that the terms and agreements I signed with XXXX states " we may sell, assign, or transfer your acct or any portion thereof without notice to you. '' These terms were established XX/XX/XXXX which would not apply to my acct because my acct was opened prior to the terms revision in XX/XX/XXXX. I did not sign a XXXX agreement under those term used by RCS to validate financial obligation. I believe this debt should be taken off of my name based on the fact it was sold illegally to RCS. 
I am also covered under the XXXX XXXX XXXX and feel RCS is attempting to take advantage of me. 
I request this case be review again and a better resolve is reached. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Circle Internet Financial
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I attempted to withdraw XXXX STR ( Stellar Lumens ) tokens onXX/XX/XXXX at XXXX - the transfer did not complete and resulted in an error ( as shown in the Withdrawals section of my account ), however the amount of XXXX STR has been deducted from my account balance. 

I logged a ticket in the support section of the XXXX website ( # XXXX ) on XX/XX/XXXX ( 67+ days ago ) and a reminder 4 days ago. I also sent @ XXXX tweets requesting resolution and refund of the missing tokens on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, however no response has been received. 

I request the CFPB to take appropriate steps to ensure XXXX XXXX is held accountable for such lapses and exemplary fines are levied to ensure such actions are not repeated.

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 2023-03-02
Company: EQUIFAX, INC.
State: FL
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: MNS & Associates LLC
State: TN
Product: Debt collection
Sub-product: Credit card 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:
XXXX XXXX XXXX was placed in charge off status I reached out to either settle the debt or make payment arrangements there csr rep put me through to a collections specialist. The specialist informed me that my account had been sold and that she could not help me I needed to call back in a few weeks and that a letter would be sent with the information for the new company. I waited for weeks and called back no luck nor did not receive a letter. I started receiving calls from this company MNS saying I have a legal action against me and that a judge has will motion a civil suit and arrest against me. On XX/XX/XXXX I make a phone call out to this number 877 number a gentleman tells me that I am going to taking to jail and have a civil action placed against me if I do not pay this {$700.00} dollar balance. I did cut him off and informed him that I have made attempts to pay the balance and no notice was sent to me and every time I call I get nothing. I said if you send me a balance due invoice, I will look at it call back and work on paying. He informed me that he was not sending me anything. I will either pay or be sued or arrested. It got into a heated argument at the point where I told the gentleman do not contact me again and hung up. They have even called my mother on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 10 times in a row leaving voicemails on her line my mom answered once and asked them to stop calling her. I get this local XXXX XXXX XXXX number calling me they will leave a voicemail with people just talking in the background. on XX/XX/XXXX my work line received and missed phone call and voicemail with the same thing. My co-manager called the number back he proceeds to ask for me but butchers the name and my co-manager says he has the wrong number this is a clubhouse line. He tells my manager to stop lying he knows it is me she said I have no idea what you are talking about this a work line. I am being constantly harrassed my co-workers are being talked to in an ill manner and my mother is being harrassed. I need this to stop before I lose my job.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Netspend Corporation
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This company has provided me nothing but terrible customer service. I mailed some documentation as requested by the company to its legal department- I was told that that I would hear something in 3-5 days after the company received the documentation. It is going on a month and I still have not heard anything. This is the only company that I have had any issues with when presenting the company with legal court documentation. My brother, XXXX XXXX is mentally incapacity - the courts have appointed me his legal guardian to handle all of his affairs. The SSA has advised my brother received an overpayment and requesting that the funds be returned or charges will be sent down for fraud. It really does not matter what the reason is why I need access to this funds as the order states I am over his medical, mental and his income - any assets that he may have in his possession. This company refused to even provide me with a follow-up to my request. My brother is currently institutionalized and does not have access to complete this transaction. He will also not be able to access this for some time now so I am doing this for him and for his behalf. I have called multiple times and the reps just hang up the phone in my face. I will be suing this company for not honoring the court documentation if these funds are not returned to me. The balance was {$1500.00} just a month ago and now it is {$1500.00} - so now this company is just taking advantage and taking funds off of his account instead of returning the funds to me! I have sent my address, email and phone number for the bank to contact me but NO ONE has even bothered to reach out to assist or provide any update. The reference number for this # 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