BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-29
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company sent me a letter that does not belong to me, the only thing that appears to match any of my information is a first name, the last name is incorrect I believe they are mixing my file with someone else 's because there is also an incorrect drivers license number. They claim that there's a warrant for my arrest yet I've just updated my drivers license and nothing was ever mentioned about warrants also this is a collection from over 20 years ago and this is the first time I've ever heard of this and they are sending notices to my address, the date of offense on the letter is XX/XX/1994. I was in highschool at that time and have never wrote a check while in highschool so the entire letter to me seems odd and suspicious. I've checked with the courts whom they say theres a warrant with and there is no warrant for me because they have invalid information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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: Account information incorrect

Complaint:
I got sick with XXXX  and was out of work and missed one payment I called the creditor who agreed to take the 30 day late payment off of my credit report but it is still there which is harming my credit and making it so I am unable to get a loan to catch up on my bills from being out of work.if this is not corrected I will be homeless!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!

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 2021-01-25
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to dispute the following information in my file : <Item 1 : I C System, XXXX XXXX, Collection opened date : XX/XX/2020, Balance of {$610.00} incorrect. I filed to have this item disputed and it hasn't went away yet. 

The item I have identified is <inaccurate/incomplete> because<reason for the issue including any supporting facts/evidence>. 
I am requesting that this item be <deleted / adjusted/ removed from my credit history> in order to adequately reflect my true credit history on the attached report. I am asking you to reexamine this item and <remove it from / correct it on> my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window.

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 2023-03-13
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I use Huntington Bank for my debit card and on XX/XX/XXXX between the times XXXX and XXXXXXXX XXXX I deposited XXXX {$1.00} bills into the ATM located at XXXX XXXX XXXX XXXX, Indiana XXXX. After the ATM took my bills it showed a screen that said something similar to could not complete transaction. Please contact your bank. After that it gave me back my card but the {$26.00} did not get deposited into my checking account. 
I called Huntington customer service immediately after on XX/XX/XXXX and they submitted a claim with the number XXXX XXXX XXXX XXXX. I called XX/XX/XXXX to check on it and they said it was cancelled due to not enough info. They submitted another claim with the number XXXX XXXX XXXX XXXX that same day. I called on XX/XX/XXXX to check on that and they said it was cancelled due to not enough info. 
Still do not have my {$26.00} that the ATM took.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I believe someone used my personal info to get credit cards. I noticed there was accounts on my credit which I do not recognize such as XXXX, XXXX, XXXX XXXX, and XXXX  XXXX XXXX and XXXX XXXX. I think I am a victim of identity theft and these accounts are fraud. Help remove with 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 2020-07-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXX/XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2019-08-05
Company: Alliant Capital Management LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I was contacted from this company Alliant IG Because I had a debt of road for a apartment complex Lived in. XX/XX/XXXX I payed them XXXX because they said if I did t pay by the XXXX They would send my debt to my credit score. I told him that is the best I could do at this time and they would have to wait until I can do more down the road since then they have continued to contact my place of employment and would just hang up but when you call the phone number back it goes right back to them we asked him to stop contacting us but they continue to contact us. They are contacting me and my fianc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Grain Technology, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Applied for a line of credit with this company. Was approved pending payment of a {$250.00} deposit. The account sat open but the actual line of credit was never released so that I would have access to it. I decided it wasn't worth the effort so I closed the account and requested that my deposit be returned. For over a month, I heard nothing from this company. So I filed a complaint with the XXXX. Once they received that complaint, I got an email stating that the system no longer had my back account information and they needed that information in order to return my deposit. Additionally, they stated that they were short staffed and that is why it has been taking quite some time to respond. I responded to that email with the requested information and to-date, I have not heard back from this company and that was over a month ago. I've sent several emails asking for a refund and I do not hear back from them. I would like to have my {$250.00} refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed 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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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

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 2023-03-08
Company: CITIBANK, N.A.
State: FL
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:
Office of the President XXXX XXXX XXXX XXXX XXXX SD XXXX XX/XX/XXXX To whom it may concern It is a painful shame Citibank Institution unprofessionalism . 


CitiBank, failed to their Duties and obligation as issuers of account XXXX. 
Evading their responsibilities, neglecting same. 

Failing within the 90 days period to provide me with report referring to account XXXX. Account Unverifiable. 

CitiBank continued repeating same information parroting without any proof in writing Which did not provided within the 90 days. 

I deny account, account number XXXX, not mines. 

CitiBank as issuers of account are solemnly responsible for account and to provide poof The fact is that CitiBank never provide me with any proof within 90 days period on XXXX because Bank institution Never had, neglecting account, not mines Very unprofessional for a Bank institution Also CitiBank claims to have transfer account to debt collector, third party that has nothing to do with me, account not mines. 

This is hurting my reputation and constitutes Defamation to my person. 

Im requesting a deletion letter for account number XXXX. 
Within 7 business days by XXXX XXXX. 

I will be force to file a Police report to CitiBank referring to account XXXX. 


Thank you 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: CITIBANK, N.A.
State: FL
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 balance transfer

Complaint:
A balance transfer check was issued from XXXX XXXX XXXX for my Home Depot Account in the amount of {$640.00}. The check was cashed on XX/XX/ according to XXXX ( see attached ). 
I have not received credit to my Home Depot account and several attempts were made to verify that the check was received and was not credited to my account. 
I have been paying interest on my home Depot account, as well as the balance tranfer from XXXX. 
I contacted Citibank and there are stating that there was no signature on the check and could not honor it. 
I hope for a quick resolution of the matter as it has been ongoing for more than a year. 
I find it egregious that a simple matter has resulted in lost of time and money and no apparent

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was 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

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 2021-05-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding the inaccurate and unknown things on my credit report. To this day I have not received response. I feel like im being taken advantaage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 120 days!! I demand these accounts be deleted immediately/promptly. That or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
An XXXX XXXX XXXX  account was opened in my name, and is in Collections from XXXX XXXX XXXX for non payment

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to report fraudulent charges on my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am a victim of identity theft and did not authorize nor make these charges. I am requesting these fraudulent accounts be removed from my report, and that I receive and accurate statement. Please correct this matter and remove these fraudulent charges 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 non-monetary relief
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: NY
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:
In accordance with The Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 1681 section 604 a Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX was given permission to run my credit ( in-house ) for the purpose of providing an auto loan ( XX/XX/19 ). 
XXXX  ran my credit again ( and without my knowledge or permission ) nearly 14 days ( XX/XX/19 ) after the terms of the loan were established.

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 2020-10-23
Company: Square Inc
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I noticed 6 unauthorized transactions from XXXX I didn't do. I first contacted cash support in XXXX, never received a response. I contacted cash support again in XXXX. Finally received a response so I sent the necessary info but never received an response after that. I contacted once more in XXXX. Sent the necessary info again an was told that 2 of the transactions could be disputed because it was over 60 days but if you follow the timeline I been trying to get help well within that 60 days time limit. The only reason it went over 60 days is because either cash app support never responds or they take weeks to respond. The Cash App manager told me to contact XXXX about the charges which i did but 5 of the charges orders have been delivered so the only route to getting my money back is through an dispute which my card company  refuses to do. XXXX was nice enough to refund me for one of the transactions since the order was never delivered but the other 5 cant  since they were delivered. The cash app manager has been giving multiple responses/switching their reasoning on not helping on why he/she cant help me and now im 100 % sure she/he will say the 4 transactions in XXXX cant be disputed now because it been over 60 days. She/he doesnt understand the difference between authorized and unauthorized orders. Since I have legit orders with XXXX she/he feels like the unauthorized orders cant be disputed which makes zero sense. I was also told I was already refunded for the transactions in question but if you look at the bank statements it proves that not to be true. I was also double charge for the same unauthorized transaction twice. One of XX/XX/2020 and also again on XX/XX/2020 with the card I already reported stolen months prior. He/she doesnt even want to help with XX/XX/2020 transaction. I feel like Im being played with and not being took seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: ENOVA INTERNATIONAL, INC.
State: OR
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:
Netcredit a loan provider made a determination on a loan by a third party which I believe violates my rights as a consumer.

Company response to consumer: Closed with explanation