BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
according to the Fair credit reporting act any non-public information shouldn't be furnish to any credit reporting agency without my written conscent. Pursant to 15 u.s. code 1681b permissble purpose of consumer reports. 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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$3200.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX Balance : {$830.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$2100.00}

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 2018-05-03
Company: GVA Holdings, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I BELIEVE THE LOAN WAS XXXX BUT IM UNABLE TO VERIFY ONLINE WITH THEM WHISCH IS SUSPECT TO ME.THEY HAVE BEEN DRAFTED FROM MY CHECKING ACCOUNT XXXX EVERY TWO WEEKS SINCE XX/XX/2017. MY LOAN IS BEYOND PAID OFF AND EVERY TIME I TRY TO LOG INTO THE ACCT ONLINE THE WEBSITE DOESNT WORK AS WELL. IM PAYING BEYONG OVER THE AMOUNT THAT WAS LOANED OUT TO ME AN IS OUTRAGES IM STRUGGLING TO MAKE ENDS MEET DUE TO THIS ISSUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi accelerated account around mid-XXXX. I used the promotional link that states : 'Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. Both checking & savings accounts need a non XXXX  balance. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days ' Deposited XXXX on XX/XX/XXXX, maintained the balance for more than 5 months, and did not see the reward bonus coming. Contacted Citi customer service for at least three times, asked me to wait as it takes the bonus {$400.00} up to three months after 60 days to be credited into my account. Now three months passed and it is not in my account yet.

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 monetary relief
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My complaint is about my personal information. I have contacted the credit bureaus several times about updating my personal information. Putting the correct address as Current and removing all other addresses that doesn't contain to me. 

They are not my addresses and I do not want to mix and merge my files or want the wrong information being sent to those addresses they have on file which I do not want no one to have any of my information because of all the scam and Fruad stuff that's going on. 

Please update my correct address on file and remove all others which they are not mine and never lived at those addresses. 

I also contacted the company by phone XX/XX/2022 as well as writing a letter like they told me and still haven't fixed the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$480.00}

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 2023-01-18
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
I am writing this complaint for Regulation E complance by American Express. On XX/XX/2022 I had 3 fraudulent transactions that posted to my American Express Gold Card that was lost from my possession in the XXXX XXXX. I called on XX/XX/XXXX and informed American Express of the issue and was told they would investigate the charges. Per Regulation E I was supposed to receive provisional credit within 10 days for the transactions that I did not authorize while they investigate the fraudulent transactions. I have only received provisional credit for 1 of the 3 transactions and that credit was posted on XX/XX/XXXX. After discovering that I did not receive credit for those 2 other transactions I called back on XX/XX/XXXX and was told that they were indeed apart of the initial report and that the report was still open and being worked on. After not receiving a letter to confirm the transactions or hearing anything back I called once more on XX/XX/XXXX and was told that the investigation team only received confirmation from the merchant, where the 3 transactions originated and that I have no relationship with, that they only heard back about the 1 charge being unauthorized but they did not get a confirmation about the other 2. Nonetheless, I was informed that I would receive a provisional credit on XX/XX/XXXX. As of today XX/XX/XXXX, I have not received a credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation. I have no knowledge of the fraudulent accounts that appeared on my credit report. My FTC ID Theft Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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:
I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
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:
In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: DC
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:
Equifax allowed the private and personal information of 143 million Americans, myself included, to be compromised and used for illegal purposes. Equifax has not offered acceptable response or solutions to this immense national problem that they have caused. The FTC has not help protect the affected consumers. The FTC has not mandated action by Equifax ; has not punished Equifax, and has not required Equifax to pay restitution to the 143 million Americans. The FTC is broken and does not protect Americans from this sort of corruption. 

If the FTC will not protect us from unscrupulous corrupt companies, like Equifax, who will?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-29
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 i filed with my Bank BBVA a dispute on few items, total amount {$180.00}. Since then i called several times ( even though was Very difficult ), but their response was Misleading & Confusing. It seems to me that they don't want to investigate properly my disputes. Plus when i opened this checking account on XX/XX/2020 it was attached a promotion bonus of {$200.00} if a direct deposit of {$500.00} or more was done by XX/XX/2020, which i did but i never received the {$200.00} bonus. Plus their customer service/website is Very poor. It seems that they don't care about ordinary consumer 's accounts & customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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 filed complaints and tried to resolve this with each credit bureau ( XXXX, XXXX, and Transunion ). After their investigation which went beyond the required 30 days and they have yet to remove the late payment reporting. 

Dispute : I did an investigation on my credit report which has caused severe XXXX in me and found inaccurate and questionable items that the agencies did not make sure were reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S. Code 1681 e ( b ) and 15 U>S> Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. In addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me the consumer and Lending Club and should be excluded from my credit report.

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2020-07-28
Company: Santander Consumer USA Holdings Inc.
State: MO
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:
Auto has been repossessed since XXXX, in XXXX of XXXX there was a XXXX amount added to my outstanding balance, in addition to this while I had the vehicle and made payments over the phone they charged a fee XXXX that I was always told would be credited to my account. I was told in XXXX by my salesman that my credit score was below 500 and at the time of purchase did not have a valid driver 's license, I paid gave my salesman XXXX down and had to give him an additional XXXX some of which he said was a loan origination fee. There has been a class action lawsuit against Santander that includes 34 states but not Missouri. This account has continued to do damage to my ability to do anything!!!! THIS ACCOUNT IS BEING REPORTED AS A NEW LATE PAYMENT every month DURING A NATIONAL PANDEMIC ... AND VIOLATING THE " C.A.R.E.S ACT ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2019 I received a call from my employer of the HR department. During this call they informed me that they had received a notice to garnish my wages for a past debt. Along with the notice I was emailed a copy of the garnishment order. Within the request it stated I was informed of the possible garnishment and that they were sending a federal order to garnish. What I have a complaint on is the garnishment is not a result of a default judgement nor is it legal. The company responsible for this practice is Transworld Systems INC. After reading I gave them a call expecting to speak with a government official but was informed they are not the government. I then asked how to obtain a federal income tax garnishment. I was then told they could not help me nor could they protect me from a tax garnishment. From there I contacted XXXX to get some feedback. Upon contact I was told my account went to collections and to contact Transworld Systems INC. Here is where Im in complete awe. How does a debt collector send a federal order to garnish wages if it does not meet the criteria. Please help shed some light so my concerns may have some answers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Santander Consumer USA 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 contacted these debt collectors and let them know that I recently obtained my consumer credit file and discovered their agency was reporting alleged debts due and owing. Accordingly my records reflect that they were not, neither have they ever been a known creditor of mine. Therefore I respectfully demanded verification and or validation of any alleged debt pursuant to 15 USC1692g, and 15 USC1681, respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX 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 non-monetary relief
Consumer complaint received 2023-05-12
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: Reporting company used your report improperly

Complaint:
TRANS UNION XXXX LLC and its criminal executives such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX such as 18 U.S. Code 241, 18 U.S. Code 242, copyright and trademark infringement ( 18 U.S. Code 2319 & 15 U.S. Code 1114 ) for using XXXX XXXX XXXX XXXX without written consent, and many more. Fraudulently reporting without written consent ( 15 U.S. Code 1681b ( a ) ( 2 ) ) and also a Fake Credit Bureau ( 15 USC 1692a ( 1 ) ).

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